The second is to complain to the local banking association.
The third is to complain to the local banking supervision branch or the People's Bank of China.
Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.
If you still don't get your reasonable request, the competent unit of the financial institution will get the loan without any application, and the regulatory authorities will show it to you. This is not an illegal credit union for the personnel department of the Associated Press and the bank.
As long as the bank violates the rules, you will be fine. This is a rural credit cooperative, a township, which has something to do with banks. Sometimes for the sake of everyone's face, it is impossible to borrow money, and a stable income is needed. Then complain to your county.
If it weren't for you, the loan from the credit union had nothing to do with the bank. Go to the leader of this credit union. Being sentenced to fixed-term imprisonment of not more than five years or criminal detention means going to the relevant department of the municipal credit cooperative before you complain about it.
Countermeasures to prevent credit default;
To prevent the occurrence of credit violations, we must further strengthen the restraint of credit discipline, enhance the sense of urgency of managers at all levels of rural credit cooperatives, strengthen the education and guidance of employees, continuously improve the execution of credit management system, prevent "inaction" and moral hazard in credit work, and prohibit the occurrence of "chaos", obedience and habitual violations.
(1) Establish an effective restraint and supervision mechanism to prevent violations. First, improve the risk restraint system centered on the separation of loan and audit, implement quantitative control of loan risk and hierarchical control of approval authority, implement corresponding power constraints on credit decision makers and managers at different levels, and implement corresponding post responsibility constraints and functional constraints on different positions and departments, so as to urge all credit personnel to strictly implement the credit system, prevent abnormal interference of human factors on credit work, and prevent credit personnel from practicing fraud and other behaviors; The second is to establish a strong supervision mechanism, mainly to strengthen supervision at the higher and lower levels, and to implement it step by step; Strengthen parallel supervision and form a mechanism of parallel division of labor, mutual restraint and mutual supervision; Strengthen external supervision, give play to the external supervision role of banking supervision, industry management and administrative law enforcement departments, and make up for the irregular supervision caused by the possible failure of internal supervision and checks and balances mechanism; Strengthen audit supervision, strengthen the follow-up supervision of system implementation with the most powerful supervision and handling means, and make the last pass well.
(two) improve and perfect the credit responsibility system and accountability system, curb and investigate violations. In line with the principle of "equal rights and responsibilities, linking risks with benefits", standardize credit management responsibilities, establish a risk prevention responsibility system, and decompose risk prevention responsibilities from top to bottom. And risk prevention will be included in the assessment content of the business target responsibility system and the leadership term target responsibility system, so as to achieve the equality of rights, responsibilities and benefits. The risk loans formed should be thoroughly cleaned up, and the responsible persons should be divided, and the responsible persons should be responsible for the collection of the responsible loans. Personal compensation system can be implemented for those responsible for risk losses, and those responsible for major risks and losses should be investigated for their legal responsibilities.
(three) the implementation of standardized operation of credit management, standardize business practices. First, formulate reasonable and standardized regulations on pre-loan investigation, borrower's credit evaluation, loan approval, issuance, management and collection, so that all credit managers know what to do, what not to do, how to do it and when to do it, and reduce the risk of new loans caused by improper credit operation caused by human factors; The second is to establish a scientific evaluation mechanism, and formulate clear evaluation criteria for the degree and requirements of implementing the system in each post, employee and link, so that each employee can understand the degree, requirements and efforts of implementing the system, and also provide operational basis for organizing the evaluation and inspection of the implementation of the employee system; The third is to introduce a technical rigid constraint mechanism. Through the continuous improvement and upgrading of the credit management system of rural credit cooperatives, technical rigid constraints are established, and those who have not gone through various operation links and electronic instructions for approval will not be confirmed by the system, thus ensuring the standardization of customer access and loan approval.
(D) Strengthen the education and guidance of employees and improve the execution of the credit system. First, we should actively strengthen the education and training of the system and establish a regular compulsory training system, so that every grass-roots employee can fully grasp the content and main points of the system, and make him deeply understand the significance, function, importance and urgency of the implementation of the system, as well as the serious consequences that may occur if it is not implemented, and effectively enhance the rational understanding and implementation awareness of the system of grass-roots employees; Second, vigorously advocate the advanced corporate culture of rural credit cooperatives, combine the promotion of system execution with the practice of corporate culture spirit, improve the consciousness of "dedication" to implement the system, make corporate culture become the internal spiritual driving force for employees to improve the system execution, vigorously publicize the advanced models of system construction and system implementation through actively carrying out some publicity activities on system learning, extensively carry out positive education, and motivate employees and guide their behaviors with typical people and things around them; The third is to establish an effective reward and punishment mechanism. By establishing a reward and punishment mechanism, employees will be positively motivated to implement the system, and violations will be effectively restricted, thus ensuring the implementation of various systems. On this basis, comprehensive use of various means to cash rewards and punishments, forming a long-term mechanism to guide employees to consciously implement the system.
Legal basis:
Crime of defrauding loans, bill acceptance and financial bills in Article 175th of the Criminal Law of People's Republic of China (PRC). Whoever obtains loans, acceptance bills, letters of credit or guarantees from banks or other financial institutions by fraudulent means, thus causing heavy losses to banks or other financial institutions, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also or only be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.
If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.