The Measures for the Administration of Loan Files of the People's Construction Bank of China stipulates that:

Article 7 According to the different preservation and utilization values of various loan projects, the preservation period of RMB loan files can be divided into three types.

Where the national key construction projects, as well as construction projects with historical value of the loan files for permanent custody;

The loan files of general large and medium-sized construction projects and technical transformation projects above designated size shall be kept for 10 ~ 20 years;

The file retention period of small-scale construction projects, technical transformation projects below the quota and working capital loan projects is 1 ~ 5 years.

The retention period of foreign exchange loan files shall be subject to the upper limit of the retention period of the corresponding RMB loan files.

Article 8: The storage period of loan files shall be counted from the second year after the loan principal and interest are fully paid off.

Article 9 The credit business departments of banks at all levels shall designate personnel to be responsible for the collection, sorting and filing of loan files.

Tenth loan files should be filed once a year. The archives of fixed assets loan projects are generally filed in two stages, that is, the first stage is filed after the completion of the project, and the loan principal and interest are recovered on schedule before supplementary filing; Working capital loan project files should be filed once after the loan principal and interest are recovered on schedule; The archival materials of overdue loans can be handed over and filed one year later than the normal filing time.

Article 11: The loan file manager designated by the credit business department shall collect and sort out all the loan files that should be filed in the previous year before the end of March each year. Then, according to the sequence of project completion time, the fixed assets loans and working capital loans filed in the second phase are registered in the "loan file transfer table" (referred to as "loan file transfer table") one by one. Transfer in duplicate, one for the archives department and one for the transfer department.

2. Hello, what is the longest loan term of county-level rural credit cooperatives?

The longest loan period of rural credit cooperatives is the same as that of mortgage to buy a house, which is 30 years at the longest. Although the loan time in the rural credit cooperatives is the same as the longest time to buy a house, according to the interest of the house loan, because most of the loan targets of the rural credit cooperatives are rural people without fixed jobs and stable income, there are certain risks in lending them, so the People's Bank of China gives them special approval.

There are three main types of loans for county-level rural credit cooperatives:

1. Short-term loans refer to loans with a loan term of 1 year (inclusive).

2. Loans within 5 years (including 5 years) from 1 year are excluded.

3. Long-term loans refer to loans with a loan term of above. RMB medium and long-term loans include fixed assets loans and special loans.

Basic conditions for loans from county-level rural credit cooperatives:

1, the business license of the enterprise as a legal person or the business license is valid;

2. Open a basic account or general account in a credit cooperative;

3. The enterprise holds a loan card issued by the People's Bank of China. The loan of rural credit cooperatives refers to the behavior of natural persons or legal persons to obtain funds when necessary, agree on the amount, term and interest rate, and repay the principal and interest of the loan at maturity.

Introduce the information needed to apply for a bank loan:

1. Fill in a complete loan application form;

2. The original and photocopy of the ID card (personal ID card), household registration book and marriage certificate of both husband and wife;

3. Property * * * Someone agrees with the loan opinion;

4 personal occupation, income and family property, including the presence or absence of private cars.

rural credit cooperatives

The loan objects of rural credit cooperatives 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, sideline and fishery.

2. Township (town) offices, village offices, organization offices, household registration offices and various forms of joint ventures or new economic complexes that have been approved by relevant departments to implement independent accounting.

3. There are rural cultural, educational, health and scientific research institutions that guarantee operating income and repayment.

4 rural individual economic households and economic associations engaged in handicrafts, commerce, transportation, construction and service industries with the approval of relevant departments. 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.

Three, the credit data of credit cooperatives in a few years after the destruction?

In the era of manual filling of paper materials, the loan materials of credit cooperatives are kept for at least 15 years after users pay off their loans. Although modern times also sign paper materials, these materials are all entered into computers and should be kept for more than 30 years according to regulations. However, storing these materials in the computer does not occupy space at all, and credit cooperatives may keep them for a longer time.

4. How long has the loan record on the credit report disappeared?

Under normal circumstances, the loan records on the credit information are kept for 5 years, and the application approval records are kept for 2 years. If there is a record of overdue repayment, it will be deleted after 5 years of repayment according to the Regulations on the Administration of Credit Information Industry. If it is not paid off, it will be retained for 5 years after it is paid off.

Now there are many small loan products, which do not need to go to the bank to handle, and the loans arrive quickly, so many people borrow more and more. Finally, in loans overdue, the loans are recorded in the credit record. Many people worry that credit records will always exist, so how long will it take to eliminate them?

Under normal circumstances, the loan records on the credit information are kept for 5 years, and the application approval records are kept for 2 years. If there is a record of overdue repayment, it will be deleted after 5 years of repayment according to the Regulations on the Administration of Credit Information Industry. If it is not paid off, it will be retained for 5 years after it is paid off.

However, if the loan is not overdue and has been settled, this record has no effect on personal credit. Moreover, handling business in banks mainly depends on the credit records of users in the past two years. Users can still apply for loans if they keep a good record of consumption and repayment.