1, with 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 to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business 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 rural credit cooperative with good economic benefits and reliable credit.

The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it must be commercialized and easy to realize.

5. The asset-liability ratio of rural borrowers shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and the proportion of self-raised funds must meet the requirements of the State Council, and at the same time, complete, standardized and effective documents must be submitted in accordance with the requirements of project management.

7. Unless otherwise stipulated by the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8 rural borrowers must apply for a loan card according to the provisions of the People's Bank of China, and go through the annual inspection procedures according to the provisions.

Extended data:

Rural credit cooperatives loan object

1. Contractors, specialized households and rural cooperative business units engaged in agriculture, forestry, animal husbandry, fishery and other industries.

2, approved by the relevant departments to implement independent accounting of township (town) office, village office, organization office, household office and various forms of joint venture or new economic consortium.

3 rural cultural, educational and health research institutions with guaranteed operating income and repayment.

4, approved by the relevant departments engaged in handicrafts, commerce, transportation, construction, service industry and other rural individual economic households and economic associations. In addition, credit cooperatives with strong financial strength can also provide loans to enterprises and institutions within the credit scope of national specialized banks.

Baidu encyclopedia-rural credit cooperative

Baidu encyclopedia-rural credit cooperative loan