1. Rural Credit Loan Three-Year Revolving Loan Loan Conditions

1. Loan Conditions:

1. The borrower is a Chinese citizen with full capacity for civil conduct* **Citizens of the Republic of China; the purpose of the loan is clear and legal; the loan application amount, term and currency are reasonable; the borrower has the willingness and ability to repay.

2. The borrower has good credit status, good moral character, abides by laws and regulations, and has no major bad credit record; has stable economic income and the ability to repay the principal and interest of the loan on time; opens a current account in a rural credit cooperative The deposit account can provide effective guarantees and mortgage (pledge) guarantees recognized by rural credit cooperatives; other conditions required by the lender.

3. Personal production and operation loans, unless meeting the above conditions, may not be used for the following purposes: production and operation activities that do not comply with national industry and environmental protection policies; customers who have been included in the restricted or eliminated categories of our bank operations; capital market investment; repayment of non-performing financial debts.

2. Loan process:

(1) Credit rating assessment. The evaluation is mainly based on the lender's basic situation, asset and liability status, production and operation status, creditworthiness and other indicators. Generally divided into three grades: excellent, better, and average.

(2) Approved credit limit. Based on the credit rating results, capital demand and credit line application, the rural credit cooperative will determine the credit loan limit of the corresponding level.

(3)Issue loan certificate.

(4) Loan application. When applying for a loan, you can apply for a loan within the credit limit by holding a loan certificate and a valid ID card (or household registration book).

(5)Loan disbursement. After the rural credit cooperative receives the loan application, the credit counter staff (or door counter staff) will review the contract and sign a contract, fill in the loan IOU, and then the loan can be disbursed according to regulations.

(6) Repay the loan on schedule. The borrower repays the principal and interest of the loan according to the loan contract.

2. Rural Credit Cooperative Loan Conditions

1. Customer application. When a customer needs to borrow a loan, he or she should submit a loan application in writing to the credit union's credit department. The main contents include the customer's basic information, the type, amount, term, purpose, guarantee method, repayment source, etc. of the loan being applied for.

2.

Customers need to provide the following information when applying for loan business.

(1) Information provided by legal person customers:

1. Identity certificate of the legal representative or authorized principal.

2. Legal person business license. Enterprises in special industries must provide special industry production and operation licenses or enterprise qualification certificates issued by the competent departments and their annual inspection certificates.

3. Joint venture and cooperation contracts and capital verification certificates.

4. A valid loan card issued by the People’s Bank of China and an organization code certificate issued by the technical supervision department.

5. Articles of association of the corporate enterprise; list of board members, principal responsible person, financial person in charge, and signature sample; if it is a limited liability customer, a joint stock limited customer, a joint venture customer, or a contracting customer, It is required to provide the resolutions, documents or documents or certificates with equivalent legal effect of the board of directors or the contractor agreeing to apply for credit business; the resolution of the shareholders' meeting on profit distribution; the registered capital and source of funds of the enterprise.

6. Audited balance sheet, profit and loss statement, cash flow statement, profit and loss statement and sales volume in the past three years. Customers established less than three years ago must submit annual statements since their establishment. Financial report for the period prior to applying for a loan.

7. Deposits, loans and external guarantees for the current year and recent months;

8. Cash flow forecast and operating plan.

9. Tax registration certificate that has passed the annual inspection by the tax department and copies of tax payment certificates from the tax department in the past two years.

10. For medium- and long-term loan projects, various qualified and valid relevant approval documents, estimated assets and liabilities, profits and losses, project construction progress and operation plans should be provided.

11. Feasibility study report on medium and long-term loan projects.

12. New customers are also required to provide a seal card and signature form of the legal representative (authorized principal).

13. Other information required.

(2) The information that individual customers need to provide includes: personal identity certificate; personal and family income and asset certificate; other information that needs to be provided.

(3) Information required by the guarantor:

1. Information provided by the guarantor: identity certificate, business license, special industry production and operation license, enterprise qualification certificate, limited "Consent and Guarantee Opinion", financial report, etc. of a responsible company or joint-stock company.

2. Information provided by the mortgagor: proof of identity, certificate of rights to the mortgaged property, "Letter of Agreement for Mortgage" from a limited liability company or a joint-stock company, mortgage letter approved by the state-owned assets management department, etc.

3. Information provided by the pledger: proof of identity, appraisal and value assessment report of the pledged property, "Letter of Consent to Pledge" from a limited liability company or a joint stock company, etc.

3. How many years after the repayment of the rural credit revolving loan can the loan be refinanced?

Three years. The credit union's three-year revolving loan is repaid within one year. Within the three-year credit period, the loan can be used as needed. How long is the loan term? It must be repaid before maturity. A personal revolving loan refers to a loan that is applied by a natural person and provides guarantee or credit conditions that comply with the bank's regulations. With the approval of the bank, the borrower is granted a maximum credit limit. The borrower can borrow, repay, and recycle the loan within the validity period of the credit limit. A personal loan business. The advantages of personal revolving loan are balance control and recycling: This loan is balance controlled. Within the limit and period, the borrower can adjust the amount used each time. After the loan is repaid, it can continue to be used repeatedly until the maximum balance is reached or the period expires.

4. Can the Crane Card be used to withdraw money from Beijing Rural Commercial Bank?

A handling fee is required. Procedures for withdrawing fees from Beijing Rural Commercial Bank cards in the same city and across banks

1. About Beijing Rural Commercial Bank;

Beijing Rural Commercial Bank was restructured and established on October 19, 2005, and is the first bank under the State Council Provincial joint-stock rural commercial bank approved for establishment. Currently, Beijing Rural Commercial Bank has 694 outlets, ranking first among all banking institutions in Beijing. It is the only financial institution with financial services covering all 182 towns and villages in the city. It has been established as a district bank and initiated the establishment of Hubei Xiantao North Town Bank.

2. Business;

1. Personal business

a. Savings business

Customer savings, lump sum withdrawals, and zero Deposits and withdrawals, principal deposits and interest, fixed-term living and old-age funds

b, personal loans

Personal business loans, personal consumption loans, housing loans, deposits

c, bank card

Phoenix Card, Phoenix Funong Card, Phoenix Huimin Card, Phoenix Gold Account Card, Phoenix Community Card, Phoenix Resident Health Card, Phoenix Elderly Care and Disability Card, Phoenix Civil Affairs and Social Security Card

d, credit card

Phoenix standard credit card (regular card, gold card, platinum card), business card, Funong credit card, Cathay Pacific co-branded card

2, Exchange

a, transfers and remittances, entrusted collections, Rural Credit Union Bank deposits and withdrawals

b, overseas financial services

Account overseas remittances, multi-currency overseas remittances Remittance, carrying certificate, personal foreign exchange purchase, personal foreign exchange settlement, online banking personal foreign exchange settlement and sale, domestic transfer, deposit certificate, foreign exchange remittance, savings

d, payment recharge

Payment center Business "Phoenix Pay Easy" brand

3, company business

a, small and micro enterprise services

Zhongguancun Kexintong loan, village Kebaotong loan, Liandong U Valley revolving loan, Liandong U Valley quick loan, "medicine

b, credit business

Operational property mortgage loan, land reserve, real estate development loan, construction and installation Corporate working capital loans, affordable housing project loans, bank acceptance bill discounting, bank acceptance bill buyer interest discount, domestic factoring business, lease receivable factoring, Zhongguancun Science and Technology Park

c, deposits and Settlement

Demand deposits, call deposits, entrusted collection business, special entrusted collection business in the same city, commercial bills, bank draft industry, check settlement business

d, cash management

Relying on the cash management system platform developed by Beijing Rural Commercial Bank, it provides corporate customers with account management, collection and payment management, liquidity management, and comprehensive fund management services.

e, corporate foreign exchange.

Domestic letter of credit products, import financial service products, export financial service products, overseas project financial service products, domestic project financial service products

4, Sannong business

a, personal agriculture, rural areas and rural business

Convenient agricultural loans, entrepreneurial agricultural loans, heart-warming agricultural loans, special agricultural loans, rural convenience stores, rural self-service

b, corporate agriculture, rural areas and rural areas Business

Key village reconstruction loans, subsidized farmer resettlement housing construction loans, working capital "" credit for agricultural, industrial and commercial companies

5, electronic banking

a, personal

Account inquiry, transfer and remittance, payment and recharge, deposit business, precious metal business, online financial management, fund trading bank, inter-bank collection

b, corporate online banking

Inquiry business, bank-enterprise reconciliation, transfer and remittance, investment and financial management, financial management, electronic bills, agency business, group business, bank-enterprise direct connection

c, mobile banking

Customer Management, account inquiry, account management, savings deposits, call deposits, transfers and remittances, mobile phone transfers, self-service payment, fund investment, precious metal business, financial products, financial quotes, financial information, customer service

d, self-service Bank

ATM, automatic deposit and withdrawal machine, comprehensive service machine, passbook check-in, rural convenience store, community convenience store, online banking experience machine

e, phone number Bank

Account inquiry, transfer and remittance, fee payment, temporary loss report, SMS notification service, appointment service, campus card transfer, value-added service, welfare lottery business, fund business, other services

f , SMS service

SMS notification of account balance changes, SMS authorization transfer, SMS notification to the payee, credit card consumption and repayment reminder, etc.

g, TV payment

You can complete the payment of mobile phone bills, landline bills, gas bills, water bills, heating bills and many other expenses through the TV remote control in your hand