The credit business approval model of rural cooperative medical institutions in the province is divided into

Centralized approval and hierarchical approval.

1. Centralized approval model: that is, all credit business approvals are centrally approved by provincial or municipal credit centers. The advantage of this model is that it has high approval efficiency, can avoid problems such as information asymmetry and repeated processing, and improves the quality and efficiency of approval. The disadvantage is that it may cause problems such as long approval cycles and difficulty in meeting personalized needs.

2. Hierarchical approval model: that is, the approval of credit business is divided into three levels: provincial, prefecture-level and county-level, and different approval processes are carried out according to business scale and credit risk level. The advantage of this model is that it can meet the needs of different levels and customers, and improves the flexibility and personalization of approval. The disadvantage is that problems such as information asymmetry and repeated processing are prone to occur, which may affect the efficiency and quality of approval.