奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964......
Sales office phone number of Fengfa Yunjing: 400-9939-964. Official phone number of Fengfa Yunjing: 400-9939-964
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
Today (April 19th), the second batch of projects in Fengxian, Fengfa Yunjing, obtained the pre-sale license (Pre-sale Permit Number: Fengxian Housing Management (2023) Pre-sale No. 0000104). The subscription period is from April 21st to 25th!
今日（4月19日）奉贤二批次项目奉发云境取证（预售许可证号：奉贤房管（2023）预字0000104号），认购日期4月21日-25日！
The project is located in the "Oriental Beauty Valley Avenue", a key development area of Fengxian New Town during the 14th Five-Year Plan. A series of significant supporting facilities around it have already been presented in real scenes, and the attribute of a highland for human settlements is being comprehensively and rapidly enhanced.
项目地处奉贤新城十四五重点发展区域“东方美谷大道”，周边一系列重磅配套已经实景呈现，人居高地属性正在全面飞速提升。
示意图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
Moreover, the project is located at the core of the TOD of Fengpu Avenue Station on Line 5, enjoying the convenience of rail transit development.
而且项目位于5号线奉浦大道站TOD核心位置，纵享轨交发展便利。
The intersection of the two major east-west and north-south axes is the current Meigu Central Residential Area!
东西、南北两大重磅轴线十字交汇，即是当下的美谷中央居住区！
What's even more surprising is that the prices of new houses along the rail transit lines have reached 52,700 yuan per square meter at Fengxian New Town Station in the south, and have climbed to 42,700 yuan per square meter (the combined price of real estate and land) at Xidu Station, which is two stops away in the north. In Zuanqiao Station, which is seven stops away, the price has even reached 73,500 yuan per square meter!
更令人惊喜的是，轨交沿线的新房价格，南向奉贤新城站已到了5.27万/平，北向2站外的西渡也已攀升至4.27万/平（房地联动价），7站之外的颛桥更是达到了7.35万/平！
With a registered average price of only about 37,900 yuan per square meter, Fengfa Yunjing has directly become a floor-level presence along Line 5!
而奉发云境仅约3.79万/平的备案均价，直接成为5号线沿线地板级的存在！
The major development core where the two axes of the new city converge has unexpectedly become a price trough. With just two subway stops, the price is inverted by nearly 5,000 yuan per square meter, and with just seven subway stops, the price is nearly halved. Looking at the five new cities and even the entire Shanghai, such an opportunity is extremely rare!
新城双轴交汇的重磅发展极核，竟然成为价格洼地，2站地铁，价格倒挂近5000元/平，7站地铁，价格近乎腰斩，放眼五大新城甚至整个上海，这样的机会也是十分难得！
价格对比图 数据来源如图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
项目一房一价表如下：（实际以官方公示文件为准）
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
01
新城黄金发展轴线
引领奉贤下一个未来
2022年3月1日，东方美谷大道的正式启用，我们聚焦新城这东西向13公里核心段，一大批全新的奉贤地标即将登场！
示意图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
According to the official plan of Fengxian, the Dongfang Meigu Avenue will form five major clusters, creating distinctive development axes. From west to east, they are:
根据奉贤官方的规划，东方美谷大道将形成五大组团，形成特色鲜明的发展轴线，自西向东分别为：
The comprehensive industrial cluster: The Fengxian Industrial Comprehensive Development Zone, with the bonded zone at its core, is currently the strongest driving force for the entire Fengxian industry. Its industrial output value ranks first in the entire zone (the data cited is the output value of Fengxian's large-scale industrial enterprises in 2022, sourced from the Fengxian Bureau of Statistics). Meanwhile, a series of high-tech industrial parks have been laid out in advance along both sides of Meigu Avenue and are about to be put into use, seizing the next future.
产业综合组团：以保税区为核心的奉贤工业综合开发区，是目前整个奉贤产业的最强动力，工业产值位列全区榜首（引用数据为2022年奉贤规上工业产值，来源奉贤统计局），同时沿着美谷大道两侧已提前布局一系列高新产业园，即将投入使用，抢占下一个未来。
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
The renderings of Shanghai Fengxian Pharmaceutical Industrial Park
上海奉贤医药产业园 效果图
Urban renewal cluster: With the TOD construction of Fengpu Station on Line 5 as the core, it will layout the first comprehensive tertiary hospital in Fengxian, Xinhua Hospital Fengxian Campus (under construction), the large-scale public cultural building complex Hai Zhi Hua Citizen Center (expected to be operational in May, source: Fengxian official Weibo), Wanda Plaza (under construction), and the university town. With high-level supporting planning, it aims to create the Meigu Central Residential Area.
城市更新组团：以5号线奉浦站TOD建设为核心，布局奉贤首个综合性三级医院新华医院奉贤院区（在建）、大型公共文化建筑综合体海之花市民中心（预计5月运营 来源奉贤官微）、万达广场（在建）、大学城，高能级的配套规划，打造美谷中芯居住区。
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
Effect drawing
效果图
Ecological business cluster: Integrating the Caohejing Fengxian Park (the core area of the Oriental Beauty Valley industry), the country's first forest theater, Jiushu Future Art Center, a 10,000-mu forest park, the cultural garden Yanzi Academy (under construction), and the high-quality public activity area Xixiang (planned), etc., to shape a commercial and business, ecological and cultural center.
生态商务组团：融合漕河泾奉贤园区（东方美谷产业核心区）、全国首家森林剧院九棵树未来艺术中心、万亩森林公园、文化园林言子书院（在建）、高品质公共活动区西厢（规划）等，塑造商业商务、生态文化中心。
The real scene picture of Nine Trees is from the Internet
九棵树实景图 来源网络
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
The real scene pictures of Caohejing Fengxian Park + Forest Park are from the Internet
漕河泾奉贤园区+森林公园实景图 来源网络
Medical and health cluster: The Fengxian Branch of National Maternity and Infant Hospital and the Fengxian Dental and Dermatological Prevention Institute have been put into operation. The construction of the Fengxian Branch of Fudan Pediatrics is imminent. The high ground of women and children in South Shanghai is about to be fully presented.
医疗健康组团：国妇婴奉贤院区、奉贤牙皮防所已投入运营，复旦儿科奉贤院区建设在即，南上海妇幼高地即将全面呈现。
Meanwhile, along the line, there are also projects such as the Mei U Valley Industrial Community, the International Department of Shanghai High School (under construction), the Shanghai Academy of Agricultural Sciences, Longfor Sky Street, and Greenland Kangmei Valley (under construction), all flourishing in various fields including education, health care, culture, business, and ecology!
同时，沿线还有布局有美U谷产业社区、上海中学国际部（待建）、上海农科院、龙湖天街、绿地康美谷（在建）等，在教育、卫生、文化、商业、生态等各个领域全面开花！
Let's take a look at the so-called "triple integration" development of Meigu Avenue as officially referred to:
再来理解官方所谓的美谷大道“三生融合”式发展：
A strong industrial system guarantees production and employment.
强劲产业体系保障生产与就业；
All-round living facilities lock in the demographic dividend.
全能生活配套锁住人口红利；
An outstanding ecological environment creates a high-quality living experience!
卓越的生态环境营造高质感人居体验！
All of this is gradually becoming a reality.
这一切，都正在逐渐成为现实。
Sales office phone number of Fengfa Yunjing: 400-9939-964. Official phone number of Fengfa Yunjing: 400-9939-964
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
The schematic diagram of Dongfang Meigu Avenue is from the official Weibo account of Fengxian
东方美谷大道示意图 来源奉贤官微
Grasp the pulse of the new city's development, seize the initiative of The Times in advance, and the opportunity is right now!
把握新城发展脉动，提前占据时代先机，机会就在当下！
"Fengfa Yunjing", a brand-new project with a benchmark quality of state-owned enterprises, is located at the center of Dongfang Meigu Avenue and adjacent to Fengpu Avenue TOD. The registered average price is only 37,875 yuan per square meter. It has obtained the certificate and will start subscription on April 21st!
位于东方美谷大道C位、毗邻奉浦大道TOD的纯正轨交项目、国企标杆品质全新盘『奉发云境』，备案均价仅37875元/平，已取证，4月21日开启认购！
奉发云境 效果图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
02
02
The prime location of the golden axis is a large, livable TOD
黄金主轴C位 TOD宜居大境
The Meigu Zhongxin residential area has finally made its debut
美谷中芯居住区 终于登场
In the city of Shanghai, housing with rail transit without exception becomes the focus of the real estate market. The reason why people pay special attention to rail transit facilities is that rail transit lines are an extension of life. Its significance lies in being able to work more efficiently, expand the living radius and enjoy more high-quality facilities.
在上海这座城市，轨交房，无一例外都会成为楼市焦点，之所以格外的在意轨交配套，因为轨交线路是生活的延伸，它的意义在于能够更加高效的出勤、扩大生活半径享受更多优质配套。
The development of the TOD model for rail transit will focus more on transportation as the core priority, and on this basis, establish a central square or urban center to create a regional hub or core area integrating work, business, culture, education and residence.
而轨交TOD模式开发，将更加专注于以交通为核心重点、并在此基础之上建立中心广场或城市中心，打造集工作、商业、文化、教育、居住等为一身的区域枢纽、板块核心。
The golden main axis of the new city, Dongfang Meigu Avenue, collides with the Fengpu Avenue TOD of Metro Line 5 that directly connects to the urban area. The Meigu Central Residential area makes its debut in the prime position!
东方美谷大道这条新城黄金主轴，碰撞直连市区的轨交5号线奉浦大道TOD，美谷中芯居住区，C位出道！
Sales office phone number of Fengfa Yunjing: 400-9939-964. Official phone number of Fengfa Yunjing: 400-9939-964
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
区位示意图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
Fengfa Yunjing enjoys an excellent location within the area. It is only about 350 meters away from Fengpu Avenue Station (as measured by a map software), and it is within walking distance to the metro station, where you can transfer to Xinzhuang Line 1, providing a seamless connection to the city center in one stop.
奉发云境更是占据了区域内的绝佳位置，距离奉浦大道站仅约350米（来源地图软件测量），步行即可到达轨交站，换乘莘庄1号线，一站式与市区无缝畅联。
Apart from the Wanda Plaza (under construction), Xinhua Hospital Fengxian Branch (under construction), and "Flower of the Sea" Citizen Center (under construction) right at the doorstep, along Line 5 alone, there are many mature commercial complexes such as one Wanda Plaza, two Longfor Tiandi Streets, Nanqiao Baolian Business District, Fengxian Baolong, Zhongsheng World Mall, and capitaland Longmeng. The business districts that can be transferred from Line 1 to the city center are even more densely located.
除了家门口的万达广场（在建）、新华医院奉贤院区（在建）、 “海之花”市民中心（在建），单单5号线沿线，还有1座万达广场、2座龙湖天街、南桥百联商圈、奉贤宝龙、仲盛世界商场、凯德龙之梦等诸多成熟商业体，1号线换乘通往市区的商圈则更为密集。
轨交商业示意图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
Meanwhile, you can transfer to Metro Line 23 (under construction) at Dongchuan Road Station to reach Xuhui quickly, transfer to the south extension of Line 15 (planned) at Wangyuan Road Station to reach Changning and Baoshan directly, and transfer to Jiamin Line (under construction) at Yindu Road Station to connect to Hongqiao Hub quickly!
与此同时，可在东川路站换乘地铁23号线（在建）速达徐汇，在望园路站换乘15号线南延伸（规划）直达长宁、宝山，在银都路站换乘嘉闵线（在建）速联虹桥枢纽！
With Line 5, you can access the metro network covering the southern part of Shanghai!
凭借5号线，即可接入覆盖上海南部的地铁网络！
Fengfa Yunjing has also been able to integrate into the central urban area of Shanghai more quickly thanks to this metro network.
奉发云境也得以凭借此地铁网络，更加快捷的融入上海中心城区。
Schematic diagram of rail transit
轨交示意图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
纵观轨交沿线的新房价格，南向奉贤新城站已到了5.27万/平，北向2站外的西渡也已攀升至4.27万/平（房地联动价），7站之外的颛桥更是达到了7.35万/平！
价格对比图 数据来源如图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
With a price of only about 37,900 yuan per square meter, Fengfa Yunjing directly becomes a floor-level presence along Line 5!
而奉发云境仅约3.79万/平的价格，直接成为5号线沿线地板级的存在！
The major development core where the two axes of the new city converge has unexpectedly become a price trough. With just seven subway stops, the price has nearly halved. Such an opportunity might really pass in the blink of an eye!
新城双轴交汇的重磅发展极核，竟然成为价格洼地，7站地铁，价格近乎腰斩，如此机遇，或许真的会转瞬即逝！
Sales office phone number of Fengfa Yunjing: 400-9939-964. Official phone number of Fengfa Yunjing: 400-9939-964
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
03
03
Approximately 72-140 square meters of gold-quality units + all-age community. Fengfa Yunjing Sales Office Tel: 400-9939-964. Fengfa Yunjing official Tel: 400-9939-964
约72-140平金质户型+全龄社区奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
A successful debut is just around the corner
出道即红盘 首开在即
With its prime location, pure and regular delivery, high-quality state-owned enterprise development, and extremely high cost performance, Fengfa Yunjing is naturally a hit project from the very beginning!
宝藏地段+纯正轨交盘+品质国企开发+超高性价比，奉发云境自然是出道即红盘！
Since the project marketing center opened on March 11th, it has remained highly popular. On March 18th, the model house was opened and the capital verification was initiated simultaneously. It is reported that the number of capital verification customers has now reached over 500!
项目营销中心自3月11号开放以来，人气居高不下，3月18号样板房开放同时启动验资，据悉目前验资客户量已达到500+！
营销中心现场图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
The first batch will offer a total of 248 units in Buildings 1, 5 and 6 for sale. The unit types include approximately 72, 98, 99, 115 and 140 square meters with 2 to 4 bedrooms. Whether it's a first-time home buyer or an advanced home improvement, all are available in one go, meeting the diverse living needs of various family structures in one stop.
首批次将推售1、5、6三栋楼合计248套房源，户型涵盖约72、98、99、115、140平2-4房，无论是刚需首置还是进阶改善，通通一步到位，一站式满足了多重家庭结构的多元化生活需求。
All the units launched this time share a notable feature: high usable floor area ratio. The largest usable floor area ratio has reached an astonishing 82%, while similar units in the market are usually around 74%.
本次推出的户型都有一个显著特点：高得房率，最大的得房率达到了惊人的82%，而市场同类户型通常在74%左右。
In simple terms, for units of the same size, the higher the usable area ratio, the larger the actual usable area for the owner, which is equivalent to a lower unit price of the house!
通俗点说，同样面积的户型，得房率越高，业主的实际使用面积越大，相当于房屋单价更低！
All the units in the Yunjing series feature the enviable "panoramic bay Windows". Whether it's for storage and storage in the bathroom or for enjoying the views in the master bedroom and secondary bedroom, the multi-faceted bay Windows not only extend the space but also fulfill the interests of life.
云境全系户型都拥有令人艳羡的“全景飘窗”，无论是沐浴间置放收纳需求，还是主卧、次卧的瞰景享受，多面飘窗带来的不仅是空间的延伸，更是生活志趣的圆满。
Sales office phone number of Fengfa Yunjing: 400-9939-964. Official phone number of Fengfa Yunjing: 400-9939-964
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
效果图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
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上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
最新消息：
Latest news:
临港新片区功能核心区
Functional Core Area of Lingang New Area
1.5低容积率+湾区生态大境环绕
1.5 Low Floor area ratio+surrounding the ecological environment of the bay area
『奉发云邸』
Fengfa Cloud Mansion
其中高层160套；叠墅4套（两套上叠/两套下叠）
160 sets of high-rise buildings; 4 sets of stacked villas (two sets stacked up/two sets stacked down)
高层99㎡3房2厅2卫；127㎡3房2厅2卫
99 ㎡ high-rise with 3 rooms, 2 living rooms, and 2 bathrooms; 127 ㎡, 3 rooms, 2 living rooms, 2 bathrooms
别墅下叠138㎡3房2厅3卫+双层地下室
138 ㎡ villa with 3 bedrooms, 2 living rooms, 3 bathrooms and a double basement
上叠138㎡3房2厅3卫
Stacked 138 ㎡, 3 rooms, 2 living rooms, and 3 bathrooms
高层约：26000万/㎡
About 260 million yuan/square meter for high-rise buildings
别墅约：35000万/㎡
Villa: approximately 350 million yuan/square meter
『奉发云邸』
Fengfa Cloud Mansion
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
案场限流 看房提前来电预约登记
温馨提示：点击上方号码可拨打
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效果图
01
01
临港新片区+奉贤新城+长三角一体化
Lingang New Area+Fengxian New City+Yangtze River Delta Integration
三重辐射叠加 尽享发展利好
Triple radiation superposition enjoys the benefits of development
第一重：临港新片区
First priority: Lingang New Area
临港新片区自19年正式成立以来，作为“国家队”，其开发力度与速度都令人叹为观止，产业、城市建设、人口等多方面均取得了显著的发展成果。
Since its official establishment in 2019, the Lingang New Area, as a "national team", has achieved remarkable development results in terms of industry, urban construction, population, and other aspects with impressive development efforts and speed.
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
示意图 来源网络
Schematic Source Network
而海湾镇已被正式纳入新片区规划范围，其东部10平方公里则处于新片区产城融合区内。
Gulf Town has been officially included in the planning scope of the new area, and its eastern 10 square kilometers are located within the integration zone of industry and city in the new area.
通过三年的发展，海湾镇乘势快速崛起，集聚了三一重工、宁德时代等一批具有世界级影响力的企业。
Through three years of development, Haiwan Town has taken advantage of the momentum to rise rapidly, gathering a group of world-class influential enterprises such as Sany Heavy Industry and CATL.
示意图 来源网络
Schematic Source Network
奉发云邸售楼处电话：400-9939-964所在的海湾地区，位于临港新片区的战略联动区，在规划中是功能核心，将被打造成特色功能片区。
Fengfa Yundi Sales Office Phone: 400-9939-964 is located in the Bay Area, a strategic linkage area in the new Lingang area. It is the core function in the planning and will be developed into a characteristic functional area.
区域将围绕新能源汽车、精准医疗、生物医药和世界级大健康产业发展，打造“宜居、宜业、宜游、宜学”的湾区。
The region will focus on the development of new energy vehicles, precision healthcare, biopharmaceuticals, and world-class health industries, creating a bay area that is "livable, suitable for business, suitable for travel, and suitable for learning".
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
临港新片区空间结构图 来源上海发布
The spatial structure map of the new Lingang area is sourced from Shanghai
借助临港强势东风，核心规划+高能级产业的导入，将源源不断的为海湾注入发展动力！
With the strong east wind of Lingang, the introduction of core planning and high-energy industries will continuously inject development momentum into the Gulf!
第二重：长三角一体化
Second level: Yangtze River Delta integration
从地理上看，海湾镇位处杭州湾北部88公里海岸线的正心，天然占据了长三角一体化的战略机遇。
Geographically, Haiwan Town is located at the center of the 88 km coastline in the north of Hangzhou Bay, which naturally occupies the strategic opportunity of Yangtze River Delta integration.
目前令人感触最明显的，便是轨交的建设！
The most obvious thing that is currently touching is the construction of rail transit!
2021年6月，国家发改委印发《长江三角洲地区多层次轨道交通规划》（下称规划）通知，共涉及63条轨交，总投资1.36万亿。
In June 2021, the National Development and Reform Commission issued the Notice on Multi level Rail Transportation planning in the Yangtze Delta (hereinafter referred to as the Plan), involving 63 rail transit lines with a total investment of RMB 1.36 trillion.
其中涉及海湾的就有2条：沪乍杭高铁、市域铁奉贤线，规划明确将在“十四五”期间启动规划建设！
Among them, there are two lines involving the Gulf: the Shanghai Zhahang High Speed Railway and the Fengxian City Railway. The plan clearly states that the planning and construction will be launched during the 14th Five Year Plan period!
来源《规划》
Source: Planning
尤其是市域铁奉贤线（规划中），根据《规划》，其线路为自三林南出发，一路向南，经过奉贤金汇、奉贤新城、海湾镇，抵达奉贤站。
Especially the Fengxian Line (under planning) of the municipal railway, according to the "Plan", its route starts from Sanlin South and heads south, passing through Fengxian Jinhui, Fengxian New City, Haiwan Town, and arriving at Fengxian Station.
而在三林南站可换乘机场联络线（在建），该线起于虹桥枢纽，经过七宝、华泾、三林南、张江、度假区、浦东机场，接入上海东站。
At Sanlin South Station, you can transfer to the airport connecting line (under construction), which starts from Hongqiao hub, passes through Qibao, Huajing, Sanlin South, Zhangjiang, Resort, Pudong Airport, and connects to Shanghai East railway station.
奉贤线示意图 底图来源上海发布
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
来源上海发布 注释站点名称及换乘的规划线路均为暂名，以项目建成后正式命名为准
The station name and planned transfer route are both temporary names, and the official name after the project is completed shall prevail
借助轨交的升级，海湾的对外交通能力将大幅提升，无论是去奉贤新城、市区、临港，还是接入外省，都将十分便捷！
With the upgrading of rail transit, the external transportation capacity of the Gulf will be greatly improved. It will be very convenient to go to Fengxian New City, the urban area, the port, or access to other provinces!
而这也仅仅是长三角一体化为海湾带来的第一份大礼，交通先行后，将会带来更多资源及发展机遇。
And this is only the first major gift brought by the integration of the Yangtze River Delta to the Gulf. After transportation takes the lead, it will bring more resources and development opportunities.
轨交示意图 来源奉贤区规划资源展示馆
Schematic diagram of rail transit is from Fengxian District Planning Resources Exhibition Hall
第三重：奉贤新城
Third level: Fengxian New City
“十四五”规划以来，五大新城发展如火如荼，凭借着纵横立体路网，海湾可通过林海公路/浦星公路/沪金高速/金海公路等多条要道，快速抵达奉贤新城核心区域。
Since the 14th Five Year Plan, the development of the five major new cities has been in full swing. With a vertical and horizontal three-dimensional road network, the bay can quickly reach the core area of Fengxian New City through multiple major roads such as Linhai Highway, Puxing Highway, Shanghai Jin Expressway, and Jinhai Highway.
并且，藉由S3沪奉高速（建设中）、绕城高速、申嘉湖高速等纵横向干道组成立体路网，辐射大浦东黄金生活圈。
Moreover, a three-dimensional road network is formed through vertical and horizontal main roads such as the S3 Shanghai Feng Expressway (under construction), Ring Expressway, and Shenjiahu Expressway, radiating into the golden living circle of Pudong.
示意图
Schematic diagram
奉贤新城金海湖核心区 来源网络
Source Network of Jinhai Lake Core Area in Fengxian New City
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
另外，在《上海市奉贤区2035总体规划》中，奉贤“1+2+5+X”城镇框架体系中，海湾是奉贤区2035规划中发展的两大中心镇之一，发展能级仅次于奉贤新城。
In addition, in the 2035 Master Plan of Fengxian District of Shanghai, in the "1+2+5+X" urban framework system of Fengxian District, Haiwan is one of the two central towns developed in the 2035 Plan of Fengxian District, and its development level is only second to that of Fengxian New Town.
小结：自贸新区的产业导入，杭州湾的融合大势，头部企业的集群发展，在多重政策红利、轨交交通布局的双重加持之下，海湾或将成为上海下一个“置业风口”和极具潜力的“未来之星”！
Summary: With the industrial introduction of the Free Trade New Area, the integration trend of Hangzhou Bay, and the cluster development of leading enterprises, under the dual support of multiple policy dividends and rail transit layout, the Bay may become the next "home purchase outlet" and a potential "star of the future" in Shanghai!
示意图 来源网络
Schematic Source Network
02
02
一湖三公园 欧式风情街区
One Lake and Three Parks European Style Street Block
闲适生活 即刻开启
Leisure life immediately starts
健康生活、逃离喧嚣、重归自然、度假放松……这些都是目前城市居住生活所稀缺的东西。
Healthy living, escaping from the hustle and bustle, returning to nature, relaxing on vacation... These are all things that are currently scarce in urban living.
而以“上海闲适生活目的地”高调入市的奉发云邸售楼处电话：400-9939-964，拥有着煞羡旁人的优渥生态资源！
The Fengfa Yundi sales office, which has entered the market with a high profile as a "Shanghai Leisure Life Destination", has a phone number of 400-9939-964, possessing excellent ecological resources that envy others!
海湾森林公园实景图 来源网络
Source Network of Realistic Map of Gulf Forest Park
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
示意图 来源网络
Schematic Source Network
项目被海湾国家森林公园、碧海金沙、都市菜园3大国家级4A景区环绕，可享受16000亩天然绿肺，及数十里的黄金海岸线。
The project is surrounded by three national 4A scenic spots: Gulf National Forest Park, Blue Sea Sands, and Urban Vegetable Garden. You can enjoy 16000 acres of natural green lungs and dozens of miles of golden coastline.
直线距离约1.2公里外的星火体育公园，内含约2.7万㎡湖域，饭后茶余体验都市桃源的无限意趣。
Starfire Sports Park, about 1.2km away in a straight line, contains a lake area of about 27000m2. After dinner, you can experience the infinite interest of urban Taoyuan after tea.
同时，奉发云邸售楼处电话：400-9939-964 位处海湾镇行政中心板块，紧邻火车头城市广场，周边欧式风情街区浓浓的烟火气息，同样可享城市热闹，生活非常便捷。
At the same time, Fengfa Yundi sales office telephone: 400-9939-964 is located in the Administrative centre plate of Haiwan Town, close to the locomotive city square, and the surrounding European style streets are full of fireworks, which can also enjoy the city's bustling and convenient life.
碧海金沙 来源网络
Bihai Jinsha Source Network
星火公园 来源网络
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
火车头城市广场 来源网络
项目周边还分布有上海师范大学附属奉贤实验小学/中学、九年一贯制星火学校、海湾幼儿园等优质教育资源，教育配套相当完善。（学区已官方发布为准）
实景图 来源网络
03
03
国企奉发 十载峥嵘前行
Ten Years of Striving Forward for State Owned Enterprises
以品质匠作与城市共进
Jointly advancing with the city through high-quality craftsmanship
每一次惊艳的开场，都源于时间长河中品质与实力的深厚沉淀。
Every stunning opening comes from the profound accumulation of quality and strength over time.
作为心怀美好初心的城市缔造者，奉发集团以国企实力和担当，与时代浪潮中的奉贤共生共荣。
As a city builder with a beautiful original intention, Fengfa Group, with the strength and responsibility of state-owned enterprises, coexists and thrives with Fengxian in the wave of the times.
历经10年发展，奉发集团确立了以奉贤城市名片打造为核心，以房地产开发、基础设施投融资、建筑设计施工一体化、资产经营管理、城市服务为组合的“一核心五平台”产业格局，向一家综合实力强劲的区属国企跃进。
After 10 years of development, Fengfa Group has established a "one core and five platforms" industrial pattern with Fengxian City Business Card as the core, real estate development, infrastructure investment and financing, architectural design and construction integration, asset management, and urban services as the combination, leaping towards a district owned state-owned enterprise with strong comprehensive strength.
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
奉发集团标杆项目、奉贤第一高楼——中企大厦 图源网络
Fengfa Group's benchmark project, Fengxian's tallest building - China Enterprise Building Source Network
10年来，奉发集团将“匠心”镌刻至每一个工程建设中，为城市留下了“JW万豪酒店、南桥源、奉浦大道、冷江雨巷”等璀璨的建筑印记。
In the past 10 years, Fengfa Group has carved "ingenuity" into every project construction, leaving bright architectural marks such as "JW Marriott Hotels, Nanqiaoyuan, Fengpu Avenue, Lengjiang Yuxiang" for the city.
不辜负每一片热土，引领城市发展潮向，是奉发集团一直笃定的信念和追求。
To live up to every hot land and lead the trend of urban development is a steadfast belief and pursuit of Fengfa Group.
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
奉发集团标杆项目 JW万豪酒店 图源网络
承建项目先后摘得中国建筑工程最高荣誉——鲁班奖、上海市“白玉兰奖”等多个优质工程奖项，工程大师的每一次落笔，都是国企奉发实力的伟大印证！
在目前的房地产市场下，国企两个字，代表的就是品质和保障！
In the current real estate market, the word "state-owned enterprise" represents quality and security!
04
04
宽景轻墅 精工宽邸 全屋智能
Wide view light villa, precision craftsmanship, wide mansion, full house intelligence
高端改善一步到位
High end improvement in one step
建筑是回家的坐标和第一道风景，奉发云邸售楼处电话：400-9939-964的每个细节都倾注了奉发的精铸匠心。
The building is the coordinate and the first scenery for returning home, and every detail of the Fengfa Yundi sales office phone number: 400-9939-964 showcases Fengfa's precision casting craftsmanship.
建筑为新中式风格，既体现中式古典优雅、又有现代建筑的大气与沉稳。
The architecture adopts a new Chinese style, reflecting both classical and elegant Chinese style, as well as the grandeur and stability of modern architecture.
外立面采用了仿古铜金属铝板、石材干挂、Low-E钢化中空玻璃等高端建材，历久弥新、简约典雅。
The exterior adopts high-end building materials such as antique copper metal aluminum plate, stone dry hanging, Low-E tempered hollow glass, which are timeless, simple and elegant.
效果图
Renderings
社区内打造了中轴对称广维景观，酒店级轻奢入户大堂，配以自带商业的下沉广场，给与生活层次丰富的韵律感。
The community has created a central symmetrical and wide dimensional landscape, with a hotel level luxurious entrance lobby and a sunken square with its own commerce, giving a rich sense of rhythm to the living level.
同时还设有五重互动场域，分别是活力场域、健康场域、成长场域、颐养场域、精神场域等，可以满足全龄段住户的活动与社交需求。
At the same time, there are also five interactive fields, namely the vitality field, health field, growth field, leisure field, spiritual field, etc., which can meet the activity and social needs of residents of all ages.
整个小区容积率只有1.5，并且规划为南低北高的建筑形态，充分保证了每户的采光和视野，如此低密度社区，大大提高了居住的舒适度！
The Floor area ratio of the whole community is only 1.5, and the planned building form is low in the south and high in the north, which fully guarantees the lighting and vision of each household. Such a low-density community greatly improves the living comfort!
效果图
Renderings
更令人眼前一亮的还是奉发云邸售楼处电话：400-9939-964的两大主力产品：宽尺度全周期轻平层、会生长的轻别墅。
What is even more eye-catching is the two main products of Fengfa Yundi Sales Office, with phone numbers of 400-9939-964: wide scale full cycle light flat floors and growing light villas.
高层产品面积段约99-126㎡一梯两户，全明户型，南北通透，配有大面宽横厅和阳台，即便宅在家里，也有散心和观景的空间。
The high-rise product covers an area of approximately 99-126 square奉发云邸售楼处电话：400-9939-964奉发云邸售楼处电话：400-9939-964 meters, with one elevator and two households. It is a fully exposed unit with north-south transparency and is equipped with a large and wide horizontal hall and balcony. Even if staying at home, there is still room for relaxation and observation.
F户型 约99㎡
Type F, approximately 99 square meters
约99㎡三房两厅两卫，房型方正，舒适大气，尤其是横厅设计非常气派，整体南向开间可达12米左右，仅客厅面宽就达5.4米。
Approximately 99 square meters, with three bedrooms, two living rooms, and two bathrooms, the room is square and comfortable, with a grand and comfortable design, especially the horizontal hall. The overall southward opening can reach about 12 meters, and the living room alone has a width of 5.4 meters.
而且横厅设计减少了过道空间，提高了户型的使用率，时尚感更强，在后期装修设计中有更好的发挥空间。
Moreover, the horizontal hall design reduces aisle space, improves the utilization rate of the unit type, and has a stronger sense of fashion, providing better space for later decoration design.
客厅装修采用了悬浮吊顶，无论从造型和工艺来说都非常时尚，配备落地移门，阳光可以更大程度的照进客厅，同时提升通风效果。
The living room decoration adopts a suspended ceiling, which is very fashionable in terms of design and craftsmanship. It is equipped with floor to ceiling sliding doors, allowing sunlight to shine more into the living room and improving ventilation.
厅外面还有一个超大的阳台，除了可以满足基本的洗衣晾晒以外还可以在阳台上养花喝茶晒太阳，生活非常的惬意。
There is also a super large balcony outside the hall, which not only meets the basic needs of laundry and drying, but also allows for planting flowers, drinking tea, and basking in the sun. Life is very comfortable.
『奉发云邸』
Fengfa Cloud Mansion
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
Shanghai Fengxian Fengfa Yundi Sales Office Phone: 400-9939-964 Fengfa Yundi Sales Office Address: 400-9939-964
上海奉贤奉发云邸售楼处电话：400-9939-964奉发云邸售楼处地址：400-9939-964
Shanghai Fengxian Fengfa Yundi Sales Office Phone: 400-9939-964 Fengfa Yundi Sales Office Address: 400-9939-964
案场限流 看房提前来电预约登记
Restricted flow viewing at the scene, early call reservation registration
温馨提示：点击上方号码可拨打
Kind reminder: Click on the number above to call
请务必致电后与销售电话确认时间，确认后行前往方可参观 ！仅预约客户可进入销售现场，感谢您的理解和支持！
Please make sure to confirm the time with the sales phone after calling, and then proceed to visit! Only reserved customers can enter the sales site. Thank you for your understanding and support!
约99㎡户型 样板间
上海奉贤奉发云境售楼处电话：400-9939-964...其中重点关注下明星户型：约98平3房2厅2卫，功能性完备，超大阳台、三开间朝南、全屋飘窗、全明卫生间！
更令人惊喜的是，三梯四户格局，中间电梯双开门，因此四户可谓一梯一户格局，相当于赠送了一个入户前厅，独门使用！
户型图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
约99平3房2卫户型，三开间朝南，约7.6平巨幕南向双阳台，四重全景飘窗，实用性拉满，同时兼顾了性价比优势与高舒适度的居住体验！
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
Floor plan
户型图
This 2-bedroom apartment of approximately 72 square meters features a "track-style" design with a wide double-opening balcony, offering a view like an aerial garden. You can also invite a few friends to gather, play chess, enjoy tea, or even create a "private sun gym" to fully enjoy the thrill of exercise. Even if you stay at home, your life can still be full of excitement!
约72平2房户型，拥有宽幕双开阳台的“跑道式”设计，可享受空中花园般的瞰景视野，还可邀三两好友欢聚、对弈品茶，甚至打造一个“私人阳光健身房”，畅享运动快感，即使宅家，生活也能精彩无限！
For young people, this apartment type not only has a low total price and a very friendly entry threshold, but also can meet the small joys of life, which is truly rare.
对于年轻人来说，该户型不仅总价低，上车门槛十分友好，而且还能满足生活的小确幸，实属难得。
户型图
更有约115平宽适3房2卫户型、约140平奢阔4房2卫户型，满足更高的改善需求！
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
户型图
除了一众神户型，奉发云境的社区规划同样很出彩。
项目采用公建化立面设计，通过通透的大玻璃面、金属材质的点缀等元素，打造时尚、简约的现代建筑风格。
效果图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
Effect drawing
效果图
Internally customized theme gardens for all-age vitality and social interaction: Lin Yue House, Forest Road, Companion Journey, Fangdian Realm, Children's Dream Garden, Forest Residence Secret Realm and other theme life gardens.
内部定制全龄活力社交的主题园林：林樾之户、森林之路、陪伴之旅、芳甸之境、童梦花园、森居秘境等主题生活园境。
At the same time, a central living room, a health running track, an entrance landscape axis and other all-age interactive Spaces are created to enjoy a golden life.
同时打造中央会客厅、健康跑道、入户景观轴等全龄互动空间，畅享金质生活。
效果图效果图
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
The project has obtained the certificate. The subscription will start on April 21st. Friends who are interested, please make an appointment and sign up as soon as possible!
项目已取证，4月21日开启认购，感兴趣的朋友抓紧预约报名！
Sales office phone number of Fengfa Yunjing: 400-9939-964. Official phone number of Fengfa Yunjing: 400-9939-964
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
04
04
12 years of dedication and craftsmanship
12年奉发匠心打造
The strength and responsibility of state-owned enterprises are trustworthy
国企实力与担当 值得信赖
The development positioning of Fengfa Yunjing is to become a high-quality commercial housing project along Dongfang Meigu Avenue, with the aim of becoming one of the new image business cards of Fengxian New Town.
奉发云境的开发定位，是成为东方美谷大道沿线超高品质商品房，以成为奉贤新城新形象名片之一为标杆。
Its developer, Fengfa Group, has been deeply rooted in Fengxian for 12 years, engraving "craftsmanship" into every construction project. It has left behind brilliant architectural imprints such as "JW Marriott Hotel, Nanqiaoyuan, Fengpu Avenue, and Lengjiang Rain Lane" for the city, coexisting and thriving together with Fengxian in the tide of The Times.
而其开发商奉发集团，12年来深耕奉贤，将“匠心”镌刻至每一个工程建设中，为城市留下了“JW万豪酒店、南桥源、奉浦大道、冷江雨巷”等璀璨的建筑印记，与时代浪潮中的奉贤共生共荣，
Not letting down every piece of land and leading the trend of urban development have always been the firm beliefs and pursuits of Fengfa Group. The strength and responsibility of its state-owned enterprise are self-evident.
不辜负每一片热土，引领城市发展潮向，是奉发集团一直笃定的信念和追求，其国企实力和担当，自然不言而喻。
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
The benchmark project of Fengfa Group and the tallest building in Fengxian - China Enterprise Tower. Image source: Internet
奉发集团标杆项目、奉贤第一高楼——中企大厦 图源网络
After 12 years of development, Fengfa Group has established an industrial pattern of "one core and five platforms", with the creation of Fengxian's city brand as the core and real estate development, infrastructure investment and financing, integrated architectural design and construction, asset operation and management, and urban services as the combination, making a leap towards becoming a strong district-owned enterprise with comprehensive strength.
历经12年发展，奉发集团确立了以奉贤城市名片打造为核心，以房地产开发、基础设施投融资、建筑设计施工一体化、资产经营管理、城市服务为组合的“一核心五平台”产业格局，向一家综合实力强劲的区属国企跃进。
The projects it has undertaken have successively won many high-quality engineering awards, including the highest honor in China's construction industry - the Luban Award and the Shanghai "Magnolia Award". Every stroke of the master of engineering is a testament to the strength of the state-owned enterprise Fengfa.
承建项目先后摘得中国建筑工程最高荣誉——鲁班奖、上海市“白玉兰奖”等多个优质工程奖项，工程大师的每一次落笔，都是国企奉发实力的印证。
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
Shanghai Fengxian Fengfa Yunjing Sales Office Tel: 400-9939-964...
上海奉贤奉发云境售楼处电话：400-9939-964...
The prime location of the new city's golden main axis
新城黄金主轴C位
Meigu Central Core Residential Area
美谷中芯居住区
The TOD of Line 5 has been handed over on a purely regular basis
5号线TOD纯正轨交盘
Crafted with meticulous care by a powerful state-owned enterprise
实力国企匠心打造
"Fengfa Yunjing"
『奉发云境』
Approximately 72 to 140 square meters, 2 to 4 bedrooms
约72-140平2-4房
The registered average price is only 37,875 yuan per square meter
备案均价仅37875元/平
Subscription has been obtained and will start on April 21st!
已取证 4月21日开启认购！
Sales office phone number of Fengfa Yunjing: 400-9939-964. Official phone number of Fengfa Yunjing: 400-9939-964
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
奉发云境售楼处电话：400-9939-964奉发云境官方电话：400-9939-964
上海奉贤奉发云境售楼处电话：400-9939-964...
信贷业务作为贷款行业中的一种，在中国出现的时间不长，但近几年发展迅猛，也越来越有成为主流的趋势，参与到信贷这个行业的新人也越来越多。而作为信贷行业中的新人，可能对信贷还没有具体的了解，本文会介绍一些信贷的基础知识以及信贷的操作流程，帮助大家能更了解信贷这个行业。
一、信贷
(一)含义
信贷有广义和狭义之分。广义的信贷指一切以实现承诺为条件的价值运动形式，包括存款、贷款、担保、承兑、贴现等活动。狭义的信贷专指银行的信用业务活动，包括银行与客户往来发生的存款业务和贷款业务。
(二)基本特征
1、偿还性:存款有存有取，贷款有借有还且均需支付一定的利息，这是信贷的重要特征。
2、周转性:任何存贷款都是不断周转的，如果存款存取中断，贷款收放中断，信贷也就中断
3、融通性:存款存存取取，贷款收收放放信贷通过存贷过程对社会资金在时间和空间上灵活调计，在各经济单位间相互融通。
4、效益性:以取得利息收入为目的。
二、信贷业务
(一)含义
信贷业务是商业银行最重要的资产业务，通过放款收回本金和利息，扣除成本后获得利润，所以信贷是商业银行的主要赢利手段。
银行利用自身实力或信誉为客户提供资金融通，并以客户支付融通资金的利息、费用和偿还本金或最终承担债务为条件，对客户提供的各类信用的总称，包括贷款、贴现、承兑、信用证、担保等或有资产业务。即银行信贷是银行筹集债务资金、借出资金或者提供信用支持的经济活动。
(二)种类
1、按用信对象可以分为法人客户（对公客户）类信贷业务和自然人客户 （个人客户）类信贷业务。
2、按期限可分为短期信贷业务，期限在1年以内(含1年)、中期信贷业务，期限在1年至5年之间(含5年)和长期信贷业务和长期信贷业务，期限在5年以上。(要根据借款人收入状况、经营周期、还款方式核定贷款的期限来判定)
3、按是否提供担保可分为信用方式办理的信贷业务和担保方式办理的信贷业务，担保方式包括保证、抵押和质押三种。
(1)信用贷款:基于借款人的信用发放的贷款
(2)保证贷款:保证人为履行借款合同项下的债务向银行提供担保，在借款人不履行债务时，保证人承担连带担保责任。
(注)不能作为保证人的有:
①国家机关、学校、幼儿园、医院等以公益为
目的的事业单位和社会团体。
②企业法人的分支机构、职能部门，但企业法人的分专机构由法人书面授权的。可在授权范围内提供保证。
(3)抵押贷款:抵押人不转移对其所拥有所有权、处分权的财产的占有，以该财产作为抵押物向银行提供担保，当借款人不履行债务时，银行以抵押物折价、拍卖、变卖所得款项优先受偿。
(注)不能作为抵押物的有:
①土地所有权。
②耕地、宅基地、自留地等集体所有的土地使用权。
学校、幼儿园、医院等以公益为目的的事业单位、社会团体的教育设施、医疗卫生设施和其他社会公益设施。
③所有权、使用权不明或有争议的财产。
④依法被查封、扣押、监管的财产。
(4)质押贷款-出质人将其拥保存整页为图片>利移交银行占有，当借款人不履行债务时，银行有权按照质押合同的约定以质押物折价、拍卖、变卖所得价款优先受偿。
常见的可以质押的有:汇票、存款单、仓单、提货单、股权、应收帐款等。
注意事项:
①抵押及质押要按规定办理抵押及质押手续，没有办理登记手续的，银行的债权得不到优先受偿。
②在办理抵押或质押时要注意的三个问题:抵质押物产权是否清晰、是否足值、是否易于变现。
③质押分为动产质押与权利质押。动产质押与抵押的不同在于对财产是否转移占有。抵押物的权属是清晰的，是抵押人所有并可以支配的，抵押物的权属不发生变化;同时没有银行的同意，是不可以变卖和出租的，而且抵押物是易于变现的。
④按会计核算的归属划分，表内信贷业务，主要包括贷款、商业汇票贴现等；表外信贷业务，主要包括商业汇票的承兑、保证、信用证等。
(三)常见的信贷业务品种:
1、流动资金贷款:银行向借款人发放的用于正常生产经营周转或临时性资金需要的贷款。
2、固定资产贷款:银行向借款人发放的用于固定资产投资项目的中长期贷款。
3、房地产开发贷款:属于固定资产贷款的一种，银行向借款人发放的用于房屋建造、土地开发过程中所需资金的贷款。
4、个人住房贷款:银行向借款人发放的用于其在辖区内购买、建造各类住房的个人贷款。
5、汽车消费贷款:银行对借款人在特约经销商处购买汽车的个人借款人发放的贷款。
6、其他消费贷款:银行对借款人除住房及汽车外的其他大额消费而发放的个人贷款。
7、银行承兑汇票:指银行作为付款人，根据出票人的申请，承诺在汇票到期日对收款人或持票人无条件支付汇票金额的票据行为。
8、贴现:指银行承兑汇票的持票人将未到期的银行承兑汇票转让与银行，银行按票面金额扣除贴现利息后，将余额付给持票人的一种融资行为。
三、信贷的基本要素
信贷的基本要素总共有七种，分别为:
七大要素包括:
(1)业务对象(贷款对象)
1、公司客户:工商行政管理机关(或主管机关)核准登记的企(事)业法人、其他经济组织。
2、个人客户:包括经工商登记的个体工商户及具有中国国籍、完全民事行为能力的自然人。
(2)金额
银行向客户提供单笔信贷业务或额度授信及额度使用的具体数额，贷款金额要根据借款人的承贷能力、担保条件、贷款用途等综合考虑。
(3)期限
分为短期、中期、长期，个人住房贷款期限的一般不超过30年。
(4)利率
在央行规定区间的基准利率基础上，根据借款人贷款风险、贷款的综合收益、市场资金供给情况、资金筹集成本等因素，实行浮动利率。最低下浮10%，个人住房贷款最低下浮30%。
(5)用途
不同的信贷业务有不同的用途，尤其关注用途是否真实、合法，贷款用途是否在营业执照规定的范围内，是否属于国家严禁或限制的项目，贷款不能流入股票、期货市场及不能进行权益性投资，挪用资金是一种危险的信号。
(6)贷款方式
分为信用贷款、担保贷款
担保是保证借款人还款或履行责任的第二还款来源。担保的方式有保证、抵押、质押等。
(7)还款方式
主要分为以下三种，即等额本息还款法、等额本金还款法、按月付息，到期还本法。
1、等额本息还款法
(1)每月还款金额相同，方便记忆;
(2)前期每月还款少，故还款压力小;
(3)此种还款方式，一般可申请较长的贷款期限(10年甚至更长)，还款压力降低，适合项目周期较长，回款较慢的客户。
2、等额本金还款法
(1)前期每月还款多，总利息支付比较少:
(2)同等额本息还款法，一般可申请较长的贷款期限(10年甚至更长)。
3、按月付息，到期还本法
每月仅需支付利息，不需偿还本金，资金利用率高;较适合资金周期率快，回款周期短的客户
四、信贷业务基本操作流程
信贷管理是一个由诸多环节环环相扣的全流程管理过程，任何一个环节出现问题，都会引发信用风险和操作风险。每个环节的职责都有具体的部门和岗位去落实。
一般来说，可以把信贷业务的操作分为三个部分，即贷前、贷中和贷后三个基本环节。
(一)贷前:贷款受理、贷款调查、贷款审查、贷款审批
1、受理
初步审查申请人的主体资格、用途、各项收入情况(第一还款来源)、保证人或担保物(第二还款来源)是否符合银行的要求。
申请人提供的资料必须提供原件与复印件核对，客户经理核对无误后，在复印件上盖“与原件相符”印章，并签名确认。在受理阶段，借款人可能不会一次性提供所有的资料，客户经理可从申请人的主体资格、银行流水或报表等材料初步判断贷款是否可行。
2、贷前调查
贷前调查实行双人调查制度，客户经理对所调查的内容进行事实认定，并在贷款档案的调查报告中分别签名确认。
调查内容包括借款人的基本情况、经营情况、财务状况以及贷款用途、担保物的产权和变现能力
其中借款人若为公司客户的，主要通过实地考察和对财务报表的分析，判断借款人的偿债能力，并且在分析财务状况时，应根据连续几期的财务数据纵向对比，揭示财务变化趋势，尤其应注意与行业水平进行横向对比，综合反映企业实际经营管理水平。
3、贷款审查
主要对资料、数据进行复核审查，如有必要应实地了解核实，审核的主要内容有:
(1)手续、资料是否齐全;
(2)分析是否正确;
(3)是否符合政策及制度的规定。
4、贷款审批
贷款审批人员对贷款进行审核，并提出最终的意见或决策。根据贷款的风险状况，出具贷款审批意见，审批通过的应全面提出防范风险的意见和措施，并明确贷款的种类、金额、期限、利率、担保方式、还款方式、操作管理要求、法律文书签订等要素。
(二)贷中:签订合同、贷款发放
1、签订合同
客户经理要依据贷款审批意见，审查合同是否填写准确、完整，合同附件是否齐全;合同、借据应用正楷清晰填写借款人名称、用途、金额、期限、利率等要素，填写内容不得涂改，如确实需要涂改的，需要合同各方当事人签章确认。
2、贷款发放
贷款资金监督管理审查借款人提出的书面提款申请资料，确认满足提款条件后将贷款资金发放至借款人专用或指定银行账户。
(三)贷后:贷后检查、贷款到期的处理、贷款档案管理
1、贷后检查
贷后检查，重点要掌握贷款资金的流向，尤其要检查贷款是否被挪用;对未按合同约定使用的，应查明原因并提出处置意见和建议等。
若发现问题应及时预警，按照合同约定采取风险化解措施;风险重大的，立即向上级报告，履行有关审批手续后，采取信贷措施。
2、贷款到期的处理
即到期催收，短期到期前10天、中长期到期前30天以电话、短信或书面等方式联系借款人，督促其到期还款。借款人还清贷款本息后，将抵、质押的权利凭证交还抵、质押人，办理抵、质押移交手续。若是采取分期还款模式，借款人可根据资金情况提前归#发文集龍卡瓜分百万现金#还部分或全部贷款，但需事先征得贷款人的同意
