How do farmers get loans?

Agricultural loans are difficult, especially farmers' cooperatives. The financing difficulty of cooperatives has become an important factor restricting their healthy development. On the one hand, loan is an objective requirement for the development of cooperatives in China at this stage; On the other hand, there are many difficulties in obtaining loans for agricultural projects from banks. So, how should we get agricultural loans? img src = '/large/ 15380006 c 030 10 f 7a 26 e '/

0 1 means of production financing loan

Financing loans for agricultural means of production are allowed in some provinces: loans for means of production required by large grain growers in production or breeding operations vary from province to province. The loan conditions for large grain growers in Heilongjiang are as follows:

1, a grain planting cooperative that was filed by the Provincial Department of Finance in that year and was included in the file management of large grain growers at the county and township levels in that year and met the relevant regulations;

2. The continuity of production and operation is good, and the occupation of working capital is relatively balanced;

3. There is no bad credit record in the bank credit information system;

4 loans for leading enterprises directly under the provincial supply and marketing cooperatives to purchase agricultural means of production;

5. Abide by relevant financial policies and regulations;

6. Meet other loan conditions. img src = '/large/ 15a 1000 1 12 d7c 0652998 '/

Land mortgage loan is a pilot project.

Shandong, Hubei, Jilin and other provinces allow land mortgage loans. Among them, the borrower in Jining, Shandong Province shall provide the following information to the loan bank when applying for a loan:

1. Personal information and valid identification of the borrower;

2. Annual household income;

3. Analysis of loan use and benefit;

4. The land contract management right certificate issued by the local government and the land contract signed by the village committee and farmers;

5. The mortgagor's commitment to the ownership status, mortgage status and agreed disposition of the mortgaged property;

6. A written certificate issued by the local village collective economic organization agreeing to mortgage;

7. Other relevant materials that financial institutions need to review. img src = '/large/ 15360006d 36 ef 2 fc 560 e '/

There is a threshold for special discounts.

National agricultural project loans are subsidized, but the threshold requirements are high. For example, agricultural development projects do not accept the following projects:

1. Related projects restricted and eliminated by national industrial policies;

2. Animal and plant processing and circulation projects listed in the List of National Key Protected Wild Animals and Plants in China and the appendix of the International Convention on the Protection of Wild Animals;

3. Chinese patent medicine deep processing, wood deep processing, textile deep processing and other projects;

4. By the end of last year, the same project unit (including parent company, its subsidiaries and different companies, but with the same legal representative) that has been supported by industrialized agricultural comprehensive development projects (including loan interest subsidies and financial subsidies) for three consecutive years (except cooperative projects) is not within the application scope of this year;

5, has been declared this year's comprehensive agricultural development financial subsidies or departmental projects, not within the scope of this declaration;

6. Joint-stock enterprises for comprehensive agricultural development invested by the central government and enterprises that use paid funds shall not declare the industrialization projects for comprehensive agricultural development in 20 12, which have not turned over the state-owned equity dividend income and outstanding loans due;

7. Enterprises with bad credit records or blacklisted supervision are not included in the declaration scope;

8. Listed companies (including holding companies, parent companies and subsidiaries) are not included in the report of this project.

[According to the report of the Agricultural Cooperation Forum]

Many people think that farmers' wages are low and they don't need much money to do agriculture. I plunged into it and found that the project was underfunded. It was really a big pit. In addition, the income cycle of agricultural projects is long, and the capital chain is prone to problems! The state invests huge subsidies in agriculture every year, many of which are aimed at agricultural operators! (Agricultural Cooperation Forum)