1, handle various loans;
2. Bill discount;
3. Handling asset transfer;
4. Handle the settlement under the loan;
5. Other assets business approved by China Banking Regulatory Commission.
Scope that the loan company cannot operate:
1, the loan company shall not invest abroad;
2, the loan company shall not engage in other business activities other than operating loans;
3. The loan company shall not set up branches;
4. Lending companies cannot absorb public deposits and raise funds in any form.
Operating principles of the loan company:
1: The loan company should establish a salary distribution system and a positive incentive and restraint mechanism suitable for its own business characteristics and scale, and cultivate a corporate culture suitable for local rural economic development.
2. Loan companies independently choose loan targets under the principle of serving farmers, agriculture and rural economic development. When issuing loans, loan companies should adhere to the principle of "small amount and dispersion", encourage loan companies to provide credit services for farmers and micro-enterprises, and strive to expand the number of customers and service coverage. The loan balance of the same borrower shall not exceed 5% of the net capital of the loan company. Within this standard, the maximum loan limit can be set with reference to the economic situation of the loan company and the per capita GDP level.
3. The loan company shall establish a credit mechanism suitable for its own business development and reasonably determine the credit lines of different borrowers. Within the credit line, the loan company can grant loans in the form of one-time credit, multiple use and revolving loan.
4. The loan company shall establish and improve the loan management system, clarify the business processes and operational norms such as pre-loan investigation, in-loan review and post-loan inspection, and earnestly strengthen loan management.
5. The loan company shall, in accordance with the relevant provisions of the state, establish a prudent and standardized asset classification system and capital replenishment restraint mechanism, accurately divide the asset quality, fully make provision for bad debts, ensure that the asset loss reserve adequacy ratio is always above 65,438+000%, comprehensively cover risks, write off bad debts in time, and truly reflect the operating results.
6. The loan company shall establish a commitment system for sponsors and shareholders. The organizer issues a letter of commitment to the examination and approval authority. Shareholders of the company signed a letter of commitment with the loan company, promising to consciously abide by the company's articles of association, participate in management and take risks.
7. The loan company shall establish and improve the internal control system and internal audit mechanism, improve the ability of risk identification and prevention, check and evaluate the implementation of internal control, correct and improve the weak links of internal control, and ensure compliance with laws and regulations.
8. A loan company that implements the national unified financial accounting system for financial enterprises shall truly record and comprehensively reflect its business activities and financial status, prepare financial accounting reports and submit them to the Administration for deliberation. Conditional loan companies can introduce external audit system.