Seasonal acquisition loan
Product definition:
This product refers to the short-term working capital loan issued in the peak season of agricultural and sideline products purchase to solve the difficulties of the processing of funds for the processing of agricultural and sideline products processing, circulation and reserve enterprises. The products are mainly for the AA-level (including) or above agricultural industrialization leading enterprises with a seasonal acquisition fund demand. The loan term principle is no more than 6 months and the maximum can not exceed 9 months.
Features and features:
This product is mainly designed to solve the difficulties of large-scale capital demand and high time limit for the acquisition of agricultural and sideline products in agricultural industrialization leading enterprises, and has a clear definition of borrower access and capital requirements.
The seasonally acquired loans are subject to the management methods of “closed operation, term management, special funds, and library loansâ€. The main feature of the product is that according to the demand characteristics of agricultural and sideline products, the credit value of the enterprise can be exceeded. The credit value of the enterprise is more than 30% (inclusive). The approval of the agricultural bank tier-1 branch is required to be approved in accordance with the relevant credit system of the Agricultural Bank.
Processing process:
(1) The borrower submits an application and submits relevant materials.
(2) The bank investigates, examines and approves the business.
(3) Signing the loan and guarantee contract.
(4) According to the contract, the loan will be loaned one by one.
(5) Actively carry out post-loan management work.
(6) Recovering credits in full and on time.
Processing channels:
All authorized operating agencies of the Sannong Business Department can handle it.
Fertilizer off-season commercial reserve loan
Product definition:
The fertilizer off-season commercial reserve loan refers to the short-term working capital loan provided by the Agricultural Bank to the borrower's application for the commercial off-season commercial reserve business. The fertilizer off-season commercial reserve loan is also applicable to the bill acceptance, discount, guarantee, short-term letter of credit with a term of not more than 90 days and other international trade financing services provided by the Agricultural Bank to the borrower to carry out the fertilizer off-season reserve business.
The chemical fertilizer off-season commercial reserve business refers to the business activities of the chemical fertilizer circulation enterprises that deposit the chemical fertilizers in the off-season and then put them into the market during the peak season when the fertilizers are used. Among them, the National Development and Reform Commission and the Ministry of Finance signed an effective “Financial Fertilizer Off-season Commercial Reserves Storage Agreementâ€, which can be used as a “storage enterprise†for other companies engaged in chemical fertilizer off-season commercial reserve business. Call it "general business."
Features and features:
The fertilizer industry's off-season commercial reserve loans mainly satisfy the “storage enterprises†and “general enterprisesâ€. The liquidity demand arising from the commercial off-season commercial reserve business mainly has two significant characteristics: First, the company has formulated a fertilizer pledge guarantee scheme for enterprises to store. Fertilizers set up movable property pledges to increase the effective guarantee method for chemical fertilizer circulation enterprises; Secondly, for the characteristics of chemical fertilizer circulation enterprises, the chemical fertilizer off-season commercial reserve loans have increased the special credit method for enterprises to broaden the credit space for corporate loans.
Processing process:
(1) The client submits an application and submits relevant materials.
(2) The bank conducts investigations, examinations, and examinations and approvals.
(3) Signing the loan and guarantee contract.
(4) The verification of the pledge registration procedures.
(5) Issue loans according to the contract.
(6) Actively carry out post-loan management work. (7) Recovering credits in full and on time.
Processing channels:
All authorized business offices can handle it.
Professional cooperative liquidity loan
Product definition:
The farmer cooperatives working capital loan refers to the RMB loans issued by the operating bank to the farmers' cooperatives in their respective jurisdictions for the unified procurement of agricultural production materials, unified acquisition and sales of agricultural and sideline products.
The farmer's professional cooperatives refer to the mutual aid economy of the producers and operators of similar agricultural products or the providers of similar agricultural production and management services, the users' voluntary joint and democratic management, based on the "People's Republic of China Farmers' Professional Cooperatives Law". organization.
Features and features:
The products are mainly used to solve the revolving, seasonal and temporary funding needs of the cooperative production and operation process. It is divided into general working capital loans and self-service revolving working capital loans according to the mode of use.
Processing process:
(1) The borrower submits an application and submits relevant materials.
(2) The bank investigates, examines and approves the business.
(3) Signing the loan and guarantee contract. (4) According to the contract, the loan will be loaned one by one.
(5) Actively carry out post-loan management work.
(6) Recovering credits in full and on time.
Processing channels:
All authorized and sublicensed business establishments can handle this.
Agricultural industrialization cluster
Product definition:
This product refers to the core distributors that are highly correlated with the leading enterprises of agricultural industrialization above AA level (including). After the qualified insurance companies have applied for domestic trade credit insurance, the Agricultural Bank provides them with a certain proportion of the insurance coverage. A local currency financing business that meets the needs of its liquidity business.
Features and features:
This product is mainly to solve the short-term liquidity demand provided by the core distributors of qualified agricultural industrialization leading enterprises in the domestic trade transactions, such as credit sales and other settlement methods, which can not timely return the accounts receivable formed by the retailers.
The main feature of the product is that the core dealer's credit guarantee business credit quota occupies the credit guarantee credit quota approved by the Agricultural Bank for the leading enterprises and the financing amount can be up to 80% according to the domestic trade credit insurance amount insured by the core dealer. In addition, other types of guarantees may no longer be provided to core dealers who meet the requirements of the Agricultural Bank's credit insurance business after handling the minimum margin required for product registration.
Processing process:
(1) The borrower submits an application and submits relevant materials.
(2) The bank investigates, examines and approves the business.
(3) Review relevant insurance procedures and materials to sign loans and guarantee contracts.
(4) According to the contract, the loan will be loaned one by one.
(5) Actively carry out post-loan management work.
(6) Recovering credits in full and on time.
Processing channels:
It must be provided by a qualified leading enterprise to provide a list of core dealers.
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