3. Should have interpersonal skills, and have a keen intuition and cognition of the customer's personality, emotions and needs; Good endurance and ability to cope with interpersonal pressure, able to flexibly use a variety of interpersonal skills and methods for different situations and different communication objects; When interacting with customers, they can show their understanding and concern for customers; Have strong emotional control ability, be flexible and bear greater psychological pressure in the process of fighting for the rights and interests of enterprises.

4. The ability to observe and judge refers to the ability to observe the quality of customers through their behavior and social relations; Objective judgment; Be good at observing words and feelings; Collect information from many parties and verify your judgment accurately. Whether the loan can be repaid in time depends largely on the customer's willingness to repay, and the willingness to repay depends largely on the customer's personality. Therefore, before the loan is issued, we should focus on the customer's character. Generally, a loan will not take more than one week from application to issuance. In this short period of time, loan officers should timely and accurately grasp the customer's character and character.

5. Small business loan officers with strong ability to withstand pressure have great pressure on performance, so they need to maintain a good and positive attitude, overcome difficulties, adjust their emotions in time and maintain sufficient confidence. In particular, overdue customers need patience and endurance, as well as good pressure resistance. If they don't touch the bottom line of personality and make unreasonable and insulting language attacks on each other, they should turn a blind eye and turn a deaf ear. Really no, you can only use extreme means to extraordinary people.

6. A smart loan officer should have a certain mind and be good at analysis and thinking. In the work of credit management, some enterprises may whitewash their financial statements to cover up their real financial situation and operating results for their own benefit. At this time, the loan officer should use his knowledge to identify and analyze the problems, so as to have a correct and comprehensive understanding of the business situation of the enterprise. If you can't clearly understand the operating conditions of the customer's enterprise, you will rush to borrow money and finally can't recover the loan, which will bring great risks to the company.

I want to get loans and personal credit from rural commercial banks. I don't know what the requirements are.

Personal loan information:

1, loan application; Including the purpose of the loan, the amount, the length of the term, the source of repayment, and the way to provide guarantee to the bank;

2. My identity certificate; Proof of spouse's identity;

3, I or others (refers to the person who is willing to provide mortgage guarantee for the loan) copy of the house and property certificate;

Three. Interim Measures for the Administration of Individual Time Deposit Certificates of Rural Commercial Banks

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Chapter I General Provisions

Article 1 In order to promote the development of personal consumption credit business of Dangshan Rural Commercial Bank (hereinafter referred to as the bank) and standardize the personal time deposit business of banks, these Interim Measures are formulated in accordance with the Law of People's Republic of China (PRC) Commercial Bank, the Interim Measures for the Administration of Personal Loans of China Banking Regulatory Commission and the Basic Credit Management System of Anhui Rural Credit Cooperatives.

Article 2 Personal certificates of deposit are the business of obtaining a certain amount of loans from our bank with unexpired certificates of deposit (hereinafter referred to as certificates of deposit) as collateral.

Article 3 The term "deposit receipt" as mentioned in the personal deposit receipt includes: maturity lump-sum deposit receipt, interest-bearing deposit receipt and large negotiable certificate of deposit (registered). If the ownership is in dispute, the mortgaged, reported loss, expired or legally suspended deposit certificates shall not be used as collateral.

Article 4 A certificate of deposit with the borrower's name and the borrower's resident identity card shall be provided for handling time deposit certificates. If the certificate of deposit in the name of a third party is the borrower, the third party must apply to our bank with the certificate of deposit and my ID card, and the staff of our bank will issue a written guarantee after it is implemented in accordance with the requirements of the relevant loan general rules, otherwise the certificate of deposit of others may not be used.

Article 5 When a deposit certificate with a reserved seal or password is taken as pledge, the borrower needs to provide the seal or password to the loan issuing bank, otherwise the loan issuing bank has the right to refuse to handle the deposit certificate.

Article 6, article 15 quater. What conditions do rural commercial banks need for loans?

What conditions do rural commercial banks need for loans: 1, and they have the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made; 2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures; 3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis; 4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. 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; 5. The asset-liability ratio of the credit cooperative lender shall not be higher than 70%; 6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must meet the requirements of the State Council, and at the same time, complete, standardized and effective documents must be submitted according to the requirements of project management; 7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets; 8. Lenders of credit cooperatives 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. Loan process of rural commercial bank: Step 1: When a borrower applies for a loan, he should fill in a loan application form, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1, basic information of the borrower and guarantor; 2, the financial department or accounting (audit) firm approved the financial report of the previous year, and the financial report before applying for a loan; 3, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant documents that the guarantor agrees to guarantee intention; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the lender. Step 2: The borrower's credit rating should be evaluated according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. Step 3: Loan Survey After accepting the borrower's application, the lender investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral, pledge and guarantor, and determines the loan risk. Step 4: Loan Approval Lenders should establish a loan management system with separate loan review and graded approval. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority. Step 5: Sign a loan contract. All loans must be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. The mortgagor, pledger and lender shall sign mortgage contract and pledge contract for mortgage loan. If registration is required, it shall be registered according to law. Step 6: The lender shall issue the loan on schedule as agreed in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages. Step 7: After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's performance of the loan contract and operation.