at present, the stipulated discount period is short, the amount is small, the discount standard is too low, and the assistance is not enough. The interest rate of farmers' loans generally exceeds 1%, and farmers still have to pay more than 5% interest after the loan is discounted, which is similar to the interest rate of commercial loans of other banks that are not discounted. The advantages of discounted loans cannot be demonstrated.

subsidized home loan for poverty alleviation (hereinafter referred to as "home loan") is an important poverty alleviation policy determined by the state, and it is an important means to increase investment in poverty-stricken areas, help the poor from village to household, and realize industrialized poverty alleviation. There are seven poverty-stricken counties, and the work of helping the poor with discount loans began in 1986. At present, the accumulated loans to households have reached 4.21 billion yuan.