A. Introduction We are interested in the lending services of Hong Kong and Shanghai Banking Corporation Limited (HSBC) because nowadays many people have impulsive consumption behavior to get a loan. We think that loan services are important for financing a vacation or making a tax payment, depending on the customer's needs. We will search the HSBC website to find useful information on lending services. It is because HSBC's information is credible and useful.B. Features / characteristics of banking products or services We choose personal installment loan and revolving credit line. A personal installment loan is an HSBC loan that allows you to borrow up to HKD800,000 and repay the loan in fixed installments. The features of Personal Installment Loan are :• Quick approval of loan request and cash withdrawal within 5 minutes to meet your immediate liquidity needs.*• You can redesign the amount you need or the entire principal repaid without requesting again**.• Borrow a personal loan of up to HKD800, 000 or 8 times your monthly salary, whichever is lower.• Enjoy great rates: the higher the personal loan, the lower the interest .• Enjoy a 6 to 48 month personal loan repayment plan based on your needs.• Proof of income is not required if you have maintained a payroll account with HSBC in the last month. Irregular income earners (including clients working on a part-time, commission or profit-sharing basis) are required to provide proof of income for the last 3 months.*Applications must be submitted during Bank service hours (Monday-Friday: 9:00-20:00, Saturday from 9:00 to 13:00, accepts public holidays or the opening hours of individual branches) with all the requested information (even without...... paper medium......in the app to provide to customers. Increase HSBC image of the bank Customers must consider when choosing loan services that has sufficient capacity to repay a debt and rate of expensive interest. Works Cited 1) Hong Kong Institute of Bankers, Essentials of Banking and Financial Planning Study Manual. , 2006, chapter 2, pp. 1-222) Hong Kong Institute of Bankers, Hong Kong Banking System and Practice, 4th edition, 1998, chapter 7, pp.102-119 Website1. http://www.hsbc.com.hk/1/2/home2. http://wiki.answers.com/Q/What_are_the_Advantages_and_disadvantages_of_a_bank_loan#slide23. http://www.standardchartered.com.hk/borrow/loans-revolving-cash-card.html4. http://www.hsbc.com.hk/1/2/special/loans/rcf5. http://www.standardchartered.com.hk/borrow/loans-personal-instalment.html6. http://www.hsbc.com.hk/1/2/hk/loans/pil