Yunxiao Rural Credit Cooperative Association(yun xiao xian nong cun xin yong he zuo lian she )

Yunxiao County village level financing guarantee fund business operation process (Trial)

Yunxiao County village level financing guarantee fund business operation process (Trial) is promulgated and implemented by Yunxiao County People's government.

general provisions

Article 1 this operation procedure is formulated to standardize the loan guarantee behavior of village level financing guarantee fund, prevent the occurrence of loan business risks, ensure the quality and efficiency of business work, and promote the healthy development of business.

Chapter II guarantee business process

The second business process mainly includes: Villagers' application → village salesmen accept the application and conduct preliminary investigation and review → village guarantee fund approval team review → issue counter guarantee guarantee opinions and submit relevant materials to the agricultural credit association → Agricultural Credit Association review and handle → villagers apply to the credit union → Credit Union acceptance → approval decision → signing contract → granting loan → Post loan management → loan recovery (compensation and recovery) → filing

Chapter III Application Conditions

Article 3 the applicant must be a villager of the village level guarantee fund to which he belongs. If his registered permanent residence moves out of the village, no guarantee will be granted. The applicant shall meet the following conditions:

（1） They have registered permanent residence in their own village, have full capacity for civil conduct, and hold legal and valid identity certificates;

（2） Be over 18 years old and not over 60 years old before the maturity date of the loan;

（3） Among the villagers in the village, those who have good reputation, no bad habits such as pornography, gambling and drugs, and have the ability to repay the loan;

（4） There is no bad credit record, or although there is a bad credit record, the bad credit record is not due to subjective malice, and all debts have been returned before applying for this guarantee;

（5） It has contributed to the village level financing guarantee fund;

（6） Other conditions deemed necessary by the credit union.

Chapter IV guarantee investigation

Article 4 the village level guarantee fund salesman is responsible for investigating the villagers' guarantee application, and reporting the applicant's loan use, production and operation, repayment ability and counter guarantee to the guarantee fund approval group.

Article 5 the salesman shall submit the investigation to the approval team within 3 working days after the investigation.

Article 6 in the process of investigation, if the applicant is not willing to cooperate, the examination and approval team may not approve.

Chapter V Examination and approval of counter guarantee

Article 7 the salesman shall submit the investigation to the approval group of village level guarantee fund and report the investigation. The members of the examination and approval group shall vote by vote. The number of members of the examination and approval group must be odd. If the affirmative vote accounts for more than half of all the members of the examination and approval group, it means consent.

Article 8 if the borrower's loan amount exceeds 100000 yuan, the village level guarantee fund shall agree to provide guarantee, and the agricultural credit association shall add counter guarantee measures.

Article 9 after the approval of the examination and approval group, the materials shall be submitted to the agricultural credit association. After the approval of the agricultural credit association, the agricultural credit association shall guarantee the loan of the borrower, and the village level guarantee fund shall provide counter guarantee for the agricultural credit association.

Chapter VI issuance and management of loans

Article 10 the village level guarantee fund shall issue a letter of consent to counter guarantee and a counter guarantee contract, and the agricultural credit association shall issue a letter of consent and a guarantee contract, which shall be submitted to the credit cooperatives for acceptance and approval.

Article 11 with the approval of the credit cooperatives, the villagers who meet the conditions of "the villagers' previous two loans (especially the loans guaranteed by the village level guarantee fund) are not overdue, and the total term of the previous two loans (the same as above) is not less than one year and six months, and the village compensation rate is less than 5%" can get 4-5 times of the loan line, while the villagers who do not meet the conditions of the former can get 4-5 times of the loan line The amount of the loan is 3 to 4 times of the capital contribution, and the multiple of the loan is determined by the credit cooperatives according to the quality of the customers. The loan shall be issued in accordance with the requirements of the detailed rules for the implementation of personal loan business of Yunxiao rural credit cooperative association.

Article 12 If the applicant fails to repay the loan of the credit union at the due date, the association shall pay back the loan on behalf of the applicant, and then the village level financing guarantee fund shall compensate the risk of the association. If the loan amount exceeds 100000 yuan, the association may claim compensation from the third Party of the applicant for the additional counter guarantee contract previously signed.

Article 13 the losses of the guarantee fund caused by overdue loans shall, in principle, be supplemented by the village committee itself. In case of overdue loans of more than 100000 yuan, the agricultural credit association shall recover the additional counter guarantors from the third party of the applicant and return the recovered funds to the guarantee fund.

Chinese PinYin : Yun Xiao Xian Nong Cun Xin Yong He Zuo Lian She