CITIC Baixin Bank, what kind of bank is it, is it reliable and regular

Hello, Bacera Bank.

Is it a regular bank, the loan platform of CITIC Baixin Bank is Baixin Bank. Bacera Bank (full name is "CITIC Bacera Bank Shares****") is the first direct bank approved as an independent legal person, which was established by China CITIC Bank.

Jointly initiated with the company. Bacera Bank is regular.

Microloans** are the most reliable and direct to the account, and compared to other loan methods, online lending platforms.

The loan application is convenient and the loan is fast, but when applying for an online loan, pay attention to choosing a formal large platform, which can better protect personal interests and information security.

At the same time, be careful not to pay pre-loan fees to avoid being scammed.

It is recommended that you use Rich Money, which is Du Xiaoman Finance.

Its credit service brand (formerly known as Youqian Hua, renamed as "Youqian Hua" in June 2018) is a big brand with reliable and low interest rates. If you have money to spend - full easy loan, the maximum amount of borrowing is 200,000 (Click on the official free test credit), daily interest rates as low as toIt has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: Your second-generation ID card needs to be provided during the application process.

My own debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and a temporary ID card cannot be used.

Expired ID card and first-generation ID card.

Bacera Bank, whose full name is "CITIC Bacera Bank Co., Ltd.", is the first direct bank approved as an independent legal person, which was jointly initiated by China CITIC Bank and the company. With the market positioning of "financial management for the people and financing for the public", China CITIC Bank will rely on its strong product development and innovation capabilities, customer operation and risk management and control system, as well as the company's Internet technology and user traffic resources to meet the personalized financial needs of customers and build a differentiated and unique direct bank with market competitiveness. It has launched three core businesses: consumer finance, small and micro finance and wealth management.

Baixin Bank (full name is "CITIC Baixin Bank Shares") is a direct bank jointly initiated by China CITIC Bank and the company, and approved by the China Banking Regulatory Commission.

Banks, banks that specialize in stealing bank cards.

China CITIC Bank is a formal bank. China CITIC Bank is one of the national commercial banks, headquartered in Beijing, established in 1987, formerly known as CITIC Industrial Bank, and changed to CITIC Bank at the end of 2005. On April 27, 2007, China CITIC Bank was listed on the Shanghai ** Stock Exchange.

The main shareholder is CITIC Co., Ltd. Bancobilbaovizcayaargentaria spent 100 million euros (about 100 million Hong Kong dollars) to buy a 5% stake in China CITIC Bank, and can also choose to increase its shareholding in China CITIC Bank. China CITIC Bank is the seventh largest bank in Chinese mainland, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches.

It is one of the six banks and three guarantees of Hong Kong's Chinese financial stocks. On May 9, 2020, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission (CBIRC) reported that in March 2020, China CITIC Bank violated the principle of confidentiality for depositors by providing transaction details of personal bank accounts to third parties without the authorization of the customers themselves. Our bureau will initiate the investigation procedure in accordance with relevant laws and regulations, and strictly investigate and deal with it in accordance with laws and regulations.

At the end of 1984, with the needs of economic development, Mr. Rong Yiren, chairman of the board of directors of China International Trust and Investment Corporation (hereinafter referred to as CITIC), sent a special letter requesting the establishment of a bank under the CITIC system to fully operate the business of foreign exchange banking. With the approval of the first and People's Bank of China, the banking department will be established to expand the business of the foreign exchange bank and make preparations for the establishment of the bank. In April 1985, CITIC established the Banking Department on the basis of the original Finance Department, and further expanded its comprehensive banking business such as external financing, foreign exchange transactions, loan issuance, international settlement, financial leasing and deposit taking.

In the two years since the establishment of the banking department, with the strong support and help of the People's Bank of China and the State Administration of Foreign Exchange, the business has made rapid progress, and has accumulated certain experience through handling RMB and foreign exchange deposits, loans, international leasing, import and export certificates, valuable **, foreign exchange trading, foreign currency exchange and other businesses, and has initially met the conditions for establishing a bank. At the end of May 1986, CITIC applied to the People's Bank of China to restructure the banking department of CITIC into CITIC Industrial Bank, and in early 1987, with the approval of *** and the People's Bank of China, CITIC Bank was formally established. In April 1987, the People's Bank of China approved CITIC Bank as a state-owned comprehensive bank owned by CITIC Corporation, a subsidiary of CITIC Corporation and an independent legal entity.

The registered capital is 800 million yuan. Implement independent management, independent accounting, and self-responsibility for profits and losses. Branches can be set up at home and abroad to operate approved banking business.

Mr. Rong Yiren, former Vice President of the People's Republic of China, is the Honorary Chairman of China CITIC Bank.

100% Loan Platform. Bacera Bank is an Internet bank jointly established by China CITIC Bank and China CITIC Bank, which was officially opened on November 18, 2017 with the approval of the China Banking and Insurance Regulatory Commission. If the lender shows CITIC Baixin Bank, then the lending platform for this loan is Baixin Bank.

Expand your information; Silver twigs seep into the eyes.

1.CITIC Baixin Bank is referred to as Baixin Bank, the full name of CITIC Baixin Bank shares****, which is the first approved independent legal person Xingfeng Sui style direct bank, not a loan platform, this is a bank jointly initiated by CITIC Bank and the company. Since November 2015, China CITIC Bank and the company announced their intention to prepare for the establishment of Baixin Bank, and after more than a year of hard work, on December 30, 2016, Baixin Bank was officially approved by the China Banking Regulatory Commission to start preparation.

On August 15, 2017, it was approved by the China Banking Regulatory Commission to open for business. It officially opened on November 18, 2017.

2.On the credit information, the loan of CITIC Baixin is a 100% loan, and the loan business is the loan business of Baixin Bank. According to the standards of financial institutions, the product needs to check the credit before the limit is issued.

Because you need to check the credit before applying, users with bad credit will not be able to get the loan amount. Naturally, if the loan applicant is overdue, the overdue situation will also be uploaded to the credit report.

3.Baixin Bank released the wealth management sub-SaaS open service platform, and reached a first-time landing service cooperation with Qingyin Wealth Management, which is also the first case of Internet bank SaaS open service platform accessing the bank's wealth management subsidiary.

With the rise of digitalization, with the change of investors' behavior habits, "online" and "platform" have gradually become the necessary track for wealth management services. Internet banks, represented by Baixin Bank, which have the natural advantages of "finance + Internet", have formed the integration capability of software as a service through intelligent, digital and platform-based technologies, and continue to give full play to the advantages of Internet banking through open financial services, so as to deeply empower the innovation and development of Qingyin's wealth management business.

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First of all, CITIC Baixin Bank is a bank under the CITIC Group of China. The bank mainly provides financial services such as personal loans, corporate loans, credit cards, and wealth management. In addition to the common personal consumption loans, housing loans, and vehicle loans, it also involves loans in agriculture, education and other fields, and the amount is relatively high, which can meet the loan needs of different levels and purposes.

If you have a need for a loan, we recommend you to go to Moorron. Moore Dragon provides a wide range of loans, such as personal consumption loans, business loans, home mortgage loans, etc., which can meet the different loan needs of different people. In addition, Moore Dragon also has a complete risk control system and approval process, which can provide users with fast and safe loan approval.

In addition, in the process of loan elimination, Moore Long has always adhered to the service concept of "customer first" and provided professional, meticulous and thoughtful services. The platform's customer service team can answer various questions from users, help users choose the most suitable loan products for them, and solve various problems encountered in the loan process for users.

Bacera Bank is an internet bank jointly established by China CITIC Bank and China CITIC Bank, which was approved by the China Banking and Insurance Regulatory Commission and officially opened on November 18, 2017. If the loan lender shows CITIC Baixin Bank, then the loan platform for borrowing is Baixin Bank. In addition, the consumer credit product launched by the nuclear liquid Baixin Bank is a good one, with a maximum credit line of 200,000 yuan, which supports borrowing and repaying at any time.

Bacera Bank Introduction:

Bacera Bank (full name"CITIC Baixin Bank shares****"Founded in 2017 and jointly initiated by China CITIC Bank, it is the first state-controlled Internet bank approved by China CITIC Bank and led by the China Banking and Insurance Regulatory Commission.

Positioned as an AI-driven digital inclusive bank, Bacera Bank is committed to exploring fintech and open banking innovation through artificial intelligence, big data, cloud computing and other technologies, and has been selected as the central bank's regulatory sandbox innovation project twice, and has been awarded the AAA long-term credit rating for three consecutive years.

Baixin Bank's business covers consumer finance, wealth management, auto finance, small and micro finance and financial institutions, and has successively released digital financial products such as Haohuihua, Wallet Plus, QuickPass Card, Baijia Loan, Baishang Loan, Baixing Loan, and Baiqiao Sticker.

On May 22, 2020, according to the announcement on the official website of the China Banking and Insurance Regulatory Commission, the application for capital increase and share expansion and shareholder qualification of CITIC Baixin Bank (hereinafter referred to as "Baixin Bank") was approved. After this capital increase, the registered capital of Baixin Bank will increase to 100 million yuan.

On October 13, 2020, Baicheng Congratulatory Bank released its new credit Bipai service brand Haohuihua, and joined hands with Happy Twist to stage the first comedy live product launch conference in the financial circle on Kuaishou and Weibo.

On April 8, 2021, Bacera Bank launched a new smart auto finance brand and launched two products, "100 Auto Loan" and "100 Business Loan".

In November 2020, the China Banking and Insurance Regulatory Commission officially approved the capital increase and share expansion plan of Baixin Bank, and agreed to introduce Canadian Pension Pension** as a new strategic investor. "Let the people enjoy a simple and reliable financial life"This is the mission of our development.

It is a formal bank, and Baixin Bank is a direct bank jointly initiated by China CITIC Bank and the company. It has complete qualifications and is supervised by the China Banking and Insurance Regulatory Commission, so Baixin Bank is a regular bank, and it is safe to deposit money in it.

As the first state-controlled Internet bank, Bacera Bank can expand its business across the country, adhering to the mission of carrying the experimental field of transformation and development of China's banking industry, increasing investment in artificial intelligence, big data, cloud computing and other fields, exploring financial technology and open banking innovation, empowering inclusive financial services, and creating an innovative model of Internet open banking.

1. Direct banking

Direct banking is a new type of bank born in the Internet era, which does not have physical outlets and does not issue physical bank cards to customers, and mainly relies on the Internet platform to provide users with deposit, loan, foreign exchange business, investment and wealth management products. Dozens of banks, including Minsheng Bank and Huishang Bank, have officially launched their own direct banks.

Because direct banks do not have physical outlets, they have streamlined institutions, and their operating costs are much lower than those of traditional banks, and the deposit products and wealth management products they provide are often more preferential.

Second, the deposit safety of Baixin Bank

Although Baixin Bank is a direct bank, it is also a formal bank approved by the China Banking Regulatory Commission, holding a "limited license commercial bank" license, and its deposit products are also protected by deposit insurance regulations, so the deposit of less than 500,000 yuan in Baixin Bank is safe.

3. Deposit income of Baixin Bank

The minimum deposit of Baixin Bank is 500,000 yuan, and the maximum position amount per person is 300,000 yuan. Investors can deposit on any day, and the interest will start to be calculated on the day of deposit, and the interest will be earned on a daily basis, and the interest will be settled on the 21st of each month, but only the principal will be calculated as interest, and the interest will not be calculated according to compound interest.

For example, if an investor deposits 10,000 yuan into Baixin Bank's deposit product, and withdraws it after 30 days, the annualized interest rate of the deposit is, then the expected interest income that can be obtained after withdrawing is: 10,000 * yuan.

CITIC Baixin Bank is referred to as Baixin Bank, the full name of CITIC Baixin Bank shares****, this is the first approved independent legal person form of direct bank, not a loan platform, this is a bank jointly initiated by CITIC Bank and the company.

CITIC Baixin Bank Co., Ltd. was established on September 5, 2017. The legal representative Li Qingping, the company's business scope includes: absorbing public deposits, mainly deposits of individuals and small and micro enterprises; Short-term, medium-term and long-term loans mainly for individuals and small and micro enterprises; Handle domestic and foreign settlements through electronic channels; Handle the acceptance and discounting of electronic bills; issuance of financial bonds; buying and selling ** bonds, financial bonds; engaging in interbank lending; Buying, selling, ** buying and selling foreign exchange; engaged in bank card business; ** Receipts and payments; Other businesses approved by the banking regulatory authority; insurance ** business, etc.

Scope of business. Absorb deposits from the public, mainly from individuals and small and micro enterprises; Short-term, medium-term and long-term loans mainly for individuals and small and micro enterprises; Handle domestic and foreign settlements through electronic channels; Handle the acceptance and discounting of electronic bills; issuance of financial bonds; buying and selling ** bonds, financial bonds; engaging in interbank lending; Buying, selling, ** buying and selling foreign exchange; engaged in bank card business; ** Receipts and payments; Other businesses approved by the banking regulatory authority; Insurance** business; **Sale. (The enterprise was a domestic-funded enterprise before 2020-06-12, and changed to a foreign-invested enterprise after 2020-06-12; Market entities independently select business projects and carry out business activities in accordance with the law; Insurance business and projects subject to approval in accordance with the law shall carry out business activities in accordance with the approved content after approval by relevant departments; It shall not engage in business activities of projects prohibited and restricted by the national and municipal industrial policies.