What is the Bank of China Yinongdai personal agricultural industry chain business loan?

Bank of China Yinongdai’s personal agriculture-related industrial chain operation loans can adopt mortgage (pledge) guarantee, guarantee guarantee, etc. approved by Bank of China. Both advantageous areas and ordinary areas can adopt the following three guarantee methods. Any kind of business:

1. Mortgage (pledge) guarantee: The relevant mortgage (pledge) guarantee method is in line with the Bank of China’s current personal investment and business loan product policies.

2. Guarantee from a professional guarantee company: The professional guarantee company admitted by Bank of China provides an irrevocable joint and several liability guarantee guarantee.

3. Company guarantee: Downstream agricultural product processing and sales enterprises that have a credit line with the Bank of China provide guarantees. This guarantee must be approved by the risk management and corporate business departments, and occupies the credit line of the enterprise with the Bank of China.

In the specific business start-up, the business handling agency can monitor factors such as the regional advantage level, peer practices, market practices, borrower's credit status, repayment ability, and whether the borrower's sales return funds can be monitored. , in addition to the above-mentioned guarantee methods, choose other guarantee methods to supplement.

(Answer time: March 18, 2024)

The above content is for your reference, please refer to the actual business regulations.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.