1, personal identity card and other relevant identification materials;

2, personal business project approval materials;

3. Proof of loan use;

4. Other relevant certification materials stipulated by Quanzhou Bank.

Rural youth entrepreneurship loan procedures:

1, rural youth who meet the loan conditions voluntarily declare to the youth league organization. League organizations around the country, especially at the township and village levels, should strictly review the application projects and prospective borrowers, and actively recommend them if they meet the conditions.

2. The agricultural banking financial institutions cooperating with the League organizations shall carefully review the applicant's credit standing, the feasibility of the business plan, the development prospect and the expected repayment ability after receiving the projects and potential borrowers recommended by the League organizations. , to determine the risk and feasibility of loans, to carry out credit rating work, preferential loans.

Extended data:

In line with the principle of "convenient for customers, flexible and diverse, covering risks", we should actively explore and innovate loan methods suitable for agriculture and rural areas and with strong operability according to local conditions.

Boldly innovate the small loan guarantee method for rural youth entrepreneurship. In view of the reality of rural youth entrepreneurship, various forms of guarantee can be adopted, such as mortgage, pledge, natural person guarantee and legal person guarantee. Encourage agricultural financial institutions to further expand the scope of property that can be used as a loan guarantee for rural youth according to the characteristics of agricultural development and rural economy and relevant laws.

Explore the development of mortgage loans such as agricultural production equipment, forest rights, and the right to use water beaches, and standardize the development of rights pledge loans such as accounts receivable, equity, warehouse receipts, deposit certificates, and agricultural products futures. Encourage all kinds of credit guarantee institutions to provide guarantees for rural youth entrepreneurship microfinance through re-guarantee, joint guarantee and combination of insurance and insurance.

Actively promote and develop credit models such as "company+farmers", "company+intermediary organizations+farmers", "company+professional market+farmers" and "farmers' professional cooperatives+members", improve the success rate of rural youth's first venture, make full use of the advantages of agricultural industrialization, and reduce loan risks.

Encourage agricultural banking financial institutions, rural credit guarantee institutions and relevant intermediaries to strengthen cooperation with insurance companies, and explore and develop new products of "credit+insurance" financial services with orders and insurance policies as the underlying assets. Where conditions permit, guide and encourage rural youth to develop "credit+insurance" entrepreneurial projects.

Vigorously develop mutual insurance and joint guarantee loans for rural youth entrepreneurship. Encourage agricultural banking financial institutions to strengthen cooperation with credit associations or credit cooperatives and other credit subjects, and actively explore and develop joint credit loans to meet the financial needs of credit subjects by using joint guarantees, guarantee funds, risk deposits and other joint credit enhancement methods.

Guide and encourage rural youth who are interested in starting a business to actively join credit associations such as "joint household insurance group", "credit mutual aid organization", "credit union", "professional organization guarantee" and "guarantee association" Improve the internal incentive and restraint mechanism of credit and mobilize the enthusiasm of internal members for self-management.

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