1, only those who know the loan officer of the credit union can handle it;
2. At least 300,000 materials should be used as the credit standard of the mortgaged city;
You need to have a good personal credit record.
The loan use function of Father Lejiaka refers to the management principle of "one-time approval, loan with use, balance control and recycling". The borrower uses the loan and repays the loan principal and interest on the counter and self-service equipment of any rural cooperative financial institution in the province with his father Le Jia card.
Extended data:
Dawei Village, Pingling Town, metropolitan area is the hometown of Wang Zhongyang, the founder of Taoism. More than 260 households in the village grow apples 1500 mu. Due to the poor price of apples last year, farmers' income was greatly affected, which worried Gao Yatao, the newly appointed village director.
"We are not an apple eugenics area here, so Apple's market competitiveness is not good." Gao Yatao said frankly. After many inspections, he decided to lead the villagers to develop cherries and dried apricots in greenhouses.
In order to let the villagers see the effect as soon as possible and enhance their confidence in development, he took the lead in building a standard cherry shed with a length of 80 meters and a width of 10 meter last year, and acquired 68 large cherry trees. This year, his cherries were sold to the whole country through e-commerce, with the highest price of 1 kg sold to 320 yuan.
"Building a shed and buying a tree will cost thousands. At first, I was worried. Fortunately, Qin Dou Rural Commercial Bank gave me a' Father Le Jia Card' with a quota of 200,000, which solved the problem. " Gao Yatao said. "Father Jialeka is a new product developed by us to solve the problems of difficult loans for farmers, complicated procedures and inconvenient use;
It has the characteristics of "one-time approval, on-demand loan, balance control and recycling". For example, Gao Yatao's card, as long as it does not exceed 200,000, can be repaid at any time within two years, eliminating the trouble of using money once and submitting an application once. It is very practical and flexible. Wang Xianfeng, president of Qin Dou Rural Commercial Bank, told reporters.
While innovating financial products to help the development of rural industries, Qin Dou Rural Commercial Bank has made the E-end of financial services an important task of "strengthening agriculture, benefiting farmers and facilitating people", aiming at the problems of scattered farmers, insufficient investment in self-service banking equipment, difficulty in withdrawing money from farmers, and difficulty in settlement, and has opened up the "last mile" of financial technology services in remote towns.
It is understood that in 20 14, Shaanxi Credit Cooperatives independently developed a new generation of electronic terminals with the characteristics of simple operation, rich functions and easy expansion.
After that, 25 business units under the jurisdiction of Qin Dou Rural Commercial Bank actively expanded the "e-end financial service points for helping farmers". They went deep into the village group, visited farmers and gave on-site counseling. They successively used wireless 3G technology, carried wireless teller terminals, and went deep into the service points for helping farmers in the villages under their jurisdiction to conduct special publicity, guiding farmers to use E-terminal to handle business on the spot.
At present, Qin Dou Rural Commercial Bank's "e-terminal for agricultural assistance service" has covered all administrative villages under its jurisdiction and been put into use, allowing villagers to handle financial services such as small withdrawals, subsidies for benefiting farmers, social security contributions, pension collection, telephone payment and transfer settlement without leaving the village, which greatly facilitates the daily life of urban and rural people.
A villager said excitedly, "This machine is wonderful. With it, I don't have to go to the city to pay for my baby! "
Baidu Encyclopedia-Father Jialeka