I. Loan conditions:

1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.

2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.

3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.

Second, the loan process:

(1) Credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average.

(2) Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades.

(3) Issuing loan vouchers.

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

(5) loan issuance. After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel (or the doorman personnel), fill in the loan receipt, and then use the loan according to the regulations.

(6) Repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.

Second, the loan conditions of rural credit cooperatives

1, customer application. When a customer needs to borrow money, he should submit a written application to the credit department of the credit union, which mainly includes the basic information of the customer, the variety, amount, term, purpose, guarantee method and repayment source of the loan.

2、

Customers applying for loan business shall provide the following information.

(1) Information provided by the company's customers:

1. Identification of the legal representative or authorized client.

2. Business license of legal person. Enterprises in special industries shall provide the production and operation license or enterprise qualification grade certificate issued by the competent department and its annual inspection certificate.

3. Joint venture cooperation contract and capital verification certificate.

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 enterprise as a legal person; List of members of the board of directors, principal responsible persons, and chief financial officers and signature samples; If it is a limited liability customer, a joint-stock limited customer, a joint venture cooperative customer or a contracted customer, it is required to provide a resolution, document or document with the same legal effect that the board of directors or the employer agrees to apply for credit business; Resolutions of the shareholders' meeting on profit distribution; Registered capital and sources of funds of enterprises.

6. The audited balance sheet, income statement, cash flow statement, income statement and sales in the last three years. For customers established less than three years ago, submit the annual report since its establishment. The previous financial report when applying for a loan.

7. Deposits, loans and external guarantees in this year and recent months;

8. Cash flow forecast and operation plan.

9 copies of the tax registration certificate passed the annual inspection by the tax authorities and the tax payment certificates of the tax authorities in the past two years.

10. For medium and long-term loan projects, all kinds of qualified and effective relevant approval documents, estimated assets and liabilities, profit and loss, project construction progress and operation plan shall be provided.

1 1. Feasibility study report of medium and long-term loan projects.

12. New customers also need to provide the seal card and the signature pattern of the legal representative (authorized client).

13. Other required information.

(2) The materials that individual customers need to provide are: personal identification; Personal and family income and assets certificate; Other information to be provided.

(3) Information that the guarantor should provide:

1. Information provided by the guarantor: identity certificate, business license, production and operation license for special industries, enterprise qualification grade certificate, consent letter of limited liability company or joint stock limited company, financial report, etc.

2. Information provided by the mortgagor: proof of identity, proof of collateral rights, opinions from a limited liability company or a joint stock limited company agreeing to mortgage, and letters from the state-owned assets management department agreeing to mortgage, etc.

3. Information provided by the pledgee: identification certificate, appraisal report of pledged property, and "opinion of agreeing to pledge" of a limited liability company or a joint stock limited company, etc.

3. How many years can rural credit cooperatives refinance after repayment?

Three years. The three-year revolving loan of the credit cooperative will be paid off within one year. Provide loans on demand during the three-year credit period. How long is the loan term? It must be paid off before it expires. Personal revolving loan refers to the personal loan business that a natural person applies for and provides guarantee or credit conditions that meet the requirements of the bank. With the approval of the bank, the borrower is granted a maximum credit line, which can be used by the borrower to repay the loan and be recycled within the validity period of the credit line. Personal revolving loan leads balance control recovery: this loan is balance control. Within the quota and term, the borrower can match the amount used each time, and can continue to recover after the loan is returned until it reaches the highest balance or expires.

4. Can Heka withdraw money from Beijing Rural Commercial Bank?

There is a handling fee. Beijing Rural Commercial Bank's Bank Card Inter-bank Charging Procedure in the Same City

First, about Beijing Rural Commercial Bank;

Beijing Rural Commercial Bank was restructured and established in June 65438+1October 65438+September 2005. It is the first provincial joint-stock rural commercial bank in the State Council. At present, 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 townships in the city. Become a regional bank and initiate the establishment of Hubei Xiantao Beizhen Bank.

Second, operating business;

1, personal business

I. Savings business

Current savings, lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, interest deposit and withdrawal, fixed income, convenient retirement.

B. Personal loans

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

C. bank card

Phoenix Card, Huangfu Nong Card, Phoenix Huimin Card, Phoenix Gold Account Card, Phoenix Community Card, Phoenix Resident Health Card, Phoenix Pension Card, Phoenix Civil Affairs Social Security Card.

D, credit card

Phoenix Standard Credit Card (Puka, Gold Card, Platinum Card), Official Card, Fu Nong Credit Card and Cathay Pacific Co-branded Card.

2. Exchange

1. Transfer and remittance, entrusted collection and bank deposit and withdrawal of rural credit cooperatives.

B. Overseas financial services

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

D, payment and recharge

"Phoenix Easy" brand, the intermediary business of payment agent.

3. Company business

First, small and micro enterprise services

Zhongguancun Kexintong Loan, Village Branch Bao Tong Loan, Li Andong U Valley Revolving Loan, Li Andong U Valley Express Loan, "Medicine"

B. Credit business

Operating property mortgage loans, land reserve funds, real estate development loans, working capital loans for construction and installation enterprises, loans for affordable housing projects, discount of bank acceptance bills, discount of interest paid by buyers of bank acceptance bills, domestic factoring, rent receivable factoring, Zhongguancun Science Park.

C, deposit and settlement

Time deposit, call deposit, entrusted collection business, special entrusted collection business in the same city, commercial bill, bank bill 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, receipt and payment management, liquidity management and comprehensive fund management services.

E. Company's foreign exchange

Domestic letter of credit products, imported financial services products, export financial services products, overseas project financial services products, domestic project financial services products.

4. Agriculture, Countryside and Farmers Business

I. Personal management of agriculture, countryside and farmers

Convenient agricultural loans, entrepreneurial agricultural loans, warm-hearted agricultural loans, characteristic agricultural loans, rural convenience stores and rural self-help.

B, the enterprise's three rural business

Loans for the renovation of key villages, loans for the construction of affordable farmers' resettlement houses, and "credit" for working capital of agricultural, industrial and commercial companies.

5. Electronic banking

I. Individuals

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

B, enterprise online banking

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

C. Mobile banking

Customer management, account inquiry, account management, savings deposit, notice deposit, transfer and remittance, mobile phone transfer, self-service payment, fund investment, precious metal business, wealth management products, financial quotation, financial information and customer service.

D. self-service bank

ATM, ATM, comprehensive service machine, passbook replacement machine, village convenience store, community convenience store, online banking experience machine.

telephone banking

Account inquiry, transfer and remittance, payment agency, temporary loss reporting, SMS notification service, reservation service, campus card transfer, value-added service, lottery business, fund business and other services.

F, SMS service

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

G, TV payment

Through the TV remote control in your hand, you can pay the mobile phone fee, fixed telephone fee, gas fee, water fee, heating fee and so on.