1. loan application: the lender fills in a written application form at the bank and submits his valid identity certificate; Proof of address; Personal professional certificate; Proof of income of the loan applicant and his family members; Other information required by the bank.

2. Wait for the bank to evaluate the borrower's credit rating, and then the bank will evaluate the borrower's credit rating according to the borrower's economic strength, capital structure, performance, quality of leaders, development prospects and operating benefits.

3. Rural commercial banks will investigate borrowers' information and assess risks.

4. If approved, the loan is successfully processed.

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Rural commercial banks, referred to as rural commercial banks for short, are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.

Rural cooperative banks should all be restructured into rural commercial banks.

Create background editing and broadcasting

Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be transformed into rural commercial banks. Cancel the qualification shares in an all-round way and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. On the premise of maintaining the overall stability of the legal person status of counties (cities), we will steadily promote the reform of provincial associations, and gradually build a new relationship between provincial associations and grass-roots legal entities with property rights as the link, equity as the link and supervision as the constraint, so as to truly form the same interests between provincial associations and grass-roots legal entities.

The proportion of qualified shares in rural credit cooperatives in China has dropped below 30%. About 303 rural commercial banks and 2 rural cooperative banks have been established, and the total assets of rural banks account for 4 1.4% of the rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of deep-seated institutional mechanisms.

The latest policy editing broadcast

2065438+On May 2, 2009, the People's Bank of China published the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework of implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6. [2]

The Notice specifies that the directional descent will be divided into three landings, and specifies the scale of the three landings. That is, in May of 15 and June of 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point, and in July of 15, the deposit reserve ratio was lowered to 8%. [2]

When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:

1, my valid identity document;

2. Proof of residential address (household registration book, etc.). );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:

(1) written certificate of post and professional technical level issued by the personnel department of the high-quality corporate client unit;

(2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate under the name of the individual (or spouse);

(3) peony platinum card customer information;

(4) Customer certification materials of wealth management accounts of rural commercial banks;

(5) The text of personal loan contract of rural commercial bank.