1. The lender must be a legal citizen of China and can provide valid identity information.
Two, in the credit cooperatives to open a basic account or general account.
III. Indicate the purpose and legality of the loan.
Fourth, prove your solvency.
5. Promise to pay back when due, otherwise the bank will raise interest or auction the property;
Six, according to the specific circumstances of the lender, there may be other requirements.
With a loan of 200,000 yuan in a rural credit cooperative, the staff will review the lender's conditions and verify whether the lender has the repayment ability. If the lender has no repayment ability, it needs a guarantor. Interest will be generated during the loan period, but compared with private loans, this is a relatively safe loan method with relatively low interest.
The earliest rural credit cooperatives in China appeared in the1920s. 65438-0955, after the establishment of China Agricultural Bank, it undertook the management task of rural credit cooperatives. 1957 the draft model charter of rural credit cooperatives was revised again.
1958 65438+February, the State Council and the Central Committee of the Communist Party of China * * * issued the Decision on Improving the Rural Finance and Trade Management System to Adapt to the People's Commune Situation and Implementing the Method of "Two Liberalization, Three Unification and One Package", and also promulgated the Provisions on the Work of the Credit Department of People's Commune and the Liquidity of State-owned Enterprises.
1962, the Central Committee of the Communist Party of China issued the "Decision on Strengthening the Centralized and Unified Work of Banks and Strictly Controlling the Issuance of Currency", decided to restore rural credit cooperatives, and drafted the "Provisions on Several Issues of Rural Credit Cooperatives", which formally brought credit cooperatives into the track of state management.
1977 1 1 In June, the State Council issued "Several Provisions on Rectifying and Strengthening Banking Work" and "Decision on Implementing Cash Management", and rural credit cooperatives embarked on the road of "from private to government-run".
1on February 23rd, 979, the State Council issued the Notice of the State Council on Restoring the Agricultural Bank of China, and the rural credit cooperatives were changed from the management leadership of the People's Bank to the management leadership of the Agricultural Bank.
1984 China Agricultural Bank submitted the Report of China Agricultural Bank on Reforming the Management System of Credit Cooperatives to the State Council, which was approved by the State Council and forwarded to the whole country: "Restoring the cooperative financial nature of credit cooperatives", proposing to establish county-level credit cooperatives, and initiating the establishment of rural credit cooperatives by new merger on the basis of rural credit cooperatives and their cooperatives. The registered capital is paid-in capital, and the minimum amount is RMB 3 million.
1August 22, 996 Guo Fa [1996] No.33 "Decision of the State Council on the Reform of Rural Financial System", rural credit cooperatives are completely decoupled from China Agricultural Bank, and business management and financial supervision are undertaken by rural credit cooperatives and county branches of the People's Bank of China respectively. The document also pointed out: "In areas with a high degree of urban-rural integration, commercial credit cooperatives have been reorganized and merged to form rural cooperative banks, which are joint-stock commercial banks."
From 65438 to 0997, the People's Bank of China promulgated the Regulations on the Management of Rural Credit Cooperatives. 1999 by 2000, a large number of county-level cooperatives were established all over the country as a single legal person, as well as municipal cooperatives, provincial cooperatives or provincial credit cooperatives. 200 1 Rural cooperative banks and rural commercial banks were reorganized and established.
On June 27th, 2003, the State Council issued the Notice on Deepening the Reform of Rural Credit Cooperatives, and formulated the general requirements of "clarifying the property right relationship, strengthening the restraint mechanism, enhancing the service function, giving appropriate support by the state, and making local governments responsible".