Service Characteristics
The Jiu Tong Show Card is a personalized and customized bank card issued by the bank for the society and for the young and middle-aged customer groups. Customers design their own personalized card face to meet their individual needs to the greatest extent possible. Its personalized features are manifested in the following aspects:
Colorful card face, customized
Whether it's a warm photo of your loved ones or a flamboyant picture of your personality, your show card is designed by you.
Red and black two card surface, easier to match
Red and black, eternal popularity; cold and ambiguous, different colors, to provide you with the greatest creative space.
Same card number card replacement, considerate
If you already have the Bank's Jiu Tong card, you can apply for the same card number card replacement service, to replace the old card with the most fashionable and personalized Jiu Tong Show Card.
10 million card numbers for you to choose
If you want to apply for a Jiu Tong Show Card, you can also personally choose your favorite card number among the 10 million card numbers. A special number for a special you.
Functions of One Card, Multiple Accounts
The Jiu Tong Xiu Card is a comprehensive personal account that combines local and foreign currencies, fixed deposits and demand deposits in one card. At present, the currencies that can be deposited under the Jiu Tong Xiu Card include: RMB, USD, JPY, HKD and EUR; the types of deposits that can be deposited under the Jiu Tong Xiu Card include: demand, whole deposit, zero deposit, fixed deposit and cash deposit, notice deposit, etc.; and 999 sub-accounts can be opened under one Jiu Tong Xiu Card at the same time.
Functions of Jiu Tong Xiu Card
Jiu Tong Xiu Card can be used in nearly 100 branches of the Bank to handle the deposit and remittance services.
Jiu Tong Xiu Card Card/Fold Combination
This card can be used alone or in combination with a card/fold. Customers using Jiu Tong Xiu Card alone can check their daily and historical transaction details through the Bank's counters, customer service centers, and multi-media inquiry machines; customers using the card and folders together can check their detailed accounts through the supplementary registration of the passbook.
Functions of Payment of Fees
The Jiu Tong Card can be used to pay a variety of fees and charges through branch counters, telephone banking, self-service terminals, online banking, and Wealth Management E-Line, and it can also be contracted for "Payment of Fees and Charges by One Household", which allows the Bank to withhold various fees and charges on behalf of the customer on a regular basis. Currently, the bank can pay water, electricity, fixed telephone bills, mobile telephone bills, China Unicom telephone bills, Great Wall broadband usage fees, and gas bills (Hanyang area) on behalf of the bank.
Functions of Merchant Consumption
The Jiu Tong Xiu Card has been realized to be swiped and consumed at all POS machines labeled with the UnionPay logo in large and medium-sized cities nationwide, Hong Kong, Macao, Thailand, South Korea, Singapore and other countries. Meanwhile, consumption with Jiu Tong Xiu Card can also participate in the consumption points activities launched by the Bank and various kinds of lucky draws organized from time to time.
Introduction of Functions of Smart Wealth Management
Using Jiu Tong Xiu Card, you can apply for the Bank's smart account business, which includes two special service functions of automatic transfer and active notification, and is a new type of wealth management business that combines profitability and safety with the features of increasing the return of funds, ensuring the flexibility of fund utilization and ensuring the safety of funds.
Functions of ATM Withdrawal
You can withdraw money, make inquiries, transfer funds, and change passwords at the Bank's ATMs (the ATMs of Jingzhou, Huangshi, and Xiaogan Commercial Banks are regarded as the Bank's ATMs), and you can withdraw money, make inquiries, and transfer funds at ATMs with the UnionPay logo nationwide, as well as those in Hong Kong, Macao, South Korea, Singapore, and other countries.
Functions of the agreement to transfer deposits, automatic transfer of deposits
The fixed-term lump sum deposits under the Jiu Tong Xiu Card can be agreed to be transferred on maturity, and there is no need to go through the procedures of transferring the deposits again. If the agreed transfer period is less than the agreed transfer period, early withdrawal can be processed. If the customer does not make an agreement to transfer the deposit, the bank will automatically transfer the deposit for him/her upon maturity, so that the customer will not lose a single cent of interest.
Functional introduction of dual password measures
Customers can set the account withdrawal password and the inquiry password in the Jiu Tong Xiu Card separately according to their needs to ensure greater security of funds. The account withdrawal password is used when the Jiu Tong Xiu Card is used for transactions such as withdrawals, consumption and other account changes, and the account inquiry password is used when the Jiu Tong Xiu Card is used to inquire about account changes in telephone banking and Internet banking.
Functions of Self-service
You can apply for various self-service through the Bank's ATM, PCD, self-service terminals, telephone banking, Internet banking and Wealth Management E-line, such as withdrawal, transfer, inquiry, password change and bill payment.
Card Procedures
(1) New Card Procedures: You can apply for a Jiu Tong Xiu Card at any branch of the Bank with your valid ID. If the application is made on behalf of you, you will also need the valid ID of the person making the application on your behalf.
(2) Procedures for changing the card with the same card number: You can apply for the card at your account branch with your valid ID and Jiu Tong card. For the safety of your funds, the same card number can not be replaced on behalf of the card.
(3) Handling fee: The handling fee for applying for Jiu Tong Xiu Card is RMB 20 yuan per card. If you need to apply for a special number (meaning the last four digits of the card number are the same or consecutive) when applying for a new card, you will also need to pay a special number selection fee of RMB 10 yuan.
(4) Card Collection Time: After submitting your application for a Jiu Tong Xiu Card to the Bank, you can collect your new card from the application branch within ten working days.
Jiutong Wangye
"Jutong Wangye" is a series of small business loans launched by Hankou Bank in order to adapt to the operating characteristics of small businesses and to meet the financing requirements of small businesses, adhering to the concept of "Ideology at your service" and integrating innovative bank financing varieties. The Hankook Bank is a series of small business loan products that can maximize, flexibly and conveniently satisfy the diversified capital needs of small businesses.
Features and Advantages of "Jiu Tong Wangye"
1. Rich Financing Products: Comprehensively integrating all types of credit products already available in the bank to form a product system of nine "passes" to meet the diversified and personalized financing needs of small businesses.
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2. More efficient credit approval: Establishing a green approval channel for small businesses and optimizing the approval process, the process is completed within 5 working days from business acceptance to approval, and part of the business can be completed within 1 working day if the information is complete.
3, guarantee more diverse: all-round revitalization of various types of business assets, expand the scope of guarantee varieties, reduce the financing threshold. In addition to the traditional pledge guarantee, it also accepts accounts receivable, warehouse receipts, bills of lading, machinery and equipment, intellectual property rights, cargo rights, equity, guarantee, credit and other types of security varieties.
4. More flexible repayment methods: In addition to the traditional periodic interest repayment, there are also various repayment methods such as revolving loan, whole loan and zero repayment, zero loan and zero repayment, installment repayment, one-time repayment of the principal by installment, and grace period installment repayment.
5. Handling procedures are more convenient: Hankou Bank accepts them at all of its branches, and you can also make an appointment with a dedicated small business account manager through 96558 telephone banking.
6. Longer financing period: one credit is granted for 3 years. [2]
Scope of application of "Jiu Tong Wangye" series products
In response to the different financing needs of small businesses, the Bank has developed the "Jiu Tong Wangye" series products, which are tailored to small businesses, regardless of whether they are in the initial stage of business, the start-up stage, or the beginning of a large-scale business. Whether you are in the start-up stage, the growth stage of the initial scale, or the mature stage of rapid expansion, you can find the most suitable financing methods in the "Jiu Tong Wangye" series of products.
1. Bills
It is a diversified bill financing program tailor-made for small business customers. The products include banker's acceptance, banker's acceptance discounting, commercial acceptance discounting, buyer's interest-paying commercial draft discounting, buyer's interest-paying commercial draft entrusted agent discounting, commercial acceptance bonding and other products.
Scope of application:
Suitable for customers who have the demand for forward payment, as well as those who hold commercial bills of exchange and at the same time have the demand for early recovery of funds.
Product types:
Banker's Acceptance
Banker's Acceptance Discounting
Commercial Acceptance Discounting
Buyer's Interest Paying Commercial Draft Discounting
Buyer's Interest Paying Commercial Draft Commissioned Agent Discounting
Commercial Acceptance Guaranteed Discounting
2. Collateralized Passage
Is a product that we have been working on for many years. It is a tailor-made financing solution for small enterprises, individual businessmen and other customers who have operational liquidity needs and operational fixed asset investment needs. The products include real estate mortgage loan, real estate mortgage comprehensive credit, machinery and equipment mortgage loan, land contract management right mortgage loan, industrial plant mortgage loan, machinery and equipment mortgage loan and other products.
Scope of application:
Suitable for customers who have operational liquidity needs and operational fixed asset investment needs, and can provide real estate and general equipment as collateral security.
Product types:
Real estate mortgages
Real estate mortgages for comprehensive credit
Machinery and equipment mortgages
Land contract management right mortgages
Industrial plant mortgages
Machinery and equipment mortgages
3. Guaranteed Pass
It is the bank's guarantee for customers who have undergone approved customers, taking the professional guarantee company and general enterprise guarantee guarantee method approved by the Bank to issue loans. The products include professional guarantee company guarantee financing, general enterprise guarantee financing, and joint guarantee loans.
Scope of application:
Applicable to customers who have operational liquidity needs and can provide guaranteed financing by professional guarantee companies and general enterprise guarantees approved by the Bank.
Product types:
Professional Guarantee Company Guaranteed Financing
General Enterprise Guaranteed Financing
Joint Guarantee Loan
4. ITC
It is a financing product tailored for import and export small enterprises with international trade financing needs, which can help enterprises expand sales, accelerate capital recovery and guarantee the safety of accounts. The products include import licensing, export letter of credit packaged loan, import and export charge, TT financing, forfaiting, lading guarantee, import letter of credit on behalf of the payment, export tax rebate account escrow loan and other products.
Scope of application:
It is applicable to import and export enterprises with international trade financing needs.
Products:
Import L/C issuance
Export L/C packaged loan
Import remittance charge
Export remittance charge
TT financing
Fulfillment
Lading Guarantee
Import L/C payment on behalf of
Export tax rebate account custodian loan
5. Cargo Rights Pass
It is a loan product designed by the Bank for small enterprises that are often trapped in a large amount of funds occupied by inventory and receivables, which can revitalize the existing assets of the enterprises and solve the problem of difficult guarantee. The products include industrial and commercial bank agreement financing, bill of lading pledge financing, warehouse receipt pledge financing and movable property pledge financing.
Scope of application:
Suitable for enterprises with marketable products, fast circulation speed, high commodity value content and a certain degree of anti-depreciation ability in the short term.
Product types:
Industrial and Commercial Bank Agreement Financing
Bill of Lading Pledge Financing
Warehouse Receipt Pledge Financing
Chattel Pledge Business
6. Accounts Right Passing
It is our financing product for the small enterprises which have a high quality of accounts receivable, good creditworthiness of payers, and a long settlement period with fixed settlement date. The product contains accounts receivable closed back. The product includes accounts receivable closed payback financing, payment financing, accounts receivable pledge financing, domestic factoring, and account speeding and other financing products.
Scope of application:
Applicable to enterprises with high quality accounts receivable, good creditworthiness of the payer, long settlement period and fixed settlement date.
Product types:
Accounts Receivable Closed Return Financing
Payment for Goods Financing
Accounts Receivable Pledge Financing
Domestic Factoring
Accounts Speedy
7. Equity Pass
It is specially designed by our company for the enterprises which have stable equity value, easy to realize the equity pledges, and have the need for operating liquidity. It is a financing product specially designed for enterprises with stable equity value, easy realization of equity pledge and operational liquidity needs. The product includes equity pledge guarantee loan and other products.
Scope of application:
Suitable for enterprises with operational liquidity needs, stable equity value and easy realization of equity pledge.
Product types:
Equity pledge secured loans
8, Science and Technology Pass
It is a financing product specially designed for science and technology-based enterprises with independent intellectual property rights and operational liquidity needs. The product includes intellectual property rights pledge financing, science and technology three funds bridging loans and other financing products.
Scope of application:
Science and technology enterprises with independent intellectual property rights and operational liquidity needs.
Product types:
Intellectual property rights pledge financing
Three science and technology funding bridging loan
9, credit pass
Credit pass
It is a credit loan issued by the Bank to customers who have a good business credit and who have established a better cooperative relationship with the Bank. The products include quasi credit financing and credit loans such as 1+1 Credit Facility, Business Banking Loan, Legal Entity Account Overdraft, and "Credit Insurance Bridge".
Scope of Application:
Applicable to customers with good business reputation and good cooperative relationship with the Bank.
Products:
1+1 Credit Facility
Congress Bank Loan
Corporate Account Overdraft
"Credit Guarantee Bridge"