1. What is agriculture-related loans
Agriculture-related loans refer to loans counted in the Special Statistical System for Agriculture-related Loans (Yinfa [27] No.246).
farmers' loans refer to all loans granted by financial enterprises to farmers. The judgment of farmers' loans should be based on whether the subject of loans at the time of loan issuance belongs to farmers. Farmers refer to those who have lived in the administrative areas of towns (excluding Chengguan Town) for a long time (more than one year), and also include those who have lived in the administrative villages under the jurisdiction of Chengguan Town for a long time and those whose household registration is not local but have lived in the local area for more than one year, employees of state-owned farms and rural individual industrial and commercial households.
collective households of state-owned economic organs, organizations, schools, enterprises and institutions located in the administrative areas of townships (excluding Chengguan Town) and within the administrative villages under the jurisdiction of Chengguan Town; Households with local hukou who have gone out with their families to earn a living for more than one year are not farmers, regardless of whether they retain contracted farmland. Taking households as statistical units, farmers can engage in both agricultural production and management and non-agricultural production and management.
second, are the loans issued by state-level economic and technological development zones not agricultural loans?
they are not agricultural loans. Loans from state-level economic and technological development zones are mainly used to support the development of enterprises, not agricultural loans. Agriculture-related loans are loans issued by financial institutions specifically for individual farmers or rural social organizations, especially farmers as borrowers.
third, does discount count as agricultural loans?
No, discounting refers to the behavior that the holder of the forward bill transfers it in the discount market before the bill expires after it is accepted, and the transferee pays the money to the transferor after deducting the discount interest, or the bank purchases the unexpired bill.
fourth, is there a difference between agricultural loans and agricultural loans?
first of all, conceptually, re-lending for supporting agriculture is a loan granted by the People's Bank of China to various rural banking financial institutions, which are used by banking financial institutions to grant agricultural loans to rural areas, agriculture and farmers. Poverty alleviation re-loan is included in the re-loan for supporting agriculture, which is the liquidity support provided by the People's Bank of China to support banking financial institutions in poverty-stricken areas to issue poverty alleviation loans. Because China's rural areas are relatively backward and basically belong to poor areas, but agriculture-related projects are not necessarily poverty alleviation projects, so the scope of poverty alleviation refinancing is smaller than that of agriculture-supporting refinancing. Secondly, from the perspective of policy implementation, the interest rate and extension times of poverty alleviation refinancing are better than those of agriculture-supporting refinancing, which can improve the cost control and long-term funding sources of banking financial institutions during the period of poverty alleviation and have relatively stable liquidity. Finally, from the distribution target, poverty alleviation refinancing is more accurate. Re-loan for supporting agriculture refers to the re-loan for agriculture, rural areas and farmers by banking financial institutions after obtaining it from the People's Bank of China, while the re-loan for poverty alleviation refers to the re-loan for poverty-stricken areas, key counties for poverty alleviation and development, poverty alleviation projects and other poverty alleviation policies.