Is the loan in Zhonghe Rural Credit Cooperative formal and will it be included in the national credit information system?

The loan of Zhonghe Rural Credit Cooperative is formal, and the accounting is included in the national credit information system.

Zhonghe Rural Credit Cooperative Project Management Co., Ltd. (hereinafter referred to as "Zhonghe Rural Credit Cooperative") is a micro-financial service institution rooted in rural areas. Its purpose is to customize diversified financial service products based on microfinance for low-income groups in counties that cannot fully enjoy traditional financial services. The loan platform will be connected to the People's Bank of China's credit information system, and online lending is risky, so the choice should be cautious.

The main customers of Zhonghe Rural Credit Cooperative Loan are low-income groups.

Rural middle-income groups, with large numbers and complicated personnel, belong to the backbone of rural society. The bottom of "football" is low-income groups, including poor households who set up files and set up cards. 80% of them lose their ability to work and need low-income services.

The boundaries between middle-income groups and low-income groups are blurred. Many low-income families have just changed their lives through their own labor and stepped into the bottom of middle-income groups. However, perhaps the cash flow was unfavorable in one operation, the whole cash flow was cut off, and they suddenly returned to the low-income group.

The bottom of middle-income groups and the top of low-income groups are collectively called "low-and middle-income groups", which are the main service targets of Zhonghe Rural Credit Cooperatives.

Lending speed is relatively fast. Compared with traditional financial institutions, the lending speed of Zhonghe Rural Credit Cooperative is relatively fast. Generally, eligible customers can get the money within 3-5 days after submitting the application. Now this time has been shortened to 1-2 days.