The specific requirements are as follows: Farmers who meet the following conditions can apply for poverty alleviation loans in contiguous poverty-stricken areas, national poverty alleviation and development key counties, provincial poverty alleviation and development key counties, registered poor households confirmed by poverty alleviation departments, and leading agricultural industrialization enterprises that are not included in the above scope. Enterprise poverty alleviation loans are used to support commercial activities such as commodity processing, e-commerce and rural tourism. In addition, there must be a good credit record and proof of strength. The degree of poverty alleviation by farmers' entrepreneurship is determined according to the actual needs of poor farmers who have established a file. The loan amount for each household is1-50,000 yuan (including 50,000 yuan). The loan term is 1-3 years (including 3 years), and the loan can be repaid in advance. Poor households can borrow 6.5438+0 million yuan at a time, large industrial development households can borrow 6.5438+0 million yuan at a time, and poverty alleviation departments give 5% discount every year; The loan amount of leading enterprises in poverty alleviation is discounted at 3% per year. There is a discount period.

2. Can poor households borrow 50,000 yuan?

Yes, the state has poverty alleviation loans for poor households. You can borrow up to 50 thousand. You can go to the poverty alleviation office to find out.

First, the purpose of applying for accurate poverty alleviation loans

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 of precision poverty alleviation loans

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 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. 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;

7. If the lender is an enterprise legal person, its legal representative must have legal and valid certificates such as business license, organization code certificate, tax registration certificate and production and operation license. Except for the aforementioned condition 1 to 4.

Fourth, the amount and duration of applying for precise poverty alleviation loans.

1. The loan amount of poor households is determined according to their respective needs (in principle, it is calculated according to the loan amount of 1 0,000 yuan per person), and the application is made on a household basis. The amount of each household is controlled below 50,000 yuan (inclusive), and the loan period is determined according to the borrower's loan purpose, and the loan period is less than 3 years.

2. The loan amount and term of wealthy and capable people, rural cooperative organizations and leading enterprises shall be comprehensively examined and determined by the town government according to the number of poor households driven by their assistance. In principle, the loan amount shall not exceed the sum of the needs of poor households driven by the loan amount, and the longest loan period shall not exceed 3 years.

5. Expected annualized interest rate and discount for applying for precise poverty alleviation loans.

The expected annualized interest rate of the loan is based on the benchmark expected annualized interest rate of the People's Bank of China in the same period. The loans of poor households are settled and discounted every year, and the interest generated by the lender during the loan period applies to the Provincial Department of Finance for full discount. The interest settlement date is 65438+ February 20th every year. Interest discount adopts the principle of "receiving first and then posting". The overdue loan interest and penalty interest caused by the lender's failure to repay the loan on time shall not be subsidized.

3. What are the conditions for poverty alleviation loans?

1. The applicant must be a citizen of China with full capacity for civil conduct and have a fixed residence, aged between 18 and 60. 2. In addition, the applicant must have repayment ability, no bad credit record, loan willingness and independent development ability. Three, engaged in production and business activities in line with national laws, regulations and industrial policies, can drive poor farmers who lack the ability to get rich to increase their income and get rid of poverty. 4. Lenders should sign poverty alleviation agreements with village committees, town governments and competent departments. Lenders should be rural cooperative organizations or leading enterprises that can promote economic development. V. As an enterprise legal person, the lender must have valid certificates such as business license, organization code certificate, tax registration certificate and production license. Generally speaking, the above conditions are all conditions that users must meet. If they are not met one day, they will not be able to apply for the corresponding loan. Poverty alleviation loans are mostly interest-free loans or poverty alleviation loan projects. Generally, there are many projects linked to the government, such as student loans for college students and national poverty alleviation and disaster relief projects. Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Microfinance: 1. Review risks. The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. 2. The legal content of pre-loan investigation. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender. With regard to the guarantee, for the guarantor, the qualification, reputation and performance ability of the guarantor should be investigated. 3. The borrower and its responsible person shall also be specially examined. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives and key management personnel of enterprises, including chairman, general manager, factory director and manager gambling, drug abuse, whoring and keeping mistresses. Frequent access to dance halls and saunas, excessive handling of weddings, funerals and celebrations, purchase of luxury cars disproportionate to their economic strength, frequent rental of luxury hotels, etc. must be strictly controlled.

Four, what conditions can apply for poverty alleviation loans?

Those with poor family conditions can apply.