The Basic System of Rural Credit Management in Henan Province (for Trial Implementation)

Detailed Rules for the Implementation of Farmers' Loan Operation in Heze Rural Credit Cooperative

Detailed Rules for the Implementation of Farmers' Loan Operation of Heze Rural Credit Cooperative (Trial)

Chapter I General Principles

Article 1 In order to standardize the operation of farmers' loan business and prevent credit risks, these detailed rules are formulated in accordance with the Law of People's Republic of China (PRC) City Commercial Bank, the Law of People's Republic of China (PRC) on Guarantee, the General Rules of Loans, the Interim Measures for the Management of Farmers' Loans of Shandong Rural Credit Cooperatives and the actual conditions of Heze Rural Credit Cooperatives.

Article 2 Farmers' loans refer to RMB loans issued by rural credit cooperatives to farmers who meet the prescribed loan conditions within their service areas. Its use is mainly used in the production and operation of planting, aquaculture, agricultural and sideline products processing, transportation and sales industries, as well as the capital demand related to farmers' daily consumption.

Article 3 The issuance and use of farmers' loans shall conform to the national industrial policies, meet the needs of local rural economic development, and follow the principles of safety, liquidity and efficiency.

Article 4 Loans shall be granted to eligible farmers in the form of "loan certificates" according to the methods of "one-time approval, loan with use, balance control and recycling", and shall be handled at the counter.

Fifth farmers loans to implement the loan first responsible person system.

Chapter II Loan Conditions, Types, Duration, Methods and Interest Rates

Article 6 A borrower must meet the following basic conditions:

(1) A natural person who has reached the age of 18 and has full capacity for civil conduct, labor or business operation;

(two) domicile or fixed residence must be in the service area of credit cooperatives;

(3) It has legal and stable economic income and the ability to repay the loan principal and interest on schedule;

(4) Opening a deposit account in a credit cooperative;

(5) The credit rating is above Grade A (inclusive);

(six) other conditions stipulated by the credit cooperatives.

Article 7 The types of farmers' loans include micro-credit loans and secured loans.

Article 8 Term of loan. The term of farmers' loans shall be determined by both borrowers and borrowers through consultation according to their respective production and operation cycles and comprehensive repayment ability. The term and amount of credit in the farmer's loan certificate are valid for up to two years and can be recycled. The term of a single loan shall not exceed one year, and the maturity date shall not exceed the credit period.

Article 9 The loan guarantee methods include guarantee, mortgage and pledge.

(a) the scope of the guarantor:

1, with a credit rating above Grade A;

2, administrative, enterprise (thing) institutions with higher fixed income;

3. Individual industrial and commercial households;

4. Other guarantors recognized by credit cooperatives.

(2) Conditions that a guarantor should meet:

1, with the guarantor qualification required by the Guarantee Law of People's Republic of China (PRC);

2. Have full capacity for civil conduct;

3, law-abiding, strong credit concept, good credit status;

4. Have the ability to repay the loan principal and interest;

5. Other conditions stipulated by the credit union.

Article 10 loan interest rate. The interest rate of farmers' loans is determined according to the benchmark interest rate stipulated by the People's Bank of China and the floating range of credit union interest rates, and interest rate concessions are implemented for credit users and credit union members with higher credit ratings.

Chapter III Investigation, Evaluation and Credit Granting of Farmers' Credit Rating

Article 11 Credit investigation. Account managers (loan officers) should go deep into the villages under their jurisdiction to do a good job in publicity and investigation, establish farmers' economic files, keep abreast of farmers' capital needs, distribute publicity materials village by village with the active cooperation of the "two committees" in each village, collect personal customer information from farmers who are interested in lending, register the personal customer data collection form, and fill in the approval form for farmers' loan application.

Article 12 Credit rating and credit granting.

(1) Credit rating agencies. Village (neighborhood) committees set up credit rating evaluation teams, credit cooperatives set up credit rating evaluation teams, and county (district) credit cooperatives set up credit rating leading groups.

Credit cooperatives organize villages to set up credit rating teams, which are responsible for the preliminary evaluation of farmers' credit ratings in villages. Members are composed of loan officers of credit cooperatives, village party secretaries, village committee directors and farmers' representatives. Credit cooperatives set up a credit rating team with the field leader as the team leader and the account manager as the members, responsible for reviewing and evaluating the credit rating of farmers within their respective jurisdictions. The Association has set up a credit rating leading group headed by the director in charge, with members from the departments of operation and management, specialized capital and human-secret integration, and is responsible for the credit rating management of farmers within its jurisdiction.

(2) Credit rating standards.

Farmers' credit rating is divided into AAA, AA and A according to personal quality, credit record, education level, family property, farmers' income and repayment rate (see annex: comprehensive analysis table of farmers' credit), and the required data of family property, farmers' income and repayment rate are collected according to the data of the previous year.

Grading standard:

AAA grade 85 or above; AA level 75 points (inclusive) to 85 points; A grade 60 points (inclusive) to 75 points.

(3) Credit granting

According to the credit rating results, the borrower's family income and capital demand, the maximum loan amount is approved. The maximum AAA loan amount is determined to be within 80% of the annual income of the borrower's family; AA level is determined to be within 70% of the borrower's annual family income; Grade A is determined to be within 60% of the borrower's annual household income.

(4) Credit rating and credit granting steps

After farmers apply for loans and fill in the approval form of farmers' loan application, the investigators investigate and analyze farmers' credit degree, comprehensive repayment ability and social reputation, write an investigation report, and fill in the personal customer data collection form, farmers' loan registration data collection form and credit loan registration data collection form. Cooperate with the "village credit rating team", put forward evaluation opinions and preliminarily evaluate the credit rating. The "credit rating team" reviews the opinions of the "village-level credit rating review team" and carries out credit rating according to the evaluation criteria. The review and evaluation team should sign clear opinions in the approval of farmers' loan applications, and submit the credit line to decision makers for decision-making. The examination and approval authority of super credit cooperatives (branches) should be reported for review step by step.

(5) The validity period of farmers' credit rating and credit line is two years at the longest, and the annual review is conducted once a year, and the management mode of "one-time approval, loan with use, balance control and recycling" is adopted. The loan period should be determined according to the actual cycle of production and business activities, and the loan for production expenses generally does not exceed one year. Farmers' loans give priority to credit users and shareholders.

Chapter IV Management of Loan Certificates

According to the requirements of the credit management system, the loan certificate is approved and filed by the county (district) association and issued by the grassroots credit cooperatives. Strict recipients registration system, the implementation of unified numbering. The loan voucher shall be examined annually as required, and the credit rating and credit line of the customer shall be re-examined during the annual examination.

Thirteenth farmers whose credit rating has been assessed may apply for loan certificates from their resident credit cooperatives. The loan certificate is held by me and can only be used by the issuing agency. To apply for a loan certificate, the following information shall be provided:

(a) a copy of valid identity documents and produce the original (identity card or household registration certificate);

(2) The original and photocopy of the applicant's husband and wife certificate (marriage certificate and valid identity certificate that can prove the identity of both husband and wife);

(3) One-inch bareheaded photos (two);

(four) other information required by the credit cooperatives.

Article 14 After verifying the credit rating, credit line and information submitted by the credit counter personnel according to the applicant's Approval Form for Farmers' Loan Application, the applicant's Personal Customer Data Collection Form, Farmers' Loan Registration Data Collection Form and Credit Loan Registration Data Collection Form that meet the certification requirements shall be submitted to the business operation post and entered into the credit management system, and the loan certificate shall be issued after being reported to the county (district) association for the record.

Fifteenth "loan certificate" shall be examined annually according to regulations, and the credit rating and credit line of customers shall be reviewed. Every year, the account manager shall, in accordance with the requirements of credit rating investigation and evaluation, conduct annual examination of the loan certificate, fill in the Annual Examination Form of the Loan Certificate of Rural Credit Cooperatives, and submit it to the credit counter for filing and keeping, and the credit counter personnel shall indicate the annual examination on the loan certificate.

Article 16 Under any of the following circumstances, a credit cooperative should stop using the loan certificate it holds (if it can be recovered, it should be recovered in time) and report it to the Associated Press for the record:

(1) In the last period, loans overdue formed bad behaviors and defaulted in bad faith for more than three months;

(two) the loan certificate has not been examined;

(three) to provide a guarantee for others (or units) to borrow from credit cooperatives, and loans overdue did not take the initiative to fulfill the guarantee obligations, there is intentional dishonesty;

(four) the borrower has an accident, loss of ability to work or death;

(five) providing false materials to defraud the loan certificate, which is fraudulent;

(six) there are serious violations of these measures.

Seventeenth approved loan certificate, the holder can only apply for loans in the credit cooperatives, other credit cooperatives are not allowed to issue loans.

Eighteenth did not obtain a loan certificate, in accordance with the detailed rules for the implementation of loan acceptance and issuance procedures. Those who have obtained the loan certificate can go directly to the credit counter of the credit cooperative with the "two certificates and one chapter" (loan certificate, ID card and personal seal).

Chapter V Loan Approval

Article 19 Examination and approval of loans

The credit cooperative loan review team reviews the authenticity, completeness, compliance and legality of the loan application approval form, individual customer data collection form, farmer loan registration data collection form and credit loan registration data collection form submitted by the account manager, focusing on the following contents:

(1) Review of basic elements. Review whether the relevant information of the borrower and guarantor is complete.

(2) Subject qualification examination. Review whether the borrower meets the loan conditions and whether the guarantor has the guarantee qualification. Whether the borrower and guarantor have bad credit records, good social reputation and moral conduct.

(3) Credit policy review. Review whether the loan purpose is legal and proper, and whether the term, interest rate and method comply with the relevant provisions of the credit cooperatives.

(4) loan risk review. Review whether the credit rating and credit line of the loan applicant meet the requirements, whether the mortgaged (pledged) goods meet the relevant provisions of the Guarantee Law, and determine whether the proportion of mortgaged (pledged) goods meets the relevant provisions of the credit cooperatives.

For each loan reviewed, the review team adopts the voting method of "one person, one vote" and signs a clear review opinion. It must be approved by more than two-thirds of the members of the review team, and then submitted to the credit union for decision. For the loans approved by the loan review team, the decision-makers have the "one-vote veto" to decide whether to lend or not, and decide whether to lend more or less within the loan amount approved by the loan review team; For loans that have not been reviewed by the loan review team or failed by the loan review team, decision makers have no "one-vote approval power" and have no right to decide the issuance of loans. For loans that are approved by the loan review team and beyond the approval authority of credit cooperatives (branches), after the decision-makers sign their opinions, they attach the "loan review team review record" and report it to the review step by step according to the prescribed procedures.

Twentieth grass-roots credit cooperatives in issuing loans to farmers, but also should follow the loan review procedures, each credit farmer's "farmer loan application approval form" must be accompanied by the credit cooperatives "loan review team review record". After passing the examination, the Credit Loan Registration Data Collection Form shall be entered into the credit management system in time.

The loan amount of farmers is determined according to the local economic development level. In principle, the loan balance does not exceed 654.38+10,000 yuan. For large-scale planting, breeding and processing enterprises with good benefits, strong repayment ability and large capital demand, the loan balance can be appropriately increased, and the specific amount.

The degree is determined by the county (district) association and reported to the municipal association for the record.

Chapter VI Operation of Small Credit Loan for Farmers

Twenty-first small credit loans for farmers refer to loans granted by rural credit cooperatives with the credit status of farmers as the guarantee. Only when the credit rating of farmers reaches the AAA standard can farmers be granted production and living loans without guarantee. The single household balance of micro-credit loans for farmers shall not exceed 5000 yuan.

Article 22 Accepting loan applications

When applying for a loan, the borrower shall provide valid identification and register at the credit counter of the credit cooperative, and the counter staff shall guide the borrower to fill out the loan application form. Make an appointment with the borrower to investigate and forward the loan application to the account manager.

Article 23 loan investigation

The account manager conducts an investigation on the applicant within the scheduled investigation time, and the main contents of the investigation include:

(1) Having full capacity for civil conduct, working ability or business operation;

(two) a strong sense of credit, good credit status, no bad credit record;

(three) engaged in planting, breeding or other production and business activities in line with the national industrial policy, and has a legitimate and reliable source of economic income;

(four) check the applicant's valid identity documents, to understand the conduct of family members;

(5) Other matters. After the investigation, fill in the "Approval Form for Farmers' Loan Application", write an investigation report and put forward preliminary opinions; And sort out the collected information and fill in the Personal Customer Data Collection Form and the Farmer Loan Registration Data Collection Form. If the customer information has been established in the credit union, only the farmer loan registration data collection form is filled in when borrowing, and the personal customer data collection form is filled in when updating the customer information.

Article 24 Credit rating

The credit rating of farmers shall be handled in accordance with the provisions of Chapter III of these Rules.

Article 25 Examination and approval of loans

The examination and approval procedures shall be handled with reference to the provisions of Chapter V of these Rules. After the decision-maker makes a decision, it will be handed over to the credit counter, and the counter staff will inform the account manager to inform the borrower of the approval result.

Twenty-sixth loan certificate.

For loans that have been approved for issuance, the credit counter staff shall fill in the loan voucher and register the loan voucher issuance register according to the loan information such as credit rating and credit line approved in the borrower's application for loan from farmers.

Article 27 Loan issuance

The borrower holds "two certificates and one chapter" to go through the loan formalities at the credit counter of the credit cooperative, and both borrowers and borrowers sign the Loan Contract of the Rural Credit Cooperative. The counter staff register the loan records of the borrower's loan voucher in detail, and hand over the relevant loan information to the accountant. After the accounting check is correct, the accounting treatment will be carried out. When using the loan, the borrower must transfer the money into the borrower's deposit account, and it is strictly forbidden to pay cash directly.

Chapter VII Operation of Farmers' Joint Guarantee Loan

Twenty-eighth farmers' joint loan refers to the loans granted by rural credit cooperatives to farmers who have no immediate family members and have the ability to guarantee in the same community on a voluntary basis. The basic principles of farmers' joint guarantee loans are "multi-party joint guarantee, timely repayment, mutual supervision and joint responsibility".

Twenty-ninth members of the UNPROFOR team should meet the requirements.

In addition to meeting the requirements of Article 6 of Chapter II of these Rules, members of the UNPROFOR team shall also sign and abide by the UNPROFOR team agreement.

Article 30 Accepting loan applications

(a) the establishment of the UNPROFOR team, recommend the head of the UNPROFOR team. The joint guarantee group consists of 3- 10 farmers living in the jurisdiction of the credit union voluntarily. Team members must have sufficient guarantee ability, good ideological quality, high credibility and no bad credit record. The team members elect a member with strong economic strength, high public prestige, good reputation, strong sense of responsibility and certain organizational ability as the team leader.

(2) The head of the joint guarantee team applies to the credit union for establishing the joint guarantee team. After receiving the application and materials provided by the UNPROFOR team, the credit counter will guide all members of the UNPROFOR team to fill in the loan application form. After the acceptance, make an appointment with the members of the joint insurance team for the investigation time and hand it over to the account manager for handling.

Article 31 loan investigation, credit rating and credit granting

After receiving the application materials, the account manager and the credit rating team will investigate the family income, production and operation, reputation and capital demand of the members of the joint insurance team within the investigation appointment time, supervise the members of the joint insurance team to sign the joint insurance team agreement, fill in the approval form for farmers' loan application, and conduct credit rating and credit granting to the members of the joint insurance team according to the standards. Specifically, it shall be handled in accordance with the provisions of Chapter III of these Rules.

Article 32 Examination and approval of loans

The examination and approval procedures shall be handled with reference to the provisions of Chapter V of these Rules. After the decision-maker makes a decision, it will be handed over to the credit counter, and the counter staff will inform the account manager to inform the borrower of the approval result.

Article 33 signing a contract

The credit counter requires the borrower to open a deposit account in the credit union, sign a maximum joint loan contract for farmers, and the staff of the credit counter fills in the loan voucher according to the loan information such as credit rating and credit line approved in the borrower's approval letter for farmers' loan application, and registers the loan voucher issuance register.

Article 34 the issuance of loans

The borrower shall go through the loan formalities at the credit counter of the credit union with the "two certificates and one chapter", and the borrower shall deposit a demand deposit of not less than the loan application amount 1% in the credit union as a group mutual aid fund, which shall be kept by the joint guarantee team leader. The borrower and the borrower sign the loan voucher, and the counter personnel register the loan record of the borrower's loan voucher in detail, and hand over the relevant loan information to the accountant, who will handle the accounting after checking it correctly. When using the loan, the borrower must transfer the money into the borrower's deposit account, and it is strictly forbidden to pay cash directly.

Chapter VIII Farmers Guaranteed Loans

Article 35 A farmer's secured loan refers to a loan issued by a credit cooperative to a farmer in the form of guarantee stipulated in the Guarantee Law. When the borrower fails to repay the loan on time, the third party promises to bear joint and several liabilities as agreed.

Article 36 The materials that the borrower and the guarantor should provide.

(1) The borrower provides the information required in Article 13 of Chapter IV of these Rules.

(2) If the guarantor is an individual, it shall provide:

1, my valid identity document;

2. Loan certificate or guarantor's credit rating certificate;

(3) If the guarantor is an enterprise legal person, it shall provide:

1. Copy of business license of enterprise legal person and original and copy of organization code certificate that passed annual inspection;

2, the legal representative certificate or its power of attorney and the identity certificate of its authorized agent;

3. Articles of association and resolutions of the board of directors agreeing to provide the guarantee;

4. Balance sheets and income statements from the end of last year to the current period audited by accounting firms;

5. A valid loan card;

Article 37 Accepting loan applications

The borrower shall provide valid identification and register at the credit counter of the credit union, and the counter staff shall guide the borrower to fill out the loan application form. Make an appointment with the borrower to investigate and forward the loan application to the account manager.

Article 38 Investigation before lending

1. The investigation of the borrower shall be handled with reference to Article 23 of Chapter VI of these Detailed Rules.

2. Examine the guarantee qualification and ability of the guarantor.

3 to verify the credit rating of the guarantor, and to evaluate the credit rating of the guarantor without credit rating in accordance with the provisions of Chapter III of these Rules.

After the investigation, fill in the approval form for farmers' loan application, write the investigation report, put forward preliminary opinions, sort out the collected data, and fill in the personal customer data collection form and the farmers' loan registration data collection form.

Article 39 Credit rating

The credit rating of farmers shall be handled in accordance with the provisions of Chapter III of these Rules.

Article 40 Examination and approval of loans

The examination and approval procedures shall be handled with reference to the provisions of Chapter V of these Rules. After the decision-maker makes a decision, it will be handed over to the credit counter, and the counter staff will inform the account manager to inform the borrower of the approval result.

Forty-first proof of loan issuance

For the approved loan, the credit counter staff shall fill in the loan certificate and register the loan certificate issuance register according to the loan information such as credit rating and credit line approved in the farmer's loan application approval.

Article 42 loan issuance

The borrower shall go through the loan formalities at the credit counter of the credit cooperative with the "two certificates and one chapter", and both the borrower and the guarantor shall be present to sign the loan contract of the rural credit cooperative. The counter staff shall register the loan records of the borrower's loan voucher in detail, and hand over the relevant loan information to the accountant, who will handle the accounts after checking it correctly. When using the loan, the borrower must transfer the money into the borrower's deposit account, and it is strictly forbidden to pay cash directly.

Chapter IX Farmers' Mortgage Loan

Forty-third mortgage loans for farmers refer to loans granted by credit cooperatives to farmers with the property of borrowers or third parties as collateral in accordance with the mortgage method stipulated in the Guarantee Law. Collateral is mainly real estate in principle, and the land occupied by real estate as collateral should have the state-owned land use right certificate and house ownership certificate issued by the land management department of the government at or above the county level.

Article 44 loan conditions

In addition to the provisions of Article 6 of Chapter II, the borrower shall also provide collateral recognized by the credit union and go through the mortgage registration formalities with the competent department.

Article 45 Information to be provided by the borrower

In addition to the information required in Article 13 of Chapter IV of these Detailed Rules, the borrower shall also provide a list of real estate mortgages, a certificate of ownership, an assessment report on the value of collateral, and a certificate of consent to mortgage issued by the person with the right to dispose of it. If the mortgaged property needs to be insured, an insurance policy shall also be provided.

Article 46 Accepting loan applications

The borrower shall provide valid identification and register at the loan counter of the credit cooperative. The counter staff guides the borrower to fill in the loan application form, makes an appointment with the borrower for investigation, and forwards the loan application to the account manager.

Article 47 Pre-loan investigation

After receiving the application materials, the account manager will investigate the borrower's family income, production and operation, collateral, reputation and capital demand within the scheduled investigation time. After the investigation, fill in the "Approval Form for Farmers' Loan Application", write an investigation report and put forward preliminary opinions; And sort out the collected information, and fill in the Personal Customer Data Collection Form, the Farmers' Loan Registration Data Collection Form and the Collateral Registration Data Collection Form.

Article 48 Examination and approval of loans

The loan review team shall review the authenticity, completeness, compliance and legality of the relevant materials submitted by the account manager, such as the Approval Letter for Farmers' Loan Application, the Personal Customer Data Collection Form, the Farmers' Loan Registration Data Collection Form and the Collateral Registration Data Collection Form, and sign the review opinions. The examination and approval procedures shall be handled with reference to the provisions of Chapter V of these Rules. After the decision-maker makes a decision, it will be handed over to the credit counter, and the counter staff will inform the account manager to inform the borrower of the approval result.

Article 49 Registration of collateral

The credit counter staff should ask the borrower to open a deposit account in the credit union for the approved loan, and sign a loan contract and a mortgage contract with the borrower and the mortgagor respectively, and the account manager, the borrower and the mortgagor shall go through the mortgage registration formalities with the relevant departments according to the regulations. If there is no mortgage of the land use right fixed on the ground, it shall be registered with the administrative department that issued the land use right certificate; Where buildings such as urban real estate or factories of township (town) and village enterprises are mortgaged, they shall be registered with the departments prescribed by the local people's governments at or above the county level; If the forest is mortgaged, it shall be registered with the competent forestry department at or above the county level; Where the equipment and other movable property of the enterprise are mortgaged, it shall be registered with the local administrative department for industry and commerce.

Article 50 the issuance of loans

After the mortgage registration formalities, the borrower and the borrower sign the loan voucher, and the credit counter personnel register the loan record and related account books if they have the loan voucher, and hand over all the information to the accountant. Accounting personnel shall conduct accounting treatment after verification, and hand over the certificate of other rights issued by the mortgage registration department to the cashier department, which shall be regarded as cash storage and kept in the off-balance sheet account.

Article 51 the loan amount and term

The loan amount is determined according to the actual value of the collateral, and the mortgage rate shall not exceed 60% of the present value of the collateral. The term of small mortgage loans for farmers is no longer than 2 years.

Chapter 10 Farmers' Pledged Loan

Fifty-second farmers' pledge loan refers to the loan issued to farmers with the certificate-based national debt (bearer) owned by the borrower or the third party and the time deposit certificate issued by the county (district) credit cooperative system as the pledge.

Article 53 loan conditions

In addition to the provisions of Article 6 of Chapter II, the pledge recognized by the credit union shall also be provided.

Article 54 Information to be provided by the borrower

1. Original and photocopy of valid ID cards of the borrower and the pledger;

2. Certificate of pledge of rights and certificate of consent to pledge issued by the authorized person.

Article 55 Acceptance of applications

The borrower shall provide valid identity documents and register them at the credit counter of the credit cooperative. The counter staff should guide the borrower to fill in the loan application form and the list of pledge documents. When accepting the pledge of time deposit certificates not issued by this outlet, the borrower shall agree on the investigation time and forward the loan application to the account manager. (The pledged loan issued by this outlet shall be handled by the credit counter personnel according to the regulations).

Article 56 Investigation before lending

After receiving the application materials, the account manager will investigate the borrower's qualification and borrowing purpose within the scheduled investigation time, focusing on the borrower's borrowing purpose and credit status, and whether the acquisition (source) of the pledged goods is legal, and fill out the Notice of Stopping Payment of Pledged Certificate to the pledge issuing unit for inquiry, and fill out the Personal Customer Data Collection Form, the Farmer Loan Registration Data Collection Form and the Pledged Goods Registration Data Collection Form.

Article 57 Examination and approval of loans

The loan review team reviews the authenticity, completeness, compliance and legality of the farmer loan application approval form, individual customer data collection form and pledge registration data collection form submitted by the account manager, and signs the review opinions. After the decision maker makes a decision, it will be handed over to the credit counter, and the counter staff will inform the account manager to inform the borrower of the approval result.

Article 58 Loans

The credit counter signs a pledge loan contract and a pledge voucher list with the borrower and the pledgor respectively for the approved loans, and the account manager goes to the issuing unit to go through the registration formalities of pledge payment stop according to the regulations, and both borrowers and borrowers sign loan vouchers, register the relevant accounts (with the loan vouchers attached), and hand over the loan information and pledge to the accountant. After the accounting personnel verify the correctness, the accounting treatment will be carried out. The notice of stopping payment of the pledge certificate and the pledge approved by the issuing department of the pledge certificate are handed over to the cashier, which is regarded as cash storage and included in the off-balance sheet account.

Article 59 the loan amount and term

The loan amount is determined according to the value of the pledge, and the maximum pledge rate shall not exceed 90% of its face value. The loan term shall not exceed the maturity date of the pledge.

Chapter II XI Post-loan Management and Loan Recovery

Article 60 Post-loan inspection

(1) Tracking inspection. After the loan is issued, the account manager should check it in time, track the loan regularly or irregularly, and take safety measures in time when problems are found. Farmers who have received credit should know their own production and operation status in time, report the factors that affect the safety of loans in time, notify the credit counter to stop issuing loans, and take necessary measures to clean up and recover the loans that have been issued. Check the post-loan inspection records and file the inspection records.

(2) comprehensive inspection. Grass-roots credit cooperatives should regularly and irregularly inspect the loans of farmers within their jurisdiction, and county (district) credit cooperatives should organize a comprehensive inspection of the loans of farmers within their jurisdiction at least once a year, and make inspection records.

Article 61 Loan collection

The business operator of the credit management system prints the list of loans due next month, the list of non-performing loans that will exceed the limitation of action next month and have not been collected from the debtor for more than half a year, and the loan collection notice on the 20th of each month; Print the list of non-performing loans and the collection notice added last month on 1 every month, and register the collection notice record book, so as to handle the handover procedures of the list and notice. The loan collection notice shall be handed over to the first responsible person or management responsible person to effectively collect overdue loans and non-performing loans, and the receipt of the loan collection notice shall be handed over to the business operator within 10 working days, and the business operator shall collect information. As a credit file, the Loan Collection Notice shall be handed over to the credit counter staff in time and kept together with the loan file.

Article 62 Extension of loan

Farmers' loans shall not be extended in principle, but if the borrower fails to repay the loan on schedule due to force majeure factors such as natural disasters, the borrower shall apply to the loan credit cooperatives for loan extension 10 days before the loan expires. When handling the loan extension, the account manager is responsible for filling in the extension registration data collection form. The loan extension shall be handled in accordance with the principle of "whoever approves the extension", and the approval procedures for loan extension are the same as those for loan extension. The original guarantor, the original mortgagor and the original pledger shall sign the opinions of agreeing to the extension on the Approval Form for Loan Extension. The loan extension agreement shall also be signed for the approved loan extension. The above materials shall be kept by the credit counter personnel in time, and shall be kept together with the original loan contract. For mortgage loans, the mortgage registration shall be renewed with the competent department.

Short-term loans and accumulated extended loans shall not exceed the original loan term. The cumulative extension of medium-term loans shall not exceed half of the original loan term. When the loan extension period and the original term reach the new interest rate term grade, the loan interest must be calculated and collected at the new term grade interest rate from the date of extension.

Article 63 If the account manager has worked in the same service area for three years, he shall, in principle, carry out post rotation or exchange.

Article 64 When the position of the account manager changes, the handover procedures shall be handled in accordance with the provisions of the Loan Handover System of Heze Rural Credit Cooperative, so as to clarify the responsibilities of both parties and maintain the continuity of loan management.

Article 65 Establish a credit file. In accordance with the provisions of the "Measures for the Administration of Credit Archives of Heze Rural Credit Cooperatives", keep the farmer loan files well, do a good job in collecting, sorting, binding, numbering, archiving and maintaining them, and update them in time to ensure the integrity and continuity of the files.

Chapter XII Punishment Rules

Article 66 If the staff of a credit cooperative violates these rules in the process of granting loans to farmers, it shall be dealt with in accordance with the relevant provisions of the Interim Measures for Handling Staff Violation of Discipline and Rules of Rural Credit Cooperatives in Shandong Province and the Interim Measures for the Management of Credit Management System of Rural Credit Cooperatives in Shandong Province. Those who violate the criminal law shall be handed over to judicial organs for handling.

Chapter XIII Supplementary Provisions

Article 67 These Rules shall be formulated, interpreted and revised by Heze Branch of Shandong Rural Credit Cooperative Union.

Article 68 These Rules shall be implemented as of 2005. Prior to this, if the relevant credit system and measures formulated by Heze Rural Credit Cooperative System are in conflict with the provisions of these Rules, these Rules shall prevail.