Farmers can apply for formal loan products through local rural credit cooperatives, rural commercial banks, postal savings banks and agricultural banks.

1. Rural credit cooperatives

Rural credit cooperatives provide credit loan products for farmers, and the loan amount is relatively low, with a general maximum loan amount of 50,000. The specific loan application process is as follows:

1) Apply for a loan from the local rural credit cooperative. After receiving the application, the rural credit cooperative will evaluate the applicant's credit rating and issue a loan certificate;

2) Farmers bring loan vouchers and valid identity documents to the rural credit cooperatives to directly apply for loan products;

3) Rural credit cooperatives accept loan applications and review the purpose and amount of loans;

4) After approval, notify the borrower to sign a loan contract, and then issue the loan.

2. Rural commercial banks

Rural commercial banks can issue production and living loans to farmers within the approved public credit line and period. The specific application process is as follows:

1) Contact the customer service of the local rural commercial bank and put forward the loan application requirements;

2) The credit rating of farmers is evaluated by the loan officers of rural commercial banks;

3) Farmers who meet the credit conditions of rural commercial banks can prepare identity certificates, loan use certificates and other materials to apply for related loan products;

4) Rural commercial banks verify the loan amount, loan interest rate and loan term, sign loan contracts with farmers, and then issue loans.

Second, rural credit cooperatives loans: how to evaluate the credit rating of farmers?

Recently, some netizens asked the platform about loans from rural credit cooperatives. Here, I take Mr. Tang, who lives in Hebei, as an example to tell you about Mr. Tang's predicament and solutions, which may provide you with reference.

Mr. Tang wants to set up a small processing factory in his hometown. The factory has been built, but he still needs about 654.38 million yuan of financial support and wants to borrow 654.38 million yuan from rural credit cooperatives. Mr. Tang turned to the platform for help and asked what procedures were needed to handle rural credit. How is the credit rating of farmers evaluated? Can he apply for a loan of 6,543,800 yuan?

In fact, Mr. Tang asked about the procedure of applying for loans from rural credit cooperatives, which is similar to ordinary bank loans. Only some details need to be paid attention to. I will introduce some information about rural credit cooperatives to you in detail.

How to evaluate the credit rating of farmers?

Credit cooperative loans, like other loans, also need to evaluate the credit rating of farmers. Generally speaking, the credit rating of farmers is divided into excellent, good and general credit rating.

1. The standard of "excellent" grade is:

(1) Borrowed from a credit union within three years and repaid the principal and interest on time, with no bad record;

(2) The per capita net income of the family is more than 2,000 yuan;

③ Self-owned funds account for more than 50% of the funds needed for production.

2. The standard of "better" grade is:

(1) has a stable and reliable income source and basically does not owe loans;

② The annual per capita net income of families is above 654.38+10,000 yuan.

3. The standard of "general" grade is:

(1) families have basic labor force;

② The annual per capita net income of families is above 500 yuan.

So you can also see which credit rating you belong to in advance! In a word, credit cooperative loan has its unique advantages, which well reflects the country's concern for rural farmers and provides quite convenient help for rural residents. The era of being unable to move because of lack of funds has passed!

If you have problems with your cash flow, then choosing a credit cooperative loan is definitely a conscience recommendation!

Thirdly, when evaluating the credit rating of micro-credit loans of rural credit cooperatives, a farmer has the following three conditions: ① to lend to rural credit cooperatives within three years and repay the principal and interest on time. ...

Fixed credit rating and standard

Fourth, demand: farmers need to apply for loans from credit cooperatives, saying that they want to participate in the credit organized by rural credit cooperatives. ...

Complain to the credit union