What is the loan policy for the rural planting industry in 2017?

In order to support agricultural development, the country has announced a series of policies. How about the loan policy for the rural planting industry? The following is my careful review Let’s take a look at the 2017 rural planting industry loan policy compiled for you.

2017 Rural Planting Industry Loan Policy

Loan banks: Agricultural Bank of China, Postal Savings Bank, credit unions and other types of commercial banks.

Taking rural credit cooperatives as an example, farmers can apply directly to rural credit cooperatives with a "Loan Certificate" and a valid identity document. When rural credit cooperatives receive a loan application, they must review the purpose and amount of the loan. Generally, the amount is controlled within 50,000 to 100,000 yuan, and the specific amount varies from place to place.

Credit unions also have joint guarantee loans for farmers. Three to five farmers form a joint guarantee group to guarantee each other's loans. The loan limit with joint guarantee is relatively higher than the personal credit loan limit.

Notes

According to current regulations, there are only loans for agricultural production expenses such as planting and breeding; loans for agricultural machinery; loans for pre-production, mid-production and post-production services in agriculture and purchase and living expenses Only consumer loans such as supplies, house construction, medical treatment, and children's schooling can use farmers' small credit loans.

Cooperative loans

Loans to farmers' professional cooperatives and their members can apply preferential interest rates, and the specific preferential range is determined by each locality based on local conditions.

Cooperative loan conditions:

Approved and registered by the industrial and commercial administration department, obtained a legal person business license for farmers' professional cooperatives; has a fixed production and operation service place, and engages in the activities stipulated in the articles of association of farmers' professional cooperatives in accordance with the law Production, operation, service and other activities; have a sound organizational structure and financial management system, and be able to submit relevant materials to rural credit cooperatives on time; open a deposit account in the bank where the loan is applied for, and voluntarily accept credit supervision and settlement supervision; have no non-performing loans and interest arrears; other conditions specified by the bank.

Family Farm Loans

The Agricultural Bank of China’s loan limit for family farms is up to 10 million yuan. In addition to meeting the needs for working capital such as purchasing agricultural production materials, it can also be used for the construction of farmland infrastructure and Pay the land transfer fee and the loan term can be up to 5 years.

What forms of mortgage or guarantee are there?

In response to the difficulty of guaranteeing in rural areas, the Agricultural Bank of China has innovated agricultural machinery mortgages, agricultural and sideline product mortgages, forest rights mortgages, new rural property rights mortgages, Guarantee methods such as "corporate farmer" guarantee and professional cooperative guarantee are also allowed to issue credit loans to qualified customers.

Mortgage loan of land management rights

Mortgage loan of rural land contract management rights refers to a loan in which farmers or cooperatives apply for a mortgage of their legal rural land contract management rights from financial institutions.

Documents required for land loans

Identity certificate or other certification materials; land management right ownership certification materials; rural land management right mortgage registration application form; rural land management right mortgage registration certificate; land management right mortgage commitment letter; mortgage loan application form; other materials required by the bank.

General process of land loan

Loan application → Loan investigation → Loan review and approval → Signing of mortgage loan contract → Handling mortgage registration procedures → Loan issuance → Post-loan inspection → Loan return.

Forest rights mortgage loans

When a lender carries out forest rights mortgage loan business, it is necessary to establish a mortgage property value evaluation system and evaluate the value of the mortgaged forest rights. For forest rights mortgage loan projects with a loan amount of less than 300,000 yuan, the lender must make its own assessment with reference to local market prices and shall not charge assessment fees from the borrower.

The mortgage loan procedure is as follows:

1. The right holder submits a new version of the "Forest Rights Certificate"

2. The right holder submits a written mortgage application (including basic personal information) , forest rights situation, loan amount, financial credit certificate, etc.)

3. If the right holder is an individual, submit a copy of the personal ID card; if the right holder is an organization, submit a copy of the legal person ID card and a copy of the unit qualification certificate

4. The township forestry station signs the preliminary review opinions on the written mortgage application

5. The county forestry planning survey and design team conducts on-site assessment and produces an assessment report

6. Provide a loan agreement from the financial department

7. The financial department provides a copy of the unit registration and a copy of the legal person's ID card

8. Pay fees and apply for other warrants

Rural housing mortgage loans

This year, the central government will release a national guidance document for rural housing mortgage loans, so it has attracted much attention. Recently, Liuyang, Hunan Province officially launched a pilot reform of rural housing mortgage financing.

Rural house mortgage loan process

The lender obtains the farm property ownership certificate - submits a loan application to the rural commercial bank - both parties confirm the property value on site - signs a mortgage contract - the village committee Proof of consent to the registration of house mortgage on collective land - registration of house mortgage rights - loan issuance.

Agricultural mortgage loan amount

Rural commercial banks refer to the market value and liquidity of the mortgage to determine the loan mortgage rate, which is generally 50-70% of the assessed value of the mortgaged property; the loan term Mainly short-term (within one year), the interest rate is determined based on the credit rating and operating conditions of the borrower. It is generally 50% higher than the base interest rate, and may be appropriately lowered for particularly high-quality customers.

Tax exemption policy for rural planting and breeding

1. Income from agriculture, forestry, animal husbandry and fishery projects can be exempted or reduced from corporate income tax.

__(1) Enterprises’ income from the following items is exempt from corporate income tax:

__1. Vegetables, grains, potatoes, oils, beans, cotton, hemp, sugar Cultivation of materials, fruits, and nuts;

__2. Breeding of new crop varieties;

__3. Cultivation of Chinese medicinal materials;

__4. Cultivation of forest trees and planting;

__5. Raising of livestock and poultry;

__6. Collection of forest products;

__7. Irrigation, primary processing of agricultural products, veterinary medicine, agriculture Technology extension, agricultural machinery operation and maintenance and other agricultural, forestry, animal husbandry and fishery service industry projects;

__8. Ocean fishing.

__(2) Corporate income tax will be levied at a half reduction on the income of enterprises engaged in the following projects:

__1. Cultivation of flowers, tea and other beverage crops and spice crops;

__2. Marine aquaculture and inland aquaculture.

__2. Preferential policies for personal income tax

__(1) Individuals or individual industrial and commercial households are engaged in planting, breeding, breeding and fishing and the business projects are agricultural taxes (including If the income from the above-mentioned "four industries" is within the tax scope of agricultural and forestry special product tax) and animal husbandry tax, personal income tax will not be levied for the time being. (Guo Shui Fa [2004] No. 13)

__(2) Personal income tax is temporarily not levied on the income obtained by farmers who enter various markets to sell self-produced agricultural products. For operators in the market and the agricultural products they operate, if the tax authorities have no evidence to prove that the seller is not a "farmer" and is not selling "self-produced agricultural products", the policy of "farmers selling self-produced agricultural products" will be followed. (Guo Shui Fa [2004] No. 13)

__(3) In the process of land acquisition, the income from young crop compensation fees paid by the land acquisition unit to the land contractor is temporarily exempt from personal income tax. (Guo Shui Han [1997] No. 87)

__3. Other local tax preferential policies

__(1) Professional land directly used for planting, breeding, and breeding. Exemption from land use tax. "Interim Regulations of the People's Republic of China on Land Use Tax"

__(2) No real estate tax or land use tax will be levied on land used for agriculture, forestry, animal husbandry and fishery and houses and land used for farmers' residences.

(Guo Shui Fa [1999] No. 44)

__(3) Land that has been approved for land reclamation and renovated abandoned land will be exempted from paying land use tax for 5-10 years starting from the month of use. "Decision of the State Council on Amending the Interim Regulations of the People's Republic of China on Urban Land Use Tax"

__(4) Units and individuals operating picking and sightseeing agriculture within the scope of urban land use tax collection , the land that is directly used for planting, breeding, and raising for picking and sightseeing, according to Article 6 of the "Interim Regulations of the People's Republic of China on Urban Land Use Tax" "is directly used for the production of agriculture, forestry, animal husbandry, and fishery" "land use" provisions and are exempt from urban land use tax. (Finance and Taxation [2006] No. 186)

__(5) Exemption from vehicle and vessel tax: Tractors; fishing and breeding fishing vessels; "Interim Regulations of the People's Republic of China and the State on Vehicle and Vessel Tax"

< p> __(6) When rural residents occupy farmland to build new residences, farmland occupation tax will be levied at half the local applicable tax rate. "Interim Regulations on Cultivated Land Occupation Tax"

__(7) Newly requisitioned cultivated land will be exempt from land use tax within one year from the date of approval of requisition. "Interim Regulations on Farmland Occupation Tax"

__(8) Stamp tax shall be exempted from the purchase and sale contracts of agricultural products and agricultural production materials signed by farmers' professional cooperatives and their members. (Finance and Taxation [2008] No. 81)

__(9) Agricultural and forestry crops, animal husbandry and livestock insurance contracts are exempt from stamp duty

Crops suitable for rural cultivation

1. Platycodon

Platycodon looks delicious, and its output is also high. The currency output per mu is 500-600 kilograms. In the past two years, the market price has increased to 31-37 yuan/kg.

2. Astragalus

The output is 300-400 kilograms, and the current market price is 20-22 yuan/kg. Although the price is not particularly high among medicinal materials, the yield is high and it is easy to sell. Ah, the supply of high-quality products is even tighter.

3. Honeysuckle

Honeysuckle is the king of medicines. I won’t go into details about its efficacy. Let’s talk about its output and price. The output is about 100-200 kilograms. Due to serious shortages in recent years, the price is constantly rising. The current market price is 50-100 yuan/kg. The price difference is relatively large due to different production areas.

4. Pinellia ternata

The output of Pinellia ternata is still acceptable, and the price is stable. The output is 200-300 kg, and the current market price is 89-120 yuan/kg. However, it also has certain shortcomings, and its production and mining are relatively inconvenient.

5. Danpi

Can I apply for a loan to start a breeding business? What are the requirements?

2015 Breeding Industry Interest-free Loan Policy\\Loans under the Rural Breeding Industry Loan Policy must be committed or guaranteed by the local government. The so-called interest-free loans for the rural breeding industry are subsidized loans. It does not mean that no interest is paid, but that the government encourages and supports the development of a certain local project and solves the funding problem. The relevant government departments have promised to the banks: to share the burden for farmers or directly help them. Bank loan interest rate loan. The maximum amount of aquaculture loans is determined through negotiation between the local government and the bank and is based on the loan method adopted. General credit loans are within 50,000 yuan, guarantees are within 100,000 yuan, and mortgages are capped based on the value of the collateral. However, credit loans are difficult to be adopted by banks. For example, the government subsidizes the interest on pig-raising loans. If there is a shortage of funds for the large-scale development of pollution-free pig breeding, the government can provide loan support. For secondary propagation farms that meet construction standards, each farm can receive a loan of 300,000 yuan, with the district finance responsible for a 5% interest discount for 2 years. Large households that raise more than 5 miscellaneous sows and produce more than 100 commercial pigs annually can get a loan of 30,000 yuan, with the district finance responsible for a 5% interest discount for one year. For large-scale breeding farms that produce more than 1,000 animals per year, each farm can receive a loan of 300,000 yuan, with the district finance responsible for a 5% interest discount for one year. \What are the application procedures for aquaculture industry loans? Loan application: You should fill in the "Aquaculture Industry Loan Application Form" and submit a copy of your ID card, marriage certificate, three (five) joint insured households or guarantor and other relevant information. Loan investigation: The lending bank can investigate the borrower's information and repayment ability, verify the guarantor's guarantee ability and credit status; and conduct on-site investigations on the property rights, geographical location, liquidity, etc. of the mortgage, put forward investigation opinions, and send them to the borrower. Submit loan review.

Loan review: The lending bank will verify the relevant procedures of the borrower, determine the effectiveness of the loan and the reliability of repayment of principal and interest, and then put forward opinions on whether to lend or not, and propose the loan method, amount, term interest rate, repayment Suggestions on methods and other methods shall be submitted to the loan review committee for approval. Loan approval: Based on the investigation and review opinions, the lending bank makes the final decision on whether to lend and the loan method, amount, term, interest rate, and repayment method. . Sign a contract: If you agree to grant a loan, the lender and the borrower will sign a loan contract face to face. (Note: Both the borrower and his wife must be present to sign.) Loan issuance: The lending bank will issue a loan to the borrower within the period specified in the contract, and transfer the loan to the borrower's deposit account or credit card account opened in the bank. . Post-loan management: The loan officer will go to the site at least once or twice a month to strictly review the loan usage and whether the guarantor's assets are still there. \Aquaculture industry interest-free loan loan amount\The minimum applied aquaculture industry interest-free loan amount is 1,000 yuan, and the maximum does not exceed 50% of the total price of the aquaculture species;\Loan period\The application period for an aquaculture industry interest-free loan shall not exceed 3 years;\ Breeding industry interest-free loan loan interest rate\Because it enjoys certain national policies, the loan interest rate of breeding industry loans is not higher than the benchmark interest rate stipulated by the state. \Generally, applying for a breeding industry loan requires meeting the following conditions: having a fixed residence in the local area and living there for more than one year; being able to provide legal and valid identity certificates and residence certificates; being over 18 years old, and the age plus the loan period does not exceed 65 years old;, good health, with full capacity for civil conduct;, having breeding equipment and breeding sites of a certain scale, and at least two years of breeding experience;, no bad credit record;, and other conditions required by the lending institution.

Is it good to get a loan for raising laying hens in 2017?

Based on the current laying hen market, it is not recommended that farmers get loans (you can borrow a small amount) and don’t take out a lot of loans. Laying hen breeding experts from Wuhan Huamu Intelligent Equipment reminded that since the breeding market has been very bad at the beginning of the year, it is not recommended for farmers to restock the flocks.

How to get a loan for breeding?

Nowadays, the state provides subsidies for the breeding industry, and you can also apply for an interest-free loan at the local county civil affairs bureau.

Currently, countries applying for breeding industry loans will provide certain support and assistance, and applicants can enjoy certain preferential loan interest rates.

1 The conditions for applying for a breeding industry loan require that the applicant be between 18 and 65 years old, have lived locally for more than one year, and have a valid identity certificate. At the same time, it is required that the breeders are in good health, have legal breeding procedures, have a certain breeding scale and breeding site, and have at least 2 years of breeding experience. In addition, the applicant has a good personal credit record and good repayment ability.

2 The minimum amount of the loan applied for for the breeding industry is 1,000 yuan, and the maximum does not exceed 50% of the total price of the breeding species;

3 The application time shall not exceed 3 years.

How to apply for a breeding loan

After meeting the conditions for a breeding loan, you can apply for a breeding loan from banks such as Bank of China and Agricultural Bank of China. Breeding loans mainly provide financing services to high-quality self-employed individuals engaged in agriculture, forestry, animal husbandry, fishery and related downstream industries.

Application conditions for breeding loans:

1. Aged 18 years or above (inclusive), and the sum of age and loan period when applying for a loan shall not exceed 60 years (inclusive) , have a fixed residence in a rural area, be in good health, have full civil capacity and labor capacity, and hold a valid identity document.

2. It complies with the "Management Measures for the Credit Rating of Applicants for "Three Rural Areas and Rural Areas"", and the applicant's credit rating result is good or above.

3. Have a stable source of income and the ability to repay credit on schedule.

4. The production and business activities engaged in are compliant with laws and regulations and comply with national industry, industry and environmental protection policies.

5. Provide legal, effective and sufficient guarantee.

6. The borrower and his/her spouse have good credit records. There are no overdue loans or malicious credit card overdrafts that have not been repaid when applying for the loan, and there are no overdrafts for more than 90 consecutive days (inclusive) in the last 24 months. Or there are more than 6 overdue records in total.

Applicants need to provide the original and copy of their ID card, certificate of guarantee, business license (if any) and other materials to Bank of China, Agricultural Bank of China and other banks.

Can any bank get a loan for breeding in 2017?

No, it is best to consult with the local rural credit cooperative.

Conditions for applying for loan business:

1. Natural persons aged 18-65 years old;

2. The actual age of the borrower plus the loan application period do not Should be over 70 years old;

3. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

4. Have good credit and no bad records;

< p>5. Other conditions specified by the bank.