Agricultural Development Bank is different from Agricultural Bank. Agricultural Development Bank is a policy bank, which mainly supports agricultural projects and agricultural development, and does not support personal loans. Individuals who need loans go to major commercial banks, such as workers and peasants China Construction, CITIC, Pudong Development, Xingye and Minsheng ~ ~ ~ ~ ~

Second, the project, agricultural development bank loans?

If Nick gives you a written answer, in practice, has anyone told you that the project has been established? Project establishment is not a formal step in the whole loan process of Agricultural Development Bank. Generally speaking, you have to look at the level of the bank that accepts your loan. At present, the county branches of the Agricultural Development Bank have no power of examination and approval, only the right to lend.

3. Made a loan from the Agricultural Development Bank?

Setting up a project doesn't necessarily mean that you can get a loan.

The establishment of the project only means that the bank's loan conditions are basically met. At this time, the bank will invest manpower and material resources to conduct further loan investigation, so as to gain a deeper understanding of the customer's business situation and the necessity and feasibility of the loan. After the loan investigation, the bank will submit the results to the backstage for loan review, and the backstage will submit them to the loan review committee for loan review, and the members of the loan review committee will vote to decide whether to approve the loan. If the loan is approved, the loan can only be formally approved after the president signs it. It should be noted that the president only has the veto power, that is, the president can veto the loan project agreed by the loan review Committee; However, the president has no right to approve loans for projects not approved by the loan review meeting. Four, the steps of the Agricultural Development Bank of China National Forest Loan

The steps of forest savings loan of Agricultural Development Bank are as follows.

The asset-liability ratio of rural borrowers shall not be higher than 70%.

To apply for loans for fixed assets, real estate and other projects, the owner's rights and interests of the borrower and the proportion of self-raised funds must comply with the provisions of the State Council, and complete, standardized and effective documents must be submitted.

Unless otherwise stipulated by the State Council, the accumulated amount of equity investment shall not exceed 50% of its net assets; Rural borrowers must go through the annual inspection procedures according to the requirements of the People's Bank of China.