Conditions for loan guarantor of rural credit cooperatives:

The loan guarantor conditions of rural credit cooperatives are relatively simple, as long as the loan guarantor of rural credit cooperatives has sufficient repayment ability, good credit record and has not done anything illegal. Only if you meet the above conditions can you act as a guarantor of other people's loans in rural credit cooperatives.

The loan guarantor of rural credit cooperatives shall bear the following responsibilities:

The law also stipulates the responsibility of the loan guarantor of rural credit cooperatives. The guarantor will have a corresponding share in the guarantee contract signed at the time of guarantee, and then the guarantor must accept and bear his own responsibilities. If you don't accept your share of protection, once the insured is unable to repay, the guarantor will bear joint and several liability.

As a guarantor of others, you must bear the risk of loan guarantor. For example, after the borrower fails to repay the loan, the guarantor needs to repay the loan of the guarantor and fulfill the loan responsibility of the guarantor.

Extended data:

Procedures for becoming a bank loan guarantor

1. Original and photocopy of the guarantor's second-generation ID card;

2. Wages provided by banks or other vouchers that can prove their income;

3. The completed guarantee commitment letter of the guarantor indicates that he is willing to provide guarantee for the borrower and fulfill the corresponding obligations;

4 collateral, should provide proof of ownership. The requirements for becoming a guarantor are as follows: According to the requirements of banks, the requirements of each bank are different. But as a guarantor, the basic condition is that the guarantor needs to have the ability to provide guarantee (property, credit).

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What conditions do rural credit cooperatives need to meet for a loan of 654.38 million yuan?

The loan of rural credit cooperatives refers to the behavior that natural persons or legal persons obtain funds from rural credit cooperatives in accordance with the prescribed conditions and procedures, and agree on the amount, term and interest rate, and repay the principal and interest of the loan at maturity. In rural areas, many farmers are blocked by many banks because of their unstable income. Therefore, many people turn their attention to more counterpart credit cooperatives. Then, how to handle the loan of rural credit cooperatives?

To apply for a loan from a rural credit cooperative, you need to meet some conditions:

1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.

2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.

3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.

Farmers who meet the above conditions can apply for loans with valid documents.

Conditions of loan guarantor of rural credit cooperatives

The loan guarantor conditions of rural credit cooperatives are mainly unrelated to the loan itself; Having full capacity for civil conduct; Have the ability to repay in full and on time; No bad credit record; Have a permanent residence in the local area and a fixed residence.

Note: The loan guarantor of a credit cooperative has sufficient repayment ability, good credit record and no illegal behavior, and can act as the guarantor of other people's loans in rural credit cooperatives. However, it is worth noting that when the insured is unable to repay, the guarantor will bear joint and several liability.

Qualification of loan guarantor of rural credit cooperatives

1. Legal persons, other organizations or citizens who have the ability to pay off debts on their behalf may act as guarantors;

2. State organs shall not act as guarantors, except those who use loans from foreign governments or international economic organizations with the approval of the State Council;

3, schools, kindergartens, hospitals and other public institutions and social organizations for the purpose of public welfare shall not become guarantors;

4. If the branch of an enterprise as a legal person has written authorization from the legal person, it can provide guarantee within the scope of authorization.

What are the procedures and conditions for lending100000 yuan in rural credit cooperatives?

1. Basic condition \ x0d \ x0d \ 1. Whether the enterprise legal person license or business license is valid; \x0d\\x0d\2。 Open a basic account or general account in a credit cooperative; \ x0d \ x0d \ 3。 The enterprise holds a loan card issued by the People's Bank of China; \ x0d \ x0d \ 4。 Obey the management of credit cooperatives, truthfully provide relevant business information to credit cooperatives, and submit reports and business plans on time; \ x0d \ x0d \ 5。 Having fixed business premises and facilities; \ x0d \ x0d \ 6。 The financial management system is sound and the enterprise management is standardized. \x0d\\x0d\ III。 Policy \ x0d \ x0d \ 1. The business activities of the enterprise comply with national laws and regulations; \x0d\\x0d\2。 The loan object must meet the requirements of China People's Bank and rural credit cooperatives; \x0d\\x0d\3。 There is no loan relationship with other banks and credit cooperatives. Enterprises must borrow in a credit cooperative, and there is no problem of multi-head loans; \x0d\\x0d\4。 Enterprises operate within the jurisdiction of credit cooperatives that issue loans, and may not lend across regions. \x0d\\x0d\ IV。 Project feasibility \ x0d \ x0d \ 1. There are sources of raw materials, and there is an intentional agreement on the supply of raw materials; \x0d\\x0d\2。 Product quality is qualified, there is a long-term stable market, and there is an intentional agreement on product sales; 3. There are considerable profits and good economic benefits; \x0d\\x0d\4。 Enterprises have technical support for production; \x0d\\x0d\5。 The proportion of external liabilities of enterprises to total assets is less than 70%. For working capital loans, the proportion of enterprise's own assets to total assets must be greater than 30%; For \ x0d \ x0d \ fixed assets loans, the proportion of enterprise's own assets to total assets must be greater than 50%; \x0d\\x0d\6。 The self-financing of new projects must be above 50%, and proof of registered capital is required; \x0d\\x0d\7。 New projects must have the approval documents of relevant departments. \ x0d \ x0d \ V. Security of loans \ x0d \ x0d \ 1. The guarantor must have sufficient economic strength and the ability to repay the loan, and must be an enterprise, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity; \x0d\\x0d\2。 The collateral must be fixed on the ground and easy to realize, and the loan amount must be controlled within 70% of the collateral; \ x0d \ x0d \ 3。 Pledges, vouchers and rights are true and clear, and bills are legal and valid. \x0d\\x0d\ VI。 Benefits of the loan \ x0d \ x0d \ There are clear and reliable channels to repay the principal and interest of the loan, and the enterprise can take out certain funds to repay the principal of the loan after paying off the interest every year. \x0d\\x0d\ VII。 Enterprise Integrity \ x0d \ x0d \ The enterprise has no behavior of evading and abolishing debts, and has no history of maliciously defaulting on loans and payment from credit cooperatives and other banks, other units and individuals. \x0d\\x0d\ VIII。 Requirements for rural credit cooperatives \ x0d \ x0d \ 1. On the premise of supporting agriculture, the funds organized by the credit cooperatives themselves have enough surplus funds to issue this loan. For every 50 million yuan of surplus funds, only100,000 yuan of corporate loans can be issued at most. May not borrow funds from the People's Bank of China to issue corporate loans or re-loans; \x0d\\x0d\2。 If this loan is granted, the proportion of the enterprise loan to the total loan of the credit cooperative cannot exceed10%; The proportion of the top ten loans of credit cooperatives to the total loans cannot exceed 50%. \x0d\\x0d\3。 City and state associations and credit cooperatives must have loan feasibility demonstration reports, have sufficient reasons for lending, and have improvement measures for existing deficiencies; \x0d\\x0d\4。 Most of the loan review committees of municipal and state associations and credit cooperatives agree, among which: the chairman and director must agree at the same time and mark the words "agree" respectively; \x0d\\x0d\5。 The main person in charge of the municipal and state associations and credit cooperatives must sign the words "true and correct" on all the loan information reported. \x0d\\x0d\6。 Responsibilities of the person in charge of the loan (loan officers of credit cooperatives, county associations, city associations, leaders in charge of credit, responsible persons and other relevant personnel).