How about Yanjin Rural Commercial Bank Jin Yan Express Loan?

Yes, the "Jin Yan Fast Loan" micro-loan (hereinafter referred to as "micro-loan") refers to the micro-loan granted by rural credit cooperatives to a single borrower within their jurisdiction. In principle, it does not exceed 300,000 yuan, which is mainly used to meet the production and operation capital needs of farmers and individual industrial and commercial households. Following the principle of "rating first, then granting credit, then granting credit", Jin Yan Fast Loan Fu Nong Card (hereinafter referred to as the loan card) is used as the carrier, and dynamic management is carried out in the form of "one-time write-off, use with the loan, balance control, recycling and sunshine operation".

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I. Borrower's Information

1. Having lived in the service area of rural credit cooperatives for more than one year, having a fixed residence, being in good health and having full capacity for civil conduct;

2. Be law-abiding, have a good reputation, and have no illegal records or bad credit records;

3. Have a legitimate and reliable source of income and the ability to pay off the principal and interest of the loan;

4. Engaged in production and business activities in line with national industrial policies, and has certain self-owned funds;

5. Other conditions required by rural credit cooperatives.

6. Customer application → credit rating → signing credit contract → issuing loan card → letter from customer. In principle, the loan interest rate will be lowered 10%-20% on the basis of the current loan interest rate of the same kind and grade of local county-level travel agencies. At the same time, it can also be combined with repayment of loans, interest payments and contributions to rural credit cooperatives to give certain concessions.

Second, 1. Exploring the "Party Building Finance" model, carrying out credit evaluation projects, and doing practical things and good deeds for the masses are innovative actions of Jinnong Commercial Bank to purify the credit environment and help rural revitalization. Since 20 18, all the cadres and workers of Yanjin Rural Commercial Bank, together with the rural grassroots cadres in party member, combined with the characteristics of farmers' work and rest, have carried out credit publicity, information registration and credit rating for farmers at night, in rainy and snowy weather and holidays to encourage more people to participate in the construction of credit system. At the same time, take credit evaluation as an opportunity to actively manage the credit environment and build a good credit ecological chain.

2. Zheng of Sizhai Village in the county applied for a loan of 40,000 yuan in Sizhai Credit Cooperative (before the restructuring) in 2006, and was unable to repay the principal and interest due to poor management. After the overall improvement of the timber market, Zheng Fengrui, president of Sizhai Sub-branch of Rural Commercial Bank, led the account manager to the door for many times, negotiated with Zheng, learned more about his production and life, and preached to him many times about the credit policy and the impact of dishonesty. Not long ago, after the third credit rating work in the village was carried out, President Zheng Fengrui took the initiative to communicate with Zheng again, explaining the credit convenience brought by Rural Commercial Bank to the local people since the credit rating work was carried out. At the same time, he told Zheng that if he broke his promise alone, it would not only affect his personal life and his children's schooling and job hunting, but also cause the whole village to be unable to be rated as a credit village, affect the credit of other villagers, become a faithless person in everyone's eyes, and affect the family reputation. This is also an irreparable psychological harm to children.

3. Under the preaching of various policies, Zheng Baoen's will was constantly stimulated. Finally, on September 6th, Zheng returned the loan principal and interest of 25,000 yuan, and signed a repayment plan, indicating that the remaining arrears would be returned as soon as possible after the current timber was sold, and Sizhai Sub-branch successfully revitalized the loan. "Every time the credit evaluation results come out, the staff of our rural commercial banks will post a list on the bulletin board of the village group, which invisibly enhances farmers' awareness of maintaining their good credit records. Not only that, before, during and after the credit user evaluation, it will also be publicized through travel broadcasts, WeChat groups and publicity pages. Let farmers know the meaning and preferential policies of credit users, and create an atmosphere of "everyone knows credit users and everyone strives to be credit users". The folk customs in the village are getting better and better. " Zheng Lanxuan, secretary of Fangzheng Village Branch, said. Yanjin Rural Commercial Bank is guided by Party building, focuses on financial services and takes rural revitalization as its foothold. By organically connecting the establishment of credit villages and credit users with government selection activities such as civilized villages, five good families and moral models, we will guide the values of the whole social group to change from good to good, further strengthen the construction of social credit system, and gradually realize the good situation of * * * grasping grassroots party building, * * seeking economic development, * * cultivating new trends of civilization and * * serving the people.