1. The "Yi Nong Loan" launched by China Bank is a personal business loan specially for self-employed individuals engaged in rural industrial chains such as planting, aquaculture, forestry, agricultural product acquisition and processing, and is used to solve the capital demand in the course of operation.

2. The loan conditions for planting, animal husbandry, forestry, agriculture-related industrial chain and other related industries are as follows:

(1) Loan amount: According to the division of regions, the maximum amount of personal business loan for a single customer generally does not exceed 5 million yuan. According to the specific situation of customer application, it can be further improved.

(2) Loan term: no more than 5 years.

(III) Repayment method: In combination with the loan term, flexible repayment methods such as monthly (quarterly) interest payment and monthly (quarterly/semiannual/yearly) principal repayment can be selected.

(4) Guarantee method: support flexible guarantee methods such as real estate mortgage, pledge of valuable rights, guarantee and credit.

3. Handling process of "Yi Nong Loan":

(1) customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

(2) sign a contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

(3) granting loans. For the loan approved by the bank, after all the formalities are completed, the bank will transfer the loan to the designated account according to the contract;

(4) Repayment on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

(5) loan settlement. Loan settlement includes normal settlement and early settlement:

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, he must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated counter after it is approved.

Extended data:

"Yi Nong Loan" credit products have the following characteristics:

First, the interest rate is low and the quota is high. Combined with the characteristics of agricultural planting, the loan period is one year, and the loan interest rate rises by 30% on the basis of the benchmark interest rate of the same grade of the People's Bank of China, with an annual interest rate of 7.8%, which is 4.62 percentage points lower than that of the local rural credit cooperatives. Five households are jointly insured, and the maximum single insurance amount is 200,000 yuan.

Second, simplify procedures and provide on-site service. The bank organized 10 account managers to go deep into farmers' homes, publicize credit products, make an appointment to register key customers, and open financial service accounts to make full preparations for spring ploughing credit support.

Third, it is convenient and fast, and the loan processing efficiency is high. Actively optimize the credit business process, implement "sunshine credit" and time-limited service, and give a reply within 1 working day for small farmers' loans and within 3 working days for large loans.

Bank of China Yinong loan personal agriculture-related loan

People's Network-Helen's "Yi Nong Loan" became popular.