Farmer loan scheme

How do rural cooperatives borrow money?

Rural cooperative loans, the specific steps are as follows:

1. The borrower goes to the credit union with the "agricultural loan certificate" and his ID card.

Two, fill in the "application form for farmers' loan" and submit the relevant loan materials.

Three, credit cooperatives accept loan applications, review the borrower's "farmer loan certificate", "farmer loan application" and other related materials, to confirm whether the applicant meets the loan conditions.

Four, after examination and approval, credit cooperatives and borrowers signed a loan contract.

Five, and then go through the follow-up procedures, including the registration of "farmers' loan certificate" and "farmers' economic files".

6. Credit cooperatives issue loans to borrowers.

Rural cooperatives came into being in the early 1950s. They are agricultural socialist economic organizations that collectively own all their means of production (land, large farm tools and farm animals), and farmers work collectively, from each according to his ability, and distribute according to his work.

Rural collective economic organizations are different from enterprise legal persons, social organizations and administrative organs, and have their unique political and legal nature.

Rural cooperatives have experienced three main periods, namely, the cooperative period (from primary cooperatives to advanced cooperatives); People's commune period (divided into three levels: production team, production brigade and commune, based on production team); During the period of economic cooperatives (after the rural reform was cancelled and the rural organizational system was established, the original people's commune, production brigade and production team were changed to township and village groups, and in order to adapt to the economic functions of the production team, they were renamed economic cooperatives, and the names of village groups and economic cooperatives coexisted).

According to the provisions of the Organic Law of Villagers' Committees, although the autonomous organizations of rural grass-roots society are villagers' committees and villagers' groups under them, in the current rural grass-roots organizations, most rural collective economic organizations (economic cooperatives) and villagers' groups or villagers' committees are the same institution, that is, one institution with two seals. Their decision-making mechanisms are similar, and their functions overlap in practice, especially in the management and service of rural grass-roots society. They can't be completely separated and have "the unity of politics and society". To sum up, rural collective economic organizations are different from enterprise legal persons, social organizations and administrative organs, and have their unique political and legal nature. It is precisely because of this particularity that the functions of rural collective economic organizations and the qualifications and rights of their members are determined.

I am an ordinary farmer. How can I get a loan?

There are the following methods:

1, rural loans are generally easier to get from Agricultural Bank of China and rural credit cooperatives (rural commercial banks);

2. General farmers apply for loans only for specific projects; Provide identity cards, property rights, and most importantly, loan project plans;

3. There are no acquaintances, and the maximum loan does not exceed 654.38+ 10,000;

4. Interest is similar to normal interest, but it may fluctuate slightly according to the person and project you are looking for;

At present, the state has special funds for farmers, which basically go to towns and villages. You can consult the rural credit cooperatives. At present, China's policy towards farmers is quite good, but as you know, it tends to weaken to a certain extent. Loans require a lot of formalities. Of course, I will only talk about a few important components. First, the purpose of your loan is to do business, build a house, open a shop, or something. Banks will not lend money to people with no purpose or weak purpose. People who borrow money to do business are different from those who borrow money to buy a house. Buying a house is not liquidity, and there are opportunities for business development. Second, your repayment ability, the bank will not casually lend money to a person who can't afford it. Not in the' 80s, but it was borrowed then. Banks didn't think of repayment because of policy reasons, but now bank management has been institutionalized and standardized, so you have to have a complete repayment plan, and you have to give the bank a statement about how you want to repay. The bank has a lot of money. Why should he lend it to you? Third, the guarantee and mortgage, who is the guarantor? If there is no guarantor, is there anything valuable to mortgage? This is to prevent banks from having bad debts and bad debts. Now the bank also talks about this in business, and there are some relationships behind it. Relationships are more than just knowing a few people. You know him, but you haven't achieved these three points, you can't afford it, and you don't have a mortgage. Nobody dares to give you a relationship!

The above is the answer to your question, I hope it will be adopted, thank you!

How to borrow farmers' loans, and comprehensively analyze the situation of farmers' loans for everyone.

In the past, many banks could not provide loan services for users who did not have fixed jobs, which meant that many farmers could not apply for loans. With the advent of the financial era, many farmers can also apply for loans directly from banks, and many banks can provide professional loan services for farmers. How to borrow farmers' loans? Who is the farmer's loan target? Here is a comprehensive introduction to the situation of farmers' loans.

How to borrow farmers' loans

1, micro-credit of rural credit cooperatives

Maximum loan amount 10w yuan. Lenders need to apply to local rural credit cooperatives with their ID cards and loan purposes, and then apply according to the requirements of banks. If the qualifications are not so good or people who want a higher loan amount can find someone to guarantee.

2. Mortgage loan

If the lender has a full building, it can be directly used for housing mortgage loans, and the loan amount obtained is relatively high; If the bus arrives, most banks will not accept this kind of business. You can go to an offline loan company with car-to-account business for consultation.

What is a farmer loan?

Farmers' loans refer to all kinds of RMB loans issued by rural credit cooperatives to farmers who meet the loan conditions in their service areas for production, operation and consumption. The types of farmers' loans mainly include farmers' planting loans, farmers' planting loans and farmers' other industrial loans. The loan targets are general contractors and professional households. The management of farmers' loans by banks should adapt to the characteristics of decentralized management of their family economy. In terms of the purpose, quantity, term and conditions of loans, banks should adjust measures to local conditions, be flexible, and try their best to meet the liquidity needs of individual agricultural operations.

The object of farmers' loans

The types of farmers' loans mainly include farmers' planting loans, farmers' planting loans and farmers' other industrial loans. (such as industrial loans and commercial loans to contractors) and living loans to farmers. The management of farmers' loans by banks should adapt to the characteristics of decentralized management of their family economy. In terms of the purpose, quantity, term and conditions of loans, banks should adjust measures to local conditions, be flexible, and try their best to meet the liquidity needs of individual agricultural operations.

Characteristics of farmers' loans

The characteristics of farmers' loans are that it is not easy to investigate before lending, the loan amount is small, the residence is scattered, the cost of clearing loans is high, it is not convenient to collect loans or take tough measures, and the formal employees sitting at the counter are often reluctant to issue loans, while the bag salesman is born and raised in Sri Lanka, which just makes up for the above shortcomings. In a familiar environment, it is very convenient to walk one village at a time.

How to borrow farmers' loans? Who is the target of farmers' loans? To sum up, I would like to introduce the details of farmers' loans to you. People also need to analyze this information in advance before applying for a loan. When applying for farmers' loans, borrowers need to know the loan requirements of local rural credit cooperatives in advance. Only when the applicant meets the basic conditions can he successfully apply for a loan from the bank and solve his own loan problem.

How to borrow loans from farmers?

How to get a rural hukou loan: As long as it meets the requirements of local bank loans, you can apply for personal loans from local banks, and then choose the best scheme according to your actual situation. The conditions for applying for a personal loan are as follows: 1. At least 25 years old and with full capacity for civil conduct; And have permanent residence or valid residence certificate in China. Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule. Third, the credit record is good and there is no bad credit record. Fourth, it can provide legal and effective guarantees recognized by banks. Fifth, other conditions stipulated by the bank.

What are the application methods for farmers?

Farmers are an important measure to promote agricultural economy. If applying for farmers can not only solve the problem of farmers' funds, but also promote the development of agricultural economy, what are the ways for farmers to apply?

1, Postal Savings Bank

The farmer loan of Postal Savings Bank is a loan to meet the fund demand of farmers engaged in agricultural planting, breeding or other production and business activities related to rural economic development. This kind of loan requires a natural person's guarantee or joint guarantee, with a maximum loan of 50,000 yuan.

2. Farmers of Agricultural Bank

China Agricultural Bank is a small natural person loan granted by China Agricultural Bank to individual farmers' family members. Only one family member per household can apply for farmers. Agricultural Bank of China's farmers' loans generally have no credit form, and need to be applied by means of guarantee, mortgage, pledge and farmers' joint guarantee.

3. Personal micro-credit loans of credit cooperatives

Rural credit cooperatives are aimed at farmers and generally need to apply for loan cards. Loans are issued in the form of credit loans, and the loan amount is usually low, generally within 30,000 yuan. After receiving the application, the rural credit cooperatives shall evaluate the applicant's credit rating, and according to the evaluated credit rating, verify the credit loan amount of the corresponding level and issue loan vouchers.

When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving the loan application, the rural credit cooperatives shall review the purpose and amount of the loan and issue the loan after passing the examination. Loans are issued by means of credit loans, and the loan amount is usually low. The general amount of micro-credit loans for farmers is controlled at 5000-65438+ 10,000 yuan, and the specific amount varies from place to place.

According to the current regulations, loans can only be used for agricultural production expenditures such as planting and aquaculture; Agricultural machinery loans, loans for agricultural services before, during and after delivery, and consumer loans for purchasing daily necessities, building houses, treating diseases and sending children to school can only be used in the form of small credit loans for farmers. When applying for a loan, farmers should pay attention to the amount indicated on the loan certificate and apply within the prescribed scope. The guarantor of postal savings loans is generally required to be a civil servant or a teacher.

How to apply for farmers' loans

Farmer loan application: first, I take the application materials to the bank where I want to apply for a loan; Fill in the application form under the guidance of relevant bank personnel; After the approval of the bank, the bank will inform us to go to the bank to sign the loan-related contract; After the contract is approved, the bank will transfer the loan to the account.

First, the pre-loan review of farmers' loans has unique methods and experiences.

Strengthen communication. Yes, you are not mistaken, that is, the landlord calls for more chatting, but you must pay attention to certain ways and means. My rural commercial bank, formerly a rural credit cooperative, has been deeply involved in the rural market for more than 40 years and has been able to draw a basic conclusion: 70% of the opinions of the village Committee are correct. The remaining 30% is that the village Committee is unwilling to tell you the correct opinion. Therefore, in the process of expanding farmers' loans, how to have a good relationship with village committees is the core issue. There seems to be some digression. . Turn around. Keep talking about communication. There is much more communication between people in the village than in the town. After their daily work, most rural people are willing to go to the neighbor's house next door or a small shop (a kind of retail store in the village) to chat, brag and play cards, which is completely different from urban residents.

Second, in town, even the best friends rarely hang out every day. Many villages even retain the tradition that "when one family gets married, other neighbors should help". The sedan chair shows that the information efficiency in the village is still very high. If you are willing to invest more time and cost, the final information will be infinitely close to the truth. Of course, this is inefficient. The shortcut is to find the village Committee.

So much for the introduction of the farmers' loan scheme.