Introduction of Qingdao Bank's Business

I. Business introduction:

Personal online banking of Bank of Qingdao refers to the online banking channel that provides financial services such as account inquiry, transfer and remittance, payment, investment and wealth management for individual customers through the Internet. Personal online banking of Qingdao Bank is divided into wealth edition and life edition. Life edition can quickly query my account balance, account transaction details, and handle living payment. In addition to all the businesses of Life Edition, Fortune Edition can also handle various businesses such as transfer and remittance, personal loan, investment and wealth management.

Second, the service function

1. Online banking calendar. Set various reminder information, such as repayment reminder and event reminder. Not only can you effectively avoid the loss of funds and credit caused by overdue repayment, but you can also be a good helper in your life.

2. Application center. You can realize the function links of all online banking, and you can also set your own personalized applications and set reminders on reminder days.

3. My account. You can query personal account information, such as personal assets and liabilities, account transaction details, etc. , and can manage personal accounts.

4. Transfer and remittance. Transfer and remit money to this bank account and other bank accounts all over the country.

5. payment. Through this function, you can make online payment, open online payment function and use it to realize online shopping.

6. Investment and financial management. It can realize operations such as time deposits, funds, wealth management products, and online government bonds, such as changing demand deposits into time deposits and purchasing wealth management products issued by Qingdao Bank.

7. Personal loans. You can check the loan information and make a trial loan. If you have opened the online loan repayment business, we will provide you with the functions of "self-borrowing", "self-repayment" and line inquiry for revolving loans.

8. Credit card. Credit cards provide basic and commonly used credit card business functions.

9. Personal settings. Provide you with personalized settings, log query, security settings, password modification, life version transfer settings and other service functions. Mobile banking is a service that Qingdao Bank provides customers with online financial services through mobile terminals such as mobile phones. Not only can account inquiry, transfer and remittance, agency payment, bank-securities transfer, investment and wealth management be realized, but also services closely related to life, such as purchasing air tickets, movie tickets, lottery tickets, inquiring about traffic violations, and inquiring about preferential merchants, can be realized.

service function

1. Account management: inquire about the assets, liabilities and transaction details of the bank's accounts, handle emergency loss reporting, and inquire about the contracted accounts of other banks.

2. Time deposit: realize the mutual conversion between my current deposit and time deposit, call deposit and automatic call deposit.

3. Transfer and remittance: handle intra-bank, inter-bank, intra-city and off-site transfer and remittance, and deduct money from the contracted accounts of other banks.

4. Investment and financial management: realize the mutual transfer of funds between bank accounts and securities accounts.

5. Payment: payment of electricity, water and electricity, heating, cable TV, Unicom communication, telecom communication, etc.

6. Donate dust: Donate love to the Red Cross.

7. Calendar reminder: realize the reminder of financial and non-financial matters such as transfer, payment, financial maturity and birthday, and provide fast trading channels.

8. My application: By establishing a general transaction template, you can quickly handle transfer and payment transactions.

9. Traffic violation: inquire about vehicle violation information and pay a fine.

10. air ticket reservation: inquire about booking domestic and international flights, and handle check-in by yourself.

1 1. Mobile phone recharge: handle the recharge of mobile phone charges of China Unicom and China Telecom.

12. Lottery: Buy lottery tickets with different playing methods such as Fucai and two-color ball.

13. movie tickets: you can easily buy electronic movie tickets for major theaters across the country and choose your own seats.

14. Game cards: Buy mainstream game cards and recharge your account.

15. Offers: inquire about recent offers.

16. product news: inquire about the latest new product information.

17. preferential merchants: inquire about preferential merchants and discount information such as food, leisure and entertainment, car washing and fitness.

18. outlet query: query the map information of bank outlets, self-service banks, self-service equipment and preferential merchants.

19. Bank announcement: inquire about recent announcement information.

20. Contact us: You can inquire about and directly call the customer service hotline "Hairong Fortune" series of RMB personal finance plans, which are managed and operated by Qingdao Bank and mainly invest in high-quality financial assets with low risk and stable income. This series of products is rich in variety and high in yield, which is an effective tool for investors' asset allocation. Up to now, all expired products of "Hairong Fortune" series have achieved the expected rate of return.

product classification

An Ying series

Product level: Cautious product (★)

Sales starting point: RMB 50,000 yuan and above

Asset investment: including but not limited to national debt, financial bonds, central bank bills, bank deposits, etc.

Product features: high safety and fixed income.

"Steady win" series

Product level: Cautious product (★)

Sales starting point: RMB 50,000 yuan and above

Asset investment: including but not limited to treasury bonds, financial bonds, central bank bills, interbank deposits, loan trade, bond reverse repurchase, bank deposits, etc.

Product features: high safety and stable income.

"Chuangying" series

Product level: stable product (★★★★) and above.

Sales starting point: RMB 50,000 yuan and above

Asset investment: including but not limited to national debt, financial bonds, central bank bills, interbank deposits, loan trade, bond reverse repurchase, bank deposits and trust plans.

Product features: high safety and high yield.

Exclusive series

Product level: stable product (★★★★) and above.

Sales starting point: 654.38 yuan+00,000 yuan and above.

Asset investment: including but not limited to national debt, financial bonds, central bank bills, interbank deposits, loan trade, bond reverse repurchase, bank deposits and trust plans.

Product features: exclusive products of wealth and private banking customers, with high yield.

Qian Chao series

Product level: stable product (★★★★) and above.

Sales starting point: 654.38+10,000 yuan and above.

Asset investment: including but not limited to national debt, financial bonds, central bank bills, interbank deposits, loan trade, bond reverse repurchase, bank deposits and trust plans.

Product features: Mid-to-high-end customers make directional reservation sales, and the yield is super high.

"Pay every day" financial management

1. Product introduction

"Pay every day" RMB personal financial plan is an open RMB financial product invested and operated by Qingdao Bank and issued to individual customers.

2. Product positioning and rating

Investment direction: money market instruments (0-80%), fixed income assets such as bonds (10- 100%), non-standard assets such as asset management plans (0-35%) and others (0-20%).

Product type: non-guaranteed floating income, and the internal product rating of Qingdao Bank is stable ★★★ At present, Qingdao bank cards are divided into debit cards and business cards. The main brand of Qingdao Bank debit card is Hairong, which is divided into six levels according to different assets: ordinary card, gold card, platinum card, diamond card, wealth card and private bank card. In addition, Junca also includes many theme cards such as Dust Card.

"Hai Junca" is a debit card issued by Qingdao Bank with "Flower of Finance" as its design carrier.

"Hairong Theme Card" is jointly issued by Qingdao Bank and its partner * * * *. On the basis of integrating traditional financial functions, unique theme activities or services, including dust cards, have been added.

Business card is a UnionPay standard credit card issued for daily business expenses and financial reimbursement of budget units, taking into account personal consumption. Personal consumption loans of Qingdao Bank include quick loans, mortgage loans, car loans, credit loans and agricultural loans. For details, please consult the personal credit department of each branch.

1, fast and easy to borrow

"government procurement loan" loan

The loan business of "government procurement loan" refers to the personal loan business issued by Qingdao Bank to the legal representative or major shareholder of the winning enterprise in the government procurement project for the goods (technologies) it purchases.

"housing loan" loan

"Anju Loan" is an unsecured and unsecured pure credit loan for customers with real estate, based on residential quarters. Refers to the loans granted by Qingdao Bank to qualified natural persons to meet the legal and compliance purposes of borrowers and their family businesses, such as car purchase, decoration, tourism, education, and purchase of large durable consumer goods.

"partner loan" loan

The "partner loan" loan business refers to the personal credit loan business issued by the lending institution to its operators according to the operating conditions, assets and credit status of the surrounding merchants.

"Credit enhancement" loan

"Credit enhancement" refers to personal loan customers with a certain asset scale, good credit standing and sufficient cash flow. After the loan risk assessment, on the basis of the real estate mortgage credit of Qingdao Bank, a certain credit line is increased to enhance the customer's stickiness and contribution.

2. Simple housing loans

"individual housing mortgage loan" housing mortgage loan

"Personal property mortgage loan" refers to the loan that the purchaser applies to the bank to pay the remaining purchase price after paying the down payment to the real estate developer with the purchased property as collateral.

Personal housing mortgage loans include personal housing mortgage loans and personal commercial housing mortgage loans, of which personal housing mortgage loans can apply for housing provident fund portfolio loans.

"Personal second-hand housing loan"

"Personal second-hand housing loan" refers to a loan that an individual buys a house or a commercial house with the seller's real estate license, and after paying a certain proportion of the down payment when trading in the market, he applies to the bank to pay the remaining purchase price.

Personal second-hand housing loans include personal second-hand housing loans and personal second-hand commercial housing loans. On the basis of traditional international business varieties, the Trade Finance Division successfully launched the professional brand Tradelink, including six product sectors: domestic letter of credit, domestic and foreign factoring, RMB cross-border financing, structured order financing, process movable property financing and letter of guarantee, thus creating a first-class domestic supply chain financing platform.

It is the first city commercial bank in China to implement the business division system operation mode. It has a professional product marketing team and a risk assessment team, which truly realizes the unified management of market and risk, greatly simplifies the internal process and improves the efficiency of decision-making and approval. Professional team can tailor-made domestic and foreign trade linkage trade financial products for customers and provide fast personalized service, which is your first choice for domestic and foreign trade financial business.

The main business includes domestic letters of credit, domestic and foreign factoring, RMB cross-border financing, structured order financing, process chattel financing, letter of guarantee, agency services, etc.

Since its establishment, Qingdao Bank has been in the same boat with the local economy, sharing weal and woe, trusting and benefiting local residents, and working together with small and medium-sized enterprises to achieve win-win results. In serving small and medium-sized enterprises, Qingdao Bank always adheres to the service tenet of "serving small and medium-sized enterprises based on local economy" and the service concept of "being efficient, flexible, innovative and professional".

Mechanism innovation to meet the credit demand of small enterprises.

In 2009, Bank of Qingdao established the head office-level small business franchise organization-Small Business Department, which is directly responsible for the operation and management of small business loans throughout the bank, realizing the centralized, simple and efficient operation of small business loans and meeting the current requirements of small business financial services.

Product innovation, aiming at the different characteristics of small enterprises.

Jointly launched the "Youth Easy Loan" business with Qingdao Youth League Committee, with a total loan of 400 million yuan, directly supporting more than 500 entrepreneurial enterprises. Qingyi loan business was approved by Qin Min, vice mayor of the municipal government, and the Working Committee of the Central Committee of the Communist Youth League made a special trip to our bank to investigate Qingyi loan business.

Cooperate with Qingdao Science and Technology Bureau to launch the "Easy Branch Loan" business specifically for science and technology innovative enterprises, innovate the guarantee method and introduce the risk reserve mechanism to ensure that high-quality innovative science and technology enterprises receive financial support.

Joint loan business, break through the guarantee restrictions, and realize joint loans and joint liabilities between small business customers. According to the characteristics of different small enterprises, a series of products, such as equipment loans, operating loans and secured loans, have been tailored to meet the financial needs of various small enterprise customers.

Process innovation embodies the timeliness characteristics of small enterprises.

Simplify the credit granting process, implement rapid investigation by account managers, positive review by risk managers and batch processing by approving supervisors, realize the streamlined and wholesale operation of small business loans, and create a "credit factory" model. Innovatively put forward the credit review system of "two forms, two votes and two orders", which simplifies data collection, highlights the understanding of the actual situation of small enterprises and pays attention to the effectiveness of the investigation.

Small business financing service products

The financing service products for small enterprises mainly include easy loans, easy loans, easy quality loans, easy loans, easy trade loans, easy ticket loans and special loans. For details, please consult the corporate finance department of each branch.