first, the characteristics of Jin Yan Express Loan Service.
It greatly simplifies the process of small loans for farmers, and automatically evaluates the credit line and credit level for customers by the system, so as to achieve credit standardization. And according to the situation of users paying interest by letter, the credit line of users will be automatically upgraded to promote the business between customers and credit cooperatives. Follow-up and record the loaned customers in time to understand the customer status and the customer manager's follow-up and return visit. Early warning will be given to loans that are about to expire, overdue loans and users' interest repayment, so that business personnel can grasp customer information in time and take measures to reduce risks.
second, very good application.
because this product mainly serves agricultural production, it should be closely linked with farmers' agriculture and rural areas. Therefore, the application requirements of this product are not harsh, as long as they meet certain conditions, they can be applied, and the requirements for users' personal qualifications are not high. Simplify the loan process and provide quality services to rural customers so that they can apply for loans as soon as possible for agricultural production.
Extended information
"Jin Yan Express Loan Link" is the first microfinance product with a unified brand in the whole province developed by the credit business department. This product is mainly used to meet the capital needs of farmers and individual industrial and commercial households in production and business activities, and adopts the operation mode of "one-time approval, loan with use, balance control and revolving use". The operation process of this product is as follows: setting up a credit evaluation team, setting up files, rating and granting credit, posting and publicizing, uniformly issuing certificates, using credit by customers, and managing after lending. The characteristics of "Jin Yan Express Loan Link" products are as follows: First, farmers' loans have changed from "retail" to "wholesale". "Jin Yan Express Loan Link" conforms to the principle of small-amount, decentralized and flowing credit, and the risk is generally controllable, so it can be widely promoted. Especially in Jiyuan Rural Commercial Bank, Zhengzhou Suburb Association, Zhenping Association, Luyi Association and other travel agencies, very obvious results have been achieved.