Where do we need investment to establish agricultural cooperatives and develop rural tourism?

Hello

To run an agricultural cooperative to develop rural tourism, it is best to go to a bank for a loan. Due to different loan types, loan application conditions and materials are different, and companies or enterprises There are also differences between loans and personal loans. The usual conditions are as follows:

1. Personal loan conditions:

1. 18-65 years old, have full capacity for civil conduct, have a fixed residence in the local area, and hold a legal and valid identity document;

2. Have legal and valid production and operation certificates, and those engaged in special industries should hold a special industry business license issued by the competent approval department;

3. Have the ability to operate and manage the industry Experience and have been engaged in the industry for more than 2 years, and have certain operational and management capabilities;

4. Have stable operating income and the ability to repay loan principal and interest on schedule;

5. Guaranteed loans Must provide legal, valid and sufficient guarantee;

6. Good credit record;

7. Meet other conditions of Agricultural Bank of China.

8. Loan process: The customer applies for a loan and submits relevant information → the bank conducts investigation, review and approval → signs a loan contract → handles mortgage, pledge registration and other related procedures → issues the loan.

2. Corporate or enterprise loan conditions:

1. Comply with the national industry and industry policies and not be a high-pollution or high-energy-consuming enterprise;

2. The enterprise has a good reputation in various commercial banks and has no bad credit record;

3. It has a business license approved and registered by the industrial and commercial administration department and has passed the annual inspection, and holds a business license issued by the People's Bank of China and subject to normal annual inspection loan card;

4. Have the necessary organizational structure, operation management system and financial management system, have a fixed basis and business location, operate legally, and have a marketable and profitable product;

5. Have the ability to perform contracts and repay debts, have good repayment intentions, have no bad credit records, and credit asset risks are classified as normal or concern categories affected by non-financial factors;

6. Business operators Or the actual controller has more than 3 years of working experience, is of good quality, and has no bad personal credit record;

7. The business operation situation is stable, the establishment period is in principle more than 2 years (inclusive), and at least one and The above fiscal year financial report, with sales revenue growth and positive gross profit for 2 consecutive years;

8. In line with the establishment of industry credit policies related to small business business;

9. Be able to comply with national financial regulations, policies and relevant bank regulations;

10. Open a basic settlement account or general settlement account at the applicant bank.

11. Loan process: The enterprise applies for a working capital loan to the bank, and provides relevant materials of the enterprise and the guarantee entity (if necessary) → After the bank investigates and approves, sign the loan contract and related guarantee contracts. Legal documents → Implement guarantees and improve guarantee procedures in accordance with agreed conditions. According to the bank's approval conditions and the signed guarantee contract, if the enterprise is required to provide guarantees, it is necessary to further implement specific guarantee measures such as third-party guarantees, mortgages, and pledges, and complete relevant guarantees such as mortgage registration, pledge delivery (or registration) If notarization is required, notarization procedures must also be completed → Loan disbursement. After all procedures are completed, the bank will issue the loan to the enterprise in a timely manner, and the enterprise can reasonably use the loan funds according to the loan purpose agreed in advance.