1. Rural commercial credit e-loan needs the platform to rate individuals, verify the loan amount and issue loan vouchers. Users who meet the conditions of bank loans will issue loans after approval, and borrowers will repay them on time.

2. Loan process: (1) Credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average. (2) Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid ID card (or household registration book). After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel (or the doorman personnel), fill in the loan receipt, and then use the loan according to the regulations.

3. The borrower shall repay the loan principal and interest according to the loan contract. The answer is provided by Youhuahua, a credit service brand under Baidu Finance, which provides personal consumer credit services for the public and creates an innovative consumer credit model.

Qianhua uses artificial intelligence and big data risk control technology to provide users with convenient, fast and secure Internet credit services. Click on the bottom of the mobile phone to calculate the amount immediately, and the maximum loan amount is 200,000.