(1) Farmers apply to credit cooperatives for evaluation.
(two) the account manager (loan officer) to apply for credit rating of farmers to conduct a detailed investigation, including:
1, check the applicant's valid identity documents, and examine whether the applicant is a farmer in this area and has full capacity for civil conduct;
2, whether the applicant or family members have the ability of labor production or management;
3. Verify property and comprehensive income;
4. Whether the loan demand is reasonable;
5. The applicant has no bad credit record in rural credit cooperatives and other financial institutions;
6. Consult the village committee and villagers' representatives about the credit status of the household;
7. Other relevant information.
Account managers (loan officers) should rely on village committees and villagers' representatives to carefully evaluate farmers' credit rating through appraisal, fill in the Farmers' Economic Archives according to the survey content, and put forward preliminary opinions on credit status evaluation.
(III) The account manager (loan officer) will submit the signed farmer's economic files to the credit business approval team, and the credit business approval team will evaluate the applicant's credit rating according to the account manager's preliminary examination opinions and evaluation criteria.
(four) the credit business approval team regularly or irregularly held a meeting to evaluate the credit rating of farmers, and evaluated the reported farmers, and issued a "farmer loan certificate" according to the evaluation results, clearly indicating the credit rating and loan limit. The approved loan amount shall not exceed 70% of the comprehensive income of farmers in that year (excluding other debts to be repaid in that year). "The farmer's loan certificate should be stamped with the official seal of the credit union and signed by the leader of the evaluation team.
(five) the credit business approval team will "credit user evaluation records" to the credit office staff to register "farmers' economic files".
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