摘要:联保部队成员与对方承担连带责任,在很大程度上解决问题的农户小额贷款,农村信用社信贷向小企业提供贷款的方法创建了一个新的发展思路。在这种模式下,一旦确定农村信用社信贷额度,农民可在任何时间内的设施贷款非常方便。 ,联合成员之间的关系偿还的贷款担保,以保护农村信用社的金融安全。
s to provide credit support by brush massiniana companies jointly established professional associations . Smooth communication between members of the Association , information sharing, members jointly and severally liable . RCCs can give each member of the 10-20 million loan to support , and without collateral businesses .
Way to UNPROFOR members jointly and severally liable with each other , in large measure to solve the problem of farmers small loans to credit for rural credit cooperatives provide loans to small businesses created a new development ideas. In this mode , once the rural credit cooperatives credit line is determined, farmers may at any time within the facility loan is very convenient. Relationship between members of joint repay the loan guarantee to protect the financial security of the rural credit cooperatives . The only downside is the professional association members must have repayment ability and high ethical standards , including one of its members once the outstanding loans , will affect the other members of the credit .
Mainly in the form of UNPROFOR members of professional associations provide financial guarantees , professional cooperatives loan repayment obligation to monitor the situation , members fail to repay principal and interest , the other members will be jointly and severally liable .
Those loans that farmers as the main person, organization members to pay Security Funds , provided guarantees to banks by the organization . In certain fruits and vegetables cooperatives Jian'ou ABC signed an agreement with the city , for example, by professional cooperatives in the ABC opened a deposit account and credited to apply for small loans to cooperatives to provide free guarantee. In this mode , ABC fruit and vegetable cooperatives have been handled for more than 400 ABC cards , loans more than 2000 yuan.
Cooperative economic organizations voluntarily pay the loan guarantee gold membership , as supplemented UNPROFOR organization's risk . Banking financial institutions as the basis of a loan guarantee fund , according to a certain proportion of credit to members amplification . Members in the line of credit , the credit period , at any time apply for loans and repayment procedures. This mode is most commonly used in practice , more professional guarantees to save the relevant asset valuation fees , finds fees , reducing the loan approval links, simplifying the complex handling procedures . However , organizations must be fully aware of their members , have the ability to bind members and facilities to limit the amount of the guaranteed funds .
The rural cooperative economic organizations as a guarantee agency , organization plays a role in a second payer , when members unable to repay the loan principal and interest , the organization took the settlement , other members will not be affected , to ensure the return of bank loans .
Members in the form of shares to join cooperative economic organizations,
According to the agreed conditions provide funding to the organization , to the members of the organization of paid use . Professional cooperatives in Jian'ou example of a chestnut . Members of cooperatives in accordance with the mutually beneficial and compensatory basis shares, per share 1,200 yuan, all funds deposited in a bank account set up , the funds paid to the members of the organization nee
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