What are the loans of rural commercial banks? It is reported that rural commercial bank loans include special credit loans for large farmers, "corporate farmers' professional cooperatives" loans, forest right mortgage loans, and youth entrepreneurship guarantee loans.
1. Special credit loans for large farmers. Special credit loans for large farmers engaged in the planting, breeding and processing of agricultural and sideline products are issued by banks to farmers and rural self-employed households in the county, in the form of personal credit guarantee or mortgage of farm houses, and are used for the loan of benefiting farmers and the loan of "company farmers' professional cooperatives". Loans issued to planting and breeding enterprises, farmers and professional cooperatives to meet their daily production liquidity needs. This variety is committed to guiding the adjustment of local industrial structure, developing agricultural industrialization, improving the scale of local aquaculture production, and building a good entrepreneurial platform for rural aquaculture enterprises, farmers and professional cooperatives.
3. Forest right mortgage loan. Forest right mortgage loan is a loan issued by our bank to enterprises and natural persons engaged in afforestation, greening and development, production, processing, operation and circulation of forest products, with the right to use forests, trees and woodlands as collateral for forestry production and operation.
4. Guarantee loan for youth entrepreneurship. The guarantee loan for youth entrepreneurship refers to the special loan issued by the bank to meet the short-term and medium-term capital needs of rural youth in the process of entrepreneurship.
20 17 ranking of Chengdu loan companies These companies can't make mistakes with their eyes closed.
Chengdu loan companies are everywhere, and many small partners don't know which one to choose, fearing that they will be cheated in applying for loans. According to the relevant information, the following ranking of Chengdu loan companies is sorted out, and the ranking can't be wrong.
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Chengdu tongxing co., ltd
Chengdu Tongxing Co., Ltd. was established in 2009 with a registered capital of 1 100 million yuan. He is the president of Chengdu Microfinance Association and the largest microfinance institution in Chengdu. The company is mainly engaged in the credit business of small and medium-sized enterprises and individuals. As of September 20 13, the company's loan balance was about1500 million, and it won the honor of the best company in Sichuan Province.
2. Fulton Limited
Fu Deng Limited was established by Fu Deng Financial Holdings, a subsidiary of Singapore Temasek Holdings. In September 2008, it was approved and registered by relevant departments, mainly for micro-enterprises, small enterprises, self-employed households and farmers, as well as related consulting activities. With an initial registered capital of S $60 million, it is the first professional fund service company approved to enter Chengdu, Sichuan.
3. Chengdu Gaoxin Jinhong Technology Co., Ltd
Chengdu Gaoxin Jinhong Technology Co., Ltd. was jointly established by Chengdu Industrial Investment Group and Chengdu Gaotou Group on April 30th, 20 10 with a registered capital of 300 million yuan. Since its establishment more than six years ago, the company has provided nearly 9 billion yuan in financial support for small and medium-sized enterprises and supported more than 500 small and medium-sized enterprises. With its strength, Jinhong became the first batch of pilot enterprises of science and technology microfinance in Sichuan Province from June 2065438 to June 2006.
No matter from the company's regularity, scale, loan amount and lending speed, the institutions in the ranking of Chengdu loan companies are excellent.
What are the farmers' companies? Companies that can join.
Introduction of postal savings business
Postal savings business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Businessmen refer to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), individual industrial and commercial households, urban self-employed households and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs.
Business type:
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Farmers' joint guarantee loan: refers to three to five farmers who form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan.
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Farmers' guaranteed loan: refers to farmers who can apply for loans from the Postal Savings Bank as long as one or two (depending on the loan amount) people with fixed jobs and stable income are their loan guarantors. The maximum loan amount for each farmer is temporarily 50,000 yuan.
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Merchant's joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households or sole proprietorship business owners with business licenses, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 654.38 million yuan (200,000 yuan in some areas).
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Merchant-guaranteed loan: refers to the owner of an individual industrial and commercial household or a sole proprietorship enterprise with a business license, who can apply for a loan from the Postal Savings Bank as long as one or two people (depending on the loan amount) who have a fixed job and a stable income are used as their loan guarantors. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).
Processing flow:
You just need the borrower to form a joint insurance team or find a guarantor and bring your ID card. If you are a merchant, you need to bring your business license, apply to the established outlets and accept the investigation and approval. After signing the contract, you can get the loan.
Repayment method:
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One-time repayment of principal and interest
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Average capital method
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Repayment by installment (only interest will be repaid during the grace period, and the loan will be repaid by equal principal and interest repayment after the grace period).
Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, and the computer system will automatically deduct it.
Note: The specific product information and business process shall be subject to the announcement of the local postal savings institution.
This concludes the introduction of farmers' loan companies and farmers' loans. I wonder if you have found the information you need?