The conditions of individual small loans of rural credit cooperatives and the legal status of the applicants; 2 farmers are farmers within the jurisdiction of the credit cooperatives; 3. The applicant has full capacity for civil conduct; , the applicant or family members have the ability to work, produce or operate; 5. The applicant has a stable economic income; 6. The applicant has good credit and the ability to repay the principal and interest of the loan; 7. Other conditions stipulated by rural credit cooperatives. The materials required for the rural credit cooperatives to handle personal micro-loans and the "Personal Loan Application Form" truthfully filled out by the borrowers; 2, the borrower's valid identity documents (refers to the resident identity card, household registration book, etc ... ); 3. Farmers' loans require the provision of family property; Legal and stable income certificate or income certificate issued by the unit or neighborhood Committee where the borrower and his urban resident spouse work; Valid identity certificate and photocopy of the property co-owner; 5. In the form of guarantee, the guarantor's credit certificate and the guarantor's consent to guarantee shall be provided; 6. In case of mortgage or pledge, the list of mortgaged (pledged) goods, the certificate that the disposition person agrees to mortgage (pledged), the certificate of ownership or use right of the mortgaged property, the pledge certificate, the asset appraisal report and the necessary insurance certificate shall be submitted; 7. Other materials that need to be provided. Rural credit cooperatives' personal microfinance process (1) farmers' credit rating. 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) Issuing loan vouchers. 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) Repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.

Can rural credit cooperatives lend money?

Of course.

Rural credit cooperatives personal loan application conditions are as follows:

1. The borrower is a citizen of People's Republic of China (PRC) (China) and has full capacity for civil conduct;

2. The purpose of the loan is clear and legal;

3. The loan application amount, term and currency are reasonable;

4. The borrower has the willingness and ability to repay;

5. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record;

6 have a stable economic income and the ability to repay the principal and interest of the loan on schedule;

7. Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives;

8. Other conditions required by the lender.

Extended data

Loan risk

1. When rural credit cooperatives collect loans through litigation, they do not carefully examine the basic situation of the parties, and some parties no longer have the main qualifications, which increases the risk of loan recovery.

2. Lenders are lax in examining loans, and some borrowers sign loan contracts or guarantee contracts with financial institutions under the guise of others, resulting in loans that cannot be recovered in the end.

3. The post-lending supervision mechanism of financial institutions is not perfect, and post-lending management is neglected, and even collection is not allowed. Only when the limitation period expires or it is critical, it is found that the whereabouts of the borrower and even the guarantor are unknown, and there is no hope of loan recovery, resulting in non-performing loans.

Refer to Baidu Encyclopedia-Personal Loan

Refer to Baidu Encyclopedia-Rural Credit Cooperative Loan

Can rural credit cooperatives in Daoxian County, Hunan Province borrow money?

Rural credit cooperatives can apply for loans after applying for loans.

Users can apply for loans directly in the rural credit cooperatives, and after signing the contract after examination, the money will be directly credited to the rural credit cooperatives card. When applying for online loans, many products only support lending to mainstream bank cards, while the cards of rural credit cooperatives are usually local, so it is not suitable for applying for online loans. It is recommended that mainstream bank cards apply for online loans.

Under normal circumstances, users will be informed which bank card online lending products support lending, and users only need to consult online customer service.

Loan characteristics of rural credit cooperatives

Because the nature, status and role of credit cooperatives are different from those of national specialized banks, they have their own characteristics in the specific operation of loans:

The loan objects of the majority of credit cooperatives involve all kinds of ownership and fields in rural areas, including:

1. Contractors, specialized households and rural cooperative business units engaged in agriculture, forestry, animal husbandry, sideline and fishery.

2. Township (town) offices, village offices, organization offices, household registration offices and various forms of joint ventures or new economic complexes that have been approved by relevant departments to implement independent accounting.

3. There are rural cultural, educational, health and scientific research institutions that guarantee operating income and repayment.

4 rural individual economic households and economic associations engaged in handicrafts, commerce, transportation, construction and service industries with the approval of relevant departments. In addition, credit cooperatives with strong financial strength can also provide loans to enterprises and institutions within the credit scope of national specialized banks. Of course, due to the nature of credit cooperatives, the focus of their loan support is agricultural production, and others can only support according to their abilities on the premise of meeting the demand for agricultural production funds.

The characteristics of credit cooperatives' loans The main business of credit cooperatives is rural credit, and its business processes and technical operations are basically the same as those of national specialized banks. Therefore, the systems and measures of national specialized banks on rural credit management are equally applicable and binding in credit cooperatives.