How to apply for animal husbandry loan

1. The lender fills in the aquaculture loan application form and submits it to the bank with a copy of my ID card, marriage certificate, guarantor or third (fifth) joint guarantor and other relevant information.

2. After receiving the relevant information, the loan bank will verify and investigate all aspects, including the borrower's information and repayment ability, the guarantor's credit status and guarantee ability, the property ownership, liquidity and geographical location of the collateral, and then put forward the investigation opinions and send them to the loan for review.

3. After the review, the lending bank shall put forward opinions on whether to lend, and put forward suggestions on the loan amount, method, term interest rate and repayment method, and submit them to the loan review meeting for approval.

4. According to the opinions of investigation and review, the lending bank finally decides whether to lend or not, and provides the loan method, amount, term, interest rate and repayment method. If both parties agree, it means that the loan can be made.

5. After both parties agree, the lender and the borrower will sign the loan contract face to face.

6. After the contract is signed, the lending bank opens a deposit account and a credit card account for the lender, and then issues the loan to the borrower within the time limit stipulated in the contract.

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;