1, basic introduction of farmers' professional cooperative loans
Farmers' professional cooperative loans refer to loans issued by rural credit cooperatives to farmers' professional cooperatives and their members within their jurisdiction. "Farmers' professional cooperatives" refers to farmers' professional cooperatives approved and registered by the administrative department for industry and commerce in accordance with the provisions of the Law of People's Republic of China (PRC) on Farmers' Professional Cooperatives. According to the characteristics of the organization form and management level of farmers' professional cooperatives, the loan method of "suitable for the society, suitable for the households" is adopted.
2. Loan conditions
Conditions for cooperatives to lend to credit cooperatives
Farmers' professional cooperatives applying for loans from rural credit cooperatives shall meet the following conditions:
☆ Approved and registered by the administrative department for industry and commerce, and obtained the legal person business license of farmers' professional cooperatives;
☆ Having a fixed place for production, operation and service, and engaging in activities such as production, operation and service stipulated in the articles of association of farmers' professional cooperatives according to law, and the proportion of self-owned funds shall not be less than 30% in principle;
☆ Having a sound organizational structure and financial management system, and being able to submit relevant materials to rural credit cooperatives on time;
☆ Open a deposit account in rural credit cooperatives and accept credit supervision and settlement supervision voluntarily;
☆ The credit rating is above Grade A. It has the ability to repay the principal and interest of the loan, and there are no non-performing loans and interest arrears;
☆ Holding a loan card issued by the People's Bank of China and having passed the yearbook;
☆ Other conditions stipulated by credit cooperatives;
3, cooperative members loan conditions
Loan conditions for members of farmers' professional cooperatives:
☆ A natural person who has reached the age of 18 and has full capacity for civil conduct, labor or business;
☆ The domicile or fixed residence (fixed business place) must be within the service area of the credit cooperative;
☆ Have legal and stable income and the ability to repay the loan principal and interest on schedule;
☆ Opening a deposit account in a credit cooperative;
☆ Credit rating A or above;
☆ Other conditions stipulated by credit cooperatives.
4. Loan amount
The loan amount of farmers' professional cooperatives and their members is reasonably determined according to their credit status, assets and liabilities, comprehensive repayment ability and operating efficiency. In principle, the loan amount of farmers' professional cooperatives shall not exceed 70% of their net assets; In principle, the loan period of farmers' professional cooperatives shall not exceed 1 year, and the loan period of farmers' professional cooperatives members shall not exceed 2 years;
5. Interest rate
Farmers' professional cooperatives and their members' loans are subject to preferential interest rates, and the specific preferential margin is determined by the county (city, district) cooperatives and rural cooperative banks according to the interest rate policy of the People's Bank of China and relevant regulations combined with local conditions. Members of farmers' professional cooperatives do not enjoy preferential interest rates if their business projects exceed the business scope stipulated in the articles of association of farmers' exhibition cooperatives;
6. Guarantee method
The loans of farmers' professional cooperatives are guaranteed, mortgaged or pledged, and the loans of farmers' professional cooperatives include "farmers' joint guarantee+mutual funds guarantee", "farmers' joint guarantee+farmers' exhibition cooperation guarantee", "farmers' joint guarantee+mutual funds guarantee+farmers' professional cooperatives guarantee" or other guarantee methods.
Step 7 use
1, buy large and medium-sized agricultural machinery;
2, professional cooperatives unified procurement members engaged in farming and aquaculture funds;
3, professional cooperatives unified acquisition and sales of agricultural products;
4. Professional cooperatives should build standardized production bases, build graded storage places for products, purchase all kinds of packaging and processing facilities, and purchase refrigeration facilities and transportation equipment. ;
5 other needs of the production and operation of professional cooperatives;
6. Other legitimate purposes.