Product Introduction

“NCB Pu-Hui-Bao” is an online financing platform especially designed for providing finance services for small and micro-sized enterprises and agriculture-related clients. Based on core enterprises in certain industries or areas, “NCB Pu-Hui-Bao” serves farmers, individual businesses, small and micro-sized enterprises and their individual shareholders within these certain industries or areas. As a one-stop online financing solution for clients, “NCB Pu-Hui-Bao” includes multiple functions such as account management, financing management, archives management and contract management.

Advantages

Taking the advantages of internet and information and communication technologies, “NCB Pu-Hui-Bao” uses intelligent identification technology as security guarantee, providing various financial products and services for different clients. Relying on the legality of electronic signature, clients now can apply for loans and finish all the subsequent transactions online.

Features

◆ Online convenience – Individual clients are able to finish loan transactions fully online, including opening accounts, applying for loans, signing contracts and withdrawing and repaying funds. All application materials can be submit through “NCB Pu-Hui-Bao”.
◆ Flexible Length of Maturity – The credit term is normally one year. Within this term, the length of borrowing is determined by the actual needs of clients. Also, clients can borrow repeatedly once they repay their previous borrowing.
◆ Sources of Repayment – The sources of clients’ repayment can be their comprehensive business operating income.
◆ Various Payment Period Choices – Depending on the types of clients and their different business operating modes, the payment period of loans can be different, including average capital plus interest method, average capital method, monthly interest payment and principal at maturity, one-time repayment of principal and interest at maturity.

Applicable Clients

Clients including farmers, individual businesses, small and micro-sized enterprises and their individual shareholders can apply “NCB Pu-Hui-Bao” products.