Take rural loans in Yunnan as an example:
I. Application conditions
1 Enterprises, institutions, legal persons and other economic organizations approved and registered by the administrative organs (or competent authorities) have business licenses issued by the administrative departments for industry and commerce, and have passed the annual inspection and organization code certificates issued by the technical supervision bureau;
2. card;
3. The purpose of the loan conforms to the national industrial policy and relevant laws and regulations;
4. The borrower has a sound management system;
5. The enterprise is in good operating, financial and credit conditions, and has the ability to repay the loan principal and interest on time;
6. There is a guarantee approved by Yunnan Rural Credit Cooperative;
7. The borrower opens a basic account or ordinary account in Yunnan Rural Credit Cooperative;
8. Meet the requirements of other relevant loan policies of Yunnan Rural Credit Cooperatives.
Two. Submit information
1, loan application;
2. Certificate or power of attorney from the legal representative of the enterprise, resolutions of the board of directors and articles of association;
3. Business license (copy) of the enterprise (legal person) that has passed the annual examination;
4. The audited financial statements and recent financial statements of the borrower in the last three years;
5. Rural credit in Yunnan Province.
Third, the handling procedures
1. The applicant applies for a loan from Yunnan Rural Credit Cooperative and provides the corresponding application materials;
2. Yunnan Rural Credit Cooperatives investigate borrowers and approve loans;
3. Both parties sign a credit contract;
4. The borrower applies for withdrawal;
5, Yunnan province rural official letter review, in line with the provisions of the payer or the entrusted payer to pay.
Extended data:
I. Types of loans
According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years.
According to the loan method, it can be divided into secured loans and credit loans, among which secured loans are divided into guarantee, mortgage and pledge.
According to the user's capital loan and one-time approval, agreement and recyclable flow.
Second, interest rates.
The interest rate of working capital loans shall be subject to the interest rate policy of the People's Bank of China, and rural credit cooperatives shall operate as legal persons.
Third, the time limit.
The longest term of working capital loan shall not exceed 3 years.
Four. Applicable customers
The borrower shall be an enterprise (institution) legal person or other economic organization approved and registered by the administrative department for industry and commerce (or the competent authority).