Rural commercial bank credit loan processing has the following steps:

1. loan application: the lender fills in a written application form at the bank and submits his valid identity certificate; Proof of address; Personal professional certificate; Proof of income of the loan applicant and his family members; Other information required by the bank.

2. Wait for the bank to evaluate the borrower's credit rating, and then the bank will evaluate the borrower's credit rating according to the borrower's economic strength, capital structure, performance, quality of leaders, development prospects and operating benefits.

3. Rural commercial banks will investigate borrowers' information and assess risks.

4. If approved, the loan is successfully processed.

Ruralcommercialbank, referred to as rural commercial bank for short, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction.

Rural cooperative banks should all be restructured into rural commercial banks.

Create background editing and broadcasting

Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be transformed into rural commercial banks. Cancel the qualification shares in an all-round way and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. On the premise of maintaining the overall stability of the status of county (city) as a legal person, we will steadily push forward the reform of provincial associations, and gradually build a new relationship between provincial associations and grassroots legal entities with property rights as the link, equity as the link and supervision as the constraint, so as to truly form a community of interests between provincial associations and grassroots legal entities.

The proportion of qualified shares in rural credit cooperatives in China has dropped below 30%. About 303 rural commercial banks and 2 rural cooperative banks have been established, and the total assets of rural banks account for 4 1.4% of the rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of deep-seated institutional mechanisms.

The latest policy editing broadcast

2065438+On May 2, 2009, the People's Bank of China published the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework of implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6. [2]

The Notice specifies that the directional descent will be divided into three landings, and specifies the scale of the three landings. That is, in May of 15 and June of 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point, and in July of 15, the deposit reserve ratio was lowered to 8%. [2]

When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:

1, my valid identity document;

2. Proof of residential address (household registration book, etc. );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:

(1) written certificate of post and professional technical level issued by the personnel department of the high-quality corporate client unit;

(2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate under the name of the individual (or spouse);

(3) peony platinum card customer information;

(4) Customer certification materials of wealth management accounts of rural commercial banks;

(5) The text of personal loan contract of rural commercial bank.

What conditions do rural commercial banks need for loans?

The loan conditions of rural commercial banks are:

1. The lender is a natural person with full civil capacity between 18 and 60 years old.

2. The income is stable and there is a bank flow that lasts for more than 6 months.

3. Personal credit information is good and there is no overdue record.

4. Provide a contract to prove the purpose of the loan.

5. Have a certain amount of capital flow and be prepared for the down payment.

6. Provide effective protection.

What are the loan conditions of rural commercial banks?

1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.

2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.

4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.

5. The asset-liability ratio of the lender of rural credit cooperatives shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must comply with the provisions of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8. Lenders of rural credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.

Second, the repayment method of the loan.

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

How much can rural commercial banks borrow from personal loans?

In many loan businesses of banks, the application conditions are clearly stipulated. Bank loans are different from private loans, and the conditions of bank loans have always been stricter. Only qualified applicants can apply. In most cases, there are many types of bank loans with different amounts. Then, how much can rural commercial banks borrow from personal loans?

1. The loan amount of individual student loans of rural commercial banks is 50,000. The minimum loan amount that can be applied for is 50,000, and the maximum loan amount cannot exceed150,000.

2. Credit line Personal loans are not allowed to exceed 654.38+00,000, and the applied loan line cannot exceed 654.38+00% of the borrower's family net assets.

3. If there is a guarantor to apply for a secured loan, the maximum amount that can be applied for cannot exceed 6,543,800 yuan+0.5 million yuan.

Generally speaking, the amount of personal loans that rural commercial banks can apply for depends on the applicant's application type. Different applicants can apply for different loan amounts. The better the personal credit information, the higher the loan amount that users can apply for. It should be noted that after the lender accepts the borrower's application, the bank will investigate the borrower's credit rating and the legality, safety and profitability of the loan.