What are the requirements for China Bank to apply for personal agriculture-related loans?

Personal agricultural loans obtained by China Bank for agricultural loans shall meet the following standards:

1. The borrower shall have certain working experience, and in principle, the working years shall be no less than two years;

2, there are fixed agricultural business projects and have formed a certain scale of operation, accumulated certain management experience and technical level, and have relatively stable supply and marketing channels;

3. Borrowers engaged in the purchase and processing of agricultural products should, in principle, register individual industrial and commercial households and sole proprietorship enterprises according to law, or set up limited liability companies/joint stock limited companies/partnership enterprises (which must be wholly owned by natural persons), and enterprises should be approved and registered according to law;

4. According to the local market and objective conditions, if the borrower does not need to be registered as a registered entity, it should hold relevant contract agreements, or entrust purchase contracts, agency agreements, sales agreements, cooperation agreements and other materials;

5. Open a settlement account or deposit account in China Bank;

6. Have a certain proportion of self-raised funds;

7. The use of loan funds conforms to the Interim Measures for the Administration of Personal Loans and other relevant laws and regulations and the relevant management regulations of China Bank.

8, in principle, support farmers in the province's agricultural industrialization, temporarily do not support business activities in other provinces;

9. Other conditions stipulated by the Bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

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