Term of loan. Generally not more than one year. For the purchase of large-scale agricultural machinery and tools, infrastructure construction such as irrigation and water conservancy, and crops with long payback period such as forestry, fruit industry and tea, the longest period shall not exceed 3 years.

Loan amount. In principle, the loan amount applied by new agricultural business entities is 50-65438+10,000 yuan per kloc-0 poor household, and the total amount does not exceed 3 million yuan. Finally, the pilot banks and insurance companies comprehensively determine the loan amount according to the actual capital demand, management status, repayment ability and other factors of precision poverty alleviation projects.

Financing cost. It consists of bank loan interest and guarantee insurance. Banks issue loans for poverty alleviation industrial projects to new agricultural business entities, and the interest rate shall be subject to the benchmark interest rate of the People's Bank of China for the same period and shall not rise; The insurance premium rate shall be subject to the insurance premium rate filed or approved by the insurance company in the insurance regulatory agency, and the annual insurance premium rate shall not be higher than 2% of the loan principal and interest. In case of major changes in market conditions or other provisions of China Banking Regulatory Commission and China Insurance Regulatory Commission, adjustments shall be made or followed.