Do rural credit cooperatives need a guarantor for loans?

First, do rural credit cooperatives need a guarantor for loans?

1. Generally speaking, rural areas need guarantors and borrowers need to meet the requirements of loans.

2, rural credit cooperatives need to have the basic conditions:

(1) has the ability to repay the principal and interest on time. If the loan amount cannot be repaid, the credit examiner will re-evaluate the loan amount during the approval process to control the risk.

(2) With the annual inspection procedures handled by the industrial and commercial departments, except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial departments.

(3) A basic account or general deposit account has been opened in a rural credit cooperative, and a certain amount of payment deposit has been reserved 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) The loan-to-asset ratio of rural credit cooperatives shall not be higher than 70%. Excessive debt will lead credit examiners to give up lending in order to avoid risks.

3. Requirements for farmers' responsibilities:

(1) has People's Republic of China (PRC) (PRC) nationality and is over 18 years old (including 18 years old), and the sum of age and loan term when applying for a loan is not more than 65 years old (including 65 years old).

(2) Have the ability to repay the loan principal and interest on schedule.

(3) The production and business operation activities conform to the national laws, regulations and industrial policies.

(4) Other conditions stipulated by rural credit cooperatives.

Second, do rural credit cooperatives need guarantors?

First of all, the affirmative answer is that rural credit cooperatives need microfinance institutions.

(1) has the right to borrow it. If the loan amount cannot be repaid, the credit examiner will re-evaluate the loan amount during the approval process to control the risk.

(2) With the annual inspection procedures handled by the industrial and commercial departments, except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial departments.

(3) Rural credit cooperatives have opened and kept a certain amount of payment deposit in their accounts. Willing to accept the credit and settlement supervision and inspection of lending institutions, and be able to cooperate with relevant business and financial statements.

(4) The loan-to-asset ratio of rural credit cooperatives shall not be higher than 70%. Excessive debt will lead credit examiners to give up lending in order to avoid risks.

3. Requirements for farmers' responsibilities:

(1) has People's Republic of China (PRC) (PRC) nationality, 18 years old), and the sum of age and loan years when applying for a loan is not more than 65 (inclusive).

(2) Have the ability to repay the loan on schedule.

(3) production regulations and industrial policies.

(4) Articles of association of rural credit cooperatives

Extended data:

Rural credit cooperatives must be at least 18 years old (inclusive) and at least one year old during the loan period; The borrower has the willingness to repay the principal and interest; The borrower must have full capacity for civil conduct and be responsible for all his actions;

The borrower has a certain monthly income, and the monthly income is higher than the minimum income standard of rural credit cooperatives; According to the Administrative Measures of Agricultural Bank of China on Customer Credit Rating for Agriculture, Countryside and Farmers, the customer credit rating result is average or above; The borrower has good conduct and no bad record;

The borrower's behavior ability and labor ability in rural areas; The borrower has a deposit account or a general deposit account, and the account has a certain deposit; When the borrower applied for a loan, there was no overdue loan or other requirements of Jincun Credit Cooperative.

The basic principles that farmers should follow in micro-credit loans are:

1. Repayment: The essential feature of farmers' micro-credit loans is loans, and repayment is the first principle of credit funds. It is not only different from ordinary commercial funds, but also different from poverty alleviation subsidies donated by some institutions. Therefore, the high loan collection rate of farmers' micro-credit loans is the most fundamental premise to maintain the continuous loan activities.

2. Credibility: The basic target of farmers' micro-credit loan service is farmers who lack collateral and guarantors because of poverty, but have high credibility. If the guarantee system of commercial finance is followed or the disguised mortgage guarantee method is used as the basic feature of farmers' micro-credit loans, its service will lose its meaning.

3. Investment: Small credit loans for farmers are mainly used for simple reproduction and small-scale expanded reproduction of planting and aquaculture for low-income farmers, as well as their small living consumption funds.

Therefore, general agricultural production enterprises, processing and transportation enterprises, industrial and commercial enterprises, township enterprises, agricultural infrastructure construction, etc. are not the supply targets of micro-credit loans for farmers, and rural credit cooperatives should not issue micro-credit loans to some large-scale and specialized agricultural production and operation enterprises.

4. Convenience: Commercial banks have a set of strict procedures and processes for granting loans from applying for loans to lending. In order to achieve "simple procedures", farmers' micro-credit loans must truly implement the credit commitment of total control, effective credit period, anytime access and counter handling.

5. Autonomy: Rural credit cooperatives are not only the main operators of micro-credit loans, but also the sole undertakers of risks. According to the principle of unity of decision-making and risk responsibility, rural credit cooperatives should make a final decision on the term, interest rate and amount of loan authorization, and other administrative subjects should not interfere or set indirect obstacles in relevant policies and systems.

6. "Three Publics": In order to prevent the risk of micro-credit loans and prevent the issuer from being controlled by "insiders", it is necessary to be "open, fair and just" when evaluating the credit rating and loan risk of farmers. The evaluation team composed of village party and government organizations, farmers' representatives and credit cooperatives conforms to the rural reality and is also conducive to the "three publics". Making the rating "principles, standards, procedures and conditions" public is conducive to evaluation and supervision, and is conducive to the rational and balanced allocation of non-market price funds to rural low-income groups.

7. Ability: The operating environment of rural credit cooperatives in China is very different, and the relationship between supply and demand of funds is very unbalanced. In some areas, rural credit cooperatives are highly dependent on liabilities, but the sources of liabilities are insufficient, and the contradiction between supply and demand of funds is prominent. Therefore, according to the debt capacity of credit cooperatives and the scale of their own assets, the key is to do intensive management and improve the marketing quality of micro-credit loans. I hope it helps you.

3. Does the loan of rural credit cooperatives need the signature of the guarantor?

If you exceed the credit limit, you can apply for a secured loan, but you must find a guarantor for the secured loan. The guarantor is usually signed by both husband and wife.

4. The credit loan of rural credit cooperatives does not apply for installment. Is it necessary to find a guarantee?

Loans are not uncommon in today's society, and there are many ways of loans, such as loans from rural credit cooperatives. So, do rural credit cooperatives need a guarantor to lend? According to Bian Xiao, rural credit cooperatives generally need guarantors for loans. What conditions do rural credit cooperatives need as loan guarantors?

First, the rural credit cooperatives loan guarantor qualification

1. A legal person, other organization or citizen who has the ability to pay off debts on his behalf may act as a guarantor;

2. State organs shall not act as guarantors, except those who use loans from foreign governments or international economic organizations with the approval of the State Council;

3, schools, kindergartens, hospitals and other public institutions and social organizations for the purpose of public welfare shall not become guarantors;

4. If the branch of an enterprise as a legal person has written authorization from the legal person, it can provide guarantee within the scope of authorization.

Two, rural credit cooperatives loan guarantor conditions

1, a natural person with full capacity for civil conduct, aged between 18 and 65;

2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

3. Have a good credit record and willingness to repay;

4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. It has nothing to do with loan cases;

6. Enjoy political rights and unlimited personal freedom;

7. Have permanent residence and permanent residence in the local area;

Extended reading:

How much can rural credit cooperatives borrow?

What is the loan amount and expected annualized interest rate of rural credit cooperatives?

Can rural credit cooperatives borrow money to buy a car? What conditions do you need to buy a car with a loan?