SuNiTeYouQi Rural Credit Cooperative Union(su ni te you qi nong cun xin yong he zuo lian she )

Sunid Right Banner Rural Credit Cooperative Association

Sunid Right Banner rural credit cooperative association was established in April 2007. Its predecessor is Sunid Right Banner Rural Credit Cooperative Union and 14 rural credit cooperatives under its jurisdiction. It is a local financial institution.

Basic information

In 2007, the United Corporation was established. At present, it has 9 functional departments: Human Resources Department, comprehensive management department, party and Industry Affairs Department, planning and finance department, business development department, e-banking Technology Information Department, audit and supervision department, risk compliance department and security department; it has 12 business outlets (including business department). Sunite Right Banner is the largest and most widely distributed financial institution.

Main functions

1. To handle deposit, loan, bill discount and domestic settlement business; 2. To handle personal savings business; 3. To act as an agent for financial business of other banks; 4. To act as an agent for collection and payment and entrusted insurance business; 5. To buy and sell government bonds; 6. To act as an agent for issuing, cashing and underwriting government bonds; 7. To provide safe deposit box business; 8. Other businesses approved by the banking regulatory department.

Main service products

Micro credit loans for farmers

Farmers' micro credit loan is a kind of micro credit loan issued by rural credit cooperatives according to the assets of farmers and the credit of farmers and herdsmen within the approved amount and period. And take "a check, with the loan, balance control, turnover use" management method. the borrowers of small credit loans for farmers must have the following conditions: (1) they have agricultural household registration, and the place where the household registration is located is within the business area of rural credit cooperatives; (2) they have full capacity for civil conduct; (3) they have good credit standing, and they have the ability to repay the principal and interest of the loans; (4) they are engaged in planting, breeding, processing and other production and operation activities related to the economic development of agricultural and pastoral areas (5) individual business owners and private business owners shall open settlement accounts in rural credit cooperatives. The purposes of small loans for farmers are: (1) loans for production expenses of farming and animal husbandry in the fields of planting and breeding; (2) loans for small agricultural machinery; (3) loans for pre production, mid production and post production services of farming and animal husbandry; (4) working capital loans for self-employed households and private entrepreneurs; (5) consumer loans for children of farming and animal husbandry households to go to school, build houses and treat diseases. (1) initial credit line. According to the fund situation of rural credit cooperatives, the income and demand of farmers and herdsmen, the level of local economic development and the credit rating of farmers and herdsmen, the initial credit line shall be determined by each credit cooperatives according to local conditions. (2) adjust the credit line. After the credit rating of farmers and herdsmen is adjusted, the credit line will be increased or decreased according to the adjusted credit rating. (3) maximum credit line. In general, the maximum amount of initial credit or adjusted credit for a single farmer or herdsman shall not exceed the sum of the average annual net income of the farmer in recent three years or the variable cash finance owned by the family. In principle, the maximum amount of credit shall not exceed 30000 yuan. According to the interest rate policy of the people's Bank of China for rural credit cooperatives, the small credit loan for farmers is determined according to the deposit interest rate, cost and loan risk, and appropriate preferential treatment is given. the interest settlement method of farmers' micro credit loans is generally that the interest is settled with the principal or quarterly.

Student origin loan

Loan object: full time junior college students (only for the first junior college), undergraduates (only for the first and second undergraduate) and postgraduates who are recruited by full-time colleges and universities in the autonomous region and whose registered permanent residence is in their own banner and graduated from senior high school in their own league school. purpose of loan: it is used to meet the expenses of tuition, living expenses and other necessary expenses of the loan object. loan conditions: the following basic conditions should be met when applying for student source loan: (1) being admitted to a full-time ordinary college within the autonomous region; (2) the family is really in financial difficulties (holding relevant certificates provided by the Civil Affairs Bureau, Poverty Alleviation Office, Sumu government and the community), which is not enough to guarantee the necessary tuition and living expenses during the study period of the students; (3) credit Good, study hard, live frugally; (4) abide by national laws, regulations and school rules and regulations, no criminal record, school severe warning above punishment record and other bad credit record; (5) have the guarantee and mortgage conditions recognized by our society. (6) meet other requirements of student loan. Loan method: mortgage and guarantee are adopted for loan. The mortgaged property must be evaluated and notarized by the relevant departments and conform to the mortgage procedures, and the guarantor must be a public official of the administrative or public institution of his own banner. loan limit: the maximum annual loan amount shall not exceed the tuition and basic living expenses of each academic year. loan term: the loan term is calculated with the first loan date as the starting date, generally no more than one year after graduation. If you have difficulties, you can apply for extension, but the extension shall not exceed one year. loan interest rate: the legal benchmark interest rate of the same level for the same period stipulated by the people's Bank of China. when applying for student source loan, you should truthfully fill in the student source loan application form (letter) provided by the handling credit cooperatives, and provide the following materials: (1) the admission notice of the student applying for student source loan and the relevant certificate issued by the Education Bureau; (2) the payment notice of the University; (3) the name of the University's account, the capital account number and the account opening bank; (4) the loan applicant and The guarantor's valid resident identity certificate and copies (the guarantor is the public officer of the administrative and public institutions of the banner; the identification of identity certificate is subject to the verification of the Poverty Alleviation Office, civil affairs and education departments);; (5) other relevant information required by the credit cooperatives.

Chinese PinYin : Su Ni Te You Qi Nong Cun Xin Yong He Zuo Lian She