2009年吉林省信贷上岗考试(填空)（2009 Jilin credit examination (fill in the blanks)）.docVIP

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2009年吉林省信贷上岗考试(填空)（2009 Jilin credit examination (fill in the blanks)）.doc

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2009年吉林省信贷上岗考试(填空)（2009 Jilin credit examination (fill in the blanks)）

2009年吉林省信贷上岗考试(填空)（2009 Jilin credit examination (fill in the blanks)） 1. farmers refer to those who live in the service area of rural credit cooperatives and acquire the right to contracted management of land (natural persons). According to the degree of credit, farmers are divided into (letter users) and (non letter users). 2., farmers loans adhere to the approved limits, (with the loan), (balance control), the use of cash principle. 3., peasant household loans are mainly divided into (peasant household small credit loan), (peasant household joint guarantee loan), (peasant household guarantee loan), pledge loan and mortgage loan. 4. farmers are divided into 3 households (2 UNPROFOR), (3 households UNPROFOR), (more than two joint guarantee). 5., farmers loans should have the following basic conditions: full civil capacity, less than 60 years of age (male), female less than (55 years of age). From the village committee in accordance with the law contracted land management rights. Have lawful and stable income. No bad credit history. 6, 2 households UNPROFOR, UNPROFOR group members must be the same as (letter user). 7, farmers guarantee loans, the guarantor is a natural person, the maximum allowed (2 guarantees). 8, the total amount of debts guaranteed by the peasant household loan balance can not exceed 80% of the total income of the farmers assets and the average fixed income in the past 3 years. 2 households guarantee, the maximum loan limit (20 thousand yuan), more than 2 households, the maximum loan limit per household (50 thousand yuan). The farmer guarantees the loan, has 1 guarantors highest loan quota (60 thousand yuan), has 2 guarantors highest loan limit (90 thousand yuan). 9, the loan period of farmers is divided into (6 months), (1 years), (1 and a half years), (3 years), (5 years). 10, peasant households UNPROFOR team members unchanged, farmers UNPROFOR loan contract may be signed (3 years). Every year before the end of 10, the demand for loans of farme