Huaxia Bank Shenzhen Branch strives to build a harmonious financial

The 2010 Chinese Banking Public Education Service Day event was launched in a grand and orderly manner throughout the country under the leadership of the China Bank Supervision and Administration Commission.　　Huaxia Bank Shenzhen Branch to carry out the implementation of the CBRC and Shenzhen CBRC directives, and actively participate in the public Education Service Day activities, in a rich form, enrich the content of the broad masses of financial knowledge to popularize.　　November 28, Huaxia Bank Shenzhen branch of the 16 mission points have set up a publicity tent, neatly placed promotional leaflets, calendar cards, desk calendar and other promotional materials, publicity personnel uniform dress, enthusiastic, professional, patient to the public mission services.　　According to statistics, Huaxia Bank Shenzhen Branch A total of 208 employees participated in the event, the release of more than 6,500 sets of promotional leaflets, desk calendar small card more than 6,300, more than 1500 calendar, a total of more than 7,900 publicity services, of which the public consultation reached more than 5,000 passengers. In the field mission, the Shenzhen branch of the mission site also set up a variety of interactive games, amusement projects, so that the general public in the game to learn the security card knowledge, improve the use of bank card security awareness and prevention capabilities, familiar with the various common bank card fraud practices. For example, the bank card fraud case sketch demo. According to the role needs, the missionaries play different roles to demonstrate credit card fraud, bank card phone fraud, ATM fraud and other sketches, while inviting the public to participate in the role of the performance, through the scene of a vivid performance, the image of the specific disclosure of risk and risk factors, and the voice-over prompts people how to guard To protect their own property. For example, 5 financial crimes cases were selected to be used for loop playback on the activity site, through living examples to give people the warning of education, the effectiveness of prevention of financial crime, as well as financial knowledge questions and answers, real counterfeit money to identify interactive games and so on, vivid cases and rich activities to make the mission activities entertaining, wonderful,　　Be unanimously accepted by the public.　　It is understood that Huaxia bank Shenzhen branch will organize various business outlets around the theme of the event to continue to carry out a two-week focused mission.　　"2010 Chinese Banking Public Education Service Day" Special Report 1, what is a personal loan?　　Personal loan refers to the loans made by banks or other financial institutions to natural persons for personal consumption, production and operation, etc.　　2. What kinds of personal loans?　　Personal loans include personal housing loans, personal Housing Provident Fund loans, personal car loans, personal comprehensive consumer loans, personal production and operation of loans, personal credit loans, personal certificates of deposit (national debt) pledged loans.　　3, what is the farmer's small credit loan?　　The peasant household small credit loan refers to the credit cooperatives, according to the Farmers ' credit, the loans which are issued to the peasant households without collateral and guarantee within the approved quota and time limit, it is applicable to the farmers and self-employed households engaged in rural land tillage or other activities related to the development of rural economy.　　4. What is the national student loan? The National student loan is government-led, in order to help the poorA bank loan provided by a student who is trapped in a family, the borrower does not need to handle the loan guarantee or the mortgage, the repayment on schedule, and bear the corresponding legal responsibility.　　5. What problems should be paid attention to when applying for personal loan? Apply for a loan limit usually the monthly payment should not exceed 50% of the household income, the loan use should be legal compliance, the transaction background to be true, according to their repayment capacity and future income expectations, choose the appropriate way of repayment; To provide information to the bank to be true, to provide my address, contact details to be accurate,　　Timely notification of changes to the bank, read the terms of the contract, understand their rights and obligations, to pay on time to avoid the formation of bad credit records; do not lose the loan contract and IOU, for mortgage loans, after paying off the loan, do not forget to revoke the mortgage registration.　　6, personal loan use should pay attention to what problems? Personal loans should have a clear use, and should comply with laws and regulations and the relevant national policies, transaction background is true, not fictitious trading background and loan purposes; The use of personal loans should follow the principle of good faith, in line with the provisions of the contract, according to the current state regulations, the loan funds shall not violate the　　Real estate development and other countries expressly prohibit access to the field, loans to buy housing should be in accordance with the provisions of the State to apply for personal housing loans, under the current state regulations, consumer loans prohibit access to housing loans. 7. Fixed interest rate and floating rate fixed rate refers to the interest rate that is not adjusted during the loan period. That is, the interest rate set at the time the loan contract is signed, regardless of how the market interest rate changes during the loan period, the borrower pays interest at a fixed rate; The floating rate is the interest rate that can be adjusted periodically during the borrowing period.　　According to the loan agreement between the two parties, during the loan period, according to the market interest rate adjustment, currently in accordance with the contract provisions, generally in the January 1 of each year according to the changes in market interest rates to adjust accordingly.　　8. What kinds of repayment methods? Repayment method is the borrower repayment of principal and interest, the amount of interest based on the number of borrowers residual principal calculated, different repayment methods to determine the rate of return on the principal, which led to the difference in total interest payments, the same amount of repayment of the principal monthly increment, the number of months.　　Equal principal repayment of the principal to maintain the same, the interest is increased monthly, but in accordance with the individual repayment period, the matching principal repayment method will save the loan interest expenditure. Generally speaking, the matching principal repayment method is suitable for a certain economic foundation, can bear the earlier repayment pressure, and have the prepayment plan borrowers, the same principal repayment method due to monthly repayment of the same money, convenient arrangement of income, suitable for economic conditions do not allow upfront repayment income is too large, income in a more stable state of borrowers.