But it is not open to the public or units on Saturday and Sunday, that is, personal savings business. Working hours have also been changed to 9; 30- 16; 00。
The loan business must be handled from Monday to Friday. (Regional branches)
Handle the savings business from 9: 00 to/kloc-0 to 7: 59 every day.
The above is in the city.
In rural areas, legal holidays may last for half a day, from 10: 00 to 16: 00.
1. Conditions of corporate loans and their borrowers:
(1) The borrower is a shareholder of the company's loan lead institution and has opened a deposit account in this institution.
(2) The purpose of the loan conforms to the national industrial policy, the production and operation are normal, the operating performance is good, and the principal and interest of the loan can be repaid on schedule.
(3) Good credit and no record of non-performing loans.
(four) to provide effective chattel, real estate and rights and interests guarantee or mortgage (pledge).
(5) Other conditions stipulated by the lender.
2, the loan review meeting to review the main contents of the loan:
(1) Whether the loan is legal and conforms to the national industrial policy and credit policy.
(2) Loan pricing and its comprehensive benefits.
(3) Loan risks and preventive measures.
(4) Other contents that need to be considered according to the loan project.
Rural credit cooperatives (rural credit cooperatives in English) refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.
Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury.
Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council.