I. Loan conditions:
1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.
2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.
3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.
Second, the loan process:
(1) Credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average.
(2) Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades.
(3) Issuing loan vouchers.
(4) loan application. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid ID card (or household registration book).
(5) loan issuance. After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel (or the doorman personnel), fill in the loan receipt, and then use the loan according to the regulations.
(6) Repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.
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Agricultural e-loan is a loan launched by rural credit cooperatives. It refers to rating, rating and pre-granting borrowers by using data analysis and Internet technology on the premise of establishing borrowers' credit files through customer information collection system, and issuing personal loans to eligible borrowers. Customers can use their mobile phones to handle loans themselves, and within the approved credit line, they can withdraw money for repayment at any time according to their financial situation.