2022 Hainan photovoltaic power plant project can be loaned. According to the Opinions on Supporting Distributed Photovoltaic Power Generation Financial Services formulated by China Development Bank and National Energy Administration, all enterprises and institutions with good credit status and no major bad records and natural persons with full civil capacity can apply for loans. The loan process of photovoltaic power plant project is as follows: 1. First put the project on record, and then submit the loan application materials to the Municipal Energy Conservation and Emission Reduction Center with valid identity certificate, personal assets certificate or business license, articles of association, land or roof lease agreement, electricity purchase agreement and other related materials. 2 City Energy Conservation and Emission Reduction Center shall, after preliminary examination and review of the loan application materials submitted by the loan applicant, submit the borrower's examination opinions and related materials to the loan banks and guarantee companies. 3. The bank and the guarantee company start the guarantee audit, and sign a loan contract after passing the audit. After receiving the guarantee contract, the bank signs a loan contract with the loan enterprise. 4. Then the bank will allocate the loan by stages according to the progress. Usually, after the project passes the special acceptance of the Municipal Energy Conservation and Emission Reduction Center and goes through the relevant mortgage procedures of the guarantee company, the bank will issue the balance of the loan. 5. After obtaining the loan funds, you can repay the arrears on time according to the agreement with the bank.
Second, the photovoltaic poverty alleviation measures and basis that every household can enjoy?
1 What is the target of photovoltaic poverty alleviation?
There are two types of implementation targets: one is that there is no collective economic income or collective economy.
Second, poor households with no labor, no resources and no stable source of income.
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First, in combination with the renovation of dilapidated buildings and relocation in different places, photovoltaic power stations will be directly built when the roofs of poor households are built;
The second is to build households on the roofs of poor households, in front of houses and behind houses;
The third is to build small distributed photovoltaic power plants in poor villages, and poor households will participate in sharing;
Application combination, such as sightseeing agriculture, photovoltaic agricultural greenhouse and so on. ;
The fifth is to build large-scale ground power stations in poor areas.
3 How does photovoltaic poverty alleviation benefit poor households?
Through the investment of poverty alleviation funds, help poor households build photovoltaic power stations, and all property rights and benefits belong to poor households; The proceeds from building photovoltaic power plants in poor villages will be used for village-level public welfare ground centralized photovoltaic power plants and modern photovoltaic agriculture, and an interest linkage mechanism will be established with poor households by transferring land, collecting photovoltaic poverty alleviation funds and participating in dividends.
4 What are the photovoltaic poverty alleviation measures that poor villages and poor households can enjoy?
Policy: raise the price of distributed photovoltaic power generation to the same level; Simplify the application and approval procedures for photovoltaic poverty alleviation power stations, and the county power supply company will open up a green channel, conduct data collection, on-site investigation, formulate access plans, install electricity meters to connect to the grid, and strive to achieve village coverage, household access, and early benefit.
Funding: Village-level wealth creation companies are established at the village level, and county-level discount loans are provided to help poor villages establish village collective economic photovoltaic power stations. Poor households raise their own funds13, and the rest are supported by the government or donated by the society; Poor households with special difficulties, self-financing can be solved through mutual funds and other means. The county finance provides discount.
Operational guarantee: photovoltaic poverty alleviation fund is established in the county; Establish photovoltaic poverty alleviation operation and maintenance mechanism; Buy insurance for photovoltaic equipment in poor villages and poor households, so as to avoid the worries of operation and maintenance in the later stage of photovoltaic power generation.
5 What is the basis for determining the poverty-stricken villages and poor households that implement photovoltaic poverty alleviation?
Poverty-stricken villages with established files can enjoy photovoltaic poverty alleviation policies; The screening of poverty-stricken photovoltaic households is to exclude the poorest poverty-stricken photovoltaic households from the village through the appraisal of the villagers' congress, report them to the poverty alleviation departments of towns and counties for review and confirmation, and prevent the occurrence of such phenomena as relying on relatives and friends through household surveys.
What problems should be paid special attention to in the implementation of photovoltaic poverty alleviation projects?
First, choosing the right poor households and the most needy poor households is the focus of photovoltaic precision poverty alleviation.
Secondly, when choosing a suitable installation site, various site selection methods can be adopted to ensure the maximum income of installers and the maximum poverty alleviation effect, which is also an important factor to reduce work troubles;
Third, choose a good installation brand, which can ensure power generation; Fourth, it should be installed in power supply lines and stations suitable for installation. The station after the rectification of rural power is more suitable for installation, farmers close to transformers are more suitable for installation, and stations with large electricity consumption are more suitable for installation. At the same time, pay attention to the photovoltaic power station not to be too far away from the main line, and the power loss will affect the power generation efficiency.
7 How to prevent non-poor households from fraudulently using poor household indicators and crowding out poverty alleviation subsidy funds?
The poverty alleviation departments at the township and county levels are responsible for the checks, comparing the information of poor households, examining the qualifications of poor households applying for installation door by door, and understanding the family status of poor households through door-to-door visits.
What are the requirements for the site and power supply lines for the implementation of photovoltaic poverty alleviation projects?
The installation of village collective photovoltaic power station needs a certain area of open space, barren hills and slopes. (except for basic farmland and ecological public welfare forest), and there are no mountains, trees and buildings around, close to the transformer and sufficient transformer capacity.
Poor households can choose their own roofs with good lighting, install them in barren hills and wasteland around their houses, and install photovoltaic power stations; Some poor households are not suitable for installation because of the housing structure and lighting conditions, and can be coordinated by the village Committee and installed centrally. The number of installed households can be more or less, which can be flexibly mastered. The power supply area and lines where the installation site is located should be rectified in place, and the transformer capacity should be sufficient.
9 How to raise funds for photovoltaic poverty alleviation?
First, photovoltaic poverty alleviation should make full use of credit funds and discount poverty alleviation funds;
Second, enterprises involved in poverty alleviation can make project loans, and the Poverty Alleviation Office can serve as a financing platform to subsidize enterprises with poverty alleviation funds.
Third, poor villages and farmers can raise part of their own construction funds; In the actual project experience, distributed project loans are suitable for cooperation with rural credit cooperatives and villagers.
10 how to distribute the power generation subsidy?
Pay attention to the consistency of farmers' information, and the photovoltaic installation information of poor households should be consistent with the user name and one-card account name. Generally speaking, the first quarter issue is more appropriate.
1 1 What are the main responsibilities of the operation and maintenance of poverty alleviation photovoltaic power plants?
1. Responsibilities of the operation and maintenance center: The operation and maintenance center must have a special office, staffed with full-time operation and maintenance personnel, be on duty 24 hours a day, set up a special operation and maintenance telephone to ensure smooth operation 24 hours a day, announce it to the photovoltaic installers in the county, and keep a complete record of telephone calls for acceptance and maintenance. Prepare sufficient operation and maintenance materials.
2. Duties of township operation and maintenance station: set up a telephone for repair, and accept the repair of the above-mentioned photovoltaic power stations in townships; Generally, go to the site to handle the fault within 4 hours, and report to the operation and maintenance center in time if it cannot be handled, and it will be handled within 24 hours; Participate in fault liability identification; Establish operation and maintenance files; Prepare sufficient operation and maintenance materials.
3. Responsibilities of village operation and maintenance personnel: inspect the photovoltaic power station in the village 4 times a year; After receiving the repair call from the above-mentioned photovoltaic households in the village, they must be present within 4 hours to be responsible for the investigation and handling of minor faults. launch
Third, how to install the payment for photovoltaic power generation?
Processing flow of loan business: ① personal loan credit inquiry—② credit processing—③ quarterly repayment.
① Loan conditions: the individual has no bad credit record and no criminal record; Personal (home) address is within the jurisdiction of loanable banking services; The borrower needs to open a deposit account in the loan bank as a collection account for paying the electricity fee and subsidies of the State Grid; This loan product cannot be added to other loans. For example, farmers can still enjoy the loan right of this product if they have the original housing loan.
(2) Credit processing: goods sales contract, ID cards of husband and wife, owner's citizen card (consistent with the contract), land use certificate and household registration book.
③ Quarterly repayment: interest is calculated after the loan comes down, and the mortgage products with equal principal and interest are repaid in the first quarter.
At the time of signing the contract, the copies of the above materials shall be in triplicate, and the local service outlets shall provide on-site services to assist users in handling the procedures of grid connection and credit granting.
Fourth, the photovoltaic power generation project loan process?
According to the Opinions on Supporting Distributed Photovoltaic Power Generation Financial Services formulated by China Development Bank and National Energy Administration, enterprises and institutions with good credit status and no major bad records and natural persons with full civil liability can apply for bank loans.
● Loan amount, term and repayment method:
According to China's regulations on the capital system of investment projects, users should raise at least 20% of the total investment of the project, and the corresponding proportion of applying for bank loans can reach up to 80%. Referring to the medium-and long-term loans of power projects, according to the actual situation of lenders and projects, the longest loan period of distributed photovoltaic power generation projects can generally reach 15 years.
The repayment method can generally be equal principal and interest or average capital repayment.
● Information required for loan:
Materials that borrowers generally need to prepare when applying for bank loans: identity certificate of natural person, personal assets certificate or business license, articles of association, financial audit report of the last three years, project filing, power grid access approval, land or roof lease agreement, power purchase agreement, energy management contract and other related documents. Generally speaking, before the loan is issued, the project filing, power purchase agreement, energy management contract and other related agreements should be completed.
How to apply for a loan?
The application for photovoltaic loans is mainly divided into three stages, namely, application and review, review and signing of contracts, and loan issuance.
Flow chart of photovoltaic loan
● Application and review
After the project is put on record, the loan application materials shall be submitted to the Municipal Energy Conservation and Emission Reduction Center with the identity certificate of natural person, personal assets certificate or business license, articles of association, financial audit report of the last three years, project filing, power grid access approval, land or roof lease agreement, power purchase agreement, energy management contract and other relevant documents.
After passing the preliminary examination and review by the Municipal Emission Reduction Center, the Municipal Emission Reduction Center will organize the road test and review of the project within 10 working days, and submit the recommendation opinions and related materials to banks and guarantee companies.
Banks and guarantee companies simultaneously carry out guarantee audit work, and banks and district and county finance bureaus provide audit opinions.
● Review and sign the contract.
The guarantee company shall complete the guarantee audit and sign the guarantee contract within 5 working days after receiving the audit opinions and relevant materials from the bank.
The bank shall sign a loan contract with the loan enterprise within 2 working days after receiving the guarantee contract.
● Loan issuance
The bank will allocate the loan by stages according to the progress.
After the project passes the special acceptance of the Municipal Energy Conservation and Emission Reduction Center and goes through the relevant mortgage procedures of the guarantee company, the bank will issue the loan balance.
● Loan model
This model basically takes the future income of power station projects such as electricity charges and subsidies as collateral, and adopts the methods of "zero down payment" and "zero monthly payment". The loan term is 3 years, 5 years, 10 year.