In order to improve the quality of credit assets of rural credit cooperatives, Ding and Xing of Xingyang Sub-branch of China People's Bank need to overcome the existing problems and do the following work: 1. Enrich the credit team and improve the quality of credit personnel. 1. Train credit accountants, loan officers and credit cooperatives at all levels, and the training can take various forms, such as replacing training with meetings and holding short training classes; The second is to send young and promising talents and promising reserve cadres to colleges and universities for directional training; Third, strengthen the ideological style construction of credit personnel and enhance their sense of responsibility; Fourth, enrich the credit team, equip with high-quality credit personnel, enrich some talents with high political and ideological quality, strong sense of responsibility and excellent professional quality into the credit team, transfer some people who are not suitable for credit work out of the credit team, maintain the purity and combat effectiveness of the credit team, and establish a high-quality credit team that can fight hard. The second is to strengthen internal management and improve the credit management system. First, start with perfecting the system and establish credit management and risk prevention mechanisms. According to the relevant economic and financial laws and regulations, combined with the actual situation in the region, formulate the Measures for the Management of Credit Funds, the Detailed Rules for the Implementation of Risk Management of Credit Assets, the Detailed Rules for the Separation of Credit and Trial, the Measures for Guaranteed Loans, the Measures for Fixed Assets Loans and the Measures for the Inspection and Assessment of Credit Work, so that the credit work of rural credit cooperatives can be legally followed; Second, it is necessary to implement the credit management responsibility system, separate the examination and loan, and establish a letter combining responsibility and rights ..... (This article has 2 pages in total).

Second, borrow money and spend a lot of money on evaluation! What suits you best is the best.

In recent years, with the rapid development of Internet finance, many micro-credit loans with convenient procedures have been launched one after another, and technology and finance are still the key words of the times. Under this trend, borrowing money and spending money are popular credits. So, which is better, borrowing money or spending money? Let me give you a brief analysis.

Opening qualification setting

Opening qualification is a very important link, because it is related to whether you can borrow money on the platform. Ant borrowing is an invitation system, which is only open to users of their own platforms. According to the user's qualification evaluation, only users with sesame credit score above 600 have the opportunity to use it, and then invite users to open it, and it is not supported to open it by themselves. "Borrowing" can be seen in Alipay Personal Center.

Compared with the rich flower, it is more open. Rich flowers are a mechanism of active opening. If you download Fuguihua, you can apply for opening it. From the perspective of open qualification, Baidu has obvious advantages in spending money.

Lending is "open by invitation" and money can be opened on its own initiative. To sum up, the borrowing threshold is higher than money, and it is more convenient to have money.

Credit granting method

Under normal circumstances, when users open ant borrowing, they will mainly evaluate the credit according to the user's sesame credit. Generally speaking, the higher the sesame credit score, the higher the credit line that can be obtained. Sesame credit score will be evaluated mainly from the aspects of user's identity information, credit situation, personal relationship and repayment ability. However, many people also reported that sesame scored more than 700 points, far exceeding the bottom line of 650 points, but still failed to open a loan.

There are three main ways to grant credit with money. These three methods are suitable for users with different needs, namely "all-easy loan", "privileged loan" and "short-term loan", and choose the loan that suits them according to their borrowing needs.

If you withdraw cash by credit card, the daily interest rate is 0.05%, that is, the daily interest of the loan is 65,438+0,000 yuan, which is lower than that of credit card, and the calculation of interest expense is more transparent. The following is a detailed introduction to the above three.

All-easy loan: suitable for most users. It is called all-easy loan because you only need to fill in your identity information and you can get the loan amount after submitting the materials. The daily interest rate is as low as 0.02%, and the loan interest is as low as 654.38+100000 per day in 2 yuan, with a maximum of 200000.

Privileged loan: users who need a one-time large loan can apply for it, and interest will be calculated on a daily basis. The monthly rate is as low as 1.00% and as high as 300,000 yuan.

Short-term loans: Short-term loans belong to, with high pass rate and daily interest, and the amount is between 500 yuan-1 1,000 yuan.

It should be noted that at present, Qianhua only collects loan interest from borrowers, and there are no other service fees and management fees. However, if the borrower is overdue, only the borrower's overdue interest will be charged on a daily basis, and nothing else will be involved.

Borrowing money and spending money have their own evaluation and classification. From the point of view of the increase of the quota, the credit score is more strictly controlled by borrowing money, while from the point of view of user division, the three types of rich flowers make users feel better.

Comprehensive arrangement from today's newspaper, Southern Fortune Network, I love cards, Tonghua Finance.

Three. On-site evaluation process of bank credit loan

1. Apply first. You need to apply for a loan form and submit relevant personal documents.

2. Secondly, credit rating evaluation. The bank evaluates according to the relevant information, the credit information system authorized to inquire and the credit rating.

3. Final loan survey. Investigate the legitimacy, security and profitability of the loan bank.