Agricultural Bank of China loan processing procedures

1. Acceptance of loan applications: The borrower shall submit a written loan application to the local bank where the account is opened, and attach relevant information in accordance with the requirements of the loan regulations. If there is a guarantor, include relevant information of the guarantor.

2. Loan review: After the bank accepts the loan application, it will conduct a comprehensive review of the feasibility of the loan, including filling in the borrower's basic situation register, or the personal loan basic situation register and the borrower's financial statistical analysis items listed in the table.

3. Loan approval: For loan applications that meet the loan conditions after review and evaluation, loan decisions will be made in accordance with the loan approval authority and loan approval procedures will be completed.

4. Sign a loan contract: For loans that have been reviewed and approved, the borrower and the borrower shall sign a written loan contract in accordance with the "Loan Contract Regulations" and relevant regulations. \5. Loan issuance: Loan procedures shall be handled based on the loan contract signed by the borrower and the borrower and the reasonable funding needs for production, operation, and construction.

6. Establish a loan register: Establish a loan register based on the application.

7. Establish loan files: Set up separately according to borrowers. The files should record the borrower's basic information, production and operation conditions, loan disbursement, credit sanctions, loan inspections and economic activity analysis.

8. Loan supervision and inspection: After the loan is released, the borrower's implementation of the loan policy and loan contract shall be supervised and inspected, and policy violations and breach of contract must be promptly corrected.

9. Collect the loan on time: We must insist on collecting the loan according to the loan period agreed by both parties. Before the loan matures, the borrower is notified in writing that the borrower is prepared to repay the principal and interest of the loan. If the borrower cannot repay the loan on time due to legitimate reasons, the borrower can apply for an extension of repayment before maturity. After the bank's review and approval, the loan will be recovered according to the agreed period.

10. Handling of abnormally occupied loans: It is necessary to conduct monitoring and assessment, and to take corresponding effective measures to deal with different situations.