Fast loan of rural commercial banks means that when users apply for mortgage loans, they provide loan guarantees through mortgage companies, and banks issue loans to users in advance before users have completed the mortgage procedures of related properties, so that buyers and sellers can complete the business of paying the house price in advance.

It should be noted that fast loans need to bear a certain guarantee fee, and the guarantee company will sign a letter of guarantee with both parties to the transaction. If anything happens, the subject matter of the transaction will become collateral

Two, Chongqing rural commercial bank housing fast loan interest first, then return the capital in the first few years.

Chongqing Rural Commercial Bank pays interest in advance for real estate fast loan, and returns the principal in 10. Chongqing Rural Commercial Bank 10 year revolving loan needs to repay the principal every year. According to the relevant regulations of the bank, the principal needs to be repaid once a year and the interest needs to be repaid every month. At present, banks use houses as collateral, and the longest cycle can be 3 years, 5 years, 10 years.

Three, talk about the methods and measures of non-performing loans in rural commercial banks.

The first part: Talking about the methods and measures for the collection of non-performing loans in rural commercial banks.

At present, the collection work is the top priority, and all rural commercial banks attach great importance to it. How to do a good job in the collection of non-performing loans, so as to effectively implement and promote the collection of non-performing loans and ensure a superficial understanding of non-performing loans, the following methods are adopted.

First, raise awareness, high

The collection of bad loans has entered the industry. It is necessary to establish a "protracted war", publicize the momentum, attach great importance to judicial collection, focus on breaking through the collection of illegal loans and large loans, promote the collection process at a high speed, and form a good collection atmosphere in which you fight for each other. One by one, the "white-black" work system was implemented, all staff were mobilized, and they went door to door without giving up every bad loan. It is necessary to strengthen leadership, create remarkable results, strengthen organizational guarantee, service guarantee and system guarantee, overcome difficulties and do solid work.

Second, leaders take the lead and the responsibility lies with the people. The heads of the head office and branches should take the lead, clarify the scope, objectives and objects of collection, implement the collection responsibility of the credit field personnel, issue the collection plan, so that everyone has the task, pressure and motivation, and fully tap the enthusiasm and subjective initiative of the credit field personnel to collect loans.

Third, find out the situation, take multiple measures simultaneously, and overcome difficulties.

First, find out the specific situation of each non-performing loan, carefully analyze it, take one policy for one household and take multiple measures simultaneously, and formulate different recovery plans for different borrowers.

The second is to use contacts and "love" to tackle key problems. The collection team showed their love for the Qing Dynasty. Once you don't see anyone, keep looking for you two or three times. I can't touch each other during the day and come to the door at night. The third is to collect loans with "reason". Convince people by reasoning, supplemented by legal propaganda and policy attack, and clarify the credit policy of "borrowing and returning, it is not difficult to borrow again" and the troubles brought to life by entering the blacklist of dishonesty. Cultivate and awaken people's conscience of honesty and trustworthiness, and influence people in difficulty.

The fourth is to strengthen the "responsibility" collection. For those who are dishonest and deliberately delay the ceremony, explain the fierce relationship between the consequences and the arrears, use the government's collection platform, strive for the cooperation of the legal department, and vigorously crack down on the behavior of evading debts, so that they can feel a strong collection offensive.

The fifth is "one household, one meter" loan collection. For long-term migrant workers and needy households, make different repayment plans, sign collection notices and repayment plans.

Four: non-performing loan collection reward

Reasonably formulate reward standards, reward personnel, and strictly implement the distribution principle of "whoever recovers the income". Commend those with good collection effect, and the Head Office will reward those with total collection in stages, which is exciting, and punish the branches and responsible persons who have completed the phased tasks.

Chapter II: Rural Commercial Banks Take Various Measures to Collect Non-performing Loans Rural Commercial Banks Take Various Measures to Collect Non-performing Loans Since the establishment of rural commercial banks, rural commercial banks have attached great importance to the collection and revitalization of non-performing loans, and taken various measures to collect and revitalize non-performing loans in light of their actual work, which has achieved remarkable results. Prevention and management, establish an effective internal control mechanism to prevent the formation of non-performing loans from the source. Strengthen, curb the formation of non-performing loans from the institutional mechanism, and implement a strict package compensation system. Whoever issues, who is responsible, who authorizes, who is responsible, and who has payment authority, as long as punishment is imposed, strict accountability will be imposed, and whoever issues will be responsible for paying the bill; Implement a hierarchical system of loan officers and customer managers, and clarify responsibilities and rights; Strengthen the construction of credit team. Due to historical reasons, the loan officers of rural commercial banks are aging and have low education level. In recent years, credit teams with high academic qualifications and real qualifications have been selected every year. According to the analysis of historical data, the bad rate of male loan officers is higher than that of female loan officers, so it is a trend to select female employees, gradually change the structure of loan officers and improve the level of credit teams. Self-collection, internal daily collection and the establishment of a special collection team coexist, and internal collection is normalized. Rural commercial banks will inform each branch of the collection of non-performing loans at each regular meeting of the president of the expenditure bank, keep abreast of the collection of non-performing loans at the grassroots level, new non-performing loans and their reasons, urge backwardness, encourage advanced, speed up the collection and prevent new ones; Who is responsible for the implementation, who is responsible for the authorization. Once a new non-performing loan is formed, the handling personnel will strengthen the collection, follow the principle that whoever introduces will guarantee and whoever uses will repay, and recover the non-performing loan in a short time to avoid further deterioration of the non-performing loan. The Head Office has set up a special collection team for non-performing loans, and carefully selected personnel with strong sense of responsibility and rich experience in the collection of non-performing loans within its jurisdiction to form a collection team, which is responsible for organizing, coordinating, being responsible for and guiding the collection of non-performing loans throughout the Bank. In addition, the Bank encourages retired credit officers aged over 45 and over 55 to join the collection team, refine their responsibilities, assign tasks, ensure the orderly collection of non-performing loans, and formulate special non-performing loan collection rewards. Implement the mechanism of internal subscription of non-performing loans and full participation in collection. Set the goal and task of NPL collection, the supporting unit subscribes NPL, implements the subscription responsibility layer by layer, establishes a perfect incentive method for NPL subscription, rewards the excellent and punishes the poor according to the completion of NPL collection, implements a differentiated return mechanism, and fully mobilizes the enthusiasm of all employees for NPL collection. Through the above measures, we can realize the normalization of income collection. With the help of external force, classified identification and classified disposal. After non-performing loans are identified, the bad situation of each loan is distinguished and the causes of non-performing loans are subdivided, which are divided into three types: public security bureau filing a case for collection and discipline inspection commission collection. Collect information widely according to classification. For those who maliciously evade debts but still have the financial strength to repay them, they should strengthen coordination with the enforcement court and implement them centrally through judicial channels, which not only reduces the litigation cost, but also strengthens the enforcement. Those who forge official seals or disguise public officials to defraud loans are submitted to the Public Security Bureau for the crime of forging official seals, and a series of effective measures, such as summoning, filing a case, criminal detention and arrest, have had a certain impact on society and achieved certain results; If the loans overdue borrowed or guaranteed by public officials is bad, the Commission for Discipline Inspection will take the lead to fully promote the collection of non-performing loans of state public officials, report and communicate with the leaders of their units, strive for understanding and support, and explain to them the "three stops" policy, that is, suspension, no pay, suspension without promotion, no appointment, no evaluation, no salary increase, no appointment and corresponding disciplinary actions, so as to be promoted. Strengthen the construction of credit projects and create a good financial credit environment. On the one hand, coordinate the positive role of local governments in the construction of financial environment, accelerate the construction of county credit and the purification of social credit environment, guide enterprises and individuals to abide by the law in good faith, cultivate good credit awareness, and strive to build an honest society. On the other hand, with the help of the development of Jin Yan Express Loan Link, the way of "one-time approval, loan with use, balance control and recycling" is adopted to reasonably determine the credit line, give loan support and create a good atmosphere of county trustworthiness, which not only realizes a virtuous circle of funds, but also creates a good financial credit environment.

Chapter III: Measures for Collection of Non-performing Loans; Measures for Collection of Non-performing Loans of Hedong Sub-branch.

In order to improve the quality of credit assets of rural credit cooperatives and ensure the smooth transition of rural credit cooperatives to rural commercial banks, the following collection methods are formulated in combination with our actual situation:

Internal organization, leadership and evaluation:

1. Strengthen the assessment of employees' responsibilities, and establish a household collection ledger according to the areas where employees are responsible;

2. Strengthen the performance-based salary assessment of employees, and divide the overdue loans classified by Grade 5 and Grade 4 into ten days and months on a monthly basis. The unfinished tasks in ten days will be promptly warned, and the unfinished tasks will be assessed on a monthly basis according to the detailed standards formulated by the agency except the assessment standards issued by the county association;

3. Strengthen the labor discipline inspection. During the collection of non-performing loans, no leave is allowed unless there are particularly important matters.

External communication and coordination:

1. Strengthen contact with village groups, resident cadres and overdue borrowers, and collect money by phone or at home;

2, take the easy first and then difficult, the whole village to promote, the implementation of household collection;

3. We should carefully find out the reasons for loans overdue. Loans overdue was caused by internal reasons, and the relevant personnel must be held accountable. It is external reasons that lead to an effective collection plan.

4. Policy propaganda, credit project construction and the establishment of rural commercial banks promote each other.

Hedong branch

20 12 September 8th

Chapter IV: Collection of Non-performing Loans

In order to comprehensively do a good job in the collection and disposal of non-performing loans and ensure the smooth completion of the collection and disposal of non-performing loans. Combined with the current situation of non-performing loans collection and disposal of rural credit cooperatives in the county, our county union attaches great importance to it and carefully analyzes and studies it. The specific analysis and main reports for the next four months are as follows:

I. Basic information

By the end of xx, the balance of various loans in the county was xx billion yuan, and the balance of non-performing loans was xx billion yuan, which was divided into five categories, accounting for xx%, including: subprime loans, doubtful loans and loss loans. The balance of non-performing loans decreased by xx billion yuan compared with the beginning of the year, accounting for xx percentage points lower than the beginning of the year.

By the end of xx, 2009, there were xx non-performing loans below 1 10,000 yuan (inclusive), including xx subprime loans, xx doubtful loans and xx loss loans. Among them, according to the formation time, it is divided into xx yuan before xx years, xx yuan after xx years and xx yuan after xx years; According to the forms of expression, it is divided into: collective personal loan of xx million yuan, enterprise personal loan of xx million yuan, government personal loan of xx million yuan, other personal loan of xx million yuan, and enterprise loan of xx million yuan.

Second, the collection measures

In recent years, the rural credit cooperatives in our county regard the collection of non-performing loans as the main line of credit management, and make great efforts to pay close attention to the work of "double decline" in accordance with the working ideas of "implementing responsibilities, innovating methods, relying on oneself, not relying on others, relying on external forces and reasonable operation".

First, according to the actual situation of the county, rationally allocate tasks, analyze and find the formed non-performing loans one by one, and then comb them into braids according to the actual situation and make classified policies;

Second, conscientiously implement the "xx" method to collect non-performing loans, do a good job in managing the source of new loans, and prevent the formation of new non-performing loans and prevent the former from increasing after cleaning up;

Third, adopt the methods of combining classified collection with comprehensive collection, combining household meetings with key breakthroughs, and combining needy households with loan officers to carry out collection selectively, purposefully and emphatically;

Fourth, vigorously promote "one yuan", "ten yuan", "one hundred yuan" and "one thousand yuan" loan collection methods, so as to collect loans every day, month, quarter and year, and never stop repaying loans;

Fifth, improve the methods and systems for cleaning up non-performing loans, formulate practical incentives for cleaning up loans, and impose heavy rewards and penalties, and implement the methods of cleaning up and rewarding. Whoever collects a sum of money will get a prize, which will fully mobilize the enthusiasm of the liquidators and improve the enthusiasm and initiative of the credit officers.

Sixth, actively communicate with the county government and various functional departments, regularly report the current work priorities and existing problems, obtain the support of the county government, actively coordinate with the judicial organs, increase the enforcement of clearing and pending cases according to law, further investigate the non-performing loans with repayment ability, and force borrowers who are dishonest and ignore the law to repay according to law, so as to preserve assets to the maximum extent.

Third, the problems existing in the collection

First, the poor credit environment makes it difficult for "debtors" to collect bad loans. Poor credit environment is a "hotbed" for debtors. There are many public officials among "creditors". Although local government departments have repeatedly issued documents to cooperate with rural credit cooperatives to settle debts by administrative means, many loan-related units mostly have the phenomenon of "only thunder and no rain", and the effect of clearing debts is not obvious. Most of the "debtor households" who are not public officials are lucky enough to escape the debts of credit cooperatives by going out to hide debts and refusing visas. For these "deadbeat debtors", no matter how hard the loan officer tries, it will not help.

Second, the lack of policy support makes it difficult for agricultural economic organizations to collect non-performing loans. In the 1980s and 1990s, rural credit cooperatives were weak in self-management, and the administrative intervention of governments at all levels led them to issue a large number of low-quality loans to some village-run agricultural economic organizations such as paper mills and cement plants. With the loss, disintegration and closure of these economic organizations, this part of the loans of rural credit cooperatives has also settled down. Most of these loans have a long term, a large amount and a wide range. Due to the lack of corresponding national policy support, it is quite difficult to collect such non-performing loans.

Third, agricultural economic risks are high and it is difficult to collect small non-performing loans. Because farmers have not yet formed large-scale agricultural management, their individual ability to resist risks is small, and once natural and man-made disasters occur, their debts are often difficult to repay. The complexity of the market economy also makes small self-employed people in cities often lose their money and cannot repay their debts on time. This part of non-performing loans has the characteristics of small single amount, large number of households and wide distribution. In addition, many loans went out to work or do business, and some families moved out and their whereabouts were unknown. To revitalize this kind of non-performing loans, if we simply rely on loan officers to collect loans from door to door, the workload will be huge, which will inevitably affect the normal business development.

Four. Countermeasures to resolve non-performing loans

First, establish a system of principal responsible persons and strictly define responsibilities.

The principal responsible person system, that is, the first responsible person system, is a management system that adapts to the needs of rural credit cooperatives' credit business exhibition, and takes responsibility for the role and behavior of decision makers in all aspects of decision-making on the basis of separating loan review and clarifying post responsibilities and departmental responsibilities. The establishment of the principal responsible person system is to further clarify the management responsibilities of decision-makers who have decision-making power in all aspects of credit decision-making, which is conducive to standardizing credit decision-making behavior and overcoming the disadvantages that credit business has been submitted for approval step by step for many years, and one person bears the responsibility or is called collective responsibility, and no one actually bears the responsibility. This is another innovation of the credit management system. Through the establishment of the principal responsible person system, we will further strengthen the responsibility consciousness of the responsible person, ensure that the responsible person strictly and conscientiously performs his duties, * * * be responsible for the stable issuance of credit business, * * * be responsible for improving the quality of credit assets, * * * be responsible for preventing and defusing loan risks, and establish an effective credit risk supervision mechanism.

The second is to strengthen institutional constraints and strictly investigate responsibility.

Calmly analyze the reasons why credit management is not standardized and the phenomenon of "three violations" has been repeatedly banned for many years, except for the credit management system

In addition to the imperfection of the degree itself, there is a more prominent reason, that is, there are rules that are not followed, and violations are not investigated or strictly investigated, which makes credit personnel have a sense of luck and dependence, and develops a bad habit of correcting violations while correcting them or only checking violations and not seriously correcting them. The credit business is in a state of laissez-faire, which can be said to have brought us a painful lesson. In order to ensure the healthy and rapid development of credit business and change the lazy thinking of credit personnel as soon as possible, it is necessary to further clarify the responsibilities of relevant personnel in all decision-making links of investigation, review and approval through system construction and standardize the behavior of the main responsible persons.

The third is the loan investigation system within the scope of authorization.

The loan principal must be fully recovered within the time limit agreed in the contract. If the loan fails to be recovered in time, the reasons shall be found out and their respective responsibilities shall be confirmed according to the actual situation. Loans that cannot be recovered due to force majeure can be postponed. If it is caused by human factors, it is necessary to investigate non-performing loans. If there is overdue loan, the loan officer shall bear 80% of the compensation liability, the deputy director in charge of credit of the credit cooperative shall bear 10% of the compensation liability, and the director of the credit cooperative shall bear 65438. If there are two overdue loans, in addition to the above compensation, the loan officer will be suspended for collection, and only living expenses will be paid during the suspension. If you don't accept it within three months, you will be laid off. If there are more than three overdue loans, in addition to economic compensation, the labor contract shall be terminated and the director and deputy director of the credit cooperative shall be given a demerit.

The fourth is the loan investigation system beyond the scope of authorization.

Credit cooperatives should go through loan officer post, review post and assessment post when approving loans beyond the authorized scope. If the loans are not recovered (except for force majeure factors), the loan officer is responsible for 70% recovery, the review post is responsible for 10% recovery (the main person in charge is responsible for 5%, and the rest is responsible for 5%), and the review post is responsible for 20% recovery (approval) if two loans are not. If it is not recovered within three months, it will be laid off to collect it; If the loan is overdue for more than three times, in addition to economic compensation, the labor contract shall be terminated, and the director and deputy director of the credit cooperative shall be given a demerit, and the relevant personnel of the credit cooperative shall be punished.

The fifth is to establish a collection incentive mechanism.

Our county association has formulated the Detailed Rules for the Management and Collection of Non-performing Loans, established an incentive mechanism for the collection of non-performing loans, and defined the payment methods for the collection of non-performing loans, as follows:

Non-performing loans recovered before 1978 shall be paid as xx, and the interest shall be recovered; Non-performing loans recovered before 1979- 1985 shall be paid at x0% of the interest recovered; 1986- 1996 recovered non-performing loans shall be paid at x% of the recovered interest; 1997-2002 Non-performing loans recovered shall be paid at X% of the interest recovered; Non-performing loans recovered in 2003-2005 shall be paid at x% of the recovered interest; To recover non-performing loans, non-performing loans that have been replaced, and remaining loans after the disposal of debt-paying assets, the principal and interest shall be paid according to X. The above rewards shall be declared and recovered by the credit cooperatives on a monthly basis, audited by the audit department of the county association, and directly sent to the collection personnel. In the process of collection, because the borrower's funds were not in place at that time, they could not be recovered temporarily, but each household who could sign a collection notice and make a repayment plan at the lender was rewarded 1 yuan.

The sixth is to explore the establishment of a "blacklist" sanctions system.

The establishment of "blacklist" sanctions system is of great significance for improving the credit environment of rural credit cooperatives and enhancing the credit awareness of loan customers. Customers who have bad behaviors such as not paying back on time, not paying interest in time, and changing the use of loans without authorization will be sanctioned by the "blacklist" system. It is suggested to strengthen communication with professional banks and postal savings, and establish a credit platform for network interoperability and information sharing. Customers with bad records should be blacklisted not only by rural credit cooperatives, but also by all financial institutions. Similarly, for those who have bad records in other financial institutions, our rural credit cooperatives also impose sanctions on them with a "blacklist" system, which forms a strong "financial ban" trend for borrowers who do not speak credit and maliciously evade debts, thus gradually improving the "credit environment" of the financial system.

Chapter V: Cleaning up Non-performing Loans Non-performing loans also refer to abnormal loans or problem loans, which refer to loans where the borrower fails to repay the principal and interest of commercial banks on time according to the original loan agreement, or there are signs that the borrower cannot repay the principal and interest of commercial banks on time according to the original loan agreement. Non-performing loans refer to loans that have been defaulted. Generally speaking, if the borrower fails to repay the principal and interest within three months, the loan will be regarded as a non-performing loan. When banks determine that non-performing loans cannot be recovered, they should write off these loans from profits. When overdue loans cannot be recovered but have not been determined, the provision for bad debt losses shall be listed on the books.

overdue loans

Refers to overdue (including overdue) loans that cannot be repaid (excluding sluggish loans and bad loans). dead loan

Refers to loans that are overdue (including due after extension) for more than 2 years (including 2 years) and cannot be repaid. Although it is not due or overdue for less than 2 years, it has been produced.

ICBC released a quarterly report that the non-performing loan ratio dropped to 3.6%, and loans for business and projects (excluding non-performing loans) have been stopped. bad debt or loan

Refers to the loan that the borrower and guarantor fail to pay off after declaring bankruptcy according to law and making compensation; Loans that cannot be paid off after the borrower dies or is declared missing according to the laws of People's Republic of China (PRC) shall be paid off with his property or inheritance; Due to major natural disasters or accidents, the borrower is really unable to repay part or all of the loans with huge losses, or the loans that cannot be repaid after insurance settlement; The lender's proceeds from disposing the loan collateral according to law are not enough to offset the collateral; Loan projects approved for write-off by the State Council.

For debtors, non-credit enterprises and individuals who have the ability to repay but refuse to repay, non-performing loans should be cleared through legal means according to law. Under the premise of proper custody, actively dispose of and realize off-balance-sheet debt-paying assets in advance through transfer, reorganization and lease. In the process of collecting non-performing loans, institutions can take effective measures according to the actual situation, as long as the measures are legal and compliant, the effect is obvious, which is conducive to mobilizing the enthusiasm of credit marketers. Intensify the accountability of non-performing loans, so that each non-performing loan is implemented to the people and collected within a time limit. It is necessary to strengthen the management of newly issued loans, be legal and compliant, and resolutely put an end to collecting loans by loans and collecting interest by loans to prevent the increase of non-performing loans. Hit the snake and hit seven inches ",attack its key points, make full use of its strength, and skillfully collect non-performing loans. For some non-performing loans formed by relationship loans and assessed loans, especially government workers and collectors take the initiative to negotiate with their departments, report to their department leaders according to the borrower's attitude and repayment commitment, and urge them to pay off their non-performing loans with the help of the pressure of their unit leaders.

Flexible collection, by putting pressure on the guarantor, urges him to repay the debt in kind or sell effective assets to repay the loan. Due to poor management, the borrower closed the factory and repeated collection failed. After investigation, the guarantor has the ability to compensate and can recover the loan by putting pressure on the guarantor. On June 30, 2007, the borrower Yang borrowed 49,000 yuan from our branch. After the expiration on June 30, 2008, he was unable to repay and has been in arrears with interest. The collection staff learned that Yang had about 2 mu of factory for rent, and the guarantor Zhang had a balance of about 30,000 yuan in his settlement account. The collection personnel provided relevant information to the Executive Board of lanshan district in time and sealed it at that time. Feeling the pressure, the guarantor took the initiative to contact the borrower and cashier, and finally agreed that the guarantor Zhang bought the borrower Yang's factory, paid off the loan and revitalized the loan.

Through the procuratorate and other power departments, the non-performing loans are collected by deducting and sealing up according to law. In the process of collection, borrowers who fail to actively cooperate with the repayment of non-performing loans for many times can explain the situation and take measures such as litigation, execution and seizure to forcibly recover the loans. Borrower Xu Moumou borrowed RMB 270,000 from our branch on March 13, 2006, and it was due on September 13, 2006. After the loan expires, it has been in arrears. After research and decision by the sub-branch, the loan was directly litigated, and the loan principal and all interest arrears were deducted from the guarantor's Wu Mou account through the court, thus saving the loan.

Specific analysis of specific problems, it is a good policy to agree on installment repayment. For some non-performing loan households, in order to minimize losses, it is unrealistic to repay all loans at one time. According to the borrower's credit status, it is also a good strategy to sign an installment repayment agreement with them. The borrower Wang Moumou borrowed 47,000 yuan from our branch. Considering the borrower's actual situation, we signed an installment repayment agreement with him, with monthly repayment of 1.500 yuan. Up to now, the loan balance is still 29,000 yuan. )

"Release water and raise fish" to revitalize non-performing loans. For non-performing loans with real difficulties, after on-the-spot investigation by credit personnel, considering that the projects operated by the borrower have certain market prospects and development potential, credit support can be given appropriately according to the credit rating and credit rating to help them develop projects and gradually repay loans. For example, aquaculture loans, in particular, are easy to form non-performing loans after a long time, but they have certain market prospects. We can consider the credit status of business households and breeding projects, and give appropriate credit funds to help tide over the difficulties, so as to better repay the loans.

How to better collect non-performing loans?

1. Investigate the borrower's actual repayment ability (income, expenditure, assets) to determine whether he has repayment ability but no repayment intention; If you have the ability to repay, strengthen recourse and collect in writing. If you still don't repay the loan, it means that the borrower subjectively has the intention of malicious breach of contract. Therefore, the best way is not to seek recourse through the economic investigation department of the Public Security Bureau.

2. If the borrower does have the problem of insufficient short-term repayment ability, but the business situation is improving for a long time, the repayment period can be re-determined by debt restructuring, and the primary repayment source can be cultivated by cultivating students and raising interest, so that the borrower can repay the loan through its own efforts and improve its business performance;

3. If the borrower's short-term and long-term solvency is insufficient, and there is no positive trend in its operation, severe measures should be taken to preserve its assets, seize the collateral or recourse the guarantor's guarantee responsibility.

Four, rural commercial banks hourly loan conditions

Rural commercial banks issue loans by the hour. If I want to borrow 20 thousand yuan, what's the interest? The loan period is one year.