Special loans for precision poverty alleviation can be used for the production and operation of poor households, such as planting, breeding, agricultural products processing, transportation, commercial circulation, farmhouse restaurants and so on. The specific development industries such as marriage and housing construction are determined by the guidance of towns and villages, and the use of loans by rural cooperative organizations is determined independently according to their respective industrial types.

Article 34 of People's Republic of China (PRC) Commercial Bank Law

According to the needs of national economic and social development, commercial banks carry out loan business under the guidance of national industrial policies.

Article 35

Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Do you need to pay back the precise poverty alleviation loan?

Do you need to pay back the precise poverty alleviation loan?

Need to pay back!

You can apply for interest-free repayment at the local and bank.

Apply for use

Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

application for insurance

Poor households apply for direct loans from poor households.

Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).

Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Application conditions

He is between 18 and 60 years old, has a fixed residence and has full capacity for civil conduct;

Hold valid identity documents, have repayment ability, and have no bad credit record;

Production and business activities are in line with national laws, regulations and industrial policies;

Have the willingness to lend and the ability to develop independently;

Capable people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty;

Lenders need to sign an agreement with poor households, village committees, towns and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of loans;

Is precision poverty alleviation a loan? Do you need to return it?

The annual interest rate is around 3%.

I. Purpose of application

Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

Second, the application method

1, poor households apply for direct loans from poor households.

2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).

3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Third, the application conditions

1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty;

6. The lender needs to sign an agreement with poor households, village committees, towns and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan;

Consult your local bank for details!

Do you need a marriage certificate for precision poverty alleviation loans?

You don't need a marriage certificate, just a certificate issued by the village Committee or the street.

Is it still possible to repair a house with a precise poverty alleviation loan?

Accurate poverty alleviation is the symmetry of extensive poverty alleviation, and it is a poverty alleviation method that uses scientific and effective programs to accurately identify, help and manage the poverty-stricken objects according to the environment of different poverty-stricken areas and the situation of different poor farmers. Generally speaking, precision poverty alleviation is mainly aimed at poor residents, and whoever is poor will be supported.

20 16 is there a loan index for precision poverty alleviation?

The "Half-monthly Talks on Reform Trends" issued by the Economic System Reform Department of the National Development and Reform Commission (20 165438+ 10/6-30 in 2005) shows that the central poverty alleviation and development conference held on 20 165438+27-28 in 2005. According to the specific conditions of poor areas and poor people, the "five batches" project will be implemented. First, develop a batch of production to get rid of poverty, guide and support all people who have the ability to work to create a better tomorrow with their own hands, and realize poverty alleviation on the spot based on local resources. Second, we need to resettle a group of people out of poverty. If it is difficult for the poor people to get rid of poverty on the spot, they should be resettled in different places and implemented in a planned, year-by-year and planned way to ensure that they can move out, stay and get rich. The third is to give a batch of ecological compensation to help poor people get rid of poverty, increase ecological protection and restoration in poor areas, increase transfer payments to key ecological functional areas, and expand the scope of policy implementation, so that poor people who have the ability to work can be converted into ecological protection personnel such as forest guards on the spot. Fourth, develop education to get rid of poverty, treat the poor first and help the poor first. National education funds should continue to be tilted towards poor areas, basic education and vocational education, help poor areas improve school conditions, and give special care to children of poor families in rural areas, especially those left behind. Fifth, social security covers the poor who have partially or completely lost their ability to work, coordinating rural poverty alleviation standards and rural minimum living standards, and increasing other forms of social assistance. Strengthen medical insurance and medical assistance, and the new rural cooperative medical care and serious illness insurance policies should be tilted towards the poor. We should attach great importance to poverty alleviation in the old revolutionary base areas.

Ningdu county jingzhun poverty alleviation loan

The main measures put forward in the "Program" to solve the problem of poor people's loan difficulties and high loans include establishing a loan risk compensation fund for poor households, improving the loan discount policy, promoting insurance, and developing mutual funds for poverty alleviation.

Among them, the loan risk compensation fund for poor households is established by all levels and financial institutions at a ratio of 7: 3 year by year according to about 30% of the loan amount, and the loan risk compensation fund for each poverty-stricken county reaches more than 65.438+million yuan. In case of loan loss, the financial institution shall bear it at the ratio of 7: 3.

In order to standardize the loan discount policy for poor households, the "Proposal" requires the integration of various financial discount policies to households, and the poverty alleviation microfinance for poor households is fully subsidized at the benchmark interest rate. The annual interest settlement and discount will be implemented for loans from poor households, with the maximum discount period of 3 years, and no discount will be given for overdue loan interest and penalty interest arising from default behaviors such as non-timely repayment.

The precise poverty alleviation loan has been repaid, can it be renewed?

Yes, you can. Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

Precision poverty alleviation loan application method:

1, poor households apply for direct loans from poor households;

2. Poor households apply for loans from poor households, and poor households give money to large households, and sign dividend agreements with large households;

3. Poor households apply for loans from large households, but large households must sign development-driven or dividend-sharing agreements with poor households;

Application conditions for precision poverty alleviation loans:

1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

5. Capable people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich to increase their income and get rid of poverty;

6. Lenders need to sign an agreement with poor households, village committees, towns and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of loans.

Why did the precision poverty alleviation loan stop?

How can we stop now? Precision poverty alleviation loan is a ten-year development plan, only a few years.

The General Office of the Central Committee and the General Office of the State Council issued "Opinions on Promoting Poverty Alleviation and Development in Rural Areas through Innovative Mechanisms", which made strategic innovative arrangements for poverty alleviation and development in China.

The Opinions put forward that eliminating poverty, improving people's livelihood and achieving common prosperity are the essential requirements of socialism. The most arduous and arduous task of building a well-off society in an all-round way is in rural areas, especially in poverty-stricken areas. To achieve the goals set forth in the Outline of Poverty Alleviation and Development in Rural Areas of China (20 1 1-2020), we must thoroughly implement the spirit of the 18th National Congress of the Communist Party of China and the Second and Third Plenary Sessions of the 18th National Congress, fully implement a series of important instructions of the General Secretary and other comrades on poverty alleviation and development, further enhance the sense of responsibility and urgency, effectively put poverty alleviation and development in a more important and prominent position, and strive to eliminate institutional mechanisms with reform and innovation as the driving force. Enhance endogenous motivation and development vitality, increase support, concentrate on solving outstanding problems, and accelerate the pace of poverty alleviation and building a well-off society in an all-round way in poverty-stricken areas.

What should I do if I can't afford the accurate poverty alleviation loan?

1. The rural commercial bank has made the interest rate of this precise poverty alleviation loan very low. If it can't afford it, it will be fined according to the regulations.

2. However, the reality is that in order to expand market share, rural commercial banks often reach private consultations with loan users, avoid late fees and part of interest, and simply replace the principal.

It is very troublesome for banks to go to court with debtors. Rural commercial banks generally have specialized personnel to handle it, which takes a long time. If you really don't pay it back, the lawsuit will be lost sooner or later. If you are blacklisted, you will be in trouble. You can't use any bank cards in the future.

You can talk to the bank and try to postpone the date.

Tianshui jingzhun poverty alleviation loan

Conditions for handling loans:

1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

Excuse me, can I get a loan for poverty alleviation?

Yes, the specific method is as follows.

Accurate poverty alleviation is the symmetry of extensive poverty alleviation, and it is a way to accurately identify, help and manage the poverty-stricken objects by using scientific and effective procedures according to the environment of different poverty-stricken areas and the conditions of different poor farmers. Generally speaking, precision poverty alleviation is mainly aimed at poor residents, and whoever is poor will be supported.

I. Purpose of application

Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

Second, the application method

1, poor households apply for direct loans from poor households.

2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).

3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Third, the application conditions

1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty;

6. The lender shall sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan;

Consult your local bank for details!

The introduction of industrial precision poverty alleviation loans ends here.