1, loan application acceptance: customers can apply for loans through offline outlets or online self-service channels.

2. Collect customer information and import it into the white list: the system evaluates and automatically verifies the loan amount according to the comprehensive information of customers. If the verification passes, the business will be automatically approved.

3. Contract signing: After being approved by the system, sign a loan contract with the borrower to further determine the loan amount, term, repayment method and repayment account.

4. Payment and repayment: customers can pay and repay through bank counters, online banking, mobile banking, self-service terminals and other channels.

2. What procedures do farmers need to borrow from the Postal Savings Bank?

At present, there are two kinds of loan business provided by Postal Savings Bank: 1 small amount; It is divided into (1) I pledge my ID card and time deposit certificate (account opening date is more than 20 days) and go through relevant formalities at the postal savings outlets, (very simple and convenient) (2) others pledge the borrower with the ID card, and at the same time, the pledger goes through relevant formalities at the postal savings outlets with the ID card and pledged deposit certificate (account opening date is more than 30 days). (It's a bit troublesome) Postal savings have clear regulations on small amount and loan term. The maximum amount of small loans for a single customer is not more than 200,000 yuan (including 200,000 yuan), and the maximum amount of small loans for other customers is not more than 6,543,800 yuan (including 6,543,800 yuan), and the minimum loan amount is 6,543,800 yuan. Each loan shall not exceed 90% of the total amount of pledged certificates of deposit. If the approval is successful, the borrower can get a loan within two days. Postal interest rate is the benchmark interest rate stipulated by the People's Bank of China. The loan interest rate for less than half a year is only 5.58%, the loan interest rate for half a year to one year is 6. 12%, and the minimum loan interest is 1.55 yuan per day. If the loan exceeds 50,000 yuan (excluding), the loan interest rate can be reduced by 5% to 2 micro-credit loans; The loan object is farmers; Loan amount: up to 50,000 yuan; Loan term: 1- 12 months; Loan interest rate: monthly interest rate: 65,438+0 minutes 3% 2; Repayment method: (65,438+0) One-time repayment method: for loans within 4 months (including 4 months), the principal and interest shall be repaid in one lump sum; (2) Matching repayment method of principal and interest: for loans from 1 month to1February, the principal and interest of the loan shall be repaid in equal amount every month; (3) Repayment of principal and interest by installments: for loans with a term exceeding 4 months to 1 year, only the interest will be repaid in the first 8 months, and the principal and interest of the loan will be repaid in equal amount every month thereafter; Guarantee conditions: the guarantor must be a civil servant, institution or official employee of large and medium-sized state-owned enterprises. The applicant is 20 to 60 years old (married), in good health, has a local hukou or has lived in the local area for one year; Engaged in farming or other production and business activities related to rural economic development on rural land; Have a fixed residence and be in the area. Materials to be submitted: the original and photocopy of the applicant's ID card, the original and photocopy of the guarantor's ID card, the certificate of the work unit, and the official seal of the unit. Find a guarantor in the loan handling process-apply by counter or telephone-fill in the application form-submit materials-accept investigation-wait for approval-inform the approval result-sign the loan contract-issue the loan-check after the loan. The loan object is the merchant; Loan target: individual industrial and commercial households and sole proprietorship business owners; Loan amount: up to 654.38 million yuan; Loan term: 1 to 65438+February; Loan interest rate: the monthly interest rate is1.3% 2; Repayment method: (Like farmers, there are three repayment methods) Applicant's conditions: age 18 to 60 years old, healthy, with local hukou or living in the local area for one year; Engaged in production or business projects in line with national industrial policies and laws and regulations; Having a business license approved and inspected by the industrial and commercial department; It has a fixed business place and is in this area. Materials to be submitted: the original and photocopy of the applicant's ID card, the original and photocopy of the business license approved by the industrial and commercial department, the original and photocopy of the guarantor's ID card, the certificate of the work unit, and the official seal of the unit. The process of loan: (like farmers) Tip: Both farmers and businessmen need two guarantors.

3. What procedures do postal banks need to handle business in rural areas?

You can apply at the local labor department or trade union.

4. Is it easy to approve loans from rural credit cooperatives? Is the interest high?

At present, several major state-owned banks, postal savings banks, small banks, credit cooperatives and so on. It is relatively easy to approve loans. Personally, I think it is easier to save money, but the main purpose of saving money is to make equal principal and interest, that is, to repay the principal and interest every month, and the interest is relatively high. At present, credit cooperatives are relatively flexible in providing personal loans to farmers. At present, the agricultural loan treasure of credit cooperatives is very suitable for individuals, but it needs the guarantee of the staff of enterprises and institutions with fixed income or the guarantee of civil servants. I just started to apply for agricultural loans. The specific process is: find the loan officer of the local rural credit cooperatives and apply for loans; The loan officer will give the guarantee, find the guarantor's signature and seal (income certificate), and prepare the loan information; Submit information, loan officers and credit union directors visit families and check guarantors; In about half a month, the loan will be paid to the bank card. The main reason for choosing a credit cooperative loan is that the loan term is long, and the credit cooperative has given a three-year term, which can be paid back as you take it, or not. Interest can be repaid monthly during the loan period. The interest rate is about 8% (annual rate). Of course, every place and policy are different. Specifically, you can go to the local credit cooperative to consult the loan officer.