Rural credit cooperatives are rural financial institutions and an important support for agricultural production and rural economic development. Rural credit cooperatives can provide farmers with financial services such as loans, insurance and deposits. Farmers can apply for loans through rural credit cooperatives to carry out agricultural production and rural economic development. .

Can Ruian Rural Commercial Bank be a small inclusive loan for farmers?

No problem.

Ruian Rural Commercial Bank is vigorously improving the coverage of inclusive finance. On the basis of traditional visit and filing, we will provide classified credit, batch promotion and rapid coverage, take online platform as the starting point and take results as the guidance, promote the "2.0 whole village promotion action", and strive to "fully cover the whole village in one year and widely grant credit in three years" to provide farmers with all-round small inclusive loan services without guarantee, wide coverage and low threshold. By the end of May, 100% of farmers' inclusive credit has been fully covered, and 270,000 farmers have received credit of 21500 million yuan. At the same time, the proportion of small farmers' credit loan business below 300,000 yuan will be increased to 49%, reducing the risk of guarantee chain and guarantee circle brought by external guarantees such as mutual insurance and joint guarantee.

"With the promotion of the village credit and the whole society credit model, customers can lend money on the same day as long as the information is complete. If it is a qualified old customer, it takes only twenty or thirty minutes from demand to lending. " The relevant person in charge of Ruian Rural Commercial Bank said.

"Today, the threshold for loans is getting lower and lower." According to the person in charge, as long as it meets the conditions of "three haves and three noes" (three have a fixed residence, a fixed occupation and a stable income, and three have no bad records, no excessive financing and no negative evaluation), Ruian Rural Commercial Bank can issue it to farmers.

It is understood that in the past few years, new rural financial organizations have emerged in our city, financial services have been continuously expanded, and financial service models have been continuously innovated. Rural insurance cooperatives, rural fund cooperatives and rural fund cooperatives have been established. For diversified financial entities, the relevant person in charge of the local industry supervision department said, "The financing needs of the masses are hierarchical, and various financial entities should give full play to their respective advantages and form a healthy financial ecology." Taking the behavior of Rui 'an Rural Commercial Bank as an example, the orientation is to serve the most common farmers and small and micro enterprises, and to take the road of undifferentiated and all-round inclusive financial services for agriculture.

"Standardization and Personalization" Customization

The financing ability of small farmers has been greatly improved, and the asset custody of farmers has been innovated.

During the epidemic last year, Mr. Hu of Gaolou Town obtained 300,000 unsecured and unsecured credit loans only by providing real estate without title certificate and 200 pigs as entrusted assets.

"Now the pig farm is back on track." Mr. Hu said happily that last year's epidemic caused delayed payment and blocked the capital chain, but he couldn't find a guarantor when he wanted to borrow money. Fortunately, the entrusted financing business of farmers' assets launched by Ruian Rural Commercial Bank solved his urgent need.

It is reported that Ruian Rural Commercial Bank has innovated the trust and custody business of farmers' assets, broken the original traditional loan mode of unsecured registration and unsecured, explored the expansion from farmers to small and micro enterprises involved in agriculture and rural collective economic organizations, solved the problem of insufficient collateral for farmers, and improved the financing ability.

"This is also one of the effective ways for small farmers in our city to organically connect with modern finance." The relevant person in charge of the Municipal Bureau of Agriculture and Rural Affairs said.

In recent years, Ruian Rural Commercial Bank has enriched the types of entrusted custody of farmers' assets with the customized mode of "standardization and individualization", promoted the development of featured products around local characteristic industries such as Taoshan sugarcane, alpine tea, Hu Ling beef, alpine tea bayberry and large yellow croaker, and launched products such as "pig loan", "tea farmer loan" and "plum farmer loan" to further enrich the types of entrusted custody of farmers' assets and establish full coverage.

According to the data, by the end of May, 20021,the bank could entrust more than 40 kinds of assets, and * * * issued more than 0.9 million loans, with a loan balance of 2.29 billion yuan, 27 kinds more than before the pilot, 1.2 million,1.3/respectively.

Ruian Rural Commercial Bank also actively promotes the financial construction of agricultural industrial chain, and provides modern financial services for upstream and downstream enterprises with the core enterprises in the industrial chain as the center. At present, cauliflower industrial chain and Vanke agricultural industrial chain have been built, in which cauliflower industrial chain has granted credit to 1 16 households, with a credit amount of 253 10000 yuan and a credit of 2.6 million yuan. Vanke granted credit to 7 households in the agricultural industrial chain, with a credit amount of 6,543.8+0.5 million yuan and a credit of 6,543.8+0.410.00 million yuan.

Online loan, "rootless farmer"

Small farmers' financial services are more convenient.

"I just put forward the idea of wanting a loan the day before. I didn't expect to receive the news of the loan early the next morning. I really don't know that the original loan speed can be so fast. " A few days ago, Mr. Zhou, the head of an agricultural professional cooperative in our city, loaned 200,000 yuan through Ruian Rural Commercial Bank.

It is understood that strengthening the construction of financial informatization is one of the important contents of the pilot work of organic connection between small farmers and modern finance in our city. Our city encourages banking institutions to use modern financial informationization such as mobile banking and official WeChat account as carriers to realize more data running and less farmers running, and to create a "maximum run once" service in the field of financial services. Ruian Rural Commercial Bank vigorously promotes the pure online "Li Zhe loan" business and the "offline contract online loan" model, and promotes the application of "Pratt & Whitney" mobile loans, breaking the time and space restrictions and improving the examination and approval efficiency.

According to reports, Ruian Rural Commercial Bank has deepened its cooperation with the Municipal Agricultural and Rural Bureau, the Municipal Supply and Marketing Cooperative and the Municipal Financial Work Service Center, and undertaken and built a "trinity" comprehensive information platform for small farmers in Ruian. The platform was officially put into use at the end of 2020, integrating the historical data of banks, the data information collected by the whole village, social security and agricultural and rural bureaus, and filling the shortcomings of customer data in six dimensions: assets, liabilities, income, family, credit and conduct. At present, the information platform has used 9 188 households, and the credit amount is165438+67 million yuan.

In addition, the city is also actively building a full-cycle financial service system. Taking the cauliflower industry as a pilot, we plan to build an agricultural full-cycle financial system, integrate the data of production end, sales end and credit end, and realize the informationization of "farmers-enterprises-financial institutions". Farmers can apply for financial credit service in one stop through this system, and realize "rootless agriculture". It is planned to complete the online and trial operation before the end of September, 20021year.

Does yilan county Rural Commercial Bank give loans to farmers?

Give loans to farmers.

Rural commercial banks are joint-stock financial institutions composed of local farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations. Therefore, the following requirements will be put forward for the loan applicant: the ability to repay the principal and interest on schedule.

Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial departments, those who apply for guarantee or mortgage loans must have qualified loan guarantors, loan collateral or pledges. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a credit cooperative, with good economic benefits and reliable credit. Loan collateral must comply with the provisions of the Civil Code and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize. The asset-liability ratio of credit cooperative lenders shall not be higher than 70%. Credit cooperative lenders must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions. And other related requirements.

Does yilan county Rural Commercial Bank give loans to farmers? How old are you?

Farmers can get loans.

Rural credit cooperatives are all aimed at farmers. Farmers' loans need to meet the borrower's good credit, stable income, fixed residence in rural areas and personal settlement accounts opened in banks, and labor ability, basic skills and necessary facilities to engage in planting and breeding production or provide services for agricultural production. Conditions for applying for loan business:1natural person aged 8 to 65.

Rural commercial banks do not look at credit reporting for farmers' loans.

Rural commercial banks do not necessarily need to look at credit information when lending to farmers, but whether to look at credit information depends on the lender's loan application and the bank's audit requirements. Under normal circumstances, rural commercial banks will require lenders to provide relevant materials needed to apply for loans, including but not limited to identity certificates, household registration books, business records, tax payment records, etc. If the lender's application materials are complete, the rural commercial bank may not require checking the credit information, but conduct the audit according to the lender's application materials.

The introduction of farmers' loans in rural commercial banks ends here.