If the repayment exceeds the grace period of Guangfa Credit Card, it will be regarded as "overdue repayment". The consequences of overdue repayment are more serious, which will not only result in penalty interest and late payment fees, but also affect personal credit records.
1. Guangfa Bank was established in September, 1988 with a registered capital of114.08 million yuan, and its headquarters is located at No.713, Dongfeng East Road, Yuexiu District, Guangzhou, China. With the approval of the People's Bank of the State Council and China, Guangdong Development Bank, as a pilot bank for financial system reform in China, was established on the beautiful Pearl River and is one of the earliest joint-stock commercial banks in China.
On April 8, 20 1 1, with the approval of the regulatory authorities and relevant government departments, the original registered name of Guangdong Development Bank Co., Ltd. was changed to "Guangfa Bank Co., Ltd.". The English name was changed to "China Guangfa Bank" (hereinafter referred to as "Guangfa Bank"). By the end of June 2020, the total assets of Guangfa Bank were 28 1 trillion yuan, an increase of 6.84% compared with the beginning of 2020; The total liabilities were 2.59 trillion yuan, an increase of 7.02% compared with the beginning of 2020. In the first half of 2020, Guangfa Bank achieved an operating income of 40.907 billion yuan and a net profit of 6.486 billion yuan. On March 9th, 2020, "Top 20 19 China Banking 100 Ranking" was released, and Guangfa Bank ranked 16.
Second, the size of the company.
After years of rapid development, the strength of Guangfa Bank has been further enhanced. At the end of 20 10, the total assets of the Bank were 81439 billion yuan (RMB, the same below), an increase of1479.03 million yuan or 22.19% over the beginning of the year; The accumulated net profit of the whole bank in 20 10 was about 665,438+89 million yuan, an increase of 2,802 million yuan or 82.73%. 20 1 1 year, the profit of Guangfa Bank reached a new high, with a net profit of 9.586 billion yuan, up 54.89% year-on-year. By the end of 20 1 1, the total assets of the whole bank were 9189.82 million yuan.
China Guangfa Bank has established 65,438+08 tier-one branches in Shijiazhuang, Beijing, Shanghai, Hangzhou, Nanjing, Huai 'an, Zhengzhou, Kunming, Wuhan, Changsha, Guangzhou, Tianjin, Harbin, Urumqi, Shenyang, Jinan, Chengdu, Fuzhou, Xi 'an, Hefei and Chongqing. In Ningbo, Wenzhou, Yingkou, Qujing, Yuxi, Pingdingshan, Anyang, Xinxiang, Dalian, Benxi, Dandong, Hengyang, Shenzhen, Dongguan, Foshan, Zhuhai, Huizhou, Shantou, Chaozhou, Jiangmen, Zhongshan, Zhaoqing, Maoming, Zhanjiang, Meizhou, Qingyuan, Yangjiang, Heyuan, Shaoguan, Nantong, Panjin and Taizhou. In Wuxi, Huangshi, Daqing, Jieyang, Yunfu, Xiangtan and other places, there are 6 directly affiliated branches, Macao branches and Hong Kong representative offices, with more than 560 business outlets. According to the ranking of 65,438+0,000 big banks in the world by British Banker magazine, Guangfa Bank has been selected as one of the top 500 global banks for four consecutive years.