1. Summarize

1.1 Definition

Our bank provides loan to the retail customers to satisfying with the needs of individual and the family, such as: house decoration and purchasing automobile. The loan period of this kind of loan is usually not exceed 2 years, usually takes the property or other   mortgage goods as mortgage.

1.2 Object

The object of individual consuming guarantee loan is full of 18years old, natural person of having complete capability of civil conduct.

1.3 Use

Individual consuming loan is mainly used for the normal consuming fund demand of the borrower, not allowed to issue the loan of no appointed use.

1.4 Conditions

 The loanee of applying for consuming guarantee loan should possess the following conditions at the same time:

1. Having the local registered permanent residence or effective residence identity;

2. Having steady legal income source, having the capability of repaying the loan capital and interest on time;

3. Credit status is better, no illegal and undiscipline behaviors, no bad record; Bad record refers to based on the inquiring in the individual credit information system of the People’s Bank of China (that is credit reference system of the People’s Bank), really because of spite reason of the borrower to cause the following bank credit information record:

(1) In installation repayment to default loan capital or interest for continuous 3 terms (including) or accumulative total above 6 terms (including);

(2) In one time repaying when expiring to default loan capital and interest time above 90 days.

If after investigation, the customer is really not because of spite reason to cause debt, could have adjustment by the credit operation department to consider the concrete situations, concrete explanation could be reflected in the investigation report of the customer manager.

4. Could provide the mortgage (pledge), the third side warranty approved by Jiutai Rural Commercial Bank;

5. To take Guarantee mode, Guarantor is limited natural person and guarantee organ;

(1) Natural person provides guarantee, guarantor is no less than two persons in principle, and guarantor must be the national public servant, on-duty official staffs of administrative public institution, as well as official staffs of having steady economic income of excellent industry of financial insurance, petroleum, electricity, telecom and so on; guarantee amount of every guarantor is not exceeded 30 times of its month salary income in principle;

(2) Guarantee organ must be the guarantee company of signed the agreement with Jilin Jiutai Rural Commercial Bank; guarantee amount of guarantee company could not be exceeded the regulated times of its deposited cash deposit.

6. The other conditions demanded by the loaner.

1.5 Amount

The loan amount of guarantee mode is usually not exceeded 150000 Yuan in principle, and could not be exceeded 30 times of the average month wages of the loanee; loan amount of the pledge mode is not exceeded 90% of par value of pledge document of title provided by the loanee; loan amount of mortgage mode is not exceeded 70% of evaluation value of mortgage goods.

1.6 Time limit

The longest time limit of individual consuming loan is not exceeded 2 years.

1.7 Interest rate

Interest rate of individual consuming guarantee loan will be carried out according to the floating interest rate regulated by the nation.

2 Operating procedure

2.1 Borrower application

The customer having intention to handle individual consuming loan, needs to put out application to the loaner, and to provide the following papers:

1. Original copy of effective identity certificate of the loanee and the duplicate;

2. The local registered permanent residence or the effective proof papers of residence identity;

3. The proof papers of loan repaying capability of borrower. Such as: income certificate, sheet of paying taxes, insurance sheet or other effective proof of repaying source provided by the unit of the borrower;

4. When the loanee applies for pledge loan, must provides the original pledge document of title and the document in writing of pledge agreed by the ownership;

5. When the borrower applies for mortgage, must provides inventory of mortgage goods and ownership certificate document, and in writing file of pledge agreed by the owner and common property owners;

6. When the borrower applies for warranty loan, if the guarantor is natural person, should provide credit certificate, mainly including: effective identity certificate, household register proof, proof papers of loan repaying capability, in writing file of agreed to provide guarantee by the guarantor;

7. The other documents and papers demanded to provide by the loaner.

2.2 Loan investigation

After the customer manager of the loaner, at least should have investigation and determination commonly by two customer managers to all the documents provided by the borrower, authenticity of the papers, legality, integrality, and strictly to carry out face interview system. Having investigation and evaluation to the credit status, guarantee practicable situation of the loanee, having analyzing, arrangement to the investigation result and form the investigation report.

Investigation content is mainly including but not limit to:

1. Investigation to the loanee: check of identity, credit status of the loanee, whether have bad credit record, check the authenticity of income, stability of the repaying source and so on;

2. Investigation to the guarantee situation: verify the authenticity of mortgage goods (pledge right), legality, whether mortgage goods (pledge right) has been set up, whether value is determined; investigate credit status of guarantor, guarantee capability and compensatory wish.

2.3 Examine

Reference to the concerned regulations of examination of the handbook of the article two of chapter two of Basic Procedure of Credit Business to carry out.

2.4 Examine and approve

Reference to the concerned regulations of examining and approving of the handbook of the article two of chapter two of Basic Procedure of Credit Business to carry out. 1.2.5 loan issue

1. Sign the contract and handle related procedure. After the loan application is permitted, the handling bank should sign Individual Consuming loan Contract with the borrower. To take pledge, mortgage, warranty, also should sign Pledge Contract, Mortgage Contract, Warranty Contract. And to handle valid stopping payment of pledge right, registration of the mortgage goods, and insurance and other procedures;

2. The loaner should be according to the appointment of the loan contract, through the mode of entrusted payment of the loaner or on borrower’s own payment to have manage and control to the payment of loan fund, to supervise the loan fund to use according to the appointed intended use.

2.5 Management after loan

1. The loaner should enhance the management to the individual consuming guarantee loan, having check after loan according to the regulated procedures strictly, to ensure the loan taking back on time, and complete evaluation work after loan.

2. After the loan issuing, the loaner must often check the use and repaying situations of the loan, especially check and testify the consuming bills and vouchers, check the financial economic status, repaying capability of the borrower and the repaying capability of the guarantor of the third side, as well as the value changing situations of pledge goods and mortgage goods.

2.6 Bad loan administration

Reference to the regulation of the handbook of the article 3 of the chapter 2 of Bad Credit Assets Operation Management to carry out.

2.7 Archives Management

Reference to the regulations of the handbook of the article 3 of the chapter 3 of Bad Credit Business Archives Management to carry out.