1. Consult the loan details of China Postal Savings Bank and apply for a loan;
2. Submit the relevant materials required for the loan;
3. The bank shall review the relevant materials submitted by the borrower;
4. After approval, the bank signs a loan contract with the borrower;
5. The bank issues loans and the borrower repays them according to the contract.
Two, the postal savings bank loan application conditions
1. Guaranteed loans from merchants and farmers.
(1) Borrower's conditions: age 18 to 60 years old (farmers must be married), be in good health, have a local hukou or have lived in the local area for one year, and the merchant must have a business license approved by the industrial and commercial department and passed the annual inspection, and have a fixed business place.
(2) Guarantor conditions: Depending on the loan amount, the borrower only needs to find a 1-2 guarantor, and the guarantor must be a civil servant, a regular employee of a public institution or a person with stable income in a state-owned enterprise.
2. Merchants and farmers jointly guarantee loans.
(1) Conditions for the establishment of the joint guarantee group: the joint guarantee group for merchants consists of three individual industrial and commercial households and sole proprietorship business owners; Farmers' joint insurance consists of 3-5 farmers; After investigation and approval, the members of the UNPROFOR team may apply for loans.
(2) Loan amount: During the validity period of the joint guarantee, each team member can apply for a loan within the approved amount. The maximum loan amount for each member of the group is 654.38 million yuan, and the maximum loan amount for each member of the farmer is 50,000 yuan.
1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, the risk review of microfinance
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Third, the legal content of the pre-loan investigation
(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.