SPD BANK(SH:600000) Zhong Jin Zai Xian·2025-09-25 00:14Core Viewpoint - Shanghai Pudong Development Bank (SPDB) has launched an online credit consumer loan product called "Puflash Loan," which allows customers to apply for loans up to 1 million yuan without collateral, featuring automatic approval and daily interest calculation [2][6]. Group 1: Product Features - Puflash Loan can be applied for online through the SPDB mobile app, with a maximum loan term of 7 years and a maximum limit of 1 million yuan [2][6]. - The annual interest rate for Puflash Loan ranges from 3.0% to 12.4%, calculated on a simple interest basis [6]. - Customers can withdraw funds multiple times as long as the loan limit is valid, and the approval process is automated based on individual credit qualifications [5][6]. Group 2: Application Process - The application process involves submitting an application through the SPDB mobile app, where customers input their information and authorize the bank to proceed [3][4]. - After submission, the system automatically approves the loan based on the customer's qualifications, with the final approval subject to the bank's discretion [4][5]. - Customers can withdraw funds by selecting the amount and repayment period, followed by a review and signing of the loan agreement [5]. Group 3: Promotional Activities - A promotional activity is ongoing until December 31, 2025, where customers holding SPDB debit cards can receive gifts if their loan limit assessment is approved during the promotional period [5].