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The public issuance of bonds by Chinese companies needs to meet the following requirements: the net assets of joint stock limited companies are more than 30 million, and that of limited liability companies is 60 million; The balance of bonds shall not exceed 40% of net assets (calculated by financial companies according to regulations); Comply with national laws and the Articles of Association, and the use of funds conforms to industrial policies; The average value of owner's equity in recent three years must be greater than the interest of one year; The company has sound internal control and good credit rating. The issuance shall be subject to professional credit evaluation. #Financial insurance 1434 readings -
Malicious overdraft of credit cards includes overdue payment, over limit consumption, illegal possession, etc., which is manifested by deliberately exceeding the limit with the knowledge of inability to repay, and ignoring collection. The risk causes are diverse, such as the card issuing bank's lax review, inadequate implementation of guarantee measures, insufficient collection of non-performing assets, and backward Internet technology. #Financial insurance 932 readings -
Strict handling of overdue credit cards: prompt by SMS within one week, and collect by phone after one cycle; Over two cycle door-to-door call. If the overdue period exceeds three months, the bank has the right to appeal to the law. The overdue impact includes paying high interest (annual interest rate is about 18%) and late fees (such as 5% of CMB), which are recorded in the personal credit report, affecting subsequent credit card applications or loans, and may be reduced, increased interest or even refused to lend. #Financial insurance 1000 readings -
When the credit card is overdue, interest suspension is a recommended solution. However, it is necessary to apply as soon as possible, otherwise it will be charged with high interest, which may lead to interest accumulation and legal proceedings. If you are not familiar with the handling process, you should seek professional or legal assistance in time to avoid being included in the blacklist of dishonesty. #Financial insurance 1308 readings
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China Merchants Bank has taken compulsory measures to close the overdue goods account, and the recovery authority is limited. Long overdue period and large amount may lead to account freezing. If the card holder is overdue, he/she should actively respond, otherwise his/her credit will be damaged. A good repayment record of five years overdue can eliminate the bad record, but the new overdue will restart the timing. It is suggested that the cardholder should keep good repayment habits in the recent two years to dilute the historical bad records. #Financial insurance 1497 readings -
Although the bank is unable to freeze the WeChat change to deal with the overdue credit card, it may affect the use of the credit card. Users can continue to use WeChat services after they know it, but the credit card function is limited. In case of economic pressure, you should actively negotiate with the bank for repayment, and the bank will evaluate the materials and develop a repayment plan. If the negotiation fails, it shall be implemented according to the bank's collection. Overdue repayment will lead to credit damage and affect credit rating, so it is recommended to repay as soon as possible to repair credit. #Financial insurance 922 readings -
Re apply for CCB credit card within three days, and different card types will not affect the approval; Only one of the same category can be issued. The approval time varies according to the application method: it may take 10 to 5 working days for the official website or existing card users to apply, 1-2 weeks for mobile banking, and 20-25 days for outlets to fill in the form. Applications that have been verified by online bank shield can be completed within 5 days. Please log in the "Credit Card Service Hall" on the official website of China Construction Bank to check the progress. If you have any questions, please feel free to consult. #Financial insurance 1090 readings -
In case of credit card arrears, timely communicate with the bank, honestly state the difficulties, and apply for deferred repayment. Try to use stable assets as collateral adjustment plan. If the debt is beyond the bearing range and the bank does not provide assistance, it is necessary to actively seek other solutions to avoid legal disputes. The repayment period shall be agreed or handled in accordance with the law to protect their own rights and interests. #Financial insurance 1098 readings
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Agent: plaintiff result: Win the lawsuit My value: The financial loan case with a large amount of subject matter has many and complicated evidences, which can be clearly sorted out and won. Detailed case> -
Agent: plaintiff result: Win the lawsuit
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#Financial insurance 2024-06-30 -
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#Financial insurance 2024-06-30 -
#Financial insurance 2024-06-30 -
#Financial insurance 2024-06-30