Bank of China, leveraging internet and big-data technologies and subject to compliance with applicable laws and risk controls, offers the following online loan services:
| Type | Product Name | Eligible Borrowers | Processing Channels |
|---|---|---|---|
| Mortgage | Mortgage Loan | Small and micro enterprises as defined under the China classification standards | Eligible small and micro enterprises that can provide real property approved by BOC as collateral may complete a set of operations — such as loan application, disbursement, and repayment — via BOC's corporate online banking and other online channels. |
| Guarantee | Guarantee Loan | Eligible small and micro enterprises that are guaranteed by a financing guarantee institution approved by BOC may complete a set of operations — such as loan application, disbursement, and repayment — via BOC's corporate online banking and other online channels. | |
| Unsecured | Science and Technology Innovation Loan | Eligible small and micro technology enterprises that provide tax information may complete a set of operations — such as loan application, disbursement, and repayment — via BOC's corporate online banking, personal mobile banking and other online channels. | |
| Unsecured | Tax Loan | Eligible small and micro enterprises that provide tax information may complete a set of operations — such as loan application, disbursement, and repayment — via BOC's corporate online banking, personal mobile banking and other online channels. | |
| Unsecured | Settlement-Linked Loan | Eligible small and micro enterprises that already maintain settlement business with BOC may complete a set of operations — such as loan application, disbursement, and repayment — via BOC's corporate online banking, personal mobile banking and other online channels. |
In July 2022, the BOC Inclusive Finance App was launched. Focusing on customer needs, the app provides dedicated services for areas including technology finance, supply chain finance, inclusive agricultural finance, foreign exchange, and foreign trade. It has features such as shareholders' meetings and precise credit-limit estimation. These enhancements continuously improve convenience services for customers and strengthen digital marketing and customer acquisition capability.
Comprehensive Operating Companies
