I. Basic conditions

1, the business license of the enterprise as a legal person or the business license is valid;

2. Open a basic account or general account in a credit cooperative;

3. The enterprise holds a loan card issued by the People's Bank of China;

4 obey the management of credit cooperatives, truthfully provide relevant business information to credit cooperatives, and submit statements and business plans on time;

5. Having fixed business premises and facilities;

6. Sound financial management system and standardized enterprise management.

Third, policy.

1. The business activities of the enterprise comply with national laws and regulations;

2, the loan object must meet the requirements of the people's Bank of China and rural credit cooperatives credit support object;

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;

4. Enterprises shall operate within the jurisdiction of credit cooperatives that issue loans, and shall not lend across regions.

Four. Feasibility of the project

1, raw materials have sources, and the supply of raw materials is intended to be agreed;

2, the product quality is qualified, there is a long-term stable market, and the product sales are intentional agreements; 3. There are considerable profits and good economic benefits;

4. The enterprise has technical support for production;

5. The proportion of external liabilities to total assets of the enterprise is less than 70%. For working capital loans, the proportion of enterprise's own assets to total assets must be greater than 30%; correct

For fixed assets loans, the proportion of enterprise's own assets to total assets must be greater than 50%;

6. Self-raised funds for new projects must be above 50%, with proof of registered capital;

7. New projects must have the approval documents of relevant departments.

Verb (short for verb) The security of loan.

1, the guarantor must have sufficient economic strength and alternative repayment ability, and must be an enterprise, other economic organizations and individual industrial and commercial households with legal personality.

Or a natural person with full capacity for civil conduct;

2 collateral must be fixed on the ground and easy to realize, and the loan amount must be controlled within 70% of the collateral;

3. Pledges, vouchers and rights are true and clear, and bills are legal and valid.

Benefits of intransitive verb loan

There are clear and reliable channels to repay the loan principal and interest, and the enterprise can take out certain funds to repay the loan principal after settling the interest every year.

Seven. Honesty of enterprise

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.

Eight, the requirements of rural credit cooperatives

1. On the premise of supporting agriculture, the funds organized by the credit cooperatives themselves have enough surplus funds to issue this loan. Every 50 million yuan has the most surplus funds.

Only enterprise loans can be issued100,000 yuan. May not borrow funds from the People's Bank of China to issue corporate loans or re-loans;

2. If this loan is granted, the proportion of the enterprise loan to the total loan of the credit cooperative cannot exceed 65,438+00%; The proportion of the top ten loans of credit cooperatives to the total loans cannot be

More than 50%.

3, city and state associations, credit cooperatives must have a loan feasibility report, there are sufficient reasons for the loan, and there are improvement measures for the existing problems;

4. Most of the loan review committees of city 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;

The main person in charge of the 5 city, state and union credit cooperatives must sign the words "true and correct" on all the loan information reported.

6, the responsibility of the loan (credit cooperatives, county association, city association loan officer, the leader in charge of credit, the main person in charge and other relevant personnel) should bear the responsibility.