2. You need to settle the loan of rural credit cooperatives before you can borrow, or you can apply to other banks.
3. The loan officers of rural credit cooperatives lend illegally. The loan officer of rural credit cooperatives is the backbone of the survival and development of rural credit cooperatives, shouldering the heavy responsibility of absorbing deposits, issuing loans, revitalizing funds and serving the masses. However, due to the influence of various unhealthy trends in society, individual credit officers use their powers to issue loans in violation of regulations, which damages the image of credit cooperatives and endangers the safety of credit funds. Judging from some cases of violation of discipline and law detected in recent years, a considerable part of the situation of "clearing first and then increasing" of non-performing loans is caused by the irregular operation of credit personnel. Therefore, analyzing the root cause and harm of illegal lending behavior of credit personnel may be helpful to further strengthen credit management, prevent credit risks and improve the safety factor of loans.