Take mortgage, real estate, cars and other things that can be valued can be mortgaged; Talk to the president of the farmers' cooperative about loans; Ask the president to confirm whether the loan can be made. After the president decides, the lender can provide information. Find a guarantor to guarantee, and the guarantor can be a loan officer. At this time, you can go to the lender's home to verify the other party's actual mortgage assets for evaluation; Waiting for approval, if it is approved, it is the bank operation after verifying the assets; The loan is in place, and if there is no problem, the loan formalities can be completed within one week. Farmers' professional cooperatives are mutual economic organizations organized by producers and operators of similar agricultural products or providers and users of similar agricultural production and operation services on the basis of contracted management by rural households. Farmers' professional cooperatives mainly serve their members, providing services such as purchasing agricultural means of production, selling, processing, transporting and storing agricultural products and technologies and information related to agricultural production and operation. After the founding of New China, on the basis of land reform and the implementation of "land to the tiller", our party gradually organized and guided farmers to organize themselves by developing mutual aid groups and primary cooperatives, thus rapidly liberating and developing agricultural productivity. After that, the "three major cooperatives" with production, supply and marketing and credit as the mainstay were generally established in rural areas. With the completion of the task of agricultural socialist transformation ahead of schedule and entering the people's commune period, the development path of agricultural cooperatives in China has also experienced tortuous exploration for more than 20 years. Since the reform and opening up, farmers in China are more and more willing to cooperate in production and management on the basis of household contract management, and the practice of cooperation is constantly enriched. In order to meet the needs of farmers' cooperation, farmers' professional cooperatives were promulgated and implemented in July 2007 1. Since then, China's farmers' cooperatives have embarked on the fast track of legal development. By the end of June 2020 165438+ 10, the number of farmers' cooperatives in China will reach 224 10000, with farmers as the main body and nearly half of them being driven by radiation. Farmers' cooperatives strengthen inter-agency cooperation, and through * * * joint investment, * * * brand creation and * * * profit sharing, more than 3000 cooperatives have been established/kloc-0. Each cooperative has driven 12 individual cooperatives, and its operating income is nearly four times that of individual cooperatives. In poverty-stricken areas, 720,000 farmers' cooperatives have been cultivated and developed, and poverty-stricken households with established files have been absorbed to develop rural industries.
2. Can agricultural cooperatives apply for loans?
Cooperative loan conditions:
(a) farmers or self-employed households in the community have full capacity for civil conduct;
(2) Strong credit concept and good credit standing;
(three) engaged in land cultivation or other production and business activities in line with national industrial policies, and have reliable income;
(four) family members must have a labor force with labor production or management ability.
Moreover, the order of approval of rural cooperative loans is based on the following considerations:
(1) Loans for agricultural production expenses such as planting and aquaculture;
(2) Individual and private economic loans for agricultural production;
(3) Agricultural machinery loans;
(four) small-scale irrigation and water conservancy capital construction loans.
The loan process is usually:
(1) Farmers apply for loans from credit cooperatives;
(two) the credit personnel to investigate farmers' demand for production funds and family income, grasp the borrower's credit situation, and put forward preliminary opinions;
(three) the credit rating team shall determine the loan amount and issue the loan certificate according to the information provided by the credit personnel and representatives of local members or villagers' committees.
Three, how to loan farmers' professional cooperatives?
Rural commercial bank
Farmers' professional cooperative loan
Medium and small
Product overview:
Refers to the RMB loan issued by the bank to the farmers' professional cooperatives within its jurisdiction according to the provisions of the Farmers' Professional Cooperatives Law, aiming at meeting the capital needs of the farmers' professional cooperatives in the process of organizing production, supply and marketing.
Product features:
Covers a wide range of products. Including working capital and project loans, the loan period is flexible, and various guarantee methods such as mortgage, pledge, guarantee and combination guarantee can be adopted.
Service objectives:
Farmers' professional cooperatives with capital needs
Treatment conditions:
1. registered by the administrative department for industry and commerce and obtained the business license of enterprise as a legal person.
2. Have a fixed production and business service place, carry out normal production and business activities, and have a certain proportion of its own funds;
3. The identity certificate and signature sample of the legal representative;
4. Loan card, articles of association and capital verification report;
5. Normal operation, good financial status and ability to perform relevant contracts;
6. Tax registration certificate;
7. Engaged in the production, operation and service activities stipulated in the articles of association of farmers' professional cooperatives according to law, and the production and operation are beneficial;
8. Relevant contracts and approvals are legal, authentic and effective;
9. Good credit standing, ability to repay loan principal and interest, and no bad credit record;
10. Open a basic settlement account in the bank.
Processing flow:
(1) Accepting applications
Customers apply for loans and submit written applications and related materials.
(2) Investigation and review
Investigate and review the applicant and the application matters.
(3) Examination and approval
According to the examination and approval procedures and authority.
(4) billing
Sign a loan contract with the customer, implement relevant guarantee measures, and go through the formalities of issuing accounts within the credit line after verification.
4. How do farmers' cooperatives get loans?
How do farmers' cooperatives borrow money? In fact, this problem is not difficult. Go directly to the counter and ask.
But if you don't want to go to the counter, Bian Xiao can share it with you.
Methods/steps to mortgage farmers' cooperatives with tools/raw materials 1;
Real estate, cars and other things that can be valued can be used as collateral.
2 Talk to the president of the farmers' cooperative about the loan:
Ask the president to confirm whether the loan can be made. After the president decides, the lender can provide information.
3 find a guarantor to guarantee:
The guarantor can be a loan officer. At this time, he can go to the lender's home to verify the other party's actual mortgage assets for evaluation.
Level 4 certification:
The purpose of approval is to verify the assets before the bank operates.
5 loan in place:
If there is no problem, the loan formalities can be completed within one week.