Agricultural Bank of China Le Yi installment application process?

1. What is the phased application process of Agricultural Bank of China in Le Yi?

2. If there is a pre-approval quota, you can directly go to the nearby outlets to fill in the application and submit it for review;

Under normal circumstances, it will be received on the same day, and the money will be directly transferred to the special account of ABC.

Second, how to apply for agricultural loans

Application conditions

Although the objects of agricultural loans have the characteristics of wide range and many objects, they are not endless. Only those who meet the following conditions can apply for loans from banks and credit cooperatives.

The borrower shall be an economic entity with legal personality. Proof that the borrower should have legal identity.

The production and operation projects undertaken by the borrowing unit shall conform to the laws and policies of the state and the division of agricultural areas; Materials, energy, transportation and other conditions, with the corresponding management level; Products meet the needs of society, have good expected economic benefits, and can repay the principal and interest of loans on schedule.

The borrower is an economic organization that operates independently, is responsible for its own profits and losses, has a sound financial and accounting system, has a reasonable income distribution method, and can independently undertake the relationship between foreign creditor's rights and debts.

Borrowing units and individuals shall have their own funds in accordance with the prescribed proportion, and large loans shall be guaranteed by corresponding economic entities, or have enough property to pay off the loans as collateral.

Borrowing units should open accounts in agricultural banks and credit cooperatives, abide by credit, accept the supervision and inspection of banks and credit cooperatives, and submit financial and accounting statements and other economic data related to production and business activities to banks and credit cooperatives in accordance with regulations.

Basic procedure

Accept loan applications. The borrower shall, in accordance with the requirements of the loan regulations, submit a written loan application to the local bank and attach relevant materials. If there is a guarantor, include the relevant information of the guarantor.

Loan review. After accepting the loan application, the bank will conduct a comprehensive review of the feasibility of the loan, including filling in the borrower's basic information register, or the personal loan basic information register and the borrower's financial statistical analysis form.

Loan approval. For the loan application that meets the loan conditions after examination and evaluation, the loan decision shall be made in accordance with the provisions of the loan examination and approval authority, and the loan examination and approval procedures shall be handled.

Sign a loan contract. For the loan that has been approved, the borrower and the borrower shall sign a written loan contract in accordance with the Regulations on Loan Contracts and relevant regulations.

Loan issuance. According to the loan contract signed by the borrower and the reasonable capital demand for production, operation and construction, go through the loan formalities.

Establish a loan register.

Establish loan files. According to the requirements of the borrower, the file should record the borrower's basic situation, production and operation, loan issuance, credit sanctions, loan inspection and economic activity analysis.

Supervision and inspection of loans. After the loan is issued, supervise and inspect the borrower's implementation of the loan policy and loan contract, and promptly correct and deal with violations of the policy and breach of contract.

Recover the loan on schedule. The loan should be recovered according to the loan term agreed by both borrowers. Before the loan expires, notify the borrower in writing that he is ready to repay the loan principal and interest. If the borrower fails to repay the loan on schedule due to justifiable reasons, he may apply for an extension of repayment before the maturity, and recover it within the agreed time limit after being examined and approved by the bank.

Treatment of abnormal loan occupation. It is necessary not only to monitor and evaluate, but also to take corresponding effective measures according to different situations.

Extended data:

Compared with industrial and commercial loans, its main features are:

The term is longer. Agricultural production cycle is long and slower than that of industry and commerce. Therefore, the term of agricultural loans is also longer than that of industrial and commercial loans.

The interest rate is very low. Agricultural production is greatly influenced by natural conditions and has great risks; At the same time, the agricultural situation has a great influence on the development of the whole national economy.

Therefore, in order to achieve social stability, many governments have implemented policies to encourage and support low-interest agricultural loans. Agricultural producers' own credit cooperatives also implement the principle of low interest loans, and some are subsidized by the government to provide interest-free loans.