Introduction \ At present, it can be handled in both Postal Savings Bank and rural credit cooperatives. Please go to the local counter for details. Take the Postal Savings Bank as an example. At present, there are four types of postal savings banks: farmers' guaranteed loans, farmers' guaranteed loans, merchants' guaranteed loans and merchants' guaranteed loans. Farmers' loans refer to short-term loans for farmers to meet their needs for agricultural breeding or production and operation, which are guaranteed by qualified natural persons (with fixed jobs or stable income), that is, farmers' guaranteed loans; It can also be composed of three to five farmers with the same conditions, and the team members bear joint and several guarantee responsibilities, that is, farmers' joint guarantee loans. Merchant loan refers to short-term loans issued to meet the production, operation or temporary needs of micro-enterprise owners, which are guaranteed by qualified natural persons, that is, merchant-guaranteed loans; It can also be composed of three small business owners with the same conditions, and the team members bear joint and several guarantee responsibilities, that is, merchants guarantee loans. The maximum loan amount of farmers' guaranteed loans and farmers' joint guarantee loans is 50,000 yuan, and the maximum loan amount of merchants' guaranteed or joint guarantee loans is 654.38+10,000 yuan. The term is in months, with a minimum of 1 month and a maximum of 12 months. There are many repayment methods to choose from, such as one-time repayment of principal and interest, equal principal and interest, equal principal and interest in installments, etc. \ \ Farmers' Credit Rating and Credit Granting \ (1) Farmers apply for rating from credit cooperatives. (2) The account manager (loan officer) conducted a detailed investigation on the farmers who applied for credit rating, including: 1. Check the applicant's valid identity documents, and check whether the applicant is a farmer in the jurisdiction and has full capacity for civil conduct; 2, whether the applicant or family members have the ability of labor production or management; 3. Verify property and comprehensive income; 4. Whether the loan demand is reasonable; 5. The applicant has no bad credit record in rural credit cooperatives and other financial institutions; 6. Consult the village committee and villagers' representatives about the credit status of the household; 7. Other relevant information. Account managers (loan officers) should rely on village committees and villagers' representatives to carefully evaluate farmers' credit rating through appraisal, fill in the Farmers' Economic Archives according to the survey content, and put forward preliminary opinions on credit status evaluation. (III) The account manager (loan officer) will submit the signed farmer's economic files to the credit business approval team, and the credit business approval team will evaluate the applicant's credit rating according to the account manager's preliminary examination opinions and evaluation criteria. (4) The credit business approval team will hold regular or irregular meetings to evaluate the credit rating of farmers, and issue farmers' loan certificates according to the evaluation results, clearly indicating the credit rating and loan amount. The approved loan amount shall not exceed 70% of the comprehensive income of farmers in that year (excluding other debts to be repaid in that year). "The farmer's loan certificate should be stamped with the official seal of the credit union and signed by the leader of the evaluation team. (5) The credit business examination and approval team will hand over the credit user evaluation records to the credit office staff to register the farmers' economic files. \ \ Loan \ (1) Farmers who are rated as credit users apply for loans to the credit cooperatives with their ID cards and farmers' loan certificates, and fill out the application form for farmers' loans. (2) The staff of the Credit Office carefully examined the valid documents such as the application for farmers' loans, farmers' loan certificates and ID cards, and checked them with the farmers' economic files. \ (3) After the credit backstage personnel check it correctly, they shall go through the loan formalities, sign the Credit Loan Contract for Farmers of Rural Credit Cooperatives with the borrower, and pay it to the accounting supervisor of the credit cooperatives for review before issuing loans. (four) credit office staff at the same time to register the "farmers loan certificate" and "farmers' economic files". (5) The borrower must sign the Application Form for Farmers' Loan, the Credit Loan Contract of Rural Credit Cooperatives and the IOU, and press the handprint.
Second, how long will it take for the rural credit cooperative loan certificate in 2022?
If the rural credit cooperatives lend normally, it will be very fast. The average bank will lend money within three to five days.
1, go to the local countryside first.
2. After receiving the application, the rural credit cooperatives will evaluate the applicant's credit rating and issue a loan certificate.
3, farmers can hold the "loan certificate" and valid identity documents, directly
4, rural credit cooperatives in
5, the purpose and amount of rural credit cooperatives loans
6. Loans can only be issued after passing the examination.
Generally speaking, the lending time of rural credit cooperatives' loans is related to factors such as "their own credit line, whether the borrower's loan procedures are complete and the purpose of the loan". Under normal circumstances, the loan procedures are complete, so the loan can be released in about seven working days; However, if the credit line of rural credit cooperatives is tight, the loan time will be delayed to 1-3 months to get the loan funds.
3. What does the credit department of rural credit cooperatives do?
The work content of the loan officer of rural credit cooperatives:
First, borrow money.
Second, pre-loan investigation.
Third, post-loan tracking.
Fourth, loan information maintenance.
Fifth, pursue loan interest.
Sixth, have certain social skills. RuralCreditCooperatives (hereinafter referred to as rural credit cooperatives) 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 the provisions of 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 restrict and crack down. Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zheng Tong Rural Credit Cooperatives Training School, Credit Department of Rural Credit Cooperatives, etc. It is a department under the dual leadership of CBRC and the State Council.