Personal collateral loans
Personal loans are loans personal pledge to comply with the requirements of Weihai bank certificates of deposit as collateral material, to the banks for a certain amount of RMB loans.
Customer loan application process:
(1) to apply: apply for the rights of the individual borrower as security for loans, bank outlets are required to submit an application and submit relevant materials;
(2) loan approval: Bank of investigation, examination and approval departments for approval by the right to consent, as security for stopping payment;
(3) signed a contract: signed a personal pledge of bank customers in the loan contract;
(4) loan: the borrower completed bank-related procedures can be confirmed by the audit loans;
(5) Customer payment: The customer agreed to make payments under the contract.
2010年4月4日星期日
loan rates college loans line of credit homeowner
Auto loan
Auto loan is the bank in its special dealer car buyers to buy a car payment of RMB loans secured a new loan.
In addition to auto loan application must be approved by the authorized dealer banks to purchase a car within the limit, the application auto loan car buyers must meet the following conditions:
(1) the purchaser must be 18 years of age, and with full civil capacity of the Chinese citizens.
(2) the purchaser must have a stable job and stable income, or have a readily realizable assets, so as to repayment of the loan. Easily converted to cash here generally refers to securities and gold and silver products.
(3) apply for a loan period, the car counters in the handling bank savings account earning less than the memory requirements of the buyers bank first paragraph.
(4) to the bank guarantee acceptable to the Bank. If the car's personal account is not local, but also to provide joint responsibility to ensure that banks do not accept buyers with loans secured by the purchase of vehicles set. (5) buyers are willing to accept the bank's other conditions deemed necessary.
Auto loan is the bank in its special dealer car buyers to buy a car payment of RMB loans secured a new loan.
In addition to auto loan application must be approved by the authorized dealer banks to purchase a car within the limit, the application auto loan car buyers must meet the following conditions:
(1) the purchaser must be 18 years of age, and with full civil capacity of the Chinese citizens.
(2) the purchaser must have a stable job and stable income, or have a readily realizable assets, so as to repayment of the loan. Easily converted to cash here generally refers to securities and gold and silver products.
(3) apply for a loan period, the car counters in the handling bank savings account earning less than the memory requirements of the buyers bank first paragraph.
(4) to the bank guarantee acceptable to the Bank. If the car's personal account is not local, but also to provide joint responsibility to ensure that banks do not accept buyers with loans secured by the purchase of vehicles set. (5) buyers are willing to accept the bank's other conditions deemed necessary.
loan debt student loan credit loans plus loan
Tips for personal housing mortgage loans
Current position: Loan> Housing Loan> Housing Loan Policy> body
Tips for personal housing mortgage loans
Source: Unknown author: admin Published :2009-10-01 Click 1
First, personal housing mortgage loan applicants should first meet the following conditions
(A) have full civil capacity;
(B) have permanent residence or valid residence city identity;
(C) a stable income and can repay the loan principal and interest on schedule, no bad credit behavior;
(D) a legal purchase contract;
(E) the purchased house is not set other rights;
(F) the first purchase payment has been paid in full;
(7) laws and regulations and other conditions.
Second, loan applicant to submit the required information (original or copy)
(A) the borrower and the spouse ID card (military officers to provide military officer, Hong Kong and Macao to provide legal residence identity card).
(B) of the loan account of the applicant and spouse.
(C) marriage certificate (to provide a spouse's marriage certificate, proof of single issue unmarried, divorced the divorce certificate to be submitted).
(D) of the loan applicant and spouse's work and proof of income (or the personnel, labor official seal affixed chapter).
(E) the first proof of payment and purchase of housing purchase contracts.
Third, other documents
(1) private (individual businesses) and business license, tax registration certificate (should reflect the most recent year examined the situation).
(B) private (individual businesses) tax registration certificate, tax receipts in recent months, while providing natural guarantor.
(C) of the guarantor should have stable job, good income, the best civil servants, administrative institution personnel, higher-income employees of large state-owned enterprises; suggested that the Education, transportation, electricity, finance, health and other departments.
(Iv) a guarantor to provide identity cards, residence booklet, proof of income.
(E) the borrower and the spouse and the Guarantor have no bad credit record.
4 Other Notes
(1) the borrower and the spouse had no record of housing loans, housing loans can enjoy the first set of prime rate, which listed current benchmark interest rate to float downward national 15%.
(B) if the borrower and the spouse had a home loan records, regardless of whether the settlement, we can not enjoy the first set of home loan lending rate, but not subject to this restriction apply for provident fund loans.
(C) Yi Shoufang loans of up to 30 years of age; the same time, apply for loans plus years of age, men and no more than 65 years of age and the woman over 60.
(D) number of years of second-hand housing loans plus loans Fangling period not exceeding 40 years; apply for a loan plus years of age, men and no more than 65 years of age and the woman over 60.
(E) the legal case of the loan interest rate adjustment, according to the People's Bank on January 1 next year since the implementation of the new rate standards.
Current position: Loan> Housing Loan> Housing Loan Policy> body
Tips for personal housing mortgage loans
Source: Unknown author: admin Published :2009-10-01 Click 1
First, personal housing mortgage loan applicants should first meet the following conditions
(A) have full civil capacity;
(B) have permanent residence or valid residence city identity;
(C) a stable income and can repay the loan principal and interest on schedule, no bad credit behavior;
(D) a legal purchase contract;
(E) the purchased house is not set other rights;
(F) the first purchase payment has been paid in full;
(7) laws and regulations and other conditions.
Second, loan applicant to submit the required information (original or copy)
(A) the borrower and the spouse ID card (military officers to provide military officer, Hong Kong and Macao to provide legal residence identity card).
(B) of the loan account of the applicant and spouse.
(C) marriage certificate (to provide a spouse's marriage certificate, proof of single issue unmarried, divorced the divorce certificate to be submitted).
(D) of the loan applicant and spouse's work and proof of income (or the personnel, labor official seal affixed chapter).
(E) the first proof of payment and purchase of housing purchase contracts.
Third, other documents
(1) private (individual businesses) and business license, tax registration certificate (should reflect the most recent year examined the situation).
(B) private (individual businesses) tax registration certificate, tax receipts in recent months, while providing natural guarantor.
(C) of the guarantor should have stable job, good income, the best civil servants, administrative institution personnel, higher-income employees of large state-owned enterprises; suggested that the Education, transportation, electricity, finance, health and other departments.
(Iv) a guarantor to provide identity cards, residence booklet, proof of income.
(E) the borrower and the spouse and the Guarantor have no bad credit record.
4 Other Notes
(1) the borrower and the spouse had no record of housing loans, housing loans can enjoy the first set of prime rate, which listed current benchmark interest rate to float downward national 15%.
(B) if the borrower and the spouse had a home loan records, regardless of whether the settlement, we can not enjoy the first set of home loan lending rate, but not subject to this restriction apply for provident fund loans.
(C) Yi Shoufang loans of up to 30 years of age; the same time, apply for loans plus years of age, men and no more than 65 years of age and the woman over 60.
(D) number of years of second-hand housing loans plus loans Fangling period not exceeding 40 years; apply for a loan plus years of age, men and no more than 65 years of age and the woman over 60.
(E) the legal case of the loan interest rate adjustment, according to the People's Bank on January 1 next year since the implementation of the new rate standards.
mortgage secured consolidation time loan
Means the commercial banks to achieve their business objectives and the guiding principle of lending operations and measures of the general, but also commercial banks to follow the safety, liquidity, profitability three principles specific guidelines and measures. Commercial banks to develop lending policies, first is to ensure the coherence of its business activities. Lending policy is to guide each of the general principle of a loan decision. Ideal to support bank lending policies to make the right lending decisions, to contribute to the operation of banks; Second, is to ensure the quality of bank loans. Credit policy can correct the bank's credit management maintain the desired level, to avoid the risk too great, and can be appropriately chosen business opportunity. In addition, the loan policy is to establish credit in the Bank promises. Clear policies established by the credit bank promises a common basis for the development of credit culture. Planned economy to market economy in the process of lending mainly from the monetary authorities. But with the government financial deregulation, commercial banks must set their own lending policies of the content. Lending policies of science, rationality and the status of implementation is bound to affect the business performance of commercial banks.
Commercial bank lending policies should include the main elements: (1) determine the direction of bank lending activities of the basic principle that the commercial bank business objectives and operating guidelines (safety, liquidity and profitability); (2) a clear credit policy committee Huo Loan Committee in the form and functions; (3) loan approval authority to establish responsibility and procedures for loan approval; (4) provides that the lending limit, including a borrower's credit for each maximum amount of total deposits of bank loans or capital rate; (5) mortgage loans or guarantees; (6) loan pricing; (7) the type of loans and regional restrictions. The lending policies should reflect the content of the commercial banks and the business strategy and business purposes, to determine the operating characteristics of commercial banks and business direction.
Commercial Bank of the loan policy was based primarily on: (1) where the country's financial laws, regulations, policies, fiscal policy and central bank monetary policy; (2) The bank's funding sources structure, the capital position and debt structure; (3) the status of national economic development; (4) Bank staff capacity and experience.
Commercial bank lending policies should include the main elements: (1) determine the direction of bank lending activities of the basic principle that the commercial bank business objectives and operating guidelines (safety, liquidity and profitability); (2) a clear credit policy committee Huo Loan Committee in the form and functions; (3) loan approval authority to establish responsibility and procedures for loan approval; (4) provides that the lending limit, including a borrower's credit for each maximum amount of total deposits of bank loans or capital rate; (5) mortgage loans or guarantees; (6) loan pricing; (7) the type of loans and regional restrictions. The lending policies should reflect the content of the commercial banks and the business strategy and business purposes, to determine the operating characteristics of commercial banks and business direction.
Commercial Bank of the loan policy was based primarily on: (1) where the country's financial laws, regulations, policies, fiscal policy and central bank monetary policy; (2) The bank's funding sources structure, the capital position and debt structure; (3) the status of national economic development; (4) Bank staff capacity and experience.
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"Finally her parents had." Shanghai Financial Leasing Co., Ltd. General Manager Wang Zhiyao true guarantee to the "Daily Economic News", said excitedly.
As a set up 3 years warranty 4 billion yuan total, no one case of problems, general manager of security guarantees, Wang Zhiyao still feel a trace of helplessness. He introduced, as a single former security companies are doing business with the bank's cooperation has been in a vulnerable, social recognition is not high. He said the benefits of the establishment of a security trade association, the most important thing is to have a unified organization within the association, associations and banks, associations and the government has established a link. Wang Zhiyao noted that the association set up, can enhance cooperation between industry, previously secured some large projects, a single company can not guarantee access to bank approval, the future can be secured through several cooperation. At the same time association with the banks to allow Association members to be recognized by banks, the banks in secured lending in the timely help. As a trade association, the industry can also call in a timely manner with the government authorities for effective communication, which are a single force can not guarantee companies and the.
Secured loans to find rules to follow
When he learned that Shanghai will set up a security trade association news, many SMEs have agreed. "In the future to find a rule-based security agency finally." On the Beach Ocean Electric Co., Ltd. General Manager Yangbing Lin told reporters. According to him, the search for security, do not know what kind of security company-related businesses, some security companies offer for it too, finally gave up some of the projects. With the security industry association can go to the Association for security advice to facilitate financing for SMEs. Some business owners hope that the association can truly service-oriented, to serve its members, services for the majority of SMEs in SME financing to accomplish something.
Bank Loan Process
A loan amount:
Secondary maximum amount of residential loans in order to assess the value of the purchase price of housing between the minimum value for the base housing within 10 years the maximum amount of 70%; 11 to 20 years the maximum amount of housing 60%
Second, loan period:
Fang Ling and loan deadline and a maximum of 30 years; term of the loan plus the borrower's age shall not exceed 60 years male, 55 female; loans for a maximum period of 20 years
Third, housing requirements:
85-year period prior to the housing loans up to 5 years
Less than 50 square meters and houses 85 two years ago to meet the housing credit lines point to 4 percent
Note: The above two conditions prevail as the actual verification
4, for the object:
1, must be Tangshan Tangshan City or the surrounding counties have a stable job and income, outsiders can provide security and to provide a temporary residence permit
2, income limit requirement: monthly repayment amount can not exceed the borrower's monthly family income of 55%, and the rest is sufficient to maintain normal family life; married couples must provide proof of income, if the borrower before a car loans, mortgages and other loans, total monthly income must be greater than twice the monthly payments, and no history of poor repayment of loans (the borrower if the mortgage interest rate in accordance with the second implementation of the benchmark rate)
3, single, monthly income must be more than twice the monthly payments
4, all borrowers must provide a guarantor, the guarantor's income not required, but the sponsor must not have an adverse loan repayment history; if the borrower either both spouses are not in the administrative organs, institutions, state enterprise workers, and must be The units provide a guarantor
5, individual businesses and provide business license, tax license, financial statements, tax payment certificate
6, the guarantor is not required until proof of income, but the sponsor must be no bad repayment history
5, loan process:
1. After the signing of sales contract, notify the buyer and seller to prepare the relevant materials.
2. Bank of the trial (two days)
3. Trial by, the bank released "borrower notice of approval" for processing transfer procedures
4. After the transfer formalities, the first payment within three working days hit the books on the seller, and also apply for land certificates
5. Arrangements for buyers and sellers to sign client side (1, to buy prescribing book; 2, the guarantor must be present)
6. The right to apply for registration of his items
7. In his entry after the registration formalities in 10 working days to receive items of property, and his warrant card
8. To warrant sending him items of banks
9. Bank loans
6, loan information required:
1. The houses of personal data:
ID card of the houses, houses, papers and a copy of a copy of spouse ID card 1
Land ownership certificate and copy of the certificate 1
People and the houses, the photocopy of each spouse 1 account (where the parties and where the accounts of the home page)
Marriage certificate copy of the houses, 1 person
A copy of the book and the book
2. The borrower (buyer) information:
3 copies of ID card copy of the borrower and the borrower 3 copy of spouse ID card copies
Account of the borrower and the spouse of a copy of all 2 (where the parties and where the accounts of the home page)
Borrower and the spouse's income to prove that the 1
2 copies of marriage certificate (marriage certificate, proof single, single, divorced and the divorce certificate to prove he is still single)
3. Bank internal standard information:
Personal loan certificates (a type 6)
Individual housing loan application form
Individual housing loan risk assessment form
Planning commission shall debit authorization (2)
Listing real estate mortgages (2)
Power of attorney (authorization Loan Bank System in the People's Bank personal credit check lenders credit report)
4. Housing Authority mortgage program parts are:
Housing Application Form for Registration of other rights 1
Apply for housing loans, power of attorney (bank) 2
Private Mortgage Guarantee 1
Power of Attorney (Housing Authority security center) 2
Mortgage application and registration form 1
Warranty 1
2 copies of the legal representative of the Certificate of Identity
Marital status of mortgage applicants a statement of the book 1
Banking business license 2
2 copies of corporate identity
Copy of ID card of 2
New real estate license, a copy of all land certificates 2
Assessment Report 1
Note: In addition to these materials, the outsiders must provide a temporary residence permit another copy of a copy;
Special circumstances require proof of income to have a guarantor guarantor 1, ID 1 Xerox copy of a copy of this account
7, the customer with the information needed to be signed in:
The borrower and the guarantor the same time the couple arrived at the scene, the two sides should bring ID card, household, marriage certificate (foreigners with temporary residence permits would be required for the original) and related costs (mortgage costs 420 yuan), the guarantor identity card, account this
8, charges:
1, warrant his entry outside USA: 300 yuan ---- City Housing Authority security center
2, insurance: Loan amount * factor * 0.119% Insurance - Insurance Companies;
3, mortgage payments: (80 / single) - City Housing Authority
4, Chadang fee: 40 yuan - City Housing Authority
5, notary fees: The following fee loan 200 000 200 yuan, increasing 100 000 surcharge for each subsequent 100 - Notary Service
9, Attention:
1, ID is expired, identity card number, name it with the account books, marriage certificates in line, such as the need to correct discrepancies before they can apply for loans.
2, proof of income with a pen or pen and fill in, shall not be altered, must be stamped with the unit an official seal or official seal of large enterprises in the Lao Zike.
3 copies of the property ownership certificate department official seal, mortgage write-offs should be clear.
4 pieces of second-hand housing loans in the housing service life should be the year of calculation of housing completed. For example: a housing completed in 1998, the useful life of the housing for the 2005-1998 +1 = 8 years
5, after examination and approval procedures for mortgage loans, loan contracts and to be promptly transferred to the borrower-related bills to avoid late payment.
6, since the customer transfer process from the date of the loan process takes 16 days or so, pay attention to work with customers to explain.
As a set up 3 years warranty 4 billion yuan total, no one case of problems, general manager of security guarantees, Wang Zhiyao still feel a trace of helplessness. He introduced, as a single former security companies are doing business with the bank's cooperation has been in a vulnerable, social recognition is not high. He said the benefits of the establishment of a security trade association, the most important thing is to have a unified organization within the association, associations and banks, associations and the government has established a link. Wang Zhiyao noted that the association set up, can enhance cooperation between industry, previously secured some large projects, a single company can not guarantee access to bank approval, the future can be secured through several cooperation. At the same time association with the banks to allow Association members to be recognized by banks, the banks in secured lending in the timely help. As a trade association, the industry can also call in a timely manner with the government authorities for effective communication, which are a single force can not guarantee companies and the.
Secured loans to find rules to follow
When he learned that Shanghai will set up a security trade association news, many SMEs have agreed. "In the future to find a rule-based security agency finally." On the Beach Ocean Electric Co., Ltd. General Manager Yangbing Lin told reporters. According to him, the search for security, do not know what kind of security company-related businesses, some security companies offer for it too, finally gave up some of the projects. With the security industry association can go to the Association for security advice to facilitate financing for SMEs. Some business owners hope that the association can truly service-oriented, to serve its members, services for the majority of SMEs in SME financing to accomplish something.
Bank Loan Process
A loan amount:
Secondary maximum amount of residential loans in order to assess the value of the purchase price of housing between the minimum value for the base housing within 10 years the maximum amount of 70%; 11 to 20 years the maximum amount of housing 60%
Second, loan period:
Fang Ling and loan deadline and a maximum of 30 years; term of the loan plus the borrower's age shall not exceed 60 years male, 55 female; loans for a maximum period of 20 years
Third, housing requirements:
85-year period prior to the housing loans up to 5 years
Less than 50 square meters and houses 85 two years ago to meet the housing credit lines point to 4 percent
Note: The above two conditions prevail as the actual verification
4, for the object:
1, must be Tangshan Tangshan City or the surrounding counties have a stable job and income, outsiders can provide security and to provide a temporary residence permit
2, income limit requirement: monthly repayment amount can not exceed the borrower's monthly family income of 55%, and the rest is sufficient to maintain normal family life; married couples must provide proof of income, if the borrower before a car loans, mortgages and other loans, total monthly income must be greater than twice the monthly payments, and no history of poor repayment of loans (the borrower if the mortgage interest rate in accordance with the second implementation of the benchmark rate)
3, single, monthly income must be more than twice the monthly payments
4, all borrowers must provide a guarantor, the guarantor's income not required, but the sponsor must not have an adverse loan repayment history; if the borrower either both spouses are not in the administrative organs, institutions, state enterprise workers, and must be The units provide a guarantor
5, individual businesses and provide business license, tax license, financial statements, tax payment certificate
6, the guarantor is not required until proof of income, but the sponsor must be no bad repayment history
5, loan process:
1. After the signing of sales contract, notify the buyer and seller to prepare the relevant materials.
2. Bank of the trial (two days)
3. Trial by, the bank released "borrower notice of approval" for processing transfer procedures
4. After the transfer formalities, the first payment within three working days hit the books on the seller, and also apply for land certificates
5. Arrangements for buyers and sellers to sign client side (1, to buy prescribing book; 2, the guarantor must be present)
6. The right to apply for registration of his items
7. In his entry after the registration formalities in 10 working days to receive items of property, and his warrant card
8. To warrant sending him items of banks
9. Bank loans
6, loan information required:
1. The houses of personal data:
ID card of the houses, houses, papers and a copy of a copy of spouse ID card 1
Land ownership certificate and copy of the certificate 1
People and the houses, the photocopy of each spouse 1 account (where the parties and where the accounts of the home page)
Marriage certificate copy of the houses, 1 person
A copy of the book and the book
2. The borrower (buyer) information:
3 copies of ID card copy of the borrower and the borrower 3 copy of spouse ID card copies
Account of the borrower and the spouse of a copy of all 2 (where the parties and where the accounts of the home page)
Borrower and the spouse's income to prove that the 1
2 copies of marriage certificate (marriage certificate, proof single, single, divorced and the divorce certificate to prove he is still single)
3. Bank internal standard information:
Personal loan certificates (a type 6)
Individual housing loan application form
Individual housing loan risk assessment form
Planning commission shall debit authorization (2)
Listing real estate mortgages (2)
Power of attorney (authorization Loan Bank System in the People's Bank personal credit check lenders credit report)
4. Housing Authority mortgage program parts are:
Housing Application Form for Registration of other rights 1
Apply for housing loans, power of attorney (bank) 2
Private Mortgage Guarantee 1
Power of Attorney (Housing Authority security center) 2
Mortgage application and registration form 1
Warranty 1
2 copies of the legal representative of the Certificate of Identity
Marital status of mortgage applicants a statement of the book 1
Banking business license 2
2 copies of corporate identity
Copy of ID card of 2
New real estate license, a copy of all land certificates 2
Assessment Report 1
Note: In addition to these materials, the outsiders must provide a temporary residence permit another copy of a copy;
Special circumstances require proof of income to have a guarantor guarantor 1, ID 1 Xerox copy of a copy of this account
7, the customer with the information needed to be signed in:
The borrower and the guarantor the same time the couple arrived at the scene, the two sides should bring ID card, household, marriage certificate (foreigners with temporary residence permits would be required for the original) and related costs (mortgage costs 420 yuan), the guarantor identity card, account this
8, charges:
1, warrant his entry outside USA: 300 yuan ---- City Housing Authority security center
2, insurance: Loan amount * factor * 0.119% Insurance - Insurance Companies;
3, mortgage payments: (80 / single) - City Housing Authority
4, Chadang fee: 40 yuan - City Housing Authority
5, notary fees: The following fee loan 200 000 200 yuan, increasing 100 000 surcharge for each subsequent 100 - Notary Service
9, Attention:
1, ID is expired, identity card number, name it with the account books, marriage certificates in line, such as the need to correct discrepancies before they can apply for loans.
2, proof of income with a pen or pen and fill in, shall not be altered, must be stamped with the unit an official seal or official seal of large enterprises in the Lao Zike.
3 copies of the property ownership certificate department official seal, mortgage write-offs should be clear.
4 pieces of second-hand housing loans in the housing service life should be the year of calculation of housing completed. For example: a housing completed in 1998, the useful life of the housing for the 2005-1998 +1 = 8 years
5, after examination and approval procedures for mortgage loans, loan contracts and to be promptly transferred to the borrower-related bills to avoid late payment.
6, since the customer transfer process from the date of the loan process takes 16 days or so, pay attention to work with customers to explain.
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Four provincial bank loan interest rate policy: the period should be reasonable plans to use paragraph length
Strategy 1: shop around carefully choose bank
At present, banks highly competitive, each in order to win more market share, will be in accordance with state regulations loan rate loan rate range adjustment. Therefore, demand for funds in the loan, in order to "shop around" to choose a low interest rate bank loans.
For example, the same loans to 100,000 yuan, loan period of one year, an implementation of the benchmark interest rate, an implementation of the floating interest rate of 20%, if you choose the latter, 1,000 yuan a year would pay an extra interest.
Strategy 2: select the right plan a reasonable period of
Funding requirements for those who need to use models of the time there are long, short. Therefore, in order to avoid bogus sales interest, bank loans, it should be a reasonable plan period with a section length. Similarly, loans, credit grade choose the longer term interest rates will be higher. Select grade that the longer the term of the loan, even if the loan will be interest on the same day different.
For example, the current short-term interest rates six months and one year is divided into two grades, and provides for the implementation term of the loan within six months, six months on the grade of interest rates, more than half a year to be performed less than one year rate of grade. If the funding needs of those loans will be 7 months, although more than half a year only 1 month of time, but in accordance with the provisions of the current interest-bearing loans, can only run one-year lending rate, which virtually increases the demand for those funds interest on the loan burden.
Strategy 3: understand the preferred way of spread
At present, the banking sector in the way business loans, mainly credit, guarantee, pledge, mortgage, and several forms. Correspondingly, the bank lending interest rates in the implementation of the floating interest rate will be different. As long as the same application period, then the same amount of the loan, if you choose the wrong loan could take on more loans will be interest, so that my money or more in vain.
Therefore, demand for funds in the bank loan to pay attention and understand the different loans under the interest rate spread is very important. For example, now banks with the lowest interest rate loans are loans for bill discounting and pledging that if their conditions allow, that the form of loans through these two certainly appropriate.
Strategy 4: Loan Agreement entered into caution
Now, a lot of demand for funds in the bank loan agreement when it is very random. In fact, this unrestrained behavior shows a lack of good financial management in their consciousness, often it will pay an extra interest in the loans, causing an artificial "high interest rates." Because some banks will make loan capital requirements of interest in the virtually bogus sales. For example, the retention of withholding loans and deposits interest loans.
The so-called retention deposits that demand for funds by lending to banks to obtain loans, to bank from the loan principal in the retention part of the deposit to the bank account to restrict the demand for funds in the loans to repay principal and interest when due on schedule. However, capital requirements are concerned, the loan principal to be discounted to pay the interest on the mean.
The so-called withholding interest loans that some banks to ensure that the loan interest on time to return, in the loan from the lender when the loan principal in the pre-deducted interest on all loans. As the demand for funds in this way those who make less money available for loans, has increased the demand for funds objectively's financing costs.
Strategy 1: shop around carefully choose bank
At present, banks highly competitive, each in order to win more market share, will be in accordance with state regulations loan rate loan rate range adjustment. Therefore, demand for funds in the loan, in order to "shop around" to choose a low interest rate bank loans.
For example, the same loans to 100,000 yuan, loan period of one year, an implementation of the benchmark interest rate, an implementation of the floating interest rate of 20%, if you choose the latter, 1,000 yuan a year would pay an extra interest.
Strategy 2: select the right plan a reasonable period of
Funding requirements for those who need to use models of the time there are long, short. Therefore, in order to avoid bogus sales interest, bank loans, it should be a reasonable plan period with a section length. Similarly, loans, credit grade choose the longer term interest rates will be higher. Select grade that the longer the term of the loan, even if the loan will be interest on the same day different.
For example, the current short-term interest rates six months and one year is divided into two grades, and provides for the implementation term of the loan within six months, six months on the grade of interest rates, more than half a year to be performed less than one year rate of grade. If the funding needs of those loans will be 7 months, although more than half a year only 1 month of time, but in accordance with the provisions of the current interest-bearing loans, can only run one-year lending rate, which virtually increases the demand for those funds interest on the loan burden.
Strategy 3: understand the preferred way of spread
At present, the banking sector in the way business loans, mainly credit, guarantee, pledge, mortgage, and several forms. Correspondingly, the bank lending interest rates in the implementation of the floating interest rate will be different. As long as the same application period, then the same amount of the loan, if you choose the wrong loan could take on more loans will be interest, so that my money or more in vain.
Therefore, demand for funds in the bank loan to pay attention and understand the different loans under the interest rate spread is very important. For example, now banks with the lowest interest rate loans are loans for bill discounting and pledging that if their conditions allow, that the form of loans through these two certainly appropriate.
Strategy 4: Loan Agreement entered into caution
Now, a lot of demand for funds in the bank loan agreement when it is very random. In fact, this unrestrained behavior shows a lack of good financial management in their consciousness, often it will pay an extra interest in the loans, causing an artificial "high interest rates." Because some banks will make loan capital requirements of interest in the virtually bogus sales. For example, the retention of withholding loans and deposits interest loans.
The so-called retention deposits that demand for funds by lending to banks to obtain loans, to bank from the loan principal in the retention part of the deposit to the bank account to restrict the demand for funds in the loans to repay principal and interest when due on schedule. However, capital requirements are concerned, the loan principal to be discounted to pay the interest on the mean.
The so-called withholding interest loans that some banks to ensure that the loan interest on time to return, in the loan from the lender when the loan principal in the pre-deducted interest on all loans. As the demand for funds in this way those who make less money available for loans, has increased the demand for funds objectively's financing costs.
consolidation loans debt consolidation loans home equity loans
Tips for SMEs to obtain bank loans:
Establish a good relationship between banks and enterprises.
To pay attention to credibility.
Investment projects should be written feasibility study report, highlight the characteristics of the project.
Choose the right loan opportunity.
SMEs to obtain security agencies.
(A) business loan
Start-up loan is the ability of certain production operations or have been engaged in production and business activities of individuals, due to start or re-apply for business funding requirements made by the bank approved after the effective guarantee and paid a special lending. Eligible borrowers, according to the resources of individual status and ability to pay and receive up to 500,000 yuan in loans to support the single. On the business reaches a certain size, may give a higher loan amount. Business loan period is generally 1 year, no longer than 3 years. Business support laid-off workers, business loan interest rate in accordance with the provisions of the People's Bank rate to float downward with the grade and may enjoy a certain proportion of government discount.
(2) mortgage loans
For business people who need the flexibility to be used for personal consumption loans to entrepreneurs. Mortgage collateral, the amount of not more than 70% of assessed value, the maximum credit limit of 300,000 yuan. If you venture down the street need to purchase commercial housing, children can be purchase as collateral to banks for Commercial House loans, loans generally do not buy commercial buildings to be assessed more than 60% of the value of the loan period for a maximum of 10 years.
For entrepreneurs are: real estate mortgage loans, chattel mortgages, loans and other intangible assets low.
Real estate mortgage loans. Entrepreneurs can land, housing and other real property as collateral to obtain bank loans.
Chattel mortgage. Entrepreneurs can be stocks, bonds, corporate bonds and other securities by banks recognized, as well as gold and silver jewelry and other personal property as collateral to obtain bank loans.
(3) Pledged Loan
In addition to certificates of deposit may pledge outside to Treasury bills, insurance policies and other documents are also easy to get personal loans. Certificates of deposit certificates of deposit as security for loans to credit the amount of 80%; bonds as security for loans to loans denominated government bonds, 90%; insurance policy loans, introduced in the amount not exceeding the cash value of insurance policies was 80%.
Judging from the range of collateral, the scope is more broad, like certificates of deposit, treasury bills, bills of lading, trademarks, industrial property and so can be used as collateral. As long as entrepreneurs can find their own things, to such rights as the pledge of property, can apply for bank loans.
(4) guarantee loans
If you do not have certificates of deposit, bonds, and no policy, but your spouse or parents have a better job, a stable income, which is excellent credit resources. Current soft spot for banks to high-income groups, lawyers, doctors, civil servants, public sector employees and the financial sector workers are classified as credit privilege object, these industries employed only one or two colleagues to find security can be in ICBC, Construction Bank and other financial institutions to obtain 10 million worth of guaranteed loans, in prepared under a variety of materials, which can be approved the same day, so fast access to venture capital.
(5) small loans for laid-off unemployed
According to "Where the age of 60 years of age, healthy, honest and credit, with certain labor skills of laid-off workers, self-employed, independent business venture or partnership with the organized employment, the labor security department can hold the re-employment concession card issued apply to commercial banks or their branches small secured loan requirements, entrepreneurs are able to employ laid-off unemployed workers, after consultation, re-employment benefits coin card, apply for loans for unemployed. each person can be the highest standard of 20,000 yuan loans , and the interest rate is the lowest among the local bank loan interest rates. If the company employed 10 laid-off workers, can enjoy up to 20 million low-interest loans.
(6) International trade financing
International Trade Finance is the Government and the Bank of import and export enterprises with import and export trade, settlement-related short-term financing or credit facilities. These activities include issuing credit, import financing, delivery guarantees, export financing, packaging loans, foreign currency bills discounted, international factoring, financing, forfeiting, export buyer's credit.
1) Short-term financing of international trade
* Exporters can import goods and short-term bank financing. Including: ① importers exporters advance. ② banks to provide loans to exporters, such as no collateral loans, banks with trust receipt loans, export mortgages, package loans, in-transit goods, mortgages, foreign storage loans.
* Importers and exporters, banks can obtain short-term funds. Including: ① exporter to importer of loans, such as open account credit, bill credit. ② bank loans to importers. Including banks importers direct funding, acceptance bill discount, bank acceptance credit, letter of credit financing.
2) long-term financing of international trade (export credit) export credit is the government or banks to stimulate domestic corporate goods exports to the domestic exporters, foreign importers in the future or the bank credit funds of economic activity. Ease the financial pressure is an important trade for SMEs financing. Including vendor credit, buyer credit two aspects.
The seller of credit, which banks on the domestic exporters to provide credit, provided by the exporter to the importer of a deferred payment credit export credit method.
Buyer's credit that the exporter company located bank draft or credit where a bank or importer to the importer to provide loans to help one of the merchandise exports had a form of export credits.
(3) Compensation trade financing
Compensation trade financing is the foreign institutional machinery to domestic enterprises, technical service and training as loans until the project goes into operation, the domestic enterprises to the project's products or other means agreed to pay the economic activities. This approach is to solve small and medium equipment, backward technology, lack of funds is one effective way. The financing is the first advanced enterprises with foreign equipment, technology imports, then the resulting income or access to products imported price amortization.
General procedure is:
Project financing feasibility study. Major projects include the study of domestic and Zai supporting construction of the enterprise 环境 and conditions, such as Peitao capital, technology, manpower, land and raw materials, Jichusheshi Ji relevant national policies; Renzheng project the economic effects of Shehui effects, etc.; You Yu Chanpinmiandui the international market, need certification of the product's international competitiveness and overseas market.
OK, the project approval. Project feasibility through certification, information reporting requirements will be the competent department for approval.
Negotiations with foreign investors. The main content of the negotiations, including equipment or technical performance, price, quantity, installation, maintenance, personnel training; transfer of technology property rights vested in the sector, the top set; pay the number of products, specifications, quality standards; pay period.
Contract. Agreement between the parties, will be the outcome of the negotiations to write contracts.
Performance of the contract. After the commencement of the contract, both parties under the contract operation of the business to trade under the contract financing payments.
(7) Integrated Credit
Comprehensive credit, that banks operating conditions for some good, reliable credit, high-quality (low-risk customers or to provide security for customers), given a certain period a certain amount of credit lines, business lines in the range of validity and can be recycled.
Comprehensive line of credit from the company to declare the material off the bank a one-time approval. Business operation can be phased according to their own money, as also with the use, but also saves cost of financing. Integrated high-quality customer credit conditions:
Credit rating at AA + (inclusive).
Asset-liability ratio no higher than the industry where good customer value.
Liability does not exceed the balance of net assets.
Operating loss is not the last two years, the first half of the total return on assets is not lower than the industry average.
Past two years, no bad credit record.
(8) secured loans
Secured loan is a borrower to a bank meets the statutory requirements of the Di Sanfang guarantor Zuowei default guarantee, performance bonds if the borrower can not repay, the bank is entitled to request the guarantor Lvxing or Chengdan agreed settlement of loans associated Zeren the loan Fang Shi. Including loans secured by a natural person, by a professional security company secured loan, secured loan, etc. Trust. Based on the above approach can also create more specific types of financing. For example:
1) Bills discounted financing. Is the holder of the commercial paper notes (mainly bank acceptance and commercial acceptance bills) transfer to the bank to obtain funds after deducting the discount interest. Financing in this way, the cost is very low, just to bring the corresponding notes to the bank to handle the formalities.
2) intellectual property as security for loans. Refers to the legal ownership of patents, trademarks, copyrights, after assessment of the property to the banks for financing.
3) export credit. Refers to the production of export products for enterprises, banks can export contract, or the importer to provide credit visa, providing packaged loans; companies have the cash account, you can provide foreign exchange mortgage loan; on sources of foreign exchange earnings of the company, could any Results obtained foreign exchange certificate Renminbi loans; on the export prospects of the enterprise, but also to lend a certain amount of Loans.
In addition, small temporary loan, overdraft credit cards can also be used a way to obtain capital. At present, the bank credit card function of the increasing overdraft. General from at least 3,000 yuan a credit card, 5000 dollars, for the sale of small entrepreneurs, the number of shareholders or a few families, each one of several cards in a certain period of time (eg 60 days), but also to solve about purchases without funding.
Establish a good relationship between banks and enterprises.
To pay attention to credibility.
Investment projects should be written feasibility study report, highlight the characteristics of the project.
Choose the right loan opportunity.
SMEs to obtain security agencies.
(A) business loan
Start-up loan is the ability of certain production operations or have been engaged in production and business activities of individuals, due to start or re-apply for business funding requirements made by the bank approved after the effective guarantee and paid a special lending. Eligible borrowers, according to the resources of individual status and ability to pay and receive up to 500,000 yuan in loans to support the single. On the business reaches a certain size, may give a higher loan amount. Business loan period is generally 1 year, no longer than 3 years. Business support laid-off workers, business loan interest rate in accordance with the provisions of the People's Bank rate to float downward with the grade and may enjoy a certain proportion of government discount.
(2) mortgage loans
For business people who need the flexibility to be used for personal consumption loans to entrepreneurs. Mortgage collateral, the amount of not more than 70% of assessed value, the maximum credit limit of 300,000 yuan. If you venture down the street need to purchase commercial housing, children can be purchase as collateral to banks for Commercial House loans, loans generally do not buy commercial buildings to be assessed more than 60% of the value of the loan period for a maximum of 10 years.
For entrepreneurs are: real estate mortgage loans, chattel mortgages, loans and other intangible assets low.
Real estate mortgage loans. Entrepreneurs can land, housing and other real property as collateral to obtain bank loans.
Chattel mortgage. Entrepreneurs can be stocks, bonds, corporate bonds and other securities by banks recognized, as well as gold and silver jewelry and other personal property as collateral to obtain bank loans.
(3) Pledged Loan
In addition to certificates of deposit may pledge outside to Treasury bills, insurance policies and other documents are also easy to get personal loans. Certificates of deposit certificates of deposit as security for loans to credit the amount of 80%; bonds as security for loans to loans denominated government bonds, 90%; insurance policy loans, introduced in the amount not exceeding the cash value of insurance policies was 80%.
Judging from the range of collateral, the scope is more broad, like certificates of deposit, treasury bills, bills of lading, trademarks, industrial property and so can be used as collateral. As long as entrepreneurs can find their own things, to such rights as the pledge of property, can apply for bank loans.
(4) guarantee loans
If you do not have certificates of deposit, bonds, and no policy, but your spouse or parents have a better job, a stable income, which is excellent credit resources. Current soft spot for banks to high-income groups, lawyers, doctors, civil servants, public sector employees and the financial sector workers are classified as credit privilege object, these industries employed only one or two colleagues to find security can be in ICBC, Construction Bank and other financial institutions to obtain 10 million worth of guaranteed loans, in prepared under a variety of materials, which can be approved the same day, so fast access to venture capital.
(5) small loans for laid-off unemployed
According to "Where the age of 60 years of age, healthy, honest and credit, with certain labor skills of laid-off workers, self-employed, independent business venture or partnership with the organized employment, the labor security department can hold the re-employment concession card issued apply to commercial banks or their branches small secured loan requirements, entrepreneurs are able to employ laid-off unemployed workers, after consultation, re-employment benefits coin card, apply for loans for unemployed. each person can be the highest standard of 20,000 yuan loans , and the interest rate is the lowest among the local bank loan interest rates. If the company employed 10 laid-off workers, can enjoy up to 20 million low-interest loans.
(6) International trade financing
International Trade Finance is the Government and the Bank of import and export enterprises with import and export trade, settlement-related short-term financing or credit facilities. These activities include issuing credit, import financing, delivery guarantees, export financing, packaging loans, foreign currency bills discounted, international factoring, financing, forfeiting, export buyer's credit.
1) Short-term financing of international trade
* Exporters can import goods and short-term bank financing. Including: ① importers exporters advance. ② banks to provide loans to exporters, such as no collateral loans, banks with trust receipt loans, export mortgages, package loans, in-transit goods, mortgages, foreign storage loans.
* Importers and exporters, banks can obtain short-term funds. Including: ① exporter to importer of loans, such as open account credit, bill credit. ② bank loans to importers. Including banks importers direct funding, acceptance bill discount, bank acceptance credit, letter of credit financing.
2) long-term financing of international trade (export credit) export credit is the government or banks to stimulate domestic corporate goods exports to the domestic exporters, foreign importers in the future or the bank credit funds of economic activity. Ease the financial pressure is an important trade for SMEs financing. Including vendor credit, buyer credit two aspects.
The seller of credit, which banks on the domestic exporters to provide credit, provided by the exporter to the importer of a deferred payment credit export credit method.
Buyer's credit that the exporter company located bank draft or credit where a bank or importer to the importer to provide loans to help one of the merchandise exports had a form of export credits.
(3) Compensation trade financing
Compensation trade financing is the foreign institutional machinery to domestic enterprises, technical service and training as loans until the project goes into operation, the domestic enterprises to the project's products or other means agreed to pay the economic activities. This approach is to solve small and medium equipment, backward technology, lack of funds is one effective way. The financing is the first advanced enterprises with foreign equipment, technology imports, then the resulting income or access to products imported price amortization.
General procedure is:
Project financing feasibility study. Major projects include the study of domestic and Zai supporting construction of the enterprise 环境 and conditions, such as Peitao capital, technology, manpower, land and raw materials, Jichusheshi Ji relevant national policies; Renzheng project the economic effects of Shehui effects, etc.; You Yu Chanpinmiandui the international market, need certification of the product's international competitiveness and overseas market.
OK, the project approval. Project feasibility through certification, information reporting requirements will be the competent department for approval.
Negotiations with foreign investors. The main content of the negotiations, including equipment or technical performance, price, quantity, installation, maintenance, personnel training; transfer of technology property rights vested in the sector, the top set; pay the number of products, specifications, quality standards; pay period.
Contract. Agreement between the parties, will be the outcome of the negotiations to write contracts.
Performance of the contract. After the commencement of the contract, both parties under the contract operation of the business to trade under the contract financing payments.
(7) Integrated Credit
Comprehensive credit, that banks operating conditions for some good, reliable credit, high-quality (low-risk customers or to provide security for customers), given a certain period a certain amount of credit lines, business lines in the range of validity and can be recycled.
Comprehensive line of credit from the company to declare the material off the bank a one-time approval. Business operation can be phased according to their own money, as also with the use, but also saves cost of financing. Integrated high-quality customer credit conditions:
Credit rating at AA + (inclusive).
Asset-liability ratio no higher than the industry where good customer value.
Liability does not exceed the balance of net assets.
Operating loss is not the last two years, the first half of the total return on assets is not lower than the industry average.
Past two years, no bad credit record.
(8) secured loans
Secured loan is a borrower to a bank meets the statutory requirements of the Di Sanfang guarantor Zuowei default guarantee, performance bonds if the borrower can not repay, the bank is entitled to request the guarantor Lvxing or Chengdan agreed settlement of loans associated Zeren the loan Fang Shi. Including loans secured by a natural person, by a professional security company secured loan, secured loan, etc. Trust. Based on the above approach can also create more specific types of financing. For example:
1) Bills discounted financing. Is the holder of the commercial paper notes (mainly bank acceptance and commercial acceptance bills) transfer to the bank to obtain funds after deducting the discount interest. Financing in this way, the cost is very low, just to bring the corresponding notes to the bank to handle the formalities.
2) intellectual property as security for loans. Refers to the legal ownership of patents, trademarks, copyrights, after assessment of the property to the banks for financing.
3) export credit. Refers to the production of export products for enterprises, banks can export contract, or the importer to provide credit visa, providing packaged loans; companies have the cash account, you can provide foreign exchange mortgage loan; on sources of foreign exchange earnings of the company, could any Results obtained foreign exchange certificate Renminbi loans; on the export prospects of the enterprise, but also to lend a certain amount of Loans.
In addition, small temporary loan, overdraft credit cards can also be used a way to obtain capital. At present, the bank credit card function of the increasing overdraft. General from at least 3,000 yuan a credit card, 5000 dollars, for the sale of small entrepreneurs, the number of shareholders or a few families, each one of several cards in a certain period of time (eg 60 days), but also to solve about purchases without funding.
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What is a bank loan
Bank loans by banks in accordance with national policies to a certain degree of interest rates to finance loans to those in need of funds and the return of an agreed period of economic behavior.
Classification of bank loans
According to different criteria for the classification, bank loans with a variety of different types. Such as:
Different terms of payment can be divided into short-term loans, medium-term loans and long-term loans;
Different ways according to repay can be divided into demand loans, term loans and overdrafts;
Different purposes or objects by loans can be divided into commercial and industrial loans, agricultural loans, consumer loans, loans, securities brokers;
Loan guarantees under different conditions, can be divided into bill discount loans, mortgage notes, mortgage products, credit loans;
Different sizes according to loan amount can be divided into retail and wholesale loans and loans;
Different ways according to the agreed interest rate, can be divided into fixed-rate loans and floating rate loans, and so on.
Moreover, in different countries and different development stages of a country, divided up according to various standard types of loans also have differences. If the United States, mainly ordinary business loans loan limit, working capital loans, lines of credit commitments, such as several types of loans, while the British commercial and industrial loans to use more discounting of bills, credit accounts and overdraft accounts in the form.
Anglo-American countries, types of bank loans
(1) General lending limit and the backup loan commitments. General lending limit is a kind of informal agreement bound form of loans. Corporate demand for funds is based on the characteristics of seasonal and regular, with the Bank entered into an informal agreement, agreed to a bank within the specified period the maximum amount of business loans, and credit lines in this period, the Company may at any time to obtain bank loans. Enterprises must apply for credit lines to explain the recent financial situation of banks, banks and credit under the company's own operational requirements and the implementation of the agreement to decide whether credit. Standby loan commitment is more formal and legally binding contractual agreement, the loans. Enterprise and Bank entered into a formal loan agreement, banks are committed within a specified period and limit loans to businesses and to require the enterprises to pay commitment fees to banks.
(2) working capital loans and project loans. Working capital loans is based on the enterprise product cycle is long, more reserves of raw materials, capital and slow return of the characteristics of the progress to determine the term of the loan sales and the amount of the loan. Project loans are high risk and high cost of large construction projects targeted loans, which is characterized by large amounts of high-risk, high interest rates, with the rationality and feasibility of the project as the basis for determining loan or loan debt recovery cable for the project, rather than companies and enterprises. For large projects, usually by the combination of a number of banks in order to form a syndicate of banks or syndicated loans, in order to diversify risk.
(3) bill discount. Compared with the general loan discount notes, which characterized in:
① third parties. Bills discounted notes for the object is man-made object rather than the borrower;
② line of credit. Discounted amount of the loan only with the denomination bills, the discount rate and the duration of the remaining bills, without borrowing, the borrower financial condition and other factors;
③ funding modalities and duration of reflux. Bills discounted bills can be handled through the rediscount rediscount and advance recovery of funds;
④ risks and benefits. Bills discounted with more reliable assurance of liquidity and risk spreading mechanism, but lower than the general loan proceeds.
(4) credit accounts and overdraft accounts. Credit account is mainly used to arrange bank loans installments a convenient form. Overdraft account is to open a current account in the bank to provide loans to customers the convenience of the form.
[Edit this paragraph] types of bank loans in China
June 1996 issued by the Bank of China, "General Rules on Loans" in the loan are as follows:
(1) self-loans, entrusted loans and certain loans. Self-loans, the lender is a legitimate way of raising funds own the loans, the risk borne by the borrower by the lender to recover the principal and interest. Entrusted loans, is by government departments, enterprises, institutions and individual clients to fund the loan (the trustee) to determine the loan according to the principal object, purpose, amount, term, interest rates paid on behalf of, monitoring the use and to help recover the loan. The lender (the trustee) only charge a fee, do not take credit risk. Specific credit means loans by the State Council for approval and possible losses take appropriate remedial measures, instructed state-owned commercial bank loans.
(2) short-term loans, medium-term loans and long-term loans. Short-term loans, is the term of the loan within a year (including one year) loans. Medium-term loans, is the term of the loan in one year (excluding one year) to five (with five years) loans. Long-term loans, is the term of the loan in five years (excluding five years) than loans.
(3) credit loans, secured loans and bills discounted. Credit refers to the borrower's credit loans. Secured loans, is guaranteed loan, mortgage, pledge loans. Guaranteed loans are defined as the "Guarantee Law of The People's Republic of China" approach to the third provision of the guarantee has committed itself to the borrower can not repay loans, according to the agreed commitment to Yi Ban guarantee Zerenhuozhe release, joint and several liability loans. Mortgage loans, yes means the "PRC Security Law" approach to the provision of mortgage the borrower or a third person's property as collateral for loans Fafang. Pledge loans are defined as the "Guarantee Law of the PRC" means the provisions of the pledge by the borrower or a third person's personal property or property rights as the quality of the loans. Bills discounted, is the lender to the borrower to buy commercial paper outstanding payments of the loan.
Bank loans by banks in accordance with national policies to a certain degree of interest rates to finance loans to those in need of funds and the return of an agreed period of economic behavior.
Classification of bank loans
According to different criteria for the classification, bank loans with a variety of different types. Such as:
Different terms of payment can be divided into short-term loans, medium-term loans and long-term loans;
Different ways according to repay can be divided into demand loans, term loans and overdrafts;
Different purposes or objects by loans can be divided into commercial and industrial loans, agricultural loans, consumer loans, loans, securities brokers;
Loan guarantees under different conditions, can be divided into bill discount loans, mortgage notes, mortgage products, credit loans;
Different sizes according to loan amount can be divided into retail and wholesale loans and loans;
Different ways according to the agreed interest rate, can be divided into fixed-rate loans and floating rate loans, and so on.
Moreover, in different countries and different development stages of a country, divided up according to various standard types of loans also have differences. If the United States, mainly ordinary business loans loan limit, working capital loans, lines of credit commitments, such as several types of loans, while the British commercial and industrial loans to use more discounting of bills, credit accounts and overdraft accounts in the form.
Anglo-American countries, types of bank loans
(1) General lending limit and the backup loan commitments. General lending limit is a kind of informal agreement bound form of loans. Corporate demand for funds is based on the characteristics of seasonal and regular, with the Bank entered into an informal agreement, agreed to a bank within the specified period the maximum amount of business loans, and credit lines in this period, the Company may at any time to obtain bank loans. Enterprises must apply for credit lines to explain the recent financial situation of banks, banks and credit under the company's own operational requirements and the implementation of the agreement to decide whether credit. Standby loan commitment is more formal and legally binding contractual agreement, the loans. Enterprise and Bank entered into a formal loan agreement, banks are committed within a specified period and limit loans to businesses and to require the enterprises to pay commitment fees to banks.
(2) working capital loans and project loans. Working capital loans is based on the enterprise product cycle is long, more reserves of raw materials, capital and slow return of the characteristics of the progress to determine the term of the loan sales and the amount of the loan. Project loans are high risk and high cost of large construction projects targeted loans, which is characterized by large amounts of high-risk, high interest rates, with the rationality and feasibility of the project as the basis for determining loan or loan debt recovery cable for the project, rather than companies and enterprises. For large projects, usually by the combination of a number of banks in order to form a syndicate of banks or syndicated loans, in order to diversify risk.
(3) bill discount. Compared with the general loan discount notes, which characterized in:
① third parties. Bills discounted notes for the object is man-made object rather than the borrower;
② line of credit. Discounted amount of the loan only with the denomination bills, the discount rate and the duration of the remaining bills, without borrowing, the borrower financial condition and other factors;
③ funding modalities and duration of reflux. Bills discounted bills can be handled through the rediscount rediscount and advance recovery of funds;
④ risks and benefits. Bills discounted with more reliable assurance of liquidity and risk spreading mechanism, but lower than the general loan proceeds.
(4) credit accounts and overdraft accounts. Credit account is mainly used to arrange bank loans installments a convenient form. Overdraft account is to open a current account in the bank to provide loans to customers the convenience of the form.
[Edit this paragraph] types of bank loans in China
June 1996 issued by the Bank of China, "General Rules on Loans" in the loan are as follows:
(1) self-loans, entrusted loans and certain loans. Self-loans, the lender is a legitimate way of raising funds own the loans, the risk borne by the borrower by the lender to recover the principal and interest. Entrusted loans, is by government departments, enterprises, institutions and individual clients to fund the loan (the trustee) to determine the loan according to the principal object, purpose, amount, term, interest rates paid on behalf of, monitoring the use and to help recover the loan. The lender (the trustee) only charge a fee, do not take credit risk. Specific credit means loans by the State Council for approval and possible losses take appropriate remedial measures, instructed state-owned commercial bank loans.
(2) short-term loans, medium-term loans and long-term loans. Short-term loans, is the term of the loan within a year (including one year) loans. Medium-term loans, is the term of the loan in one year (excluding one year) to five (with five years) loans. Long-term loans, is the term of the loan in five years (excluding five years) than loans.
(3) credit loans, secured loans and bills discounted. Credit refers to the borrower's credit loans. Secured loans, is guaranteed loan, mortgage, pledge loans. Guaranteed loans are defined as the "Guarantee Law of The People's Republic of China" approach to the third provision of the guarantee has committed itself to the borrower can not repay loans, according to the agreed commitment to Yi Ban guarantee Zerenhuozhe release, joint and several liability loans. Mortgage loans, yes means the "PRC Security Law" approach to the provision of mortgage the borrower or a third person's property as collateral for loans Fafang. Pledge loans are defined as the "Guarantee Law of the PRC" means the provisions of the pledge by the borrower or a third person's personal property or property rights as the quality of the loans. Bills discounted, is the lender to the borrower to buy commercial paper outstanding payments of the loan.
Loan Type
Many different types of loans, according to the different loan term, can be divided into a term loan and the loan. Term loan, the borrower must repay principal and interest within the agreed time; current loans, does not require repayment period, the customer can at any time repay all or part of the loans, banks may also require the borrower to repay the loan at any time. According to the different nature of guarantees, loans, mortgages and credit can be divided into two loans. Mortgage loan refers to commodity and merchandise certificates or other articles for the mortgage loans; credit loans by banks when lending money, there is no guarantee some kind, usually issued by the borrower signed the note himself. In China, the bank loans in terms of its loans to the object, including working capital loans, loans for technological transformation, infrastructure loans, overhaul lending, settlement loans, agricultural futures down payment loans, revolving loans for agricultural production and agricultural equipment loans.
According to the relevant provisions of national management of funds, Chinese banks are state-owned enterprises within the fixed capital, in principle, banks must lend to, according to a lower rate of interest; ultra-scale capital needs, from banks to companies and their financial situation lend, generally pay higher interest rates. Borrower for some objective reasons can not repay the loan, re-fill in IOUs, and reviewed and approved by the bank, you can extend the repayment period. But if the loans due to poor management unit of the subjective reasons can not repay the loan, you can not extend the repayment period, but also subject to interest on bank loans or deducted.
China, the specialized banks in the lending business, the following division: China Industrial and Commercial Bank of China and Agricultural Bank of China issued industrial loans, agricultural loans and commercial loans; China Construction Bank loans for infrastructure; Bank of China's RMB loans for foreign trade enterprises and foreign exchange loans; China Investment Bank and the World Bank for the use of other foreign investors to raise.
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What types of loans?
Loans divided by the length of the period, with short-term loans, medium-term loans and long-term loans. Short-term loans, is the term of the loan less than 1 year (including 1 year) loans. Medium-term loans, is the loan period of 1 or more years (not including 1 years) 5 years (including 5 years) loans. Long-term loans, is the term of the loan in 5 years (not including 5 years) than loans.
Loans secured by whether or not broken into credit and secured loan. Credit, is based on the borrower's good or bad credit loans to the borrower, not find a "guarantor", and no other guarantees. Secured loan, is the law by the borrower or third party guarantees and loans. Including guaranteed loans, secured loans, mortgage, pledge loans. Guaranteed loans, mortgage or pledge loans are defined as the "Guarantee Law of the PRC" means the provisions of the guarantee, mortgage or pledge form means loans. Such as personal housing loans and automobile loans are to home or car as collateral for secured loans issued.
Rural credit cooperatives, according to the loans targeted to their specific purposes, mainly in rural business loans, consumer loans, student loans, real estate loans, household loans, agricultural loans and other economic organizations loans.
First, self-loans, entrusted loans and certain loans:
1, self-loans, the lender is a legitimate way of raising funds own the loans, the risk borne by the borrower by the lender to recover the principal and interest.
2, entrusted loans, is by government departments, enterprises, institutions and individual clients to fund the loan (the trustee) to determine the loan according to the principal object of use, the amount of term, interest rates paid on behalf of, supervision of and assist in recovery of loans. The lender (the trustee) only charge a fee, do not take credit risk.
3, specific loan is approved by the State Council and the potential loss of loans to take appropriate remedial measures, instructed state-owned commercial bank loans.
Second, short-term loans, medium-term loans and long-term loans:
1, short-term loans, is the term of the loan less than 1 year (including 1 year) loans.
2, medium-term loans, is the term of the loan in one year (not including 1 year) 5 years (including 5 years) loans.
3, long-term loans, is the term of the loan in 5 years (not including 5 years) than loans.
Third, credit loans, secured loans and bills discounted:
1 credit, refers to the borrower's credit loans.
2, secured loan, is the guaranteed loans, mortgage, pledge loans.
Guaranteed loans, is in accordance with "Guarantee Law of the People's Republic" of guarantees provided to third parties promise the borrower can not repay loans, according to contractual commitments to ensure Ze Ren Yi Ban or joint and several liability Erfa Fang loans.
Mortgage loans are defined as the "Guarantee Law of the PRC" means the provisions of the mortgage to a borrower or a third person's property as collateral for loans.
Pledge loans are defined as the "Guarantee Law of the PRC" means the provisions of the pledge by the borrower or a third person's personal property or property rights as the quality of the loans.
3, bank discount, the lender is the borrower for the purchase of commercial paper outstanding way of loans.
Second, the loan term, interest rate
(A) short-term credit personal loans small period of 1 year (inclusive).
(B) of the small short-term credit personal loan interest rate prescribed by the PBC in accordance with the implementation of short-term lending rate, the floating rate in accordance with the relevant provisions of the PBC. In the case of the loan interest rate adjustments, enforcing contracts, interest rate, not interest-bearing section. Term of the loan for less than 6 months, 6 months according to grade interest rates.
(C) the individual small short-term credit line of credit from 2,000 yuan loan amount does not exceed the average monthly salary of the borrower to 6 times earnings, and the maximum not more than 20 thousand yuan.
(D) individual micro-credit loans generally do not handle short-term extension. Indeed due to force majeure or an accident can not repay the loan on time, lenders agreed upon may be extended once, and the total credit shall not exceed 1 year. Extension before the original contractual rate of interest paid. Extension is of interest, accumulated loans for less than 6 months from the date extended by 6 months of the date listed on lending interest rates: More than 6 months from the date of renewal according to the date of listing 1-year loans interest rates.
According to the relevant provisions of national management of funds, Chinese banks are state-owned enterprises within the fixed capital, in principle, banks must lend to, according to a lower rate of interest; ultra-scale capital needs, from banks to companies and their financial situation lend, generally pay higher interest rates. Borrower for some objective reasons can not repay the loan, re-fill in IOUs, and reviewed and approved by the bank, you can extend the repayment period. But if the loans due to poor management unit of the subjective reasons can not repay the loan, you can not extend the repayment period, but also subject to interest on bank loans or deducted.
China, the specialized banks in the lending business, the following division: China Industrial and Commercial Bank of China and Agricultural Bank of China issued industrial loans, agricultural loans and commercial loans; China Construction Bank loans for infrastructure; Bank of China's RMB loans for foreign trade enterprises and foreign exchange loans; China Investment Bank and the World Bank for the use of other foreign investors to raise.
secured loans refinance loans consolidation loans refinancing home equity consolidation consolidation loans secured loan
What types of loans?
Loans divided by the length of the period, with short-term loans, medium-term loans and long-term loans. Short-term loans, is the term of the loan less than 1 year (including 1 year) loans. Medium-term loans, is the loan period of 1 or more years (not including 1 years) 5 years (including 5 years) loans. Long-term loans, is the term of the loan in 5 years (not including 5 years) than loans.
Loans secured by whether or not broken into credit and secured loan. Credit, is based on the borrower's good or bad credit loans to the borrower, not find a "guarantor", and no other guarantees. Secured loan, is the law by the borrower or third party guarantees and loans. Including guaranteed loans, secured loans, mortgage, pledge loans. Guaranteed loans, mortgage or pledge loans are defined as the "Guarantee Law of the PRC" means the provisions of the guarantee, mortgage or pledge form means loans. Such as personal housing loans and automobile loans are to home or car as collateral for secured loans issued.
Rural credit cooperatives, according to the loans targeted to their specific purposes, mainly in rural business loans, consumer loans, student loans, real estate loans, household loans, agricultural loans and other economic organizations loans.
First, self-loans, entrusted loans and certain loans:
1, self-loans, the lender is a legitimate way of raising funds own the loans, the risk borne by the borrower by the lender to recover the principal and interest.
2, entrusted loans, is by government departments, enterprises, institutions and individual clients to fund the loan (the trustee) to determine the loan according to the principal object of use, the amount of term, interest rates paid on behalf of, supervision of and assist in recovery of loans. The lender (the trustee) only charge a fee, do not take credit risk.
3, specific loan is approved by the State Council and the potential loss of loans to take appropriate remedial measures, instructed state-owned commercial bank loans.
Second, short-term loans, medium-term loans and long-term loans:
1, short-term loans, is the term of the loan less than 1 year (including 1 year) loans.
2, medium-term loans, is the term of the loan in one year (not including 1 year) 5 years (including 5 years) loans.
3, long-term loans, is the term of the loan in 5 years (not including 5 years) than loans.
Third, credit loans, secured loans and bills discounted:
1 credit, refers to the borrower's credit loans.
2, secured loan, is the guaranteed loans, mortgage, pledge loans.
Guaranteed loans, is in accordance with "Guarantee Law of the People's Republic" of guarantees provided to third parties promise the borrower can not repay loans, according to contractual commitments to ensure Ze Ren Yi Ban or joint and several liability Erfa Fang loans.
Mortgage loans are defined as the "Guarantee Law of the PRC" means the provisions of the mortgage to a borrower or a third person's property as collateral for loans.
Pledge loans are defined as the "Guarantee Law of the PRC" means the provisions of the pledge by the borrower or a third person's personal property or property rights as the quality of the loans.
3, bank discount, the lender is the borrower for the purchase of commercial paper outstanding way of loans.
Second, the loan term, interest rate
(A) short-term credit personal loans small period of 1 year (inclusive).
(B) of the small short-term credit personal loan interest rate prescribed by the PBC in accordance with the implementation of short-term lending rate, the floating rate in accordance with the relevant provisions of the PBC. In the case of the loan interest rate adjustments, enforcing contracts, interest rate, not interest-bearing section. Term of the loan for less than 6 months, 6 months according to grade interest rates.
(C) the individual small short-term credit line of credit from 2,000 yuan loan amount does not exceed the average monthly salary of the borrower to 6 times earnings, and the maximum not more than 20 thousand yuan.
(D) individual micro-credit loans generally do not handle short-term extension. Indeed due to force majeure or an accident can not repay the loan on time, lenders agreed upon may be extended once, and the total credit shall not exceed 1 year. Extension before the original contractual rate of interest paid. Extension is of interest, accumulated loans for less than 6 months from the date extended by 6 months of the date listed on lending interest rates: More than 6 months from the date of renewal according to the date of listing 1-year loans interest rates.
Early repayment can save interest payments
Early repayment can save interest payments, depends on a few days in advance. Because the bank's interest rate is calculated by 360 days, while there 365 days a year. Therefore, for a 1-year loan, if you repay early, the actual number of days to make loans less 360 days, you can save interest payments; but the actual number of days to make loans to more than 360 days, you've been framed to pay interest to the.
In 2006, Miss Jiang real estate mortgage to the bank with a sum of 500,000 yuan by the 1-year consumer loan, interest rate 7.254% (in the one-year base sacrifice??? .58% Based on the floating of 30%) loans at March 29, 2007 expiration. In order to save interest expense, she was ahead of schedule on March 28 this year, the return of the 50 million loans. After repayment, Miss Jiang to go home for a carefully considered, found the problem, it seems that the banks receive the interest. Even if due for payment, interest has only 36,270 yuan, can take up a day early repayment of bank funds less a day, but also to pay interest? Later, Miss Jiang TEL questioning bank did know prepayment, but also at a disadvantage. The original bank that: 1-year loans, the implementation of "one-time pay off the loan principal and interest" repayment practices: loans due for payment, interest at a "loan principal × interest rate" is calculated; loans early repayment, according to "loans Loan principal × rate × loans on actual number of days "of interest. Banks on interest rates is calculated as: annual interest rate ÷ 360 天. The provisions of the bank, Miss Jiang on March 29 if the loans repay the loan when due, then the banks calculate the interest due for payment by, the formula is as follows: 500 thousand yuan loan principal × interest rate 7.254% × 1 year = 36 270 element. And Miss Jiang March 28 payment, bank loans according to the actual number of days 364 days of computing interest, calculated as follows: 500 thousand yuan loan principal × (annual interest rate of 7.254% ÷ 360) × actual credit days 364 × 1 = 36,582 yuan in . Among them, the Japanese interest rate = annual interest rate of 7.254% ÷ 360 such a calculation, Miss Jiang also pay an early repayment of interest is clearly 312 yuan (36,582 yuan -36,270 dollars), is really a very bad situation. Miss Jiang's disadvantage experience taught us a lesson: for a 1-year loans, prepayment does not necessarily save interest expense. Early repayment can save interest payments, depends on a few days in advance. Because the bank's interest rate is calculated 360 days, while there 365 days a year, this difference between the 5 days; borrowing actual number of days 360 days, is the early repayment and interest payments due repayment of the balance of the same point. So, if you repay in advance, so that the actual number of days fewer loans 360 days, you can save interest payments; the contrary, if the prepayment, the actual number of days to make loans to more than 360 days, you've been framed in more pay interest on the. Therefore, the seemingly simple matter of return of loans, in fact, much hidden knowledge, not be underestimated, nor can not be taken for granted. Understand the repayment of the "true meaning", and you will save money for your bank to make the lowest cost of borrowing.secured loans refinance loans consolidation loans refinancing home equity consolidation consolidation loans secured loan
In 2006, Miss Jiang real estate mortgage to the bank with a sum of 500,000 yuan by the 1-year consumer loan, interest rate 7.254% (in the one-year base sacrifice??? .58% Based on the floating of 30%) loans at March 29, 2007 expiration. In order to save interest expense, she was ahead of schedule on March 28 this year, the return of the 50 million loans. After repayment, Miss Jiang to go home for a carefully considered, found the problem, it seems that the banks receive the interest. Even if due for payment, interest has only 36,270 yuan, can take up a day early repayment of bank funds less a day, but also to pay interest? Later, Miss Jiang TEL questioning bank did know prepayment, but also at a disadvantage. The original bank that: 1-year loans, the implementation of "one-time pay off the loan principal and interest" repayment practices: loans due for payment, interest at a "loan principal × interest rate" is calculated; loans early repayment, according to "loans Loan principal × rate × loans on actual number of days "of interest. Banks on interest rates is calculated as: annual interest rate ÷ 360 天. The provisions of the bank, Miss Jiang on March 29 if the loans repay the loan when due, then the banks calculate the interest due for payment by, the formula is as follows: 500 thousand yuan loan principal × interest rate 7.254% × 1 year = 36 270 element. And Miss Jiang March 28 payment, bank loans according to the actual number of days 364 days of computing interest, calculated as follows: 500 thousand yuan loan principal × (annual interest rate of 7.254% ÷ 360) × actual credit days 364 × 1 = 36,582 yuan in . Among them, the Japanese interest rate = annual interest rate of 7.254% ÷ 360 such a calculation, Miss Jiang also pay an early repayment of interest is clearly 312 yuan (36,582 yuan -36,270 dollars), is really a very bad situation. Miss Jiang's disadvantage experience taught us a lesson: for a 1-year loans, prepayment does not necessarily save interest expense. Early repayment can save interest payments, depends on a few days in advance. Because the bank's interest rate is calculated 360 days, while there 365 days a year, this difference between the 5 days; borrowing actual number of days 360 days, is the early repayment and interest payments due repayment of the balance of the same point. So, if you repay in advance, so that the actual number of days fewer loans 360 days, you can save interest payments; the contrary, if the prepayment, the actual number of days to make loans to more than 360 days, you've been framed in more pay interest on the. Therefore, the seemingly simple matter of return of loans, in fact, much hidden knowledge, not be underestimated, nor can not be taken for granted. Understand the repayment of the "true meaning", and you will save money for your bank to make the lowest cost of borrowing.secured loans refinance loans consolidation loans refinancing home equity consolidation consolidation loans secured loan
Mortgage loans credit collateral loan portfolio
1, collateral: the borrower himself or a third person's own property as housing, already have "real estate license." 2, mortgage process: (1) holding title deed to the property the premises of the Housing Authority asked the county where the property can apply for registration of real estate mortgages; (2) can be handled by the exact answer to the "property card" and related personal information to build the bank's management agency in consumer loans mortgage loan application process; (3) CCB property assessment agency designated to provide the applicant's own assessment of property and real estate assessment report submitted by assessing the value of 3 ‰ to charge a fee; (4) China Construction Bank to help applicants apply for property insurance, loan approval procedures and the appropriate procedures, the maximum credit line of not more than 70% of assessed value, and the examination and approval of contracts and mortgage contracts loans; (5) real estate license holders borrower, loan contract to the county where the premises of the bureau in real estate mortgage registration, authority costs borne by the borrower; (6) mortgage registration completed, the CCB before lending to borrowers in the personal savings account. Second, collateral loans 1, pledge of property: the borrower himself or a third person holds the right to legal documents, including: (1) securities. Including the Beijing Branch of the agency issuing financial bonds, AAA grade corporate bonds, government bonds (laws and regulations can not be other than a pledge); (2) Beijing Branch of the agency issuing the certificated treasury bonds (issued after 1999); (3) Beijing Branch of the individual issued the foreign currency deposit receipts and periodic one passbook; (4) Beijing branch approval of other legal, valid certificate authority. 2, pledge process: (1) certificate holders the right to a personal management agency for an integrated consumer loan collateral loans; (2) verify the pledge of documents of title, and eligible for pledge registration; (3) CCB receipt of documents of title pledge to carry out procedures for loan approval, loan amount no more than the right to pledge 90% of voucher denominations and with the approval of a loan applicant agreed to sign the loan contract and the pledge contract; (4) China Construction Bank loans to borrowers personal savings account. Third, combination loans Borrowers can draw the right mortgage or pledge certificate for individuals with a comprehensive consumer loans, lines of credit secured by two methods allow the cumulative amount of loans, loan process ibid. Fourth, credit 1, borrowers apply for individual credit in my comprehensive consumer loans, the CCB to determine the creditworthiness of the borrower under the credit line of up to 600,000 yuan. 2, loan applicants to provide information (are able to provide the following information is provided); (1) valid ID card, residence booklet, military officer. (2) where the certificate of credit investigation letter, including vocational nature, staff stability. (3) Personal Consolidated income proof. (4) individual work permits and payroll records or pay on behalf of the list. (5) University diploma, professional title certificate. (6) real estate license or a rental contract that the housing situation. (7) marital status and children cases. (8) The recent water, electricity, gas, telephone charges and any proof of a bill or neighborhood. (9) with CCB-related conditions and other personal loans that business. (10) Personal Dragon card and the last six months of the bill. (11) other financial assets that (such as stocks Jiaoge Dan, savings, personal insurance, funds, bonds, etc.) (12) according to the customer the actual situation, the need for other information. 3, client manager according to the borrowers credit ratings to determine credit lines and the corresponding period for loan approval procedures, loan amount does not exceed the corresponding amount of the credit rating to allow issued, issued with the approval of the applicant agreed to sign the loan contract. 4, China Construction Bank loans to borrowers personal savings account. Credit Loan Company Case Zhong'an Credit Venture Capital Co., Ltd. is a dedicated individual businesses and small business secured loans refinance loans consolidation loans refinancing home equity consolidation consolidation loans secured loanowners and individuals to provide quick and easy, mortgage-free, non-secured small business loans. Since 2004 the company began to explore mortgage-free, non-secured small loans, total loans the country has the largest micro-credit services to customers at most. World Bank, China Development Bank, Bank of China, Construction Bank commissioned the Chinese Shun business loans, in Shenzhen, Beijing, Hebei, Fujian, Guangdong, Sichuan, Zhejiang, more than dozens of convenient locations, nearly a thousand employees specializing in small loans . Zhong'an Credit to provide customers with quick and easy, friendly, efficient and affordable small loans. Specialized services not available from traditional bank customers access to microfinance. Zhong'an Credit - Personal Loans, fast and easy, free mortgage, free guarantee. Loans no win, no charge. Small Business Loans: The Shun industry for small business owners to provide fast and convenient mortgage-free, non-guaranteed loans. Whether operating a small company or stalls, as long as business for more than six months can apply for loans up to 30 million yuan. Usually within two to three days in loans. Personal Loans: The Shun industry to provide quick and easy for the working-class personal loans. Has a large number of locations, with friendly and courteous staff to help the whole loan process. Can easily apply for loans online! Up to 150,000 yuan or more loans, loan term by 12 months or 18 months. Usually the same day in loan applications. Revolving credit loans: China and Angola "cash card" loans. Customers can pre-limits, easy repayment or re-credit, without having to pay liquidated damages! This often requires additional cash payments to customers and the need for flexible, readily available for customers now is the best choice.
Loan credit secured loan guarantee as security for loans mortgage loans home loans auto loan personal Self-commissioned Loan Loan
Loan credit secured loan guarantee as security for loans mortgage loans home loans auto loan personal Self-commissioned Loan Loan
Loans to banks or other financial institutions under certain conditions, such as interest rate and loan money must be returned to a form of credit funds. Generalized loans refer to loans, discounted loans and other funds out of the general term. The form of loans to banks by the concentration of money and running out of money funds, to expand production to meet society's need for supplementary funds to promote economic development; the same time, bank loans can be a result of interest income, increase their own accumulation.
Processing channels and processing procedures
1. Go through channels: personal loan business by China Construction Bank opened a branch handle personal loan business, in some cities, China Construction Bank, established professional automotive financial services center handled personal loan business loans personal loan center is a professional organization accepted.
2. Apply process:
① accepted. Handler introduced to customers the amount of loans for personal consumption CCB eligibility criteria, duration, interest rates, guarantees, payment methods, handling procedures, and breach of contract management and the need for borrowers to bear the cost, etc., on the borrower's loan conditions preliminary eligibility and application materials.
② investigation. Investigators according to relevant regulations, to take reasonable means to the customer to submit materials to investigate the authenticity of the content, rate the applicant's repayment capacity and repayment will.
③ approval. Approval by the right person according to the customer's credit rating, mortgage situation, pledge the situation and guarantee that the final approval of the customer to determine the amount and the amount of integrated credit period.
④ release. In the implementation of the loan conditions. Customer demand in accordance with paragraph at any time apply to the bank the amount spent.
⑤ post-loan management. Loan OK to be Anzhao management of the loans the borrower and the guarantor Guiding pair of Shouru conditions, the use of loans, arrived (quality) value of charge Wu Deng Bian Hua Ji Xing Neng status supervise and inspect the results of Yao You check the written record and archive Baocun. Way to implement security or credit should guarantor or the borrower's ability to monitor credit and compensation, and require the borrower and the guarantor to provide assistance.
⑥ loan recovery. The loan contract, according to both lenders and borrowers in the repayment plan, repayment date, the account from the agreed repayment deducted. Loan borrowers can also go to ICBC business office to repay the loan
Loans to banks or other financial institutions under certain conditions, such as interest rate and loan money must be returned to a form of credit funds. Generalized loans refer to loans, discounted loans and other funds out of the general term. The form of loans to banks by the concentration of money and running out of money funds, to expand production to meet society's need for supplementary funds to promote economic development; the same time, bank loans can be a result of interest income, increase their own accumulation.
Processing channels and processing procedures
1. Go through channels: personal loan business by China Construction Bank opened a branch handle personal loan business, in some cities, China Construction Bank, established professional automotive financial services center handled personal loan business loans personal loan center is a professional organization accepted.
2. Apply process:
① accepted. Handler introduced to customers the amount of loans for personal consumption CCB eligibility criteria, duration, interest rates, guarantees, payment methods, handling procedures, and breach of contract management and the need for borrowers to bear the cost, etc., on the borrower's loan conditions preliminary eligibility and application materials.
② investigation. Investigators according to relevant regulations, to take reasonable means to the customer to submit materials to investigate the authenticity of the content, rate the applicant's repayment capacity and repayment will.
③ approval. Approval by the right person according to the customer's credit rating, mortgage situation, pledge the situation and guarantee that the final approval of the customer to determine the amount and the amount of integrated credit period.
④ release. In the implementation of the loan conditions. Customer demand in accordance with paragraph at any time apply to the bank the amount spent.
⑤ post-loan management. Loan OK to be Anzhao management of the loans the borrower and the guarantor Guiding pair of Shouru conditions, the use of loans, arrived (quality) value of charge Wu Deng Bian Hua Ji Xing Neng status supervise and inspect the results of Yao You check the written record and archive Baocun. Way to implement security or credit should guarantor or the borrower's ability to monitor credit and compensation, and require the borrower and the guarantor to provide assistance.
⑥ loan recovery. The loan contract, according to both lenders and borrowers in the repayment plan, repayment date, the account from the agreed repayment deducted. Loan borrowers can also go to ICBC business office to repay the loan
2010年4月2日星期五
Thin white-collar workplace inventory method
Introduction: struggles in the workplace while others dance fitness weight loss with first-hand experience by the answer: attitude adjustment, the correct treatment of growing worries, this is an important factor in winning the work fun.
Thin coup 1: stair climbing
It is measured when a person sit-energy consumption of 100 kcal / hour, a walk of 200 kcal / hour, swimming for the 550 kcal / hour, while the running-tread staircase of 1000 kcal / hour, such a large energy consumption , after all, a panacea for weight loss and fitness.
Expert Comment: climbing stairs than walking or running on flat ground several times the amount of exercise, it is both running and jumping ability, two areas, also has the role of magnetic force against the earth, so climb the stairs not only can increase hip range of activities, lower limb muscles can also ligament and tendon flexibility to be trained in order to achieve the effect of strengthening sinews and bones.
Thin coup 2: tea
Tea contains large amounts of dietary fiber, and dietary fiber can not be digested and remain in the womb long time, there will be belly full of feeling, more importantly, it can burn fat, this is the key role of vitamin B1 . Tea rich in vitamin B1, is full of fat burning and energy into the necessary material.
Everyone knows that high-fat, high calorie food is the enemy of women keep S curve, and many white-collar (white-collar blog, white news, white-speak) is also frequently wine and dine, there are a lot of friends that drink tea every day, every days will also drink a tea bag weight loss, long-term bowel will be much better off, people feel very relaxed.
Thin coup 3: Using office chairs Fitness
Step 1: upper body sitting upright in the chair, his arms drooping. Previously the head backward, left and right tilt, and then turn right to left circle, and the second way around, three times each turn.
Step 2: arms toward the body, the fingers cross, palm outward, as extension, chest started to maintain the position 3-5 seconds.
Step 3: helping hands stay on the table. Straight legs close together, the whole body and desktop form a diagonal, arms down and hold up the body flexion and extension, continuous support 15 to 20 times.
Note: The time an office, back and shoulder fatigue. Appropriate use of office furniture health, can eliminate fatigue, improve the efficiency and reducing the excess fat arm to keep pretty figure.
Thin coup 1: stair climbing
It is measured when a person sit-energy consumption of 100 kcal / hour, a walk of 200 kcal / hour, swimming for the 550 kcal / hour, while the running-tread staircase of 1000 kcal / hour, such a large energy consumption , after all, a panacea for weight loss and fitness.
Expert Comment: climbing stairs than walking or running on flat ground several times the amount of exercise, it is both running and jumping ability, two areas, also has the role of magnetic force against the earth, so climb the stairs not only can increase hip range of activities, lower limb muscles can also ligament and tendon flexibility to be trained in order to achieve the effect of strengthening sinews and bones.
Thin coup 2: tea
Tea contains large amounts of dietary fiber, and dietary fiber can not be digested and remain in the womb long time, there will be belly full of feeling, more importantly, it can burn fat, this is the key role of vitamin B1 . Tea rich in vitamin B1, is full of fat burning and energy into the necessary material.
Everyone knows that high-fat, high calorie food is the enemy of women keep S curve, and many white-collar (white-collar blog, white news, white-speak) is also frequently wine and dine, there are a lot of friends that drink tea every day, every days will also drink a tea bag weight loss, long-term bowel will be much better off, people feel very relaxed.
Thin coup 3: Using office chairs Fitness
Step 1: upper body sitting upright in the chair, his arms drooping. Previously the head backward, left and right tilt, and then turn right to left circle, and the second way around, three times each turn.
Step 2: arms toward the body, the fingers cross, palm outward, as extension, chest started to maintain the position 3-5 seconds.
Step 3: helping hands stay on the table. Straight legs close together, the whole body and desktop form a diagonal, arms down and hold up the body flexion and extension, continuous support 15 to 20 times.
Note: The time an office, back and shoulder fatigue. Appropriate use of office furniture health, can eliminate fatigue, improve the efficiency and reducing the excess fat arm to keep pretty figure.
Health Wellness "little more than eight 8"
One more chew Eat less.
Full chewing can promote digestion, the elderly weak spleen and stomach, more attention should be paid more to chew, so eat the food in order to be well absorbed. Eat less that frequent meals, especially dinner, should not be fed.
Second, and more vegetables and less meat.
Ancient medical claims in order to light the main diet, especially the elderly, to the "grain for the support, and five fruits", usually eat more fresh vegetables, the supply of human nutrition can also help to maintain smooth stool. Appropriate reduction in meat foods, avoid eating too much fat, can reduce high blood pressure, high cholesterol and other diseases.
Full chewing can promote digestion, the elderly weak spleen and stomach, more attention should be paid more to chew, so eat the food in order to be well absorbed. Eat less that frequent meals, especially dinner, should not be fed.
Second, and more vegetables and less meat.
Ancient medical claims in order to light the main diet, especially the elderly, to the "grain for the support, and five fruits", usually eat more fresh vegetables, the supply of human nutrition can also help to maintain smooth stool. Appropriate reduction in meat foods, avoid eating too much fat, can reduce high blood pressure, high cholesterol and other diseases.
Beauty Health Medical
INGREDIENTS(成份) 中文标示
A
Acyclovir 带状泡疹、水痘 药物治疗成份，需医生处方
Adapalene 维他命A酸衍生物 治疗痤疮有效成份，需医生处方
Adenosine Triphosphate(ATP) 腺三磷酸 使皮肤代谢正常
Albumin 白蛋白 水溶性蛋白质，为中性缓冲液，是一种酵素
Alcohol 酒精 溶剂
Alfalfa Extract 紫花苜蓿萃取 含多种氨基酸及红萝卜素，可抗老化
Algae Extract 海藻萃取液 抗氧化
Algisium C 是一种生物保湿剂，可以修护肌肤并使更新暗沉的肤质，延缓老化的速度；其保湿性可维持8-12小时
Alkyl Benzoate 烃基安息香酸盐 油脂剂，作为基质
Allantoin 尿囊素 抗炎症、促进细胞修护
Almond 杏仁油 天然油脂，用作基质
Aloe Extract 芦荟萃取 镇静、保湿、滋润、抗敏、镇静、去红肿
Aloe Vera 芦荟 镇静、保湿、滋润、抗敏、镇静、去红肿
Alpha Hydroxy(AHA) 果酸 最常用的为甘醇酸(Glycolic Acid)及乳酸(Lactic Acid)，主要功效在促进皮肤新陈代谢，具有角质微剥的功效
Alpha Lipoic Acid 脂肪酸，硫辛酸 抗氧化
Alpha Tocopheryl 维他命E 抗氧化
Aluminum Chlorohydrate 氢氯酸铝 可抑制身体出汗，常来用作止汗剂成份
Amino Acid 天然胺基酸 防止水份过度的流失，并使肌肤温和不紧绷，护肤、供给肌肤营养
Aminocaproic Acid 胺基己酸 预防肌肤敏感现象
Ammonium Glycyrrhizate 甘草酸胺 保湿、预防过敏
Amniotic Fluid 羊膜液 含丰富肌肤所需的胺基酸
Angelica Sinensis Diels Extract 当归萃取 具有行气活血功效，可促进肌肤毛细微管血液循环
Angelica 白芷 当归属，含天然维他命C及预防敏感作用
Angiosperm Extract 被子植物酸 具有防止发炎及抗过敏效果
Anhydroalkannin 去水紫草烯 紫草萃取精华，可抗炎、抗菌、活血、去瘀
Anthranilates 化学性防晒成分
Apple Extract 苹果萃取 含有Vit-C等美容成份，另具有爽肤、镇静消毒作用
Apricot Bead 杏桃颗粒 通常加在磨砂膏中，用来去除皮肤老废角质
Apricot Kernel Oil 杏核油 富含矿物质和维他命，是天然的保湿剂，特别适合敏感性肤质
Aqua 水，溶液 基质
Arbutin 熊果素 淡化已形成的黑色素，能安定自由基、避免肌肤老化， 卫生署公布有效美白成份之一
Arnica Extract 山金车萃取 活血散瘀
Arnica Oil 山金车油 可促使伤口愈合、消毒、消肿、防止瘀斑出现
Ascorbic Acid 维他命C 抗氧化
Ascorbyl Glucoside(AAG) 维他命C甘醣 维他命C衍生物，为卫生署公布有效美白成份之一
Ascorbyl Pamitate 维他命C棕榈酸盐 一种脂溶性维他命C，是安定的维他命C
Ascorbyl Stearate 酯化C 安定的维他命C
Ascorbyl Tetraisopalmitate 脂溶性维他命C 安定的维他命C
Astragalus Membranaceus(Fisch) Bunge Extract 膜荚黄耆萃取
提高肌肤活力，效用比人蔘更佳
Avobenzone 化学性防晒成分，属Parsol 1789类，罕见过敏反应
Avocado Oil 骆梨油 保湿剂、含大量维他命A、C、D、E
Azelaic Acid 壬二酸，杜鹃花酸 抑制黑色素，抗菌消炎，用来治疗痤疮的温和成份
B
BaSO4 硫酸钡 物理性防晒成份
Babassuamidopropylamine 泡沫增强剂
Bay Extract 月桂萃取 收敛毛孔、抑制油份分泌
Bearberry Extract 熊果萃取 含食子单宁、葡萄糖甘等成份，具收敛、杀菌消毒、美白等功效
Bees Wax 蜜蜡 基质，可增强产品浓度
Bentonite 膨润土，皂土 有很好的清洁和吸附效果，亦具有抑制脸部油脂分泌的功效，用来调置面膜清洁皮肤，或是用作产品基质
Benzalkonium Chloride 氯化苯二甲烃铵 抗菌、防腐
Benzoic Acid 安息香酸，苯甲酸 防腐剂
Benzophenones(Benzophenone-3) 二苯甲酮衍生物 化学性防晒成分，可防御UVA，属苯甲酮类
Benzoyl Alcohol 产品赋型剂，作为基质
Benzoyl Peroxide 过氧化苯盐 是一种氧化剂，有抑菌的效果，特别是对引起青春痘的痤疮杆菌这种厌氧菌特别有效
Bergamot Mint Extract 佛手柑萃取 收敛毛孔、平衡油脂分泌
Betula Alba Extract 桦木芽萃取 抗菌
Betula Extract 桦木萃取 抗菌、收敛、净化作用
Bilberry Extract 覆盆子萃取 消毒、收敛、消脂、排水
Bio-Collagen 生化胶原蛋白 保湿
Bio-Enzyme 酵素，脢 促进细胞新陈代谢
Biocatalyst 酵素 促进细胞新陈代谢
Biopeptide 生化蛋白质 刺激胶原蛋白合成，预防老化，有助组织重建
Biopeptides 双性缩胺酸 促进胶原蛋白、弹力蛋白的产生，改善松弛
Biota Orientalis(L.) Endle Extract 侧柏叶萃取 镇定肌肤
Birch Tree Extract 桦树萃取 消毒、收敛，增加皮肤愈合力
Bisabolo Extract 没药萃取 收敛、消毒杀菌加快伤口愈合
Bisabolol 甜没药醇 防刺激剂，提取自洋甘菊
Bletilla Striata Reichenbach Extract 白芨萃取 含天然维他命C，可减少黑色素沉淀
Borage Oil 琉璃苣油 天然油脂，含丰富的维他命Ｅ、Ｆ，修补凹洞
Bromclain 菠萝酵素 代谢老旧细胞角质
Burdock Root Extract 牛蒡根萃取 调节皮脂分泌、收敛作用
Burdock 牛蒡 消毒、预防粉刺、促进细胞生长、抗发炎
Butyl Methoxydibenzoylmethane 化学性防晒成分，属Parsol 1789类，罕见过敏反应
Butyl Paraben 丁酯 防腐剂
Butyl Stearate 硬脂酸 赋型剂、基质
Butylene Glycol 丁二醇 保湿
Butylhydroxyanisol 羟基茴香二丁酯 酸化防止剂
C
C12-15 Alkyl Benzoate 赋型剂、基质
CO-Q10 辅脢 抗氧化，可以消灭自由基，维持细胞膜的完整和稳定
Calcium Pantetheine Sulfonate 维他命B5衍生物，为紫外线吸收剂(化学性防晒成份)
Calcium Pantothenate 泛酸钙，维他命B5 抗氧化，促进代谢
Calendula Extract 金盏花萃取 具舒缓、安抚敏感肌肤等功效
Camellia Sinensis Extract 山茶萃取，茶多酚 抗氧化
Camphor 樟树 抗痒、防过敏
Candelilla Wax 墈地里拉蜡 浓度增强剂
Caprylic/Capric Triglyceride 三甘油酯 皮肤润滑剂
Carbomer 高份子胶 浓度增强剂
Carbopol 羧乙烯聚合物 赋型剂
Carboxymethyl Chitin 几丁质衍生物 来自虾蟹外壳，为一高分子量之粘多醣体，具有保湿作用
Carnauba Wax 棕榈蜡 增加光泽感
Carrageenan 鹿角菜胶 保湿
Carrot Oil 胡萝卜油 可促使伤口愈合、镇痛、滋养、消毒、抗老化
Carthamus Tinctorius L. Extract 红花萃取 活化肌肤
Castor Oil 蓖麻油 含蓖麻油酸(Ricinoleic acid)，可润滑、保湿
Centella Asiatica 老公根 紧实肌肤、增加弹性
Ceramide 3 分子钉 保湿剂
Ceramide 神经醯胺、细胞质脂 保湿剂
Ceresin 矿蜡 乳化剂
Ceteareth-12 乳化剂
Ceteareth-20 乳化剂
Cetearyl Alcohol 十六硬脂酸酯 乳化剂
Cetyl Acetate 鲸蜡醋酸盐 油脂剂
Cetyl Alcohol 鲸腊硬酯醇、十六醇 乳化剂
Cetyl Dimethicone 鲸蜡硅氧烷 油脂剂
Cetyl Palmitate 棕榈酸鲸腊酯 乳化剂
Chamomil Oil 洋甘菊油 抗自由基、舒缓
Chamomile Extract 洋甘菊萃取 含丰富的甘菊蓝，具有防止皮肤发炎的功效，亦具有清洁、安定肌肤的效果
Chlorella Extract 绿藻萃取 滋润、保湿
Cholecalciferol 维他命D3，胆骨化醇 内用为增加钙质吸收，外用可治疗牛皮癣
Cholesterol 胆固醇 乳化剂
Cinnamate 桂皮酸盐类 化学性防晒成分，也是目前较安全的成份
Cinnamon Essential Oil 肉桂精油 防腐、杀菌
Cinoxate 化学性防晒成分，属桂皮酸盐类
Citric Acid 柠檬酸 防腐剂及平衡酸碱度
Citric Alcohol 柠檬醇 乳化剂
Citric Oil 柠檬油 润肤
Citron 法国香柠檬 具提神醒肤、消除肌肉疲劳以及对毛孔粗大有收敛效果等作用
Citronella Essential Oil 香茅精油 清洁、杀菌
Citrus Extract 柑橘萃取 含有维他命C，具有防菌效果，可以控制油脂分泌作用及防止雀斑、黑斑的形成
Coal Tar 煤焦油 常用来做为唇膏的染料
Cocamidopropyl Betaine 烷基醯胺类 界面活性剂，起泡剂，清洁用
Cocamidopropyl Hydroxy Sultane 烷基醯胺类 界面活性剂，起泡剂，清洁用
Cocoamide DEA 非离子界面活性剂 清洁用品主要成份。当Cocoamide DEA和其它复合物结合时，可能形成亚硝胺，易为皮肤吸收，并会致癌
Coconut Diethanolamide 烷醇醯胺 界面活性剂，起泡剂，清洁用
Coenzyme Q10 辅脢 抗氧化，可以消灭自由基，维持细胞膜的完整和稳定
Coix Seed 薏米 预防黑色素沉淀
Collagen 胶原蛋白 可以支撑结缔组织，含有19种胺基酸，具有良好的吸水性，其主要功能是增加组织的韧性，并维持整体组织结构的完整性；外用主要功能为「保湿」
Comfrey Extract 紫草萃取 含尿囊素，具舒缓皮肤、刺激新细胞的生长的功效
Common Licorice Extract 甘草萃取液 抗敏、镇静、去红肿
Coneflower Extract 矢车菊萃取 抗发炎，适用于敏感肤质
Corallina Officalis 红藻 保湿
Cress 水芹 消肿，促使伤口愈合，清洁净化、收敛肌肤
Cucumber Extract 小黄瓜萃取 含丰富维生素C，保湿、滋润、美白、活化肌肤
Cyanocobalamin 氰钴胺，维他命B12 细胞代谢
Cyclomethicone 环甲硅脂 不含油的润滑剂，能给予肌肤瞬间柔嫩肤触，适合用作妆前饰底成份
D
D.N.A.(Deoxyribonucleic Acid) 去氧核醣核酸 促进新陈代谢、保湿、预防老化
Dehydroacetic Acid 脱氢醋酸 防腐剂
Diazolidinyl Urea 尿素醛 防腐剂，会释放甲醛(Formaldehyde)，会刺激皮肤，长期使用有致癌之虞
Dibutyl Phthalate(DBP) 磷苯甲酸二丁酯 塑化、润滑、驱虫，但是会造成新生儿天生缺陷，故已禁止使用
Dibutylhydroxytoluene 羟基甲苯二丁酯 是酸化防止剂
Dicaprylyl Ether 增加使用触感，使肌肤光滑
Dichloroacetic Acid 二氯醋酸 刺激麦拉宁色素由角质层剥落
Diisopstearate 二异硬脂酸酯 硬脂酸的衍生物，润滑剂
Diisostearyl Malate 基质
Dimethicone Copolyol 硅氧烷 乳化剂，有润肤功效
Dimethicone 保湿、润泽，可在皮肤上形成一层薄膜，增加皮肤触感
Dimonium Chloride Phosphate 乳化剂
Dioxybenzone 化学性防晒成分，属苯甲酮类
Dipotassium Glycyrrhiziate 甘草酸钾 预防过敏
Disodium EDTA 乙二胺四乙基二钠 水质处理，有抗氧化功效，当作防腐剂使用，亦可防止钙镁离子沉淀
Disodium Laureth Sulfosuccinate 磺基琥珀酸酯 一种界面活性剂，清洁用起泡剂
Distilled Water 蒸馏水 基质，产品调制时所需的水份
Dmdm Hydantoin 防腐剂，会释放甲醛(Formaldehyde)，会刺激皮肤，长期使用有致癌之虞
E
Edera Extract 长春藤 具抗氧化作用代谢废物、排泄毒素
Elastin 弹力素 增加弹性、保湿
Elder 接骨木 温和紧肤、美白袪斑作用；兼能纾缓颜面神经紧张，舒缓肌肉僵硬
Ergocalciferol 维他命D2，骨化醇 刺激细胞再生
Erucamidopropyl Hydroxy Sultane 起泡剂
Ethyl Paraben 乙酯 防腐剂
Ethylene Diaminetetra Acetic Acid(EDTA) 乙烯二胺四乙酸 产品溶液沉淀防止剂、硬水软化剂
Ethylene 乙烯 一种植物性贺尔蒙，可促进细胞活化
Ethylhexyl Methoxycinnamate 乙基乙基一甲氧基肉桂酸盐 化学性防晒成份
Euphrasia Officinalis Extract 小米草萃取 收缩，镇静
Evening Primerose Oil 月见草油、夜樱草油 促进肌肤血液循环，并提供保湿
F
FD&C、D&C 色素 常常含在一些化妆品、染发剂及去除头皮洗发精里
Fatty Alcohol 脂肪醇混晶 一种界面活性剂，清洁起泡剂
Fennel 茴香 对清洁、紧肤、毛孔粗大、防皱有很好的效果，并可排出多余的水份与无法吸收之代谢物
Ferulic Acid 阿魏酸 抗氧化
Floraesters 10 脂衍 Jojoba萃取液，保湿、预防松弛
Formaldehyde 甲醛 防腐剂，有致癌之虞，已被禁止使用
Forsythia Suspensa (Thunb.) Vahl Extract 连钱草萃取 消肿
Fragrance 香精 产品添加之化学香味
G
Geranium Essential Oil 天竺葵精油 收敛、抑菌，能调节内分泌腺
Germaben Ⅱ 防腐剂
Ginger 姜 促进细胞生长、活化肌肤
Ginkgo Biloba Leaf Extract 银杏叶萃取 抗氧化、抗紫外线、增加血液循环、促进细胞再生
Ginkgo Biloba 银杏 预防细胞老化，增进新陈代谢，并可达白晰效果
Ginseng Extract 人蔘萃取液 滋养、消除疲劳、预防皱纹、促进血液循环等功效
Glycerin 甘油 保湿、滋润肌肤
Glycerol Mono Stearate 单硬脂酸甘油脂 乳化剂
Glyceryl Cocoate 乳化剂
Glyceryl PABA 化学性防晒成分，属对胺基苯甲酸盐类，常致过敏反应，现多不为采用
Glyceryl Polymethacrylate 润滑剂、保湿剂
Glyceryl Stearate 甘油硬脂酸酯 乳化剂
Glycolic Acid 甘醇酸 常用的果酸成份，去除老废角质、增加肌肤新陈代谢
Glycoproteins 醣蛋白 强化细胞修复、代谢能力
Glycyrrhetinic Acid 甘草酸 具良好之防敏感效果，可使眼部肌肤挥别黯沉
Glycyrrhizin Acid 甘草次酸 预防肌肤敏感现象，安抚、舒缓受刺激的肌肤
Grape Seed Extract 葡萄籽萃取 含高成分葡萄多酚，可预防自由基及细胞氧化功能
Grapefruit Essential Oil 葡萄柚精油 调节皮脂分泌，具良好流动性，可增加体内水分代谢
Grapeseed Oil 葡萄籽油 富含维生素，矿物质及蛋白质，抗氧化的效果是维它命C的20倍，维它命E的50倍
Green Tea Extract 绿茶萃取 舒缓、抗自由基
H
Hamamelis 金缕梅 去淤消肿
Hawthorn Extract 山楂萃取 抗发炎
Hazel Leaves 榛叶 促进血液循环，提升细胞含氧量，辅助肌肤代谢，增加肌肤的免疫功能
Hectorite 贺客多力士 乳化剂，是一种含硅酸镁、硅酸锂的粘土
Helichryse Extract 永久花萃取 促进细胞再生
Hispagel 生化醣醛酸 保湿
Homosalate 化学性防晒成分，属水杨酸盐类
Horse Chestnut Extract 马栗树，七叶树萃取 预防发炎，预防微血管曲张
Horsetail Extract 木贼萃取 促进肌肤细胞中胶原蛋白的合成
Hyaluronic Acid 玻尿酸，醣醛酸 属于非油脂性滋润剂，能吸收比本身重量多500-1000倍的水份，在皮肤细胞之间锁住水份
Hyasol 保湿剂
Hybrid Safflower Oil 红花子油 滋润剂
Hydrocotyle Extract 天胡荽萃取 去脂肪，可作为瘦身用途；另可防过敏，增加皮肤愈合力
Hydrogenated Lecithin 氢化卵磷脂 滋润、预防老化
Hydrogenated Polyisobutene 油脂剂，作为基质
Hydrogenated Soy Glyceride 氢化大豆甘油酯 润肤
Hydrolyzed Collagen Protein 水解胶原蛋白 维持肌肤紧实及弹性，分子比胶原蛋白小，较易为皮肤吸收
Hydrolyzed Glycosaminoglycans 滋润、保湿剂
Hydrolyzed Protein 水解蛋白 水解蛋白质，具保湿、增加肌肤弹性
Hydroquinone(HQ) 对苯二酚 高效美白去斑成份，列为药物管制
I
Illuminex 制黑剂，含维他命A、C、E、K
Imidazolidinyl Urea 眯坐丁尿酸 防腐剂，会释放甲醛(Formaldehyde)，刺激皮肤，长期使用有致癌之虞
Iniferine 是一种抗自由基之天然复合物，能抗拒因外来因素之分子与铜离子之结合以避免铜离子之氧化作用而防止黑色素之形成
Iodopropynyl Butylcarbamate 抗菌剂
Iron Oxide 氧化铁 色料
Iso-Flavones 植物性荷尔蒙、异黄素 延缓肌肤老化，减少细纹产生
Isodecane 异癸烷 舒缓(可由大茴香、奶油酸、柠檬油、菩提树油中萃取)
Isohexadecane 异十六烷 增添质感(可由甜胡椒、大茴香、白菖根、芹菜籽、奶油酸、咖啡、茶等萃取)
Isopropyl Alcohol 异丙醇 乳化剂
Isopropyl Myristate 十四酸异丙酯，肉豆蔻盐 化学合成油脂剂，易致暗疮
Isopropyl Palmitate 十六酸异丙酯，棕榈油盐 化学合成油脂剂，易致暗疮
Isositearoyl Hydrolyzed Collagen 氢化骨胶原 润肤
Isostearic Acid 异硬脂酸 饱和脂肪酸，用于调节稠度及外观质感
Isostearyl Alcohol 异十八醇 乳化剂
Ivy extract 常春藤萃取 具去脂，抗水肿，分解脂肪，收敛及镇静作用，促进代谢循环、消除蜂窝组织
J
Jojoba Ester Jojoba酯 滋润、保湿
Jojoba Oil 荷荷芭油 滋润、保湿
K
Kaolin 白陶土 中国土，用做颜料
Ketoconazole 克多可那挫 抗霉菌剂，用来治疗因皮屑芽孢菌感染的脂漏性皮肤炎或头皮屑效果很好
Kiwi 奇异果 内含多种维生素，可使肌肤白晰、活化细胞
Kohakuhi 桑白皮 白晰、淡化斑点
Kojic Acid 曲酸 抑制黑色素形成，使麦拉宁色素代谢正常，卫生署公布有效美白成份之一
Kukui Nut Oil 夏威夷核油 含多种脂肪酸，有极佳的渗透性及滋润效果
L
L-Ascorbic Acid Phosphate Magnesiom Salt N-nydrate(MAP) 维他命C磷酸镁复合物 维他命C衍生物，具有美白功效，为卫生署公布之有效美白成份
L-Ascorbic acid 左旋维他命C 抗氧化作用
Lactic Acid 乳酸 角质软化及保湿作用
Laminaria Digtatitat 海藻萃取液 柔软肌肤、提升肌肤免疫力、加强肌肤弹力与光泽
Laniline Alcohol 蜂蜡醇 天然油脂，可作为基质
Lanolin 羊毛脂 滋润
Lanoline Alcohol 羊毛脂醇 乳化剂
Lappa Extract 牛蒡萃取 预防粉刺、抗菌，抑制头皮屑
Lauroyl Lysine 氨基酸月桂醇酯 一种改质剂，轻滑、柔顺、高亮泽度，除可使粉体较亲油、增强保湿性外，亦可增加产品的稳定性
Lauryl Betaine 界面活性剂，起泡剂
Lauryl Diethanolamide 界面活性剂，起泡剂
Lavender Extract 熏衣草萃取 抗菌、消炎、镇静皮肤
Lecithin 卵磷脂 保湿及抗氧化功能
Lemon Extract 柠檬萃取 美白、滋润、抗炎
Lemongrass Essential Oil 柠檬香茅精油 缓和肌肤不适感、抑菌、消除肌肉酸痛、可作为防菌剂
Lesser Celandine Extract 白屈菜萃取 预防过敏，增加抵抗力
Licorice Extract 甘草萃取 保护敏感肌肤
Licorice Root 甘草根 预防发炎
Ligusticum Chuanxiong Hort Extract 川芎萃取 增加细胞代谢
Lily Extract 百合萃取 镇静、抗炎
Lime Extract 莱姆树萃取 含丰富的植物氨基酸，能活化细胞组织及再生能力
Lime Fruit Extract 莱姆萃取 平衡油脂分泌
Linden Extract 菩提萃取 具安抚、舒缓肌肤功效
Linoleic Acid 亚麻仁油酸，维他命F 不饱和脂肪酸，防止表皮水份流失，滋润皮肤
Lipase 脂肪脢，酵素 增加肌肤新陈代谢
Liposome 微脂体 结构与人体细胞类似，可以非常容易被人体所吸收同时也不会引起副作用，可增加皮肤之保湿平滑性
Liquid Paraffin 液态石腊 润肤
Luffa Cylindrica 丝瓜萃取 保湿、镇静
M
Macadamia Nut Oil 澳洲胡桃油 对皮肤的血液循环及毒素排除有一定的效果，防止自由基生成，抗老化、紫外线
Magnesium Aluminum Silicate 乳化剂安定剂，可加强溶液浓度
Magnesium Ascorbylphosphate(MAP) 维他命C磷酸镁复合物 维他命C衍生物，具有美白功效，为卫生署公布之有效美白成份
Malic Acid 苹果酸 由频果中萃取出来，为果酸的一种，可加速皮肤代谢老废角质
Mallow Extract 锦葵萃取 含丰富的植物氨基酸，能活化肌肤细胞组织及再生能力
Marigold Oil 金盏花油 抗发炎、清洁、收敛、活血散瘀，增加皮肤愈合力
Marjoram Extract 马郁兰萃取 对扩张动脉、微血管扩张、散瘀有帮助
Marshmallow Extract 药蜀葵萃取 含粘质美容成份；可放松肌肤，安抚日晒后的各种不适现象
Matricaria Extract 洋甘菊萃取 抗炎、防过敏
Meadowfoam Seed Oil 小白花，绣线菊籽油 滋润、抗敏
Meadowsweet Extract 绣线菊萃取液 具有预防刺激、舒缓、收敛肌肤功效
Melawhite 美拉白 抑制黑色素沉淀及淡化色斑
Melissa Extract 香蜂草萃取 肌肤油水平衡，增强抵抗力，预防感染
Menaquinones 维他命K 去瘀、消肿
Menthol 薄荷脑 清洁、杀菌
Meristem Extract 被子植物萃取 预防发炎过敏
Methyl Anthranilate 化学性防晒成分
Methyl Hydroxybenzoate 甲基羟苯酸酯 防腐剂
Methyl Paraben 苯甲酸甲脂 防腐剂
Methyl Parahydroxybenzoate(Methyl Paraben) 苯甲酸甲酯 防腐剂
Methyl Salicylate 水杨酸甲酯，冬青油 抗发炎
Mexoryl 麦光素滤光环 化学性防晒成分
Mica 云母 通常加入化妆品中增加使用后的质感与肤触
Microcrystalline Wax 微粒蜡 微粒化之蜡，用做基质
Milk Protein 牛奶蛋白 具保湿、嫩白作用
Mineral Oil 矿物油 基质
Monoethanolamine Lauryl Sulfate 界面活性剂，清洁力过强，常导致皮肤干燥
Montmorillonite(green) 绿土 可吸收过多油脂达到收敛、抗菌及抗炎等作用
Mulberry Extract 桑椹萃取 含氨基酸及黄碱素，捕捉自由基，对于肌肤有抗氧化及白晰作用
Musk Extract 麝香萃取液 减少过多油脂分泌，收缩粗大毛孔，柔细肌肤
Myricl Alcohol 羊毛脂醇 天然油脂
Myristyl Alcohol 蜂蜡醇 乳化剂
Myristyl Lactate 合成油脂剂，可使肌肤触感柔软
N
NA-PCA(NaPCA，Sodium Pyrrolidone Carboxylate) 钠羟基皮酪烷酮 为一自然水溶性亲子基因子，用来作为保湿剂
Natural Moisturising Factor(N.M.F.) 为一自然水溶性亲子基因子，用来作为保湿剂
Neroli Extract 橙花萃取 促进细胞再生，预防敏感
Nicotinamide 烟碱醯胺，维他命B3衍生物 防止皮肤对阳光有过烈的反应，修补阳光对皮肤造成的伤害。Niacin(维他命B3)较具刺激性，Nicotinamide可以改善这种情况
Nitrosamines 亚硝胺 化妆品常用的次要成份，非常毒，避免使用含有DEA或TEA(如TEA-lauryl sulfate或Cocoamide DEA)(界面活性剂的主要成份)的产品，这些是可能形成亚硝胺（Nitrosamines）的成份，因为亚硝胺是由两种安全物质—亚硝酸(nitrous acid)、胺(amines)组成的。亚硝胺很易被皮肤吸收，且高度致癌
Nylon Fiber 尼龙纤维 通常用在睫毛膏中，增加使用时的增长效果
Nylon-12 尼龙-12 经过特别研制的尼龙粉底，可作为滑石粉的替代品。其微细圆粒，能让涂敷粉底更容易
O
Octyl Dimethy PABA 对氨基苯甲酸盐 紫外线吸收剂，防晒成份，但容易引致敏感
Octyl Methoxycinnamate(OMC) 桂皮酸盐 化学性防晒成分，可防御UVB
Octyl Palmitate 棕榈酸辛酯 有长效保湿功用，使肌肤柔嫩光滑
Octyl Salicylate 水阳酸盐 化学性防晒成分
Octyldodecanol 油脂剂，作为基质
Oleic Acid 油酸 由植物中粹取之成分可帮助产品的渗透
Oligo Extract 寡醣萃取 增强肌肤新陈代谢
Olive Oil 橄榄油 保湿、滋润、抗皱、超级抗老化作用、并能保持毛孔畅通、洁净
Orange Essential Oil 橙橘精油 富含维他命A、B、C
Oxybenzone 二苯甲酮 化学性防晒成分，可防御UVA，属苯甲酮类
Ozokerite 地蜡 天然矿物蜡，为保养品基剂
成份 中文标示 简介
P
PABA 对胺基苯甲酸盐 化学性防晒成分，常致过敏反应，现多不为采用
PARA-Hydroxy Benzoic Acid Ester 对一羟基苯甲酸酯 防腐剂
PEG-60 Hydrogenated Castor Oil 氢化篦麻油 为天然植物性油脂，具肌肤柔润作用
PEG8-Bees Wax 蜜蜡 基质，可增强产品浓度
Padimate O(Padimate A) 化学性防晒成分，属对胺基苯甲酸盐类，常致过敏反应，现多不为采用
Paeonia Suffruticosa Root Extract 牡丹根萃取 活络血液循环
Palmaria Palmata 红藻萃取 可促进微血管循环，去除水肿
Palmitic Acid 棕榈酸，软脂酸 油脂剂
Palmitoleic Acid 棕榈油酸 不饱和脂肪酸，防止表皮水份流失，柔润皮肤
Panthenol 维他命B5，泛先醇 保湿剂
Papaya Enzyme 木瓜酵素 清除代谢老废的角质细胞、促进细胞组织更新
Para -aminobenzoic Acid(PABA) 对氨基苯甲酸盐 紫外线吸收剂，化学防晒成份，主要是防UVB，但容易引致敏感，现已极少采用
Paraffin 石腊 基质，可加强溶液浓度
Parahydroxybenzoate(Paraben) 防腐剂，长期使用有引起接触性皮肤之虞
Parsol 1789 化学性防晒成分，罕见过敏反应
Pear Power 珍珠粉 含有十八种对人体有益的氨基酸，具有美白、润肤、修护的效果
Pearl Pigment 珍珠颜料 用在化妆品中以增加光泽
Pentavitin 泛维他 保湿剂
Peppermint Extract 薄荷萃取 镇静、清洁毛孔
Perfume 香精 产品添加之化学香味
Petrolatum 石蜡油，凡士林 润滑剂、保湿剂
Phenol 防腐剂
Phenolic acid 酚酸 抗氧化剂
Phenoxyethanol 苯氧基乙醇 杀菌剂
Phylloquinone 维生素K1 去淤、可用来去除黑眼圈
Phyto-Placentol 植物性胎盘素 预防老化，活化细胞弹力
Phytoplacenta 植物胎盘素 预防老化，活化细胞弹力
Pigment 色素
Pinecone Extract 松果萃取 可促进肌肤的血液循环及细胞的携氧量
Placenta 胎盘素 提供各种肌肤所需的氨基酸、弹力蛋白、使肌肤富弹性
Placental Protein 胎盘蛋白 刺激麦拉宁色素由角质层剥落
Placentol 胎盘素 提供各种肌肤所需的氨基酸、弹力蛋白、使肌肤富弹性
Plantain 车前草 含熊果素，可淡斑、美白
Polybutene 聚异丁烯 赋型剂，加强浓度
Polyethylene 聚乙烯 酒精之脱水产物，用以控制产品变干的时间
Polyglucan 聚葡萄糖 保湿，预防过敏，舒缓红肿
Polyglucuronic Acid 聚多醣酸 防止老化、促进新陈代谢
Polyglyceryl-3 聚甘油二酯 润滑剂
Polygonum Multiflorum Thunb Extract 何首乌萃取 增加血液循环，活络细胞
Polymethyl Methacrylate(PMMA) 聚甲基丙烯酸甲酯 可使修容粉长效不易脱落，亲肤性更佳
Polyoxyethylene Lauryl Ether 聚气乙烯月桂醚 阴离子系合成之界面活性剂，洗净力强
Polyoxyethylene 天然非离子接口活性剂，清洁
Polypeptides 聚胜 是胺基酸的一种，能呵护受损的细胞
Polyquaterium-6 柔软剂
Polysorbate 20 多己二稀酸20 乳化剂
Polysorbate 60 多己二稀酸60 乳化剂
Polysorbate 80(Tween 80) 多己二稀酸80 乳化剂
Polyvinyl Alcohol 聚乙烯醇 高分子聚合胶，属植物性胶体，可吸附深层毛孔中的污垢及粉刺
Potassium Sorbate 山梨酸钾 防腐剂
Preservative 防腐剂
Propyl Allate 防腐剂
Propyl Hydroxybenzoate 丙基羟苯酸酯 防腐剂
Propyl Paraben 羟苯甲酸丙脂 防腐剂，较为安全
Propylene Glycol 丙二醇、丙烯甘醇 保湿剂
Protelnase 蛋白脢 清洁柔软促进活化振奋疲乏的细胞
Psoralea Corylifolia L Extract 补骨脂 滋润
Purified Water 纯水 基质，载体
Pyridoxine HCI 维他命B6 是一种共同酵素，增加代谢
Pyrrolidone Carboxylic Acid(Sodium PCA) 角质素 保湿
Q
Quatenarium-18 夸特宁-18 纤维萃取，用做结合之媒介
Quaternium 15 防腐剂，会释放甲醛(Formaldehyde)，会刺激皮肤，长期使用有致癌之虞
R
Radix Angelicae Dahuricae 白芷 美白、保湿、供给皮肤养份
Retinoic Acid 维他命A酸 具有去角质、促进代谢、调理油脂分泌的功能，可以改善、治疗青春痘、粉刺
Retinoids 维他命A素 促进皮肤新陈代谢，减少粉刺，冶疗暗疮，减少细纹
Retinol 维他命A 高效除皱成份
Retinyl Palmitate 棕榈酸维生素A 具有滋润功效，减少细少纹路及修护肌肤作用
Revitalin 植物再生素 修护受损肌肤
Riboflavin 维生素B2，核黄素 增强代谢，促进皮肤、指甲、及头发的健康生长
Ricinoleic Acid 蓖麻油酸 润滑、保湿
Rose Essence Oil 玫瑰精油 润白、保湿
Rose Extract 玫瑰萃取 保湿、防皱、美白、软化、收敛舒缓、抗老、深层细胞补充水份、防止皮肤干燥、促进女性荷尔蒙分泌
Rose Hip 玫瑰果 富含维他命C，可美白、滋润肌肤
Rosemary Extract 迷迭香萃取 收敛毛孔、紧实皮肤
Rosemary Essence Oil 迷迭香精油 帮助血液循环、平衡神经系统、强化敏感肌肤
S
SD Alochol 40 酒精 保养品、化妆品用酒精
ST.John’s Wort 小连翘 能修复伤口、柔软肌肤
Saccharideisomerate 一种植物性醣类聚合物，有保湿功效
Safflower Oil 红花油 基质，润肤成份
Sage Extract 鼠尾草萃取 收敛、抗炎、镇静，平衡油脂，促进细胞再生
Salicylates 水杨酸盐类 化学性防晒成分
Salicylic Acid 水杨酸 有去角质的功能，能去除粉刺。(另可做为防腐剂用途)
Scutellaria Baicalensis Extract 黄芩萃取 镇静、抗菌
Seamollient 海藻粘多醣体 保湿剂
Seaweed Extract 海藻萃取 柔软肌肤、提升肌肤免疫力、加强肌肤弹力与光泽
Sericite 绢云母 用作化妆品，增加质感
Serum Protein 血清蛋白 促进细胞再生，促使真皮层中纤维母细胞制造弹力蛋白
Sesame Oil 芝麻油 滋润剂
Shiconix Extract 紫根萃取 舒缓红肿肌肤，增加抗体
Silica 硅、石英 色料及保护剂，多为化妆品添加剂
Silicon Oil 硅油 防氧化，对肌肤不刺激，添加于保养品中1～5％的浓度，可改变皮肤的触感，增加柔软度
Silk Amino Acid 丝胺基酸 润肤
Silk Protein 丝蛋白 活化细胞，增加肌肤弹性
Sliver-Birch 白桦 含维生素C、钠与磷、具有促进血液循环、收敛、抗感染
Sodium Alginate 海藻胶 保湿剂
Sodium Ascorbate 维他命C 抗氧化
Sodium Benzoate 苯甲酸钠，安息香酸纳 产品溶液缓冲剂，亦为产品防腐剂
Sodium Citrate 柠檬酸钠 产品溶液缓冲剂，让产品型态更为安定
Sodium Cocoyl Sarcosinate 界面活性剂，刺激性较低的清洁成份
Sodium Hyaluronate 玻尿酸钠 天然保湿因子
Sodium Hydroxide 氢氧化钠，苛性钠 碱性，可用来调整酸碱度
Sodium Laureth Sulfate(SLEs) 聚氧乙烯烷基硫酸钠 阴离子界面活性剂，易起泡性易溶于水中。
Sodium PCA(Pyrrolidone Carboxylic Acid) 角质素 保湿
Sodium Pyrolidone Carboxylate(NA-PCA) 钠羟基皮酪烷酮 为一自然水溶性亲子基因子，用来作为保湿剂
Sodium Sorbate 山梨酸钠 防腐剂
Sorbic Acid 己二烯酸，山梨酸 防腐剂
Sorbitan Stearate 乳化剂
Sorbitol 山梨醇 保湿剂
Soybean Protein 大豆蛋白 刺激细胞新生，产生胶原纤维及弹力纤维，增强肌肤支撑组织的弹性与紧实
Squalene 角鲨烯，海鲛鱼油 含有丰富的胶质成份，易于皮肤吸收，并可促进皮脂再生，具有清爽不油腻的独特感觉，滋润皮肤
Stearic Acid 硬脂酸 油脂剂
Stearyl Alcohol 十八烷醇，硬脂醇 乳化剂，但不会起泡
Stearyl Glycyrrhetinate 甘草酸硬脂酯 具有预防肌肤受刺激、降低敏感的功能
Sterocare 植物性贺尔蒙，抗老化
Sulfur 硫磺剂 有消炎、干燥的功效，常用来治疗青春痘肌肤
Sulisobenzone 化学性防晒成分，属苯甲酮类
Surfactant 界面活性剂
Sweet Almond Oil 甜杏仁油 含有维他命D、E，对面疱有调理作用，还具有隔离紫外线的作用
T
Talc 滑石粉 物理性防晒功能，为天然矿石萃取
Tartaric Acid 酒石酸 由葡萄酒中萃取出来，为果酸的一种，可加速皮肤代谢老废角质
Tea Tree Essential Oil 茶树精油 天然的抑菌剂，可平衡油脂、预防感染
Tetrasodium EDTA 乙二氨四醋酸四钠 化妆品溶液中的隔离剂，可做为产品中的抗菌剂（防腐剂）
Thiamine Mononitrate(Thiamine HCI) 维他命B1，硫胺素 增加代谢
Thiostim 是种温和的含硫化合物，可以保护肌肤天然酵素免于因氧化所带来的伤害
Thyme Extract 百里香萃取 具抗菌、防腐、镇静、收敛等作用
TiO2 二氧化钛 物理性防晒成份，可改善肤色
Titanium Dioxide 二氧化钛 物理性防晒成份，可改善肤色
Tocopherol 维他命E，生育醇 抗自由基，预防老化
Tocopheryl Acetate 维他命E 抗氧化剂
Toluene 甲苯 常常是指甲油与去除剂的成份
Trehalose 海藻多醣体 具有保湿及柔软作用
Tretinoin 维他命A酸 具有去角质、促进代谢、调理油脂分泌的功能，可以改善、治疗青春痘、粉刺，但有光敏感性，白天最好不要使用
Trichlorosan 三氯沙 有杀菌的功效，常用来治疗青春痘
Triclosan 玉洁新 抗菌，可抑制痤疮
Triethanolamine (TEA) Lauryl Sulfate 界面活性剂，清洁力过强，常导致皮肤干燥
Triethanolamine 三乙醇胺 酸碱值调节剂
Trolamine salicylate 化学性防晒成分，属水杨酸盐类
Tween 20 乳化剂
Tween 80 乳化剂
U
Ultramarines 群青 色料
Urea 尿素 保湿、收敛
V
Vaseline 凡士林 润滑剂
Vc-PMG(Magnesium Ascorbyl Phosphate，MAP) 维生素C磷酸镁复合物 为一极为安定之维生素C衍生物
Vitamin A Acid 维他命A酸 具有去角质、促进代谢、调理油脂分泌的功能，可以改善、治疗青春痘、粉刺
Vitamin A Palmitate 棕榈酸维生素A 具有滋润功效，减少细少纹路及修护肌肤作用
Vitamin C 维他命C 美白、抗斑
Vitamin E Oil 维他命E油 抗氧化、保湿、滋润
Vitamin E 维他命E 抗自由基、天然保存剂、保湿剂
Vitamin F 维他命F 保湿
Vitamin K 维他命K 帮助血循、淡化黑眼圈
W
Wax Esters 蜡酯 基质，润肤成份
Waxes 蜡 化妆品之基质
Wheat Germ Oil 小麦胚芽油 含丰富维他命E，是天然抗氧化剂
Wheat Protein 小麦蛋白 水解蛋白质，低敏感性，有抗氧化作用
White Lily Extract 百合萃取 柔软肌肤、消毒、治疗伤口
Wild Yam Extract 山药萃取 具有修护、保湿及增加肌肤弹力功效
Witch Hazel Extract 金缕梅萃取 抗炎、去红肿、平衡油脂分泌
Wool Fat 羊毛脂 滋润皮肤
Y
Yarrow Extract 蓍草萃取 平衡油脂，促进细胞再生
Yeast 酵素 含有碳水化合物、乳酸、重要的矿物质及维他命群，可以促进皮肤及粘膜的细胞机能，并能迅速分解污垢、促进肌肤新陈代谢
Yellow Gentian Extract 黄龙胆根萃取 可预防雀斑、有滋养作用
Ylang-Ylang Essential Oil 依兰精油 平衡油脂分泌，适合油性肌肤使用
Yogurt 优格 修护肌肤、嫩白
Z
Zinc Oxide 氧化锌 物理性防晒剂
Zostera Marina Pectin 海草胶 保湿
Zthylhexyl p-methoxycinnamate 化学性防晒成分，属桂皮酸盐类
其它
β-Glucan β-聚葡萄醣 滋养、保湿、预防老化
A
Acyclovir 带状泡疹、水痘 药物治疗成份，需医生处方
Adapalene 维他命A酸衍生物 治疗痤疮有效成份，需医生处方
Adenosine Triphosphate(ATP) 腺三磷酸 使皮肤代谢正常
Albumin 白蛋白 水溶性蛋白质，为中性缓冲液，是一种酵素
Alcohol 酒精 溶剂
Alfalfa Extract 紫花苜蓿萃取 含多种氨基酸及红萝卜素，可抗老化
Algae Extract 海藻萃取液 抗氧化
Algisium C 是一种生物保湿剂，可以修护肌肤并使更新暗沉的肤质，延缓老化的速度；其保湿性可维持8-12小时
Alkyl Benzoate 烃基安息香酸盐 油脂剂，作为基质
Allantoin 尿囊素 抗炎症、促进细胞修护
Almond 杏仁油 天然油脂，用作基质
Aloe Extract 芦荟萃取 镇静、保湿、滋润、抗敏、镇静、去红肿
Aloe Vera 芦荟 镇静、保湿、滋润、抗敏、镇静、去红肿
Alpha Hydroxy(AHA) 果酸 最常用的为甘醇酸(Glycolic Acid)及乳酸(Lactic Acid)，主要功效在促进皮肤新陈代谢，具有角质微剥的功效
Alpha Lipoic Acid 脂肪酸，硫辛酸 抗氧化
Alpha Tocopheryl 维他命E 抗氧化
Aluminum Chlorohydrate 氢氯酸铝 可抑制身体出汗，常来用作止汗剂成份
Amino Acid 天然胺基酸 防止水份过度的流失，并使肌肤温和不紧绷，护肤、供给肌肤营养
Aminocaproic Acid 胺基己酸 预防肌肤敏感现象
Ammonium Glycyrrhizate 甘草酸胺 保湿、预防过敏
Amniotic Fluid 羊膜液 含丰富肌肤所需的胺基酸
Angelica Sinensis Diels Extract 当归萃取 具有行气活血功效，可促进肌肤毛细微管血液循环
Angelica 白芷 当归属，含天然维他命C及预防敏感作用
Angiosperm Extract 被子植物酸 具有防止发炎及抗过敏效果
Anhydroalkannin 去水紫草烯 紫草萃取精华，可抗炎、抗菌、活血、去瘀
Anthranilates 化学性防晒成分
Apple Extract 苹果萃取 含有Vit-C等美容成份，另具有爽肤、镇静消毒作用
Apricot Bead 杏桃颗粒 通常加在磨砂膏中，用来去除皮肤老废角质
Apricot Kernel Oil 杏核油 富含矿物质和维他命，是天然的保湿剂，特别适合敏感性肤质
Aqua 水，溶液 基质
Arbutin 熊果素 淡化已形成的黑色素，能安定自由基、避免肌肤老化， 卫生署公布有效美白成份之一
Arnica Extract 山金车萃取 活血散瘀
Arnica Oil 山金车油 可促使伤口愈合、消毒、消肿、防止瘀斑出现
Ascorbic Acid 维他命C 抗氧化
Ascorbyl Glucoside(AAG) 维他命C甘醣 维他命C衍生物，为卫生署公布有效美白成份之一
Ascorbyl Pamitate 维他命C棕榈酸盐 一种脂溶性维他命C，是安定的维他命C
Ascorbyl Stearate 酯化C 安定的维他命C
Ascorbyl Tetraisopalmitate 脂溶性维他命C 安定的维他命C
Astragalus Membranaceus(Fisch) Bunge Extract 膜荚黄耆萃取
提高肌肤活力，效用比人蔘更佳
Avobenzone 化学性防晒成分，属Parsol 1789类，罕见过敏反应
Avocado Oil 骆梨油 保湿剂、含大量维他命A、C、D、E
Azelaic Acid 壬二酸，杜鹃花酸 抑制黑色素，抗菌消炎，用来治疗痤疮的温和成份
B
BaSO4 硫酸钡 物理性防晒成份
Babassuamidopropylamine 泡沫增强剂
Bay Extract 月桂萃取 收敛毛孔、抑制油份分泌
Bearberry Extract 熊果萃取 含食子单宁、葡萄糖甘等成份，具收敛、杀菌消毒、美白等功效
Bees Wax 蜜蜡 基质，可增强产品浓度
Bentonite 膨润土，皂土 有很好的清洁和吸附效果，亦具有抑制脸部油脂分泌的功效，用来调置面膜清洁皮肤，或是用作产品基质
Benzalkonium Chloride 氯化苯二甲烃铵 抗菌、防腐
Benzoic Acid 安息香酸，苯甲酸 防腐剂
Benzophenones(Benzophenone-3) 二苯甲酮衍生物 化学性防晒成分，可防御UVA，属苯甲酮类
Benzoyl Alcohol 产品赋型剂，作为基质
Benzoyl Peroxide 过氧化苯盐 是一种氧化剂，有抑菌的效果，特别是对引起青春痘的痤疮杆菌这种厌氧菌特别有效
Bergamot Mint Extract 佛手柑萃取 收敛毛孔、平衡油脂分泌
Betula Alba Extract 桦木芽萃取 抗菌
Betula Extract 桦木萃取 抗菌、收敛、净化作用
Bilberry Extract 覆盆子萃取 消毒、收敛、消脂、排水
Bio-Collagen 生化胶原蛋白 保湿
Bio-Enzyme 酵素，脢 促进细胞新陈代谢
Biocatalyst 酵素 促进细胞新陈代谢
Biopeptide 生化蛋白质 刺激胶原蛋白合成，预防老化，有助组织重建
Biopeptides 双性缩胺酸 促进胶原蛋白、弹力蛋白的产生，改善松弛
Biota Orientalis(L.) Endle Extract 侧柏叶萃取 镇定肌肤
Birch Tree Extract 桦树萃取 消毒、收敛，增加皮肤愈合力
Bisabolo Extract 没药萃取 收敛、消毒杀菌加快伤口愈合
Bisabolol 甜没药醇 防刺激剂，提取自洋甘菊
Bletilla Striata Reichenbach Extract 白芨萃取 含天然维他命C，可减少黑色素沉淀
Borage Oil 琉璃苣油 天然油脂，含丰富的维他命Ｅ、Ｆ，修补凹洞
Bromclain 菠萝酵素 代谢老旧细胞角质
Burdock Root Extract 牛蒡根萃取 调节皮脂分泌、收敛作用
Burdock 牛蒡 消毒、预防粉刺、促进细胞生长、抗发炎
Butyl Methoxydibenzoylmethane 化学性防晒成分，属Parsol 1789类，罕见过敏反应
Butyl Paraben 丁酯 防腐剂
Butyl Stearate 硬脂酸 赋型剂、基质
Butylene Glycol 丁二醇 保湿
Butylhydroxyanisol 羟基茴香二丁酯 酸化防止剂
C
C12-15 Alkyl Benzoate 赋型剂、基质
CO-Q10 辅脢 抗氧化，可以消灭自由基，维持细胞膜的完整和稳定
Calcium Pantetheine Sulfonate 维他命B5衍生物，为紫外线吸收剂(化学性防晒成份)
Calcium Pantothenate 泛酸钙，维他命B5 抗氧化，促进代谢
Calendula Extract 金盏花萃取 具舒缓、安抚敏感肌肤等功效
Camellia Sinensis Extract 山茶萃取，茶多酚 抗氧化
Camphor 樟树 抗痒、防过敏
Candelilla Wax 墈地里拉蜡 浓度增强剂
Caprylic/Capric Triglyceride 三甘油酯 皮肤润滑剂
Carbomer 高份子胶 浓度增强剂
Carbopol 羧乙烯聚合物 赋型剂
Carboxymethyl Chitin 几丁质衍生物 来自虾蟹外壳，为一高分子量之粘多醣体，具有保湿作用
Carnauba Wax 棕榈蜡 增加光泽感
Carrageenan 鹿角菜胶 保湿
Carrot Oil 胡萝卜油 可促使伤口愈合、镇痛、滋养、消毒、抗老化
Carthamus Tinctorius L. Extract 红花萃取 活化肌肤
Castor Oil 蓖麻油 含蓖麻油酸(Ricinoleic acid)，可润滑、保湿
Centella Asiatica 老公根 紧实肌肤、增加弹性
Ceramide 3 分子钉 保湿剂
Ceramide 神经醯胺、细胞质脂 保湿剂
Ceresin 矿蜡 乳化剂
Ceteareth-12 乳化剂
Ceteareth-20 乳化剂
Cetearyl Alcohol 十六硬脂酸酯 乳化剂
Cetyl Acetate 鲸蜡醋酸盐 油脂剂
Cetyl Alcohol 鲸腊硬酯醇、十六醇 乳化剂
Cetyl Dimethicone 鲸蜡硅氧烷 油脂剂
Cetyl Palmitate 棕榈酸鲸腊酯 乳化剂
Chamomil Oil 洋甘菊油 抗自由基、舒缓
Chamomile Extract 洋甘菊萃取 含丰富的甘菊蓝，具有防止皮肤发炎的功效，亦具有清洁、安定肌肤的效果
Chlorella Extract 绿藻萃取 滋润、保湿
Cholecalciferol 维他命D3，胆骨化醇 内用为增加钙质吸收，外用可治疗牛皮癣
Cholesterol 胆固醇 乳化剂
Cinnamate 桂皮酸盐类 化学性防晒成分，也是目前较安全的成份
Cinnamon Essential Oil 肉桂精油 防腐、杀菌
Cinoxate 化学性防晒成分，属桂皮酸盐类
Citric Acid 柠檬酸 防腐剂及平衡酸碱度
Citric Alcohol 柠檬醇 乳化剂
Citric Oil 柠檬油 润肤
Citron 法国香柠檬 具提神醒肤、消除肌肉疲劳以及对毛孔粗大有收敛效果等作用
Citronella Essential Oil 香茅精油 清洁、杀菌
Citrus Extract 柑橘萃取 含有维他命C，具有防菌效果，可以控制油脂分泌作用及防止雀斑、黑斑的形成
Coal Tar 煤焦油 常用来做为唇膏的染料
Cocamidopropyl Betaine 烷基醯胺类 界面活性剂，起泡剂，清洁用
Cocamidopropyl Hydroxy Sultane 烷基醯胺类 界面活性剂，起泡剂，清洁用
Cocoamide DEA 非离子界面活性剂 清洁用品主要成份。当Cocoamide DEA和其它复合物结合时，可能形成亚硝胺，易为皮肤吸收，并会致癌
Coconut Diethanolamide 烷醇醯胺 界面活性剂，起泡剂，清洁用
Coenzyme Q10 辅脢 抗氧化，可以消灭自由基，维持细胞膜的完整和稳定
Coix Seed 薏米 预防黑色素沉淀
Collagen 胶原蛋白 可以支撑结缔组织，含有19种胺基酸，具有良好的吸水性，其主要功能是增加组织的韧性，并维持整体组织结构的完整性；外用主要功能为「保湿」
Comfrey Extract 紫草萃取 含尿囊素，具舒缓皮肤、刺激新细胞的生长的功效
Common Licorice Extract 甘草萃取液 抗敏、镇静、去红肿
Coneflower Extract 矢车菊萃取 抗发炎，适用于敏感肤质
Corallina Officalis 红藻 保湿
Cress 水芹 消肿，促使伤口愈合，清洁净化、收敛肌肤
Cucumber Extract 小黄瓜萃取 含丰富维生素C，保湿、滋润、美白、活化肌肤
Cyanocobalamin 氰钴胺，维他命B12 细胞代谢
Cyclomethicone 环甲硅脂 不含油的润滑剂，能给予肌肤瞬间柔嫩肤触，适合用作妆前饰底成份
D
D.N.A.(Deoxyribonucleic Acid) 去氧核醣核酸 促进新陈代谢、保湿、预防老化
Dehydroacetic Acid 脱氢醋酸 防腐剂
Diazolidinyl Urea 尿素醛 防腐剂，会释放甲醛(Formaldehyde)，会刺激皮肤，长期使用有致癌之虞
Dibutyl Phthalate(DBP) 磷苯甲酸二丁酯 塑化、润滑、驱虫，但是会造成新生儿天生缺陷，故已禁止使用
Dibutylhydroxytoluene 羟基甲苯二丁酯 是酸化防止剂
Dicaprylyl Ether 增加使用触感，使肌肤光滑
Dichloroacetic Acid 二氯醋酸 刺激麦拉宁色素由角质层剥落
Diisopstearate 二异硬脂酸酯 硬脂酸的衍生物，润滑剂
Diisostearyl Malate 基质
Dimethicone Copolyol 硅氧烷 乳化剂，有润肤功效
Dimethicone 保湿、润泽，可在皮肤上形成一层薄膜，增加皮肤触感
Dimonium Chloride Phosphate 乳化剂
Dioxybenzone 化学性防晒成分，属苯甲酮类
Dipotassium Glycyrrhiziate 甘草酸钾 预防过敏
Disodium EDTA 乙二胺四乙基二钠 水质处理，有抗氧化功效，当作防腐剂使用，亦可防止钙镁离子沉淀
Disodium Laureth Sulfosuccinate 磺基琥珀酸酯 一种界面活性剂，清洁用起泡剂
Distilled Water 蒸馏水 基质，产品调制时所需的水份
Dmdm Hydantoin 防腐剂，会释放甲醛(Formaldehyde)，会刺激皮肤，长期使用有致癌之虞
E
Edera Extract 长春藤 具抗氧化作用代谢废物、排泄毒素
Elastin 弹力素 增加弹性、保湿
Elder 接骨木 温和紧肤、美白袪斑作用；兼能纾缓颜面神经紧张，舒缓肌肉僵硬
Ergocalciferol 维他命D2，骨化醇 刺激细胞再生
Erucamidopropyl Hydroxy Sultane 起泡剂
Ethyl Paraben 乙酯 防腐剂
Ethylene Diaminetetra Acetic Acid(EDTA) 乙烯二胺四乙酸 产品溶液沉淀防止剂、硬水软化剂
Ethylene 乙烯 一种植物性贺尔蒙，可促进细胞活化
Ethylhexyl Methoxycinnamate 乙基乙基一甲氧基肉桂酸盐 化学性防晒成份
Euphrasia Officinalis Extract 小米草萃取 收缩，镇静
Evening Primerose Oil 月见草油、夜樱草油 促进肌肤血液循环，并提供保湿
F
FD&C、D&C 色素 常常含在一些化妆品、染发剂及去除头皮洗发精里
Fatty Alcohol 脂肪醇混晶 一种界面活性剂，清洁起泡剂
Fennel 茴香 对清洁、紧肤、毛孔粗大、防皱有很好的效果，并可排出多余的水份与无法吸收之代谢物
Ferulic Acid 阿魏酸 抗氧化
Floraesters 10 脂衍 Jojoba萃取液，保湿、预防松弛
Formaldehyde 甲醛 防腐剂，有致癌之虞，已被禁止使用
Forsythia Suspensa (Thunb.) Vahl Extract 连钱草萃取 消肿
Fragrance 香精 产品添加之化学香味
G
Geranium Essential Oil 天竺葵精油 收敛、抑菌，能调节内分泌腺
Germaben Ⅱ 防腐剂
Ginger 姜 促进细胞生长、活化肌肤
Ginkgo Biloba Leaf Extract 银杏叶萃取 抗氧化、抗紫外线、增加血液循环、促进细胞再生
Ginkgo Biloba 银杏 预防细胞老化，增进新陈代谢，并可达白晰效果
Ginseng Extract 人蔘萃取液 滋养、消除疲劳、预防皱纹、促进血液循环等功效
Glycerin 甘油 保湿、滋润肌肤
Glycerol Mono Stearate 单硬脂酸甘油脂 乳化剂
Glyceryl Cocoate 乳化剂
Glyceryl PABA 化学性防晒成分，属对胺基苯甲酸盐类，常致过敏反应，现多不为采用
Glyceryl Polymethacrylate 润滑剂、保湿剂
Glyceryl Stearate 甘油硬脂酸酯 乳化剂
Glycolic Acid 甘醇酸 常用的果酸成份，去除老废角质、增加肌肤新陈代谢
Glycoproteins 醣蛋白 强化细胞修复、代谢能力
Glycyrrhetinic Acid 甘草酸 具良好之防敏感效果，可使眼部肌肤挥别黯沉
Glycyrrhizin Acid 甘草次酸 预防肌肤敏感现象，安抚、舒缓受刺激的肌肤
Grape Seed Extract 葡萄籽萃取 含高成分葡萄多酚，可预防自由基及细胞氧化功能
Grapefruit Essential Oil 葡萄柚精油 调节皮脂分泌，具良好流动性，可增加体内水分代谢
Grapeseed Oil 葡萄籽油 富含维生素，矿物质及蛋白质，抗氧化的效果是维它命C的20倍，维它命E的50倍
Green Tea Extract 绿茶萃取 舒缓、抗自由基
H
Hamamelis 金缕梅 去淤消肿
Hawthorn Extract 山楂萃取 抗发炎
Hazel Leaves 榛叶 促进血液循环，提升细胞含氧量，辅助肌肤代谢，增加肌肤的免疫功能
Hectorite 贺客多力士 乳化剂，是一种含硅酸镁、硅酸锂的粘土
Helichryse Extract 永久花萃取 促进细胞再生
Hispagel 生化醣醛酸 保湿
Homosalate 化学性防晒成分，属水杨酸盐类
Horse Chestnut Extract 马栗树，七叶树萃取 预防发炎，预防微血管曲张
Horsetail Extract 木贼萃取 促进肌肤细胞中胶原蛋白的合成
Hyaluronic Acid 玻尿酸，醣醛酸 属于非油脂性滋润剂，能吸收比本身重量多500-1000倍的水份，在皮肤细胞之间锁住水份
Hyasol 保湿剂
Hybrid Safflower Oil 红花子油 滋润剂
Hydrocotyle Extract 天胡荽萃取 去脂肪，可作为瘦身用途；另可防过敏，增加皮肤愈合力
Hydrogenated Lecithin 氢化卵磷脂 滋润、预防老化
Hydrogenated Polyisobutene 油脂剂，作为基质
Hydrogenated Soy Glyceride 氢化大豆甘油酯 润肤
Hydrolyzed Collagen Protein 水解胶原蛋白 维持肌肤紧实及弹性，分子比胶原蛋白小，较易为皮肤吸收
Hydrolyzed Glycosaminoglycans 滋润、保湿剂
Hydrolyzed Protein 水解蛋白 水解蛋白质，具保湿、增加肌肤弹性
Hydroquinone(HQ) 对苯二酚 高效美白去斑成份，列为药物管制
I
Illuminex 制黑剂，含维他命A、C、E、K
Imidazolidinyl Urea 眯坐丁尿酸 防腐剂，会释放甲醛(Formaldehyde)，刺激皮肤，长期使用有致癌之虞
Iniferine 是一种抗自由基之天然复合物，能抗拒因外来因素之分子与铜离子之结合以避免铜离子之氧化作用而防止黑色素之形成
Iodopropynyl Butylcarbamate 抗菌剂
Iron Oxide 氧化铁 色料
Iso-Flavones 植物性荷尔蒙、异黄素 延缓肌肤老化，减少细纹产生
Isodecane 异癸烷 舒缓(可由大茴香、奶油酸、柠檬油、菩提树油中萃取)
Isohexadecane 异十六烷 增添质感(可由甜胡椒、大茴香、白菖根、芹菜籽、奶油酸、咖啡、茶等萃取)
Isopropyl Alcohol 异丙醇 乳化剂
Isopropyl Myristate 十四酸异丙酯，肉豆蔻盐 化学合成油脂剂，易致暗疮
Isopropyl Palmitate 十六酸异丙酯，棕榈油盐 化学合成油脂剂，易致暗疮
Isositearoyl Hydrolyzed Collagen 氢化骨胶原 润肤
Isostearic Acid 异硬脂酸 饱和脂肪酸，用于调节稠度及外观质感
Isostearyl Alcohol 异十八醇 乳化剂
Ivy extract 常春藤萃取 具去脂，抗水肿，分解脂肪，收敛及镇静作用，促进代谢循环、消除蜂窝组织
J
Jojoba Ester Jojoba酯 滋润、保湿
Jojoba Oil 荷荷芭油 滋润、保湿
K
Kaolin 白陶土 中国土，用做颜料
Ketoconazole 克多可那挫 抗霉菌剂，用来治疗因皮屑芽孢菌感染的脂漏性皮肤炎或头皮屑效果很好
Kiwi 奇异果 内含多种维生素，可使肌肤白晰、活化细胞
Kohakuhi 桑白皮 白晰、淡化斑点
Kojic Acid 曲酸 抑制黑色素形成，使麦拉宁色素代谢正常，卫生署公布有效美白成份之一
Kukui Nut Oil 夏威夷核油 含多种脂肪酸，有极佳的渗透性及滋润效果
L
L-Ascorbic Acid Phosphate Magnesiom Salt N-nydrate(MAP) 维他命C磷酸镁复合物 维他命C衍生物，具有美白功效，为卫生署公布之有效美白成份
L-Ascorbic acid 左旋维他命C 抗氧化作用
Lactic Acid 乳酸 角质软化及保湿作用
Laminaria Digtatitat 海藻萃取液 柔软肌肤、提升肌肤免疫力、加强肌肤弹力与光泽
Laniline Alcohol 蜂蜡醇 天然油脂，可作为基质
Lanolin 羊毛脂 滋润
Lanoline Alcohol 羊毛脂醇 乳化剂
Lappa Extract 牛蒡萃取 预防粉刺、抗菌，抑制头皮屑
Lauroyl Lysine 氨基酸月桂醇酯 一种改质剂，轻滑、柔顺、高亮泽度，除可使粉体较亲油、增强保湿性外，亦可增加产品的稳定性
Lauryl Betaine 界面活性剂，起泡剂
Lauryl Diethanolamide 界面活性剂，起泡剂
Lavender Extract 熏衣草萃取 抗菌、消炎、镇静皮肤
Lecithin 卵磷脂 保湿及抗氧化功能
Lemon Extract 柠檬萃取 美白、滋润、抗炎
Lemongrass Essential Oil 柠檬香茅精油 缓和肌肤不适感、抑菌、消除肌肉酸痛、可作为防菌剂
Lesser Celandine Extract 白屈菜萃取 预防过敏，增加抵抗力
Licorice Extract 甘草萃取 保护敏感肌肤
Licorice Root 甘草根 预防发炎
Ligusticum Chuanxiong Hort Extract 川芎萃取 增加细胞代谢
Lily Extract 百合萃取 镇静、抗炎
Lime Extract 莱姆树萃取 含丰富的植物氨基酸，能活化细胞组织及再生能力
Lime Fruit Extract 莱姆萃取 平衡油脂分泌
Linden Extract 菩提萃取 具安抚、舒缓肌肤功效
Linoleic Acid 亚麻仁油酸，维他命F 不饱和脂肪酸，防止表皮水份流失，滋润皮肤
Lipase 脂肪脢，酵素 增加肌肤新陈代谢
Liposome 微脂体 结构与人体细胞类似，可以非常容易被人体所吸收同时也不会引起副作用，可增加皮肤之保湿平滑性
Liquid Paraffin 液态石腊 润肤
Luffa Cylindrica 丝瓜萃取 保湿、镇静
M
Macadamia Nut Oil 澳洲胡桃油 对皮肤的血液循环及毒素排除有一定的效果，防止自由基生成，抗老化、紫外线
Magnesium Aluminum Silicate 乳化剂安定剂，可加强溶液浓度
Magnesium Ascorbylphosphate(MAP) 维他命C磷酸镁复合物 维他命C衍生物，具有美白功效，为卫生署公布之有效美白成份
Malic Acid 苹果酸 由频果中萃取出来，为果酸的一种，可加速皮肤代谢老废角质
Mallow Extract 锦葵萃取 含丰富的植物氨基酸，能活化肌肤细胞组织及再生能力
Marigold Oil 金盏花油 抗发炎、清洁、收敛、活血散瘀，增加皮肤愈合力
Marjoram Extract 马郁兰萃取 对扩张动脉、微血管扩张、散瘀有帮助
Marshmallow Extract 药蜀葵萃取 含粘质美容成份；可放松肌肤，安抚日晒后的各种不适现象
Matricaria Extract 洋甘菊萃取 抗炎、防过敏
Meadowfoam Seed Oil 小白花，绣线菊籽油 滋润、抗敏
Meadowsweet Extract 绣线菊萃取液 具有预防刺激、舒缓、收敛肌肤功效
Melawhite 美拉白 抑制黑色素沉淀及淡化色斑
Melissa Extract 香蜂草萃取 肌肤油水平衡，增强抵抗力，预防感染
Menaquinones 维他命K 去瘀、消肿
Menthol 薄荷脑 清洁、杀菌
Meristem Extract 被子植物萃取 预防发炎过敏
Methyl Anthranilate 化学性防晒成分
Methyl Hydroxybenzoate 甲基羟苯酸酯 防腐剂
Methyl Paraben 苯甲酸甲脂 防腐剂
Methyl Parahydroxybenzoate(Methyl Paraben) 苯甲酸甲酯 防腐剂
Methyl Salicylate 水杨酸甲酯，冬青油 抗发炎
Mexoryl 麦光素滤光环 化学性防晒成分
Mica 云母 通常加入化妆品中增加使用后的质感与肤触
Microcrystalline Wax 微粒蜡 微粒化之蜡，用做基质
Milk Protein 牛奶蛋白 具保湿、嫩白作用
Mineral Oil 矿物油 基质
Monoethanolamine Lauryl Sulfate 界面活性剂，清洁力过强，常导致皮肤干燥
Montmorillonite(green) 绿土 可吸收过多油脂达到收敛、抗菌及抗炎等作用
Mulberry Extract 桑椹萃取 含氨基酸及黄碱素，捕捉自由基，对于肌肤有抗氧化及白晰作用
Musk Extract 麝香萃取液 减少过多油脂分泌，收缩粗大毛孔，柔细肌肤
Myricl Alcohol 羊毛脂醇 天然油脂
Myristyl Alcohol 蜂蜡醇 乳化剂
Myristyl Lactate 合成油脂剂，可使肌肤触感柔软
N
NA-PCA(NaPCA，Sodium Pyrrolidone Carboxylate) 钠羟基皮酪烷酮 为一自然水溶性亲子基因子，用来作为保湿剂
Natural Moisturising Factor(N.M.F.) 为一自然水溶性亲子基因子，用来作为保湿剂
Neroli Extract 橙花萃取 促进细胞再生，预防敏感
Nicotinamide 烟碱醯胺，维他命B3衍生物 防止皮肤对阳光有过烈的反应，修补阳光对皮肤造成的伤害。Niacin(维他命B3)较具刺激性，Nicotinamide可以改善这种情况
Nitrosamines 亚硝胺 化妆品常用的次要成份，非常毒，避免使用含有DEA或TEA(如TEA-lauryl sulfate或Cocoamide DEA)(界面活性剂的主要成份)的产品，这些是可能形成亚硝胺（Nitrosamines）的成份，因为亚硝胺是由两种安全物质—亚硝酸(nitrous acid)、胺(amines)组成的。亚硝胺很易被皮肤吸收，且高度致癌
Nylon Fiber 尼龙纤维 通常用在睫毛膏中，增加使用时的增长效果
Nylon-12 尼龙-12 经过特别研制的尼龙粉底，可作为滑石粉的替代品。其微细圆粒，能让涂敷粉底更容易
O
Octyl Dimethy PABA 对氨基苯甲酸盐 紫外线吸收剂，防晒成份，但容易引致敏感
Octyl Methoxycinnamate(OMC) 桂皮酸盐 化学性防晒成分，可防御UVB
Octyl Palmitate 棕榈酸辛酯 有长效保湿功用，使肌肤柔嫩光滑
Octyl Salicylate 水阳酸盐 化学性防晒成分
Octyldodecanol 油脂剂，作为基质
Oleic Acid 油酸 由植物中粹取之成分可帮助产品的渗透
Oligo Extract 寡醣萃取 增强肌肤新陈代谢
Olive Oil 橄榄油 保湿、滋润、抗皱、超级抗老化作用、并能保持毛孔畅通、洁净
Orange Essential Oil 橙橘精油 富含维他命A、B、C
Oxybenzone 二苯甲酮 化学性防晒成分，可防御UVA，属苯甲酮类
Ozokerite 地蜡 天然矿物蜡，为保养品基剂
成份 中文标示 简介
P
PABA 对胺基苯甲酸盐 化学性防晒成分，常致过敏反应，现多不为采用
PARA-Hydroxy Benzoic Acid Ester 对一羟基苯甲酸酯 防腐剂
PEG-60 Hydrogenated Castor Oil 氢化篦麻油 为天然植物性油脂，具肌肤柔润作用
PEG8-Bees Wax 蜜蜡 基质，可增强产品浓度
Padimate O(Padimate A) 化学性防晒成分，属对胺基苯甲酸盐类，常致过敏反应，现多不为采用
Paeonia Suffruticosa Root Extract 牡丹根萃取 活络血液循环
Palmaria Palmata 红藻萃取 可促进微血管循环，去除水肿
Palmitic Acid 棕榈酸，软脂酸 油脂剂
Palmitoleic Acid 棕榈油酸 不饱和脂肪酸，防止表皮水份流失，柔润皮肤
Panthenol 维他命B5，泛先醇 保湿剂
Papaya Enzyme 木瓜酵素 清除代谢老废的角质细胞、促进细胞组织更新
Para -aminobenzoic Acid(PABA) 对氨基苯甲酸盐 紫外线吸收剂，化学防晒成份，主要是防UVB，但容易引致敏感，现已极少采用
Paraffin 石腊 基质，可加强溶液浓度
Parahydroxybenzoate(Paraben) 防腐剂，长期使用有引起接触性皮肤之虞
Parsol 1789 化学性防晒成分，罕见过敏反应
Pear Power 珍珠粉 含有十八种对人体有益的氨基酸，具有美白、润肤、修护的效果
Pearl Pigment 珍珠颜料 用在化妆品中以增加光泽
Pentavitin 泛维他 保湿剂
Peppermint Extract 薄荷萃取 镇静、清洁毛孔
Perfume 香精 产品添加之化学香味
Petrolatum 石蜡油，凡士林 润滑剂、保湿剂
Phenol 防腐剂
Phenolic acid 酚酸 抗氧化剂
Phenoxyethanol 苯氧基乙醇 杀菌剂
Phylloquinone 维生素K1 去淤、可用来去除黑眼圈
Phyto-Placentol 植物性胎盘素 预防老化，活化细胞弹力
Phytoplacenta 植物胎盘素 预防老化，活化细胞弹力
Pigment 色素
Pinecone Extract 松果萃取 可促进肌肤的血液循环及细胞的携氧量
Placenta 胎盘素 提供各种肌肤所需的氨基酸、弹力蛋白、使肌肤富弹性
Placental Protein 胎盘蛋白 刺激麦拉宁色素由角质层剥落
Placentol 胎盘素 提供各种肌肤所需的氨基酸、弹力蛋白、使肌肤富弹性
Plantain 车前草 含熊果素，可淡斑、美白
Polybutene 聚异丁烯 赋型剂，加强浓度
Polyethylene 聚乙烯 酒精之脱水产物，用以控制产品变干的时间
Polyglucan 聚葡萄糖 保湿，预防过敏，舒缓红肿
Polyglucuronic Acid 聚多醣酸 防止老化、促进新陈代谢
Polyglyceryl-3 聚甘油二酯 润滑剂
Polygonum Multiflorum Thunb Extract 何首乌萃取 增加血液循环，活络细胞
Polymethyl Methacrylate(PMMA) 聚甲基丙烯酸甲酯 可使修容粉长效不易脱落，亲肤性更佳
Polyoxyethylene Lauryl Ether 聚气乙烯月桂醚 阴离子系合成之界面活性剂，洗净力强
Polyoxyethylene 天然非离子接口活性剂，清洁
Polypeptides 聚胜 是胺基酸的一种，能呵护受损的细胞
Polyquaterium-6 柔软剂
Polysorbate 20 多己二稀酸20 乳化剂
Polysorbate 60 多己二稀酸60 乳化剂
Polysorbate 80(Tween 80) 多己二稀酸80 乳化剂
Polyvinyl Alcohol 聚乙烯醇 高分子聚合胶，属植物性胶体，可吸附深层毛孔中的污垢及粉刺
Potassium Sorbate 山梨酸钾 防腐剂
Preservative 防腐剂
Propyl Allate 防腐剂
Propyl Hydroxybenzoate 丙基羟苯酸酯 防腐剂
Propyl Paraben 羟苯甲酸丙脂 防腐剂，较为安全
Propylene Glycol 丙二醇、丙烯甘醇 保湿剂
Protelnase 蛋白脢 清洁柔软促进活化振奋疲乏的细胞
Psoralea Corylifolia L Extract 补骨脂 滋润
Purified Water 纯水 基质，载体
Pyridoxine HCI 维他命B6 是一种共同酵素，增加代谢
Pyrrolidone Carboxylic Acid(Sodium PCA) 角质素 保湿
Q
Quatenarium-18 夸特宁-18 纤维萃取，用做结合之媒介
Quaternium 15 防腐剂，会释放甲醛(Formaldehyde)，会刺激皮肤，长期使用有致癌之虞
R
Radix Angelicae Dahuricae 白芷 美白、保湿、供给皮肤养份
Retinoic Acid 维他命A酸 具有去角质、促进代谢、调理油脂分泌的功能，可以改善、治疗青春痘、粉刺
Retinoids 维他命A素 促进皮肤新陈代谢，减少粉刺，冶疗暗疮，减少细纹
Retinol 维他命A 高效除皱成份
Retinyl Palmitate 棕榈酸维生素A 具有滋润功效，减少细少纹路及修护肌肤作用
Revitalin 植物再生素 修护受损肌肤
Riboflavin 维生素B2，核黄素 增强代谢，促进皮肤、指甲、及头发的健康生长
Ricinoleic Acid 蓖麻油酸 润滑、保湿
Rose Essence Oil 玫瑰精油 润白、保湿
Rose Extract 玫瑰萃取 保湿、防皱、美白、软化、收敛舒缓、抗老、深层细胞补充水份、防止皮肤干燥、促进女性荷尔蒙分泌
Rose Hip 玫瑰果 富含维他命C，可美白、滋润肌肤
Rosemary Extract 迷迭香萃取 收敛毛孔、紧实皮肤
Rosemary Essence Oil 迷迭香精油 帮助血液循环、平衡神经系统、强化敏感肌肤
S
SD Alochol 40 酒精 保养品、化妆品用酒精
ST.John’s Wort 小连翘 能修复伤口、柔软肌肤
Saccharideisomerate 一种植物性醣类聚合物，有保湿功效
Safflower Oil 红花油 基质，润肤成份
Sage Extract 鼠尾草萃取 收敛、抗炎、镇静，平衡油脂，促进细胞再生
Salicylates 水杨酸盐类 化学性防晒成分
Salicylic Acid 水杨酸 有去角质的功能，能去除粉刺。(另可做为防腐剂用途)
Scutellaria Baicalensis Extract 黄芩萃取 镇静、抗菌
Seamollient 海藻粘多醣体 保湿剂
Seaweed Extract 海藻萃取 柔软肌肤、提升肌肤免疫力、加强肌肤弹力与光泽
Sericite 绢云母 用作化妆品，增加质感
Serum Protein 血清蛋白 促进细胞再生，促使真皮层中纤维母细胞制造弹力蛋白
Sesame Oil 芝麻油 滋润剂
Shiconix Extract 紫根萃取 舒缓红肿肌肤，增加抗体
Silica 硅、石英 色料及保护剂，多为化妆品添加剂
Silicon Oil 硅油 防氧化，对肌肤不刺激，添加于保养品中1～5％的浓度，可改变皮肤的触感，增加柔软度
Silk Amino Acid 丝胺基酸 润肤
Silk Protein 丝蛋白 活化细胞，增加肌肤弹性
Sliver-Birch 白桦 含维生素C、钠与磷、具有促进血液循环、收敛、抗感染
Sodium Alginate 海藻胶 保湿剂
Sodium Ascorbate 维他命C 抗氧化
Sodium Benzoate 苯甲酸钠，安息香酸纳 产品溶液缓冲剂，亦为产品防腐剂
Sodium Citrate 柠檬酸钠 产品溶液缓冲剂，让产品型态更为安定
Sodium Cocoyl Sarcosinate 界面活性剂，刺激性较低的清洁成份
Sodium Hyaluronate 玻尿酸钠 天然保湿因子
Sodium Hydroxide 氢氧化钠，苛性钠 碱性，可用来调整酸碱度
Sodium Laureth Sulfate(SLEs) 聚氧乙烯烷基硫酸钠 阴离子界面活性剂，易起泡性易溶于水中。
Sodium PCA(Pyrrolidone Carboxylic Acid) 角质素 保湿
Sodium Pyrolidone Carboxylate(NA-PCA) 钠羟基皮酪烷酮 为一自然水溶性亲子基因子，用来作为保湿剂
Sodium Sorbate 山梨酸钠 防腐剂
Sorbic Acid 己二烯酸，山梨酸 防腐剂
Sorbitan Stearate 乳化剂
Sorbitol 山梨醇 保湿剂
Soybean Protein 大豆蛋白 刺激细胞新生，产生胶原纤维及弹力纤维，增强肌肤支撑组织的弹性与紧实
Squalene 角鲨烯，海鲛鱼油 含有丰富的胶质成份，易于皮肤吸收，并可促进皮脂再生，具有清爽不油腻的独特感觉，滋润皮肤
Stearic Acid 硬脂酸 油脂剂
Stearyl Alcohol 十八烷醇，硬脂醇 乳化剂，但不会起泡
Stearyl Glycyrrhetinate 甘草酸硬脂酯 具有预防肌肤受刺激、降低敏感的功能
Sterocare 植物性贺尔蒙，抗老化
Sulfur 硫磺剂 有消炎、干燥的功效，常用来治疗青春痘肌肤
Sulisobenzone 化学性防晒成分，属苯甲酮类
Surfactant 界面活性剂
Sweet Almond Oil 甜杏仁油 含有维他命D、E，对面疱有调理作用，还具有隔离紫外线的作用
T
Talc 滑石粉 物理性防晒功能，为天然矿石萃取
Tartaric Acid 酒石酸 由葡萄酒中萃取出来，为果酸的一种，可加速皮肤代谢老废角质
Tea Tree Essential Oil 茶树精油 天然的抑菌剂，可平衡油脂、预防感染
Tetrasodium EDTA 乙二氨四醋酸四钠 化妆品溶液中的隔离剂，可做为产品中的抗菌剂（防腐剂）
Thiamine Mononitrate(Thiamine HCI) 维他命B1，硫胺素 增加代谢
Thiostim 是种温和的含硫化合物，可以保护肌肤天然酵素免于因氧化所带来的伤害
Thyme Extract 百里香萃取 具抗菌、防腐、镇静、收敛等作用
TiO2 二氧化钛 物理性防晒成份，可改善肤色
Titanium Dioxide 二氧化钛 物理性防晒成份，可改善肤色
Tocopherol 维他命E，生育醇 抗自由基，预防老化
Tocopheryl Acetate 维他命E 抗氧化剂
Toluene 甲苯 常常是指甲油与去除剂的成份
Trehalose 海藻多醣体 具有保湿及柔软作用
Tretinoin 维他命A酸 具有去角质、促进代谢、调理油脂分泌的功能，可以改善、治疗青春痘、粉刺，但有光敏感性，白天最好不要使用
Trichlorosan 三氯沙 有杀菌的功效，常用来治疗青春痘
Triclosan 玉洁新 抗菌，可抑制痤疮
Triethanolamine (TEA) Lauryl Sulfate 界面活性剂，清洁力过强，常导致皮肤干燥
Triethanolamine 三乙醇胺 酸碱值调节剂
Trolamine salicylate 化学性防晒成分，属水杨酸盐类
Tween 20 乳化剂
Tween 80 乳化剂
U
Ultramarines 群青 色料
Urea 尿素 保湿、收敛
V
Vaseline 凡士林 润滑剂
Vc-PMG(Magnesium Ascorbyl Phosphate，MAP) 维生素C磷酸镁复合物 为一极为安定之维生素C衍生物
Vitamin A Acid 维他命A酸 具有去角质、促进代谢、调理油脂分泌的功能，可以改善、治疗青春痘、粉刺
Vitamin A Palmitate 棕榈酸维生素A 具有滋润功效，减少细少纹路及修护肌肤作用
Vitamin C 维他命C 美白、抗斑
Vitamin E Oil 维他命E油 抗氧化、保湿、滋润
Vitamin E 维他命E 抗自由基、天然保存剂、保湿剂
Vitamin F 维他命F 保湿
Vitamin K 维他命K 帮助血循、淡化黑眼圈
W
Wax Esters 蜡酯 基质，润肤成份
Waxes 蜡 化妆品之基质
Wheat Germ Oil 小麦胚芽油 含丰富维他命E，是天然抗氧化剂
Wheat Protein 小麦蛋白 水解蛋白质，低敏感性，有抗氧化作用
White Lily Extract 百合萃取 柔软肌肤、消毒、治疗伤口
Wild Yam Extract 山药萃取 具有修护、保湿及增加肌肤弹力功效
Witch Hazel Extract 金缕梅萃取 抗炎、去红肿、平衡油脂分泌
Wool Fat 羊毛脂 滋润皮肤
Y
Yarrow Extract 蓍草萃取 平衡油脂，促进细胞再生
Yeast 酵素 含有碳水化合物、乳酸、重要的矿物质及维他命群，可以促进皮肤及粘膜的细胞机能，并能迅速分解污垢、促进肌肤新陈代谢
Yellow Gentian Extract 黄龙胆根萃取 可预防雀斑、有滋养作用
Ylang-Ylang Essential Oil 依兰精油 平衡油脂分泌，适合油性肌肤使用
Yogurt 优格 修护肌肤、嫩白
Z
Zinc Oxide 氧化锌 物理性防晒剂
Zostera Marina Pectin 海草胶 保湿
Zthylhexyl p-methoxycinnamate 化学性防晒成分，属桂皮酸盐类
其它
β-Glucan β-聚葡萄醣 滋养、保湿、预防老化
2010年4月1日星期四
Chinese cosmetic results dialectical view
Chinese beauty refers to the guidance of TCM theory, by internal or external use of Chinese herbal medicines to restore and improve the body's physiological function, beautiful skin, a way to keep youth. Where has the beauty Yue color, freckle cleansing, by Hong emollients, Ukraine to be germinal, Gu Chi and other fitness and the role of anti-sickness medicine called cosmetic medicine, the majority of both orally but also for external use. Cosmetic medicine come from plants, animals, minerals or other drugs, herbal skin in order to spend medicine, in.
Now, everyone in the pursuit of natural, wait for them to return to the original ecology of the times, and even skin care have the same trend. Five thousand years of Chinese culture, Li's "Compendium of Materia Medica" records the profound Chinese medicine, everyone claimed the role of traditional Chinese medicine beauty gentle on the skin, stimulating small, safe, effective and significant, without any side effects, therefore, not a lot of beauty salons introduction of Chinese medicine beauty items, there are many DIY MM willing to try a variety of traditional Chinese medicine at home, beauty "secrets." In fact, Chinese medicine is safe and effective without necessarily stimulate it? Chinese beauty in the end have no effect, is not everyone using? Beauty to go that route using the Chinese pay attention to?
Chinese medicines may irritate the skin
Speaking of Chinese beauty, we hear the most publicity is natural, no stimulation, no side effects, but in fact, no matter how pure natural plants, the ingredients contained in traditional Chinese medicine is very complex, which also has a strong irritating substances, not publicity, as some brands as security without stimulation, all of them apply.
For example, Chinese medicine among the common skin care ingredients to treat dark spots of white Fuzi, acne, and enhance the effectiveness of the role of other Chinese medicines, but a small poisonous, irritant strong, they must be with the other in powder mixed with sensitive skin should not be use; Angelica, Salvia can be blood spots fade away, so that delicate skin shiny, but if for direct spreading face a slight irritation, sensitive skin should use with caution; tuo Whitening Monk is commonly used drugs, mercury (mercury ), long-term use will decrease the skin resistance and become sensitive, vulnerable; rhubarb, skullcap with heat, anti-inflammatory, antibacterial effects, is a common ingredient in Chinese medicine acne, but the long-term use will make your skin turn yellow, usually only suitable in local affected area to use, or mixed with white Chinese medicines; Ginseng moisturizing the skin, tighten wrinkles function, skin care is a Holy Grail, but the nature of partial heat, acne, dermatitis, acne, skin allergies not suitable for use.
Therefore, if you do not understand the effects of the medicine and their skin case, some kind of medicine directly to ground into a powder for spreading face is not to be, to know the beauty of Chinese medicine made of easy to use product is not an easy things through "burden reduction efficiency", that traditional Chinese medicine to remove some of the ingredients on the skin invalid, retains some effect; addition, but also for medicinal control, remove the irritating intensity of the component, not the so-called "secret" on it.
Homemade herbal mask absorption of a problem
Many like to refer to the online Chinese MM Beauty "secret" herbal mask made at home, that, not only have the possibility of irritation, the absorption there are problems.
You know, want to make the skin absorb the nutrients, beauty products, molecular weight is critical. Homemade herbal mask generally pharmacies or home use in the mill grinding into powder, granules, and molecular weight than the large surface covered directly for the active ingredient which is difficult to absorb, so the benefits will far from satisfactory. So in the beauty salon or at home, the best Do not try homemade herbal mask, not only can not absorb it can cause irritation and sensitive to losses than gains. If you really want to try, also try to grind herbs for more than 3 times, until it becomes uniform fine powder can be used surface covered.
To be carried out under the physical medicine bath
In addition to herbal mask, the traditional Chinese medicine bath beauty is more popular current approaches to health. Introduced a number of beauty salons Chinese medicine bath, are added in the bath with a variety of Chinese herbs medicine bag, hot water and liquid on the body through the skin irritation and penetration, fitness and beauty play a role in disease prevention.
In fact, Chinese medicine bath can really play to clear the meridians, promoting qi and blood to run, regulating yin and yang balance, enhancing immune function, but not suitable for everyone, with what kind of herbs to bath to select according to individual physical and with. Such as angelica, ginseng, red sage root, Motherwort and other components with blood, moisturizing, skin beauty spots fade away and other effects, more suitable for yang deficiency blood stasis or physical person, not suitable for heat and yin deficiency type physical person; Lycium, Polygonatum, barley, leaves and other ingredients are more suitable for people who bath body heat.
Chinese skin care and fine chemical products abroad on the skin are fundamentally different principles. Most skin care products, chemical compounds through the skin to solve specific problems, but traditional Chinese medicine theory, the emphasis is on beauty blood gas level, comprehensive conditioning skin. In some skin problems on the Chinese may have better effects, such as zits prevention products, some product will cause skin resistance, but the Chinese will not, because it is through the principle of accelerating blood circulation to skin, skin conditioning .
Chinese have the "skin treatment skin", which skin drug into the skin, directly to a health body, play a role of beauty, such as poplar bark, wood Lampi, pomegranate rind, etc.. There is also "complementary color to color" in that beautiful than petals, light on the up, can make blood on the wing on the surface, so that looks the same good, such as peach, rose, Inula britannica, etc..
First rule out the toxins from the body to lose weight
To rule out the toxins from the body
Why fat, many people think of eating more. In fact, the accumulation of toxins, can also lead to obesity. So detoxification is very important. "Essential oils have a strong penetration, and therefore detoxification good assistant." Yi Jia beautician Millet said, "such as grapefruit oil, with appropriate massage techniques, can very effectively rid their bodies of toxins, elimination of local fat accumulation . "
TIPS
Use essential oils, be sure to meet the individual's physique, but also to pay attention to their menstrual cycles. Because the oil infiltration, improper use may cause side effects. Therefore, oil type, concentration and so on must follow professional advice.
Promote circulation to eliminate edema
Some girls are not obese, but he looks people are too "round" feeling. Why? Edema may be at play. Edema, most likely because the sake of the body are not smoothly cycle.
Broken fat is the first step, in addition to using essential oils and massage with the crushed fat, nicotine also has a good effect broken fat. "Nicotine causes the body to heat, accelerate blood circulation, so as to achieve the effect of broken fat." Comfort Fort Beauty Coco description beauty consultant.
"Elimination of fat to thin almost every girl knows something, but after the promotion of fat metabolism, not many people know." Lai wish more women small space beautician said, "must be maintained after breaking lipid metabolism and smooth cycle, the next to get in shape to play an effect. "
In addition to these daily as we are aware of seaweed mud, hot wax can promote the metabolism and circulation of things, the mint is also good to promote the role of the enjoyment.
TIPS
Do not think that detoxification, and promote circulation are things of beauty salons, with the right diet is also important. Do not eat too much, do not eat too much food at night, is every girls beauty diet should follow the rules.
Fit curve to tie up
Completed detoxification, Cellulite, in addition to edema, many people's skin appears loose, particularly the children had just given birth to a new mother. This time, to restore the slim curve, we must rely on "plastic" was.
Strapped with bandages is a more effective body sculpting method, different bandages used in different parts of the body, can create their own Xiangshou a place you want to type - arm firmer, flatter abdomen, buttocks a more upturned. Compared to the body weight and diet, exercise, body sculpting so it seems more attractive.
Perhaps the health scale pointer does not point to smaller values, but the line has been giving a perfect brand-new feeling.
TIPS
Bandages are not easily tied tied, cold bandage the arm, heat bandage in the abdomen and back, coupled with the appropriate aromatherapy to tie the slim and the curve.
4 types of food you eat it more beautiful chest
In this "weak woman is no longer" era, women began to learn to show themselves, however, the office of the "Pacific Princess" are most often not bother to market a variety of breast drugs, therapeutic use Bust, to achieve the ultimate beautiful breasts
The first lettuce
Breast lettuce is the traditional vegetables, and yam, eaten with chicken livers, blood can be nursed back to health, to promote the nutritional supply to the breast area, but also improve the skin's moisture and color sense.
II papaya
Papaya is the preferred food breast, sweet and flat, and dates with this Skin Nourishing food consumption, with the digestion stomach, tonic prolactin, menstrual qi, nourishing the body, and who also have a therapeutic role in dyspepsia.
The third type nuts
Walnut and pine nuts are rich in vitamin E and zinc, especially rich in linolenic acid, can delay senescence of breast, in addition to protein, minerals, B vitamins are also rich in beauty salon is soothing quality goods. Corn is rich in vitamin E, also praised the Jianxiong food diet experts.
The fourth type beans
Beans, green beans and black beans are well-known breast food, rich in protein, lecithin and other substances. Chicken wings (especially the wings and in wing tips represented) have abundant collagen, and soy with fresh, very useful on the breast.
The first lettuce
Breast lettuce is the traditional vegetables, and yam, eaten with chicken livers, blood can be nursed back to health, to promote the nutritional supply to the breast area, but also improve the skin's moisture and color sense.
II papaya
Papaya is the preferred food breast, sweet and flat, and dates with this Skin Nourishing food consumption, with the digestion stomach, tonic prolactin, menstrual qi, nourishing the body, and who also have a therapeutic role in dyspepsia.
The third type nuts
Walnut and pine nuts are rich in vitamin E and zinc, especially rich in linolenic acid, can delay senescence of breast, in addition to protein, minerals, B vitamins are also rich in beauty salon is soothing quality goods. Corn is rich in vitamin E, also praised the Jianxiong food diet experts.
The fourth type beans
Beans, green beans and black beans are well-known breast food, rich in protein, lecithin and other substances. Chicken wings (especially the wings and in wing tips represented) have abundant collagen, and soy with fresh, very useful on the breast.
2010年3月31日星期三
Scaling Toothpaste whitening teeth really do
Beautiful beautiful teeth, but also the source of many women self-confidence. Irregular teeth yellowed those who dare not even laugh when exposed teeth. Early to know the female no longer needs to "do not laugh grin," to demonstrate lady style, but seemed to be somewhat cautious of. Scaling, the teeth can become clean, some people would like to whiten teeth by scaling and polishing to achieve the purpose, in the end it may be feasible?
Scaling will not damage the teeth?
Whether scaling teeth hurt? France, "European Times" said today's scaling greater use of ultrasound devices by ultrasonic vibration, so that tartar off the tooth surface, if necessary, then the Department of curettage deep calculus, will not damage the teeth themselves. Instruments on the tooth surface contact and mechanical equipment will be sensitive to the temperature of the surface must have some stimulation of the teeth, thereby somewhat sore, but pain is temporary, will disappear with the elimination of stimulation.
Scaling with healthy teeth whitening
Scaling including supragingival scaling and subgingival scaling, refers to the scaling device attached to the surface of the teeth to remove tartar, plaque and color stains and polish teeth surfaces, in order to delay dental plaque and calculus re-deposition. Calculus, plaque near the long-term presence will stimulate the gums caused by periodontal tissues, the formation of chronic inflammation, the long-term inflammation that occurs gradually increasing swelling gums, loose teeth, bite weakness, loose teeth if excessive, the disease process difficult to reverse, it must be for periodontal disease, early detection, early treatment can be effectively controlled. And by scaling the method to remove pathogenic factors - plaque calculus is one of the most basic treatment.
The indications for Scaling
If you find yourself in frequent bleeding when brushing, or tired or sick feeling when their low immunity does not apply to the whole mouth swollen gums, it means you have symptoms of gingivitis, and if there has been loose teeth, swollen gums pus pain overflow, which may have a more serious manifestations of periodontitis, and these are indications of scaling.
Scaling, they should avoid eating food with strong pungent
Some patients in the scaling period of time after there are sensitive to the phenomenon of hot and cold, sweet and sour, because scaling pre-existing dental calculus attached to the junction of neck and gums, sweet and sour to hot and cold played a role in blocking, and ease When the tartar removal of clean teeth and neck exposed, teeth sensitivity encountered symptoms appeared after stimulation. So scaling is not a long time after, it should be taken to avoid eating too cold, too acid stimulating strong food.
Feeling between the teeth after scaling than before?
Some people feel after scaling and polishing teeth than in the past, this is because they own more calculus, do not feel there is between your teeth before treatment, because the swelling of the gums and dental calculus in the teeth filled, when the removal of calculus, the gingival swelling dissipated, had existed between the teeth on the exposed, not because the bigger teeth scaling result.
After scaling the teeth loose?
By the same token, some people feel after scaling increased tooth mobility than ever before, and in fact as causes of periodontitis, they maintain strong teeth before there is absorption in the treatment of alveolar bone, but the more attached to the tooth surface and dental calculus between the bone surface, play a weak fixation, after removal of the calculus, and mobility will be slightly larger than the original, but the presence of calculus, only further increase the absorption of bone, resulting in the aggravation of disease, so they Removal is definitely more good than harm.
Bleeding gums?
As for the bleeding, which is due to chronic stimulation in the calculus under the gums, swollen state organizations are congestion, will touch even when brushing your teeth bleeding, scaling also the time will inevitably come into contact with bleeding gums, but that is a transient phenomenon, as long as there is no systemic blood diseases, and dental cleaning soon after the bleeding stopped. If localized in the scaling continued bleeding after a period of time, one should be deep periodontal dental check whether there exist residual calculus.
Scaling can not be effectively whitening teeth
Others went to the hospital for whitening teeth and scaling, tooth surface composed of dark brown pigment spots can really blast scaling removed, but just the same as taking a bath is not able to whiten the skin, yellowing of the whole tooth surface and can not scaling to white.
Scaling is not guaranteed
Scaling is not a once and for all, dental stones were cleared up after the deposition will gradually, so to prevent disease, maintain efficacy, must insist upon the scaling good oral hygiene maintenance practices, to master the correct method of brushing, greater use of dental floss brush toothbrush can not remove the plaque gap teeth, teeth cleaning every six months to a year review (the frequency of severe periodontal disease needs to increase) in order to effectively maintain dental health.
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