Take Yunnan Rural Credit Cooperative's working capital loan for farmers as an example: 1. Application conditions 1. The borrower should be an enterprise, legal person or other economic organization approved and registered by the industrial and commercial administration authority (or competent authority), and have a certificate issued by the industrial and commercial administration department

Business license, and pass the annual inspection and organizational code certificate issued by the Technical Supervision Bureau; 2. Hold a loan certificate/card issued by the People's Bank of China; 3. The purpose of the loan complies with national industrial policies and relevant regulations; 4. The borrower has a sound

The operating management organization and operating management system; 5. The business operation, financial and credit status are in good condition, and it has the ability to repay the principal and interest of the loan on time; 6. There is a guarantee recognized by the Yunnan Rural Credit Cooperative; 7. The borrower is in the Yunnan Rural Credit Cooperative

Open a basic account or general account; 8. Comply with other relevant loan policy requirements of Yunnan Rural Credit Cooperatives.

2. Submit materials 1. Loan application form; 2. Enterprise legal representative certificate or power of attorney, board of directors resolution and company articles of association; 3. Enterprise (legal person) business license (copy) that has passed the annual review; 4. Borrower

Audited financial statements and recent financial statements for the past three years; 5. Other documents and certificates required by Yunnan Rural Credit Cooperatives.

3. Processing procedures 1. The applicant applies for a loan to the Yunnan Rural Credit Cooperative and provides corresponding application materials; 2. The Yunnan Rural Credit Cooperative investigates the borrower and reviews and approves the loan matters; 3. Both parties sign a credit

Contract; 4. The borrower submits a withdrawal application; 5. Yunnan Rural Credit Cooperative will review the withdrawal application, and if it meets the payment regulations, the borrower will make independent payment or entrust payment.

Extended information: 1. Loan types can be divided into short-term working capital loans within one year and medium-term working capital loans between one and three years according to the loan term; they can be divided into secured loans and credit loans according to the loan method, among which guaranteed loans

It is further divided into forms such as guarantee, mortgage and pledge; according to the usage method, it can be divided into working capital loans that are applied one by one and reviewed one by one, and liquidity loans that are approved once, borrowed and repaid within the agreed period and limit, and can be recycled.

Capital loan.

2. Interest rates The interest rates for working capital loans shall comply with the interest rate policy provisions of the People's Bank of China and shall be reasonably determined in accordance with the loan pricing methods of the legal person operating institutions of rural credit cooperatives.

3. The maximum term of a working capital loan shall not exceed 3 years.

4. Applicable customers The borrower should be an enterprise (institution) legal person or other economic organization approved and registered by the industrial and commercial administration authority (or competent authority).