According to the Notice of the General Office of the People's Government of Gansu Province on Adjusting and Perfecting the Policy of Special Loans for Precise Poverty Alleviation, if there is repayment ability and no loan demand, the principal will be recovered and the loan contract will be terminated after maturity.

For poor households or poverty-stricken households with willingness to repay, good credit, employment and entrepreneurial potential and skills, and loan funds for production and operation, but it is still difficult to return them in full at one time, repayment by installments will be adopted. The specific measures shall be determined by the county government and the loan bank through consultation.

For idle or unused bank loans, over-age unqualified loans, five-guarantee households, one or two low-guarantee households, loans with bad credit records, and unproductive expenditure loans, after the loan expires, farmers will be guided to return them on schedule by publicizing the loan policy and carrying out in-depth and meticulous work.

For poor households or poverty-stricken households who are temporarily unable to repay, but have good credit, willingness to continue lending, employment and entrepreneurial potential and skills, and the loan funds are used for production and operation, the county and township governments will organize farmers to re-register and confirm, and the loan banks will renew their loans. According to the actual situation of farmers, reasonably determine the installment repayment method to reduce the pressure of one-time full repayment.

Extended data:

Take Gansu Province as an example, the interest-free loan for poverty alleviation given by the government needs to be returned after it expires.

According to the notice of Gansu Provincial Department of Finance, Provincial Poverty Alleviation Office, Lanzhou Central Sub-branch of the People's Bank of China and Gansu Banking Regulatory Bureau, after the loans intensively used by rural economic organizations expire, according to the requirements of the State Council Poverty Alleviation Office that poverty alleviation micro-loans are strictly prohibited as household loans, rural economic organizations and farmers will settle the dividend funds, terminate the driving agreement and recover the principal.

If there is still a loan demand, and the driven farmers have the demand for independent use of loans and meet the loan conditions, they shall go through the loan or renewal procedures with reference to the farmers' independent use of loans, sign a loan contract with the bank, and the bank will issue loans. Rural economic organizations have loan demand, which can be recommended by the county government according to the actual situation.

Gansu Provincial People's Government-Notice on Adjusting and Perfecting the Policy of Special Loan for Precise Poverty Alleviation