I. Application conditions
1. The borrower shall be an enterprise, institution, legal person and other economic organization approved and registered by the administrative department for industry and commerce (or the competent authority), and shall have the business license issued by the administrative department for industry and commerce and the organization code certificate issued by the annual inspection and technical supervision bureau;
2. Holding a loan certificate/card issued by the People's Bank of China;
3. The purpose of the loan conforms to the national industrial policy and relevant laws and regulations;
4. The borrower has a sound management organization and management system;
5. The enterprise is in good operating, financial and credit conditions, and has the ability to repay the loan principal and interest on time;
6. There is a guarantee approved by Yunnan Rural Credit Cooperative;
7. The borrower opens a basic account or ordinary account in Yunnan Rural Credit Cooperative;
8. Meet the requirements of other relevant loan policies of Yunnan Rural Credit Cooperatives.
Two. Submit information
1, loan application;
2. Certificate or power of attorney from the legal representative of the enterprise, resolutions of the board of directors and articles of association;
3. Business license (copy) of the enterprise (legal person) that has passed the annual examination;
4. The audited financial statements and recent financial statements of the borrower in the last three years;
5. Other documents and certificates required by Yunnan Rural Credit Cooperatives.
Third, the handling procedures
1. The applicant applies for a loan from Yunnan Rural Credit Cooperative and provides the corresponding application materials;
2. Yunnan Rural Credit Cooperatives investigate borrowers and approve loans; ?
3. Both parties sign a credit contract;
4. The borrower applies for withdrawal;
5. Yunnan Rural Credit Cooperatives shall review the application for withdrawal, and if it meets the payment conditions, the borrower shall make independent payment or entrust payment.
Extended data:
I. Types of loans
According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years;
According to the loan method, it can be divided into secured loans and credit loans, among which secured loans are divided into guarantee, mortgage and pledge.
According to the way of use, it can be divided into working capital loans that are applied one by one and audited one by one, and working capital loans that can be recycled within the agreed time limit and quota.
Second, interest rates.
The interest rate of working capital loan shall be determined according to the interest rate policy of the People's Bank of China and the loan pricing method of the legal person operating institution of rural credit cooperatives.
Third, the time limit.
The longest term of working capital loan shall not exceed 3 years.
Four. Applicable customers
The borrower shall be an enterprise (institution) legal person or other economic organization approved and registered by the administrative department for industry and commerce (or the competent authority).
Yunnan province rural credit cooperative-working capital loan