Go to the local bank to find out the situation. Every bank is different, and the general bank may be more difficult.
Second, how can aquaculture cooperatives borrow money?
Conditions for aquaculture cooperatives to apply for loans:
1, at least 18 years old, with full capacity for civil conduct and legal and valid identification;
2. Have a fixed residence in this city and live for a long time;
3. Engaged in agricultural production and operation activities in the service area of the Bank, and never applied for corporate loans from enterprises or projects operated by it;
4, normal production and operation, reliable sources of income, with the ability to fulfill the loan contract and repay the loan principal and interest;
5. Personal credit is good, and there is no debt and criminal record;
6. It can provide legal and effective loan guarantee recognized by the bank.
The purpose of the loan:
1, used for farming, forestry, animal husbandry, sideline and fishery production and management;
2. Provide pre-production, mid-production and post-production supporting business services for agricultural and sideline production;
3, for the purchase, production, distribution and maintenance of small agricultural machinery and equipment;
4, for production, processing, transportation, handicrafts, commerce, tourism and other agricultural operations;
5, for other production and operation in line with the suburban rural industrial development policy.
3. How does the breeding cooperative borrow money from the bank?
Rural cooperative is a voluntary association of farmers and an agricultural cooperative movement. Rural cooperatives came into being in the last century. It is an agricultural socialist economic organization in which all means of production (land, farm tools and farm animals) are collectively owned, and farmers work collectively, from each according to his ability and distribution according to work. Rural collective economic organizations are different from enterprise legal persons, social organizations and administrative organs, and have their unique political and legal nature. Agricultural machinery cooperatives are also called agricultural machinery professional cooperatives. Agricultural machinery professional cooperatives are farmers' professional cooperatives established according to the Law on Farmers' Professional Cooperatives, Regulations on Registration Management of Farmers' Professional Cooperatives, Model Charter of Farmers' Professional Cooperatives and relevant laws and regulations. These Articles of Association are formulated to mainly provide agricultural machinery services. An organization that aims at serving its members and follows the principle of "voluntary membership and free withdrawal" to provide services for cooperative members and other individuals or groups.
4. How does the breeding cooperative borrow money from the bank?
Relevant contents of loans from banks by farmers' breeding cooperatives:
1, basic introduction of farmers' professional cooperative loans
Farmers' professional cooperative loans refer to loans issued by farmers' professional cooperatives and their members. "Farmers' Professional Cooperatives" refers to the characteristics and management level of farmers' professional weaving forms approved and registered by the administrative department for industry and commerce according to the provisions of the People's Republic of China (PRC) Farmers' Professional Cooperatives Law, and adopts the loan method of "adapting to the society and households".
2. Loan conditions
Conditions for cooperatives to lend to credit cooperatives
Farmers' professional cooperatives apply for loans from rural credit cooperatives.
☆ Business license of professional cooperative legal person in industrial and commercial department;
☆ Have a fixed place for production, operation and service, and engage in production, operation and service activities 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;
Household, voluntarily accept credit supervision and settlement.
☆ 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:
☆ Be at least 18 years old and have full capacity for civil conduct;
☆ The registered permanent residence business place must be in the service area of credit cooperatives;
☆ 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;
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 farmers' professional cooperatives shall be 2 years;
5. Interest rate
The preferential interest rate for farmers' special funds shall be determined by the city, district) cooperatives and rural cooperative banks in accordance with the interest rate policy and relevant regulations of the People's Bank of China and in combination with local conditions. Farmers' professional cooperatives, which belong to the business scope stipulated in the articles of association of farmers' professional cooperatives, do not enjoy the prescribed preferential interest rate;
6. Guarantor
Farmers' professional cooperative loans take the form of guarantee, farmers' professional cooperative help guarantee, farmers' joint guarantee, farmers' professional cooperative exhibition industry guarantee or other guarantee methods.
Step 7 use
1, buy large and medium-sized agricultural machinery;
2, professional cooperatives unified procurement members engaged in planting,
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.