Application materials for easy loan card of rural commercial bank:

1. Personal credit line application form;

2. The identity certificate, household registration certificate and marital status certificate of the borrower and spouse;

3. Proof of stable economic income of the borrower and spouse;

4. Mortgaged or pledged materials, such as real estate property certificates and certificates of deposit. , if other people's assets are used as collateral/pledge, the identity certificate, household registration certificate and marital status certificate of the owner and spouse shall also be provided;

5. Other information required by the bank.

Guidelines for handling easy loan cards of rural commercial banks;

1. Application: The borrower fills in the application form at the loan handling office with the above application materials.

2. Approval of line: The bank investigates the borrower's guarantee, credit and income level, carries out approval according to procedures, and informs the borrower of the approval result.

3. Bank signing: After the borrower's application is approved, the bank signs a contract with the borrower and the guarantor and goes through the mortgage registration formalities.

4. Self-help loan: The borrower makes self-help loans in telephone banking and online banking according to his own use plan.

5. Self-consumption: the borrower consumes at the POS machine in the shopping mall and pays for the consumption online.

6. Self-service repayment: the borrower repays in advance through telephone banking and online banking.

7. Automatic deduction: the bank automatically deducts money according to the entrusted deduction agreement.

Second, how do enterprises apply for loan cards

Different types of borrowers bring the following documents to the People's Bank to apply for a card: an application for an enterprise loan card; The original and photocopy of the annual inspection of the Business License for Enterprise as a Legal Person or the Business License (limited to unincorporated enterprises authorized by the enterprise as a legal person); Original and photocopy of People's Republic of China (PRC) Organization Code Certificate of the annual inspection; Original and photocopy of basic deposit account account opening permit issued by China People's Bank; The original and photocopy of the capital verification report of the registered capital of the enterprise or the certification materials of the source of the registered capital; The balance sheet, profit and profit distribution statement and cash flow statement of the previous year and the latest month at the time of receiving the card, and affix the official seal; Copy of the ID card of the legal representative; A copy of the ID card of the senior manager; Copy of the shareholder's identity certificate; Original and photocopy of the agent's ID card; Original and photocopy of State Taxation Administration of The People's Republic of China tax registration certificate; Original and photocopy of local tax registration certificate; Articles of association of the enterprise as a legal person; If the legal representative is an overseas investor and authorizes domestic personnel to handle relevant matters, the enterprise must carry a power of attorney in addition to the above information.

Institutions and social organizations apply for loan cards; The original and photocopy of the legal person registration certificate of the institution, or the original and photocopy of the superior approval; Original and photocopy of People's Republic of China (PRC) Organization Code Certificate of the annual inspection; Original and photocopy of basic deposit account account opening permit issued by China People's Bank; The balance sheet, profit and profit distribution statement and cash flow statement of the previous year and the latest month at the time of receiving the card, and affix the official seal; Original and photocopy of the ID card of the handler.

Financing needs of administrative organs to build office buildings and medical and health departments to purchase equipment; Commercial community organizations approved by the civil affairs department, such as nursing homes; Village-level economic organizations and other institutions with organization code certificates shall go through the card collection procedures according to the institutions and provide the letter of intent for loans issued by financial institutions.

Third, how to apply for corporate loans

Enterprise loan process: 1. The borrower applies for a loan and submits relevant materials. 2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank. 3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank. 4. The borrower repays the loan principal and interest on schedule. 5. When the loan is settled, the withdrawal formalities shall be handled as required. Extended data:

Application for company information 1, business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report, loan card 2, annual report of the last three years, financial statement of the last three months, legal person statement of the company in the last six months 3, business premises lease contract and rent payment certificate, water and electricity charges in the last three months 4, various tax bills in the last six months, signed purchase and sale contracts (. Personal data 1, borrower's and spouse's ID card 2, property owner's and spouse's ID card 3, borrower's and property owner's household registration book 4, borrower's and property owner's marriage certificate 5. Proof of personal assets, such as real estate, cars, stocks, bonds, etc. 6. Personal application conditions for bank flow in the last six months or one year 65438. 2. The enterprise has a good reputation in various commercial banks and no bad credit record; 3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection; 4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits; 5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors; 6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record; 7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years; 8. Abide by the policy of establishing industry credit related to small enterprises; 9. Abide by national financial regulations and policies and relevant bank regulations; 10. Open a basic settlement account or a general settlement account with the applicant bank.

4. How to apply for a loan card? What materials are needed? Urgent! Urgent! Urgent!

Matters needing attention in handling loan cards and matters needing attention in handling them: 1. The loan card is a magnetic card issued to the borrower by the People's Bank of China where it is registered, and it is the qualification certificate for the borrower to apply for credit business from financial institutions. The loan card records the code and password of the loan card, which is the voucher for commercial banks to log in to the "Bank Credit Registration and Consulting System" to inquire about the credit information of customers. Getting a loan card does not mean that customers can get bank loans immediately, but depends on the requirements of corporate banks. Second, the card object: certified enterprises (units) legal persons and individual operators; There is no need to apply for a loan card in the name of an individual, except in the case that a legal person or individual operator guarantees a loan. Three. On June 5438+05, 2005, the annual review of the loan card was conducted, and the annual review of the loan card was not required. Materials required for enterprise application: ① loan card application form; (2) Business license of enterprise legal person (original and photocopy of enterprise legal person registration certificate of unincorporated business unit) (original and photocopy of organization code certificate of other borrower's country); (4) Capital Verification of Registered Assets of the enterprise; The balance sheet of one month before receiving the card and the final statement of the previous year; (5) The legal representative (or legal person) certifies and effectively verifies (1) the authenticity and completeness of the submitted materials; ② The certificate, photo and table are consistent; (3) Issue a card after logging in the enterprise file on the computer; Materials needed for annual review ① Annual review report of loan card; The original and photocopy of the business license of the industrial and commercial department after the annual inspection; (3) A copy of the organization code certificate of People's Republic of China (PRC); (four) the final report of the previous year; ⑤ If the enterprise elements need to be changed, please bring the original and photocopy of the changed related materials; Copy of representative card. Please consult the local bank directly for the location of the card.