How to write the loan report of rural credit cooperatives?

1. How to write the loan report of the rural credit cooperatives? ?

Rural credit cooperatives report on micro-credit loans for farmers Rural credit cooperatives are mainly agricultural, farmers and sex financial institutions. In order to meet the needs of economic development, the People's Bank of China and rural credit cooperatives have gradually explored and formed a set of micro-credit loans and household-guaranteed loans suitable for rural characteristics. This is a major reform of China's rural credit management system, which has played an important role in solving farmers' loan difficulties and promoting farmers' income. By the end of 2008, credit cooperatives had started micro-credit loans for farmers, accounting for 90% of the total rural credit cooperatives. 1-June, a total of 40 1 yuan was granted to farmers, an increase of% over the beginning of the year; A total of 22.9 billion yuan of farmers' joint guarantee loans were issued, and the balance at the end of June reached 26.8 billion1.25%; 52.72 million farmers in China have obtained micro-credit loans and joint guarantee loans, accounting for 46% of the total number of farmers who need loans. At present, the national rural credit cooperatives have established economic files for 60.87 million farmers, of which 32.76 million farmers are credit farmers, 373 19 administrative villages are credit villages, and 156 townships. Theoretical basis and realistic background Microfinance in general refers to the institutions that provide financial services such as microfinance to scattered low-income groups and individual operators, including both government organizations and non-governmental organizations. There are large commercial banks, smaller savings and credit cooperatives, credit institutions and non-bank financial institutions; Civil society organizations are also involved. The emergence and development of micro-credit activities has its objective economic basis. First, the low-income class must be dispersed; Second, these groups can't completely rely on the government's free assistance, but need and establish their awareness and ability of self-development; Third, these groups have insufficient conditions and ability to obtain loans, and generally do not have the strength of mortgage guarantee. Therefore, micro-credit is an inevitable product to adapt to the law of social and economic development. Microfinance has received extensive attention and support from governments all over the world during its development. When microfinance in the modern sense began to rise in the 1980s, its main purpose was to introduce the financial service model originally subsidized by the government into the market mechanism and gradually transition to the market-oriented operation of financial institutions. In this regard, many countries in the world have made good explorations and established their own operating models according to their own characteristics, such as the Grameen Bank microfinance model in Bangladesh in Asia (commonly known as the "Bangladesh model") and the rakyat Bank model in Indonesia. The development of these small loans has solved the problem of the lack of collateral by adopting the loan method based on group or ethics; Through frequent collection of repayment, social pressure and commitment to provide repeated loans, the problem of loan default has been solved, thus effectively helping low-income poor groups, low-income families and self-employed individuals to achieve sustainable financial development. At present, the representative practice of microfinance abroad is the "Bangladesh model". Its main characteristics are: in view of the lack of effective property mortgage guarantee for low-income people, a number of farmers form a joint guarantee group and issue credit loans to them on the premise of mutual guarantee; This kind of loan has high risk and average interest rate because there is no effective property mortgage guarantee; In order to improve the use effect of loans, it is emphasized that they are mainly distributed to women; In order to cultivate farmers' awareness of the use, it is required to repay by installments, usually once a week. China is a developing agricultural country with a large proportion of agricultural population, low income, wide distribution and small scale, so it is necessary to develop microfinance. (A) the mode of production based on household contract management is the objective economic basis for starting microfinance. At present, China's social and economic development is still in the primary stage of socialism, and the mode of production based on household management of farmers will exist for a long time. With the development of socialist market economy, the demand for funds for farmers to get rid of poverty and become rich and develop production will be increasingly strong, and the characteristics of farmers' wide distribution, large number of households and small scale determine that there must be corresponding decentralized, small and large financial services to adapt to it. (2) Effectively solving the dilemma between farmers' loan difficulties and credit cooperatives' loan difficulties is the practical need to start micro-credit loans. In recent years, the rural financial field has reflected more prominent problems. On the one hand, it is difficult for farmers to borrow money, mainly because they lack effective property as collateral, so it is difficult to borrow money from them. ................

Second, how to check loans in rural credit cooperatives?

You can print out your daily account at the rural credit cooperative where you borrowed money. When opening a loan account, you must apply for a repayment bank card. The bank requires that the loan principal and interest due each month must be deposited in the repayment bank card before the date of each month, and the bank will automatically deduct it when it expires. So just print out the running water of the repayment bank card.

3. How to write the loan application form of rural credit cooperatives?

Guangxi rural credit cooperative loan model is for reference only. Written, take it to the village Committee for seal.

loan application

XXX credit cooperative

My name is XXXXXXXXXXXXXX (your home address), my ID number is xxxxxxxxxxxxxxxxxxxxx, and my phone number is 0000-000000. There are five people in my family and four workers, two of whom usually work in Guangdong, and their annual family income is about 35,000 yuan. At present, I want to use it (you want to borrow it), but now I have insufficient funds. Therefore, I apply to your bank for a loan of RMB 35,000, with a term of three years. During the loan period, I promise to pay interest on a quarterly basis and repay it with family income at maturity.