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What are the conditions for the state to grant poverty alleviation loans to poor households? Find a solution
Article 1 In order to effectively strengthen the management of national poverty alleviation funds and improve the efficiency in the use of poverty alleviation funds, according to the Decision of the Central Committee and the State Council on Solving the Problem of Food and Clothing for the Poor People in Rural Areas as soon as possible (Zhong Fa [1996] 12) and the Notice of the State Council on Printing and Distributing the National Poverty Alleviation Plan during the Seventh Five-Year Plan (Guo Fa [199)

Article 2 National poverty alleviation funds refer to the funds specially arranged by the central government to solve the problem of food and clothing for the rural poor and support the economic and social development in poverty-stricken areas, including funds for supporting the development of economically underdeveloped areas, special subsidies for agricultural construction in the "Three Wests", new financial poverty alleviation funds, work-for-work funds and special poverty alleviation loans.

Article 3 National poverty alleviation funds shall be used in accordance with the overall objectives and requirements of poverty alleviation and development, so as to form a joint force and give full play to the overall benefits.

Article 4 All the national poverty alleviation funds must be used for poverty-stricken counties supported by the state, and the poverty-stricken townships, villages and households in poverty-stricken counties are the objects of capital investment, project implementation and benefit. Poverty-stricken townships, villages and households scattered among non-poverty-stricken counties and poverty-stricken counties identified by provinces, autonomous regions and municipalities directly under the Central Government shall be supported by relevant local governments at all levels.

Article 5 The funds for supporting the development of economically underdeveloped areas and newly-increased financial poverty alleviation funds are mainly used to improve the production conditions of agriculture and animal husbandry in poor areas, develop diversified management, build rural roads, popularize compulsory education and eliminate illiteracy, carry out practical technical training for farmers, and prevent and control endemic diseases.

The management and use of the "Three West" agricultural construction special grant funds shall be implemented in accordance with the "Administrative Measures for the Use of the" Three West "agricultural construction special grant funds" formulated by the Ministry of Finance (Cai Nong Zi [1995] 10).

Work-for-relief funds are mainly used for county and township roads (excluding provincial and national highways) and supporting road construction of poverty alleviation and development projects, basic farmland construction (including grassland and fruit forest land), farmland water conservancy construction, and solving the drinking water problem of people and livestock.

The special loan for poverty alleviation will focus on supporting projects with good benefits and strong repayment ability in planting, breeding and processing industries with local agricultural and sideline products as raw materials, and directly solve the problem of food and clothing for the rural poor.

Article 6 Local governments at all levels shall, according to needs and possibilities, increase investment in poverty alleviation. All provinces, autonomous regions and municipalities directly under the central government should invest 30% to 50% of the total poverty alleviation funds in poverty-stricken counties supported by the state according to the level of economic development and financial resources in their respective regions. Among them, the proportion of local matching funds in Shaanxi, Gansu, Ningxia, Qinghai, Xinjiang, Inner Mongolia, Yunnan, Guizhou, Sichuan, Chongqing, Tibet, Guangxi 12 provinces, autonomous regions and municipalities directly under the Central Government should reach 30% to 40%; The proportion of local matching funds in Heilongjiang, Jilin, Hebei, Henan, Shanxi, Hubei, Hunan, Jiangxi, Anhui, Hainan and other provinces 10 should reach 40% to 50%.

If the local matching funds fail to reach the proportion specified in the preceding paragraph, the central government will reduce the amount of national poverty alleviation funds invested by the provinces, autonomous regions and municipalities directly under the Central Government in proportion next year; The reduced national poverty alleviation funds are allocated to provinces, autonomous regions and municipalities directly under the central government that have reached the prescribed proportion.

Article 7 The basic basis for the allocation of national poverty alleviation funds is: the number and degree of poverty-stricken people in each province, autonomous region and municipality directly under the Central Government this year, the efficiency of the use of poverty alleviation funds, and the proportion of local matching funds. The Ministry of Finance, the State Planning Commission and the Agricultural Development Bank of China respectively put forward preliminary opinions on the arrangement of various poverty alleviation funds for the next year, and put forward a unified distribution plan after being summarized and balanced by the Office of the Leading Group for Poverty Alleviation and Development of the State Council. It will be reported to the leading group for poverty alleviation and development of the State Council for approval at the end of the year and notified to the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government. The relevant poverty alleviation fund management departments shall, according to the unified distribution plan, timely issue specific plans and allocate funds according to procedures.

Article 8 The specific annual plan for supporting development funds and increasing financial poverty alleviation funds in economically underdeveloped areas shall be issued by the Ministry of Finance before the end of March of that year, and all funds shall be allocated to provinces, autonomous regions and municipalities directly under the Central Government before the end of June.

The specific plan of annual work-for-relief funds shall be issued by the State Planning Commission and the Ministry of Finance before the end of March of that year, and all funds shall be allocated to all provinces, autonomous regions and municipalities directly under the Central Government before the end of June.

The specific plan of the annual special poverty alleviation loan will be reached by the Agricultural Development Bank of China at the beginning of the year to branches of all provinces, autonomous regions and municipalities directly under the Central Government, and all plans will be implemented in the project before the end of March, and funds will be allocated in time according to the progress of the project.

Article 9 The people's governments of provinces, autonomous regions and municipalities directly under the Central Government shall make unified arrangements for the use of poverty alleviation funds issued by the state, and the leading bodies for poverty alleviation and development at the same level shall be specifically responsible for organizing relevant departments to plan and implement projects, and urging all funds to be in place in full and on time. Poverty-stricken counties supported by the state should do a good job in the preliminary work of poverty alleviation and development projects as soon as possible, and funds and other projects are not allowed.

Article 10 The implementation of poverty alleviation projects should target poor households, aim at solving the problem of food and clothing, take industries that can directly increase the income of poor households as the main content, and make unified planning, unified evaluation, one-time examination and approval, annual implementation and phased investment according to the poverty-stricken areas that are concentrated and contiguous. Projects using special loans for poverty alleviation should be examined and demonstrated by relevant banks in advance.

Before the end of each year 10, the county-level poverty alleviation and development office will put forward the poverty alleviation loan intention project plan for the next year according to the one hundred and fifty% of the poverty alleviation loan plan of that year, and make preparations for selecting the best options in advance.

Eleventh the establishment of comprehensive assessment indicators, the implementation of strict responsibility system for the use of poverty alleviation loans. All provinces, autonomous regions, and municipalities directly under the Central Government shall co-ordinate and lead the poverty alleviation and development work, uniformly arrange and issue plans to revitalize the stock of poverty alleviation loans every year, and link the completion of the plans with the issuance of new poverty alleviation loans. Poverty alleviation and development offices at all levels should actively support and assist relevant banks to complete the approved indicators of the highest proportion and recovery rate of loans due in loans overdue, and strive to revitalize the loan stock. The revitalized stock of poverty alleviation loans shall be uniformly arranged and used by the leading institutions for poverty alleviation and development of provinces, autonomous regions and municipalities directly under the Central Government in accordance with the provisions of Articles 4 and 5 of these Measures.

Twelfth establish and improve the inspection and supervision system of poverty alleviation funds. The central and local departments concerned, especially the poverty alleviation fund management departments, should regularly check the use of poverty alleviation funds. If the poverty alleviation funds can't be put in place on time, the matching funds can't reach the prescribed proportion, and the investment does not meet the requirements, it should be corrected in time. At the same time, local people's governments at all levels should organize relevant social parties to strengthen supervision and combine administrative supervision, mass supervision and public opinion supervision.

Thirteenth audit departments at all levels shall, in accordance with relevant laws and regulations, conduct special audits on the use of poverty alleviation funds, and take the audit of poverty alleviation funds as an important content, and incorporate it into daily work to form a system. Where the transfer, misappropriation, arrears, misappropriation of poverty alleviation funds, must be fully recovered, and shall be investigated for legal responsibility according to law; Those who misappropriate poverty alleviation funds shall be investigated for criminal responsibility according to law. Poverty alleviation and development offices and poverty alleviation fund management departments at all levels shall actively cooperate with audit departments to audit the use of poverty alleviation funds.

Fourteenth relevant poverty alleviation fund management departments shall formulate specific management measures according to the principles determined in these Measures. All provinces, autonomous regions and municipalities directly under the central government may, in accordance with these measures and in light of local actual conditions, formulate detailed rules for implementation.

Article 15 These Measures shall come into force as of 1 August 19971day.