I. Loan conditions:

1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.

2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.

3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.

Second, the loan process:

(1) Credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average.

(2) Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades.

(3) Issuing loan vouchers.

(4) loan application. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid ID card (or household registration book).

(5) loan issuance. After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel (or the doorman personnel), fill in the loan receipt, and then use the loan according to the regulations.

(6) Repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.

Extended data

The characteristics of credit cooperatives' loans The main business of credit cooperatives is rural credit, and its business processes and technical operations are basically the same as those of national specialized banks. Therefore, the systems and measures of national specialized banks on rural credit management are equally applicable and binding in credit cooperatives. However, because the nature, status and role of credit cooperatives are different from those of national specialized banks, they have their own characteristics in the specific operation of loans:

First, the majority of credit cooperatives' loan targets involve all kinds of ownership and fields in rural areas, including:

1. Contractors, specialized households and rural cooperative business units engaged in agriculture, forestry, animal husbandry, fishery and other industries.

2, approved by the relevant departments to implement independent accounting of township (town) office, village office, organization office, household office and various forms of joint venture or new economic consortium.

3 rural cultural, educational and health research institutions with guaranteed operating income and repayment.

4, approved by the relevant departments engaged in handicrafts, commerce, transportation, construction, service industry and other rural individual economic households and economic associations. In addition, credit cooperatives with strong financial strength can also provide loans to enterprises and institutions within the credit scope of national specialized banks. Of course, due to the nature of credit cooperatives, the focus of their loan support is agricultural production, and others can only support according to their abilities on the premise of meeting the demand for agricultural production funds.

Second, the flexibility of loan management The flexibility of credit cooperatives' loan management refers to the credit cooperatives' independent credit business under the guidance of the policies, decrees and plans of the party and the state, in accordance with the principle of proportional management, giving full play to the role of private lending and inducing the rational flow of rural funds.