Generally, it is divided into two ways: student loans from students' places of origin and college student loans. The interest rate is relatively low and the repayment period is long. Moreover, the student loans of rural credit cooperatives also require borrowers to provide relevant materials and follow the loan process. For those students who can't continue their studies because of family poverty, the student loan from rural credit cooperatives is the gospel of many poor rural students.

Second, help the income of farming families.

It is a public welfare micro-loan product designed for the purpose of helping agriculture and poverty. The loan is specially used to buy materials needed by farmers for production and operation, with a return rate of about 5.35% annualized income, and the starting price is 6543.8+000 yuan.

Loan (electronic IOU credit loan [5]) is a simple and popular understanding, that is, borrowing money with interest.

1, lending institution

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. Principles

"Three natures" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency. Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without losing ground, so as to meet the needs of customers to withdraw deposits at any time;

3. Microfinance

Review risk: The emergence of loan risk often begins at the stage of loan review. As can be seen from the disputes in the comprehensive judicial practice, the risks in the loan review stage mainly appear in the following links. The content of the review omitted the loan examiner of the bank, which caused the credit risk. Loan review is a meticulous work, which requires investigators to analyze the qualifications, qualifications, credit and property status of loan subjects.