How to handle small loans in rural credit cooperatives;
1, credit rating of farmers. Mainly according to the basic situation of farmers, assets and liabilities, production and operation, reputation and other indicators to evaluate. The credit rating of farmers is divided into three grades: excellent, good and general.
2, approved the credit line of farmers. Rural credit cooperatives shall, according to the results of farmers' credit rating, farmers' capital demand and credit line application, verify the credit loan limit of the corresponding grade.
3. Issuance of loan certificate. Take households as the unit, and each household has one certificate.
4. Loan application. When farmers apply for loans, they can apply for loans within the credit line with their loan certificates and valid ID cards (or household registration books).
5. Loan issuance. After receiving the application for loans from farmers, the rural credit cooperatives sign a contract after being reviewed by the credit counter staff (or the doorman staff), fill in the loan receipt, and farmers can use the loans according to the regulations.
6. Repay on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.
Rural credit cooperatives will have small credit loans for farmers, which will be issued in the form of credit loans. The loan amount is usually low, generally within 500-65438+10,000 yuan, and the specific amount varies from place to place. The following conditions are required:
1, with fixed residence, local permanent residence and valid residence identification;
2. The borrower has a harmonious family, stable income and the ability to repay the principal and interest on schedule;
3. Personal credit record is good, there is no malicious breach of contract or evasion of bank debts, and they are willing to accept bank credit supervision;
4. Open a personal settlement account in the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;
5. Having the labor ability, basic skills and necessary facilities for planting, breeding or providing services for agricultural production;
6, other conditions stipulated by the local rural credit cooperatives.
Extended data:
Micro-credit loans for farmers refer to unsecured and unsecured loans provided by rural credit cooperatives to farmers within the approved quota and time limit in order to improve the credit service level of rural credit cooperatives, increase investment in supporting agriculture, simplify credit procedures and give full play to the role of rural credit cooperatives in supporting farmers, agriculture and rural economic development. It is suitable for farmers and individuals who are mainly engaged in rural land cultivation or other production and business activities related to rural economic development.
References:
Encyclopedia-farmers' microfinance