Conditions for farmers' micro-credit loans: 1. Farmers with permanent residence and full capacity for civil conduct; 2. The borrower has no bad credit record and good credit status; Three, engaged in land farming or other production and business activities in line with national industrial policies, and have a legitimate and reliable source of income; Four, family members need to have a labor force with labor production or management ability; Five, good health, with the ability of labor production or management, with the ability to repay the principal and interest of the loan, the age should not exceed 60 years old in principle; Six, has established a farmer's file in the credit cooperatives, and obtained the "small credit card for farmers"; 7. Other conditions required by the lending institution.
Second, what are the criteria for dividing farmers' microfinance?
Rural microfinance is generally divided into three grades. General grade: 5000 credits.
Good grades: 10000 credits.
Excellent grade: 30,000 credits. Farmers who have obtained credit can apply to rural credit cooperatives for rural areas with their household registration books, ID cards and loan certificates. In principle, it must be handled on the same day. The loan amount is the amount within the credit range. The loan period is one year in principle. Borrowers can borrow and pay back, borrow once, pay back several times, pay back once and pay back several times. But the interest is paid quarterly according to the loan interest rate.
The borrower pays off the individual on the first day and can borrow it the next day, allowing the borrower to use it in turn.
Three, low-income farmers family student standards
First, how to identify low-income farmers.
2065438+Since September 2008, the accreditation standard has been adjusted again. According to the relevant person in charge of the Civil Affairs Bureau, starting from this year, Beijing's urban and rural minimum wage standards will be linked. In July this year, the Municipal Bureau of Human Resources and Social Security issued the Notice on Adjusting the Minimum Wage Standard in Beijing 20 18. Since September, Beijing's minimum wage standard has been adjusted by the 2 Civil Affairs Bureau, and the recognition standard for urban and rural low-income families has been adjusted from 2,000 yuan per month to 2 120 yuan. The standard of care for the destitute is not less than 0% in Beijing. People can apply through the social security office or call 96 156. At present, Beijing has established a "platform for checking family economic conditions" to increase accurate assistance. The platform has been in contact with banks, housing construction, people's insurance, taxation and provident fund, and can inquire about the economic situation of families in difficulty.
Second, what is a low-income farmer?
Low-income farmers generally mean that the annual per capita net income is lower than a certain environmental condition, and there are different standards in different places.
In this way, it is easier to identify low-income farmers, and qualified friends can identify them according to Bian Xiao's information. Here, I believe that everyone has a deeper understanding and understanding of the related issues identified by low-income farmers. Please contact China Travel Service. If you have any questions, please visit. China travel. Com has been
Low-income farmers generally refer to farmers whose annual per capita net income is below a certain standard. Different regions, different locations and different economies have different standards.
Recently, the Zhejiang provincial government officially issued the Action Plan for Increasing Income of Low-income People (2000 marked the official start of the "Project for Low-income Farmers to Run a Well-off Society").
The Plan proposes to build rural health projects in the five years from this year to 20 12, and clearly puts forward the goal of making the per capita net income of more than 70% low-income farmers exceed 4,000 yuan.
At present, there is still a big gap between the per capita income of farmers and urban residents in Zhejiang Province. How to increase the income of farmers, especially low-income farmers, and how to achieve a well-off society that benefits the people of the province in an all-round way? What is the difference between "a new round of rural poverty alleviation and development project" and "a well-off project for low-income farmers"? What development opportunities can it bring to low-income farmers? The reporter visited the relevant person in charge of the Provincial Agricultural Office for this purpose.
The target of poverty alleviation is very different from the past. After the last round of "well-off project in underdeveloped towns", the types of rural poverty in Zhejiang Province originated from the dual structure of urban and rural areas, structural poverty, and the scope of regional poverty has been shrinking, making Zhejiang the first province in China without poverty-stricken towns. On the other hand, the incidence of class poverty caused by individual factors is increasing. Some low-income farmers have low quality, weak ability and little accumulation, and are unable to develop themselves, so it is difficult to seize development opportunities. They have become the most difficult group in society to increase their income, and the income gap with other classes is widening. In the fierce market competition, the poverty problem of this group will become more prominent. This group is the main target of the "well-off project for low-income farmers". [ 1]
According to the reality of Zhejiang Province, the income level is defined as farmers whose per capita net income is less than 2,500 yuan in 2007. According to the survey data of low-income farmers, by the end of 2007, there were165,438+065,438+00,000 households in the whole province, with a coverage of * * * 27 10/0,000 people, covering almost all counties (cities, districts) in the whole province. These farmers will be the main targets of this "well-off project for low-income farmers". (Continued from the second edition)
The goal of poverty alleviation is also very different from the past. Shao Feng, deputy director of the Provincial Agricultural Office, said that at this stage, the focus of poverty alleviation and development is to enhance the ability of low-income farmers to get rich, improve their income level, and carry out targeted poverty alleviation for the poor and the causes of poverty, so as to improve the social participation and self-development ability of the relatively poor population. Therefore, the goal is more detailed: in addition to the per capita income of more than 4,000 yuan, it is also clear that at least/kloc-0 low-income farmers with labor force will achieve non-agricultural employment or engage in industrialized characteristic agriculture; All low-income farmers who meet the minimum living guarantee conditions are included in the minimum living guarantee, and the minimum living guarantee standard in all counties (cities, districts) is raised to more than 2,500 yuan, basically eliminating absolute poverty. In addition, it also involves assistance in education, medical care and housing, so that the per capita education and medical expenditure of low-income farmers basically reaches the average level of local rural residents.
The implementation contents and measures of the "Well-off Project for Low-income Farmers" mainly include "eight actions" such as industrial development assistance, training and employment assistance, moving down the mountain, infrastructure construction, social assistance coverage, regional cooperation promotion, financial service support and social assistance care.
The first three actions of the "Eight Actions" are aimed at solving the ways of increasing the income of low-income farmers and are the core tasks of implementing the "Well-off Project for Low-income Farmers". By supporting low-income farmers to develop characteristic breeding industry, processing with supplied materials, and "farmhouse" leisure tourism, encouraging the relocation down the mountain and improving rural infrastructure, by 20 12, the characteristic agricultural production in underdeveloped areas will basically form a professional production and industrial management pattern of "one township, one industry" and "one village, one product"; Strive for half of the "low-income farmers' concentrated villages" and 70% of the communities moved down the mountain to develop into processing points, with a labor force of 6.5438+0.8 million and a per capita income of 4,000 yuan. In addition, conditional "low-income farmers' concentrated villages" and underdeveloped towns are allowed to develop "farmhouse music" leisure tourism, and the average annual operating income of farmers who strive for employment exceeds 20,000 yuan. More than half of the "low-income farmers' concentrated villages" have collective economic income, and more than 20% of the collective economic disposable income exceeds 65,438+10,000 yuan.
According to different implementation contents and measures, provincial and county (city, district) governments also plan to arrange corresponding subsidy funds. For example, the "Downhill Relocation Assistance Action" will arrange appropriate subsidies to minimize related expenses; The "Financial Services Support Action" will subsidize micro-credit, compensate financial institutions that issue loans, and solve the problem of farmers' loan difficulties; "Training and Employment Assistance Action" arranges special training funds.
Shao Feng said that the purpose of these innovative measures is to give full play to the leading role of the government, let all social forces participate in the assistance, mobilize the main role of low-income farmers, vigorously develop production, and rely on their own efforts to improve income and living standards.
IV. Detailed Rules for Small Credit Loans for Farmers
Branches, business management departments and downtown sub-branches of the People's Bank of China: In order to further implement the spirit of the National Working Conference of Rural Credit Cooperatives, improve and strengthen the services of rural credit cooperatives in supporting agriculture, and give full play to the role of rural credit cooperatives in supporting farmers, agriculture and rural economic development, the Head Office has formulated the Interim Measures for the Administration of Small Credit Loans of Rural Credit Cooperatives. It is issued to you, please forward it to the areas under your jurisdiction for implementation. All branches and sub-branches should put forward specific implementation opinions and strengthen supervision according to the actual situation in the region. County rural credit cooperatives should formulate specific implementation measures to facilitate members and farmers and solve the problem of farmers' loan difficulties. Rural credit cooperatives should pay close attention to organization and implementation. All branches should pay attention to collecting relevant information and report the problems encountered in the implementation to the Head Office in a timely manner. Chapter I General Provisions Article 1 In order to improve the credit service level of rural credit cooperatives (hereinafter referred to as credit cooperatives), increase the credit input to farmers and agricultural production, simplify the loan procedures, and give better play to the role of credit cooperatives in supporting agriculture, these measures are formulated in accordance with the General Principles of Loans and other relevant laws and regulations. Article 2 Micro-credit loans for farmers are micro-credit loans granted by credit cooperatives with the credit status of farmers as the guarantee within the approved quota and time limit. Article 3 The management mode of micro-credit loans for farmers is "one-time approval, use with loans, balance control and recycling". Fourth farmers' small credit loans should use farmers' loan vouchers. The loan certificate shall be based on farmers, and each household shall have one certificate, which shall not be leased, lent or transferred. Chapter II Borrowers and Purpose of Borrowing Article 5 The conditions for borrowers of micro-credit loans of credit cooperatives are: (1) farmers or self-employed households in the community have full capacity for civil conduct; (2) Strong credit concept and good credit standing; (three) engaged in land cultivation or other production and business activities in line with national industrial policies, and have reliable income; (four) family members must have a labor force with labor production or management ability. Article 6 The purpose and arrangement order of micro-credit loans for farmers: (1) Loans for agricultural production expenses such as planting and aquaculture; (2) Individual and private economic loans for agricultural production; (3) Agricultural machinery loans; (four) small-scale irrigation and water conservancy capital construction loans. Chapter III Credit Rating and Credit Limit Article 7 A credit cooperative shall set up a credit rating group for farmers. The group consists of the chairman, directors, loan officers, some members of the board of supervisors and members' representatives with certain prestige. Article 8 The steps of farmers' credit evaluation and loan quota determination: (1) Farmers apply for loans from credit cooperatives; (two) the credit personnel to investigate farmers' demand for production funds and family income, grasp the borrower's credit situation, and put forward preliminary opinions; (three) the credit rating team shall determine the loan amount and issue the loan certificate according to the information provided by the credit personnel and representatives of local members or villagers' committees. Article 9 The credit ratings of farmers are divided into excellent, good, general and other credit ratings. The standard of "excellent" grade is: ① Borrow from credit cooperatives within three years and repay the principal and interest on time, with no bad record; (2) The annual per capita net income of the family is more than 2,000 yuan; ③ Self-owned funds account for more than 50% of the funds needed for production. The criteria for the "better" grade are: ① having a stable and reliable source of income and basically not owing loans; ② The annual per capita net income of families is above 654.38+10,000 yuan. The standard of "general" grade is: ① families have basic labor force; ② The annual per capita net income of families is above 500 yuan. All localities can determine the specific evaluation criteria and methods according to the actual situation. The amount of micro-credit loans for farmers is approved according to the credit rating of farmers, and the maximum amount is agreed by the central branch of the People's Bank of China and the county (city) credit cooperatives. Chapter IV Loan Issuance and Management Article 10 For farmers whose loan quotas have been approved, within the time limit and quota, farmers can apply for loans to credit cooperatives with loan vouchers, household registration books or identity cards, or credit officers of credit cooperatives can directly issue loans to farmers' homes according to their requirements, and fill in the IOUs one by one. Eleventh credit cooperatives should set up a registration ledger with households as the unit, and change the ledger according to the changes. The record of the loan voucher must be consistent with the subsidiary ledger of the credit union. In case of any inconsistency, the IOU shall prevail. Twelfth farmers who arbitrarily change the purpose of loans, lease, lend and transfer loan vouchers should immediately cancel their qualifications for micro-credit loans. Thirteenth after the loan is issued, the loan officer should often go deep into the farmers to understand and master the production and operation of farmers and the use of loans, and strengthen the post-loan management. The loan officer shall be responsible for the authenticity of the inspection materials provided to the credit evaluation team. Chapter V Loan Term and Interest Rate Article 14 The term of micro-credit loans for farmers shall be determined according to the cycle of production and business activities, and shall not exceed one year in principle. If the harvest is refused due to serious natural disasters, the return can be postponed. Fifteenth farmers micro-credit loans according to the benchmark interest rate and floating range of loans published by the People's Bank of China appropriate concessions. Sixteenth farmers small credit loans settlement method is the same as general loans. Chapter VI Supplementary Provisions Article 17 Matters not covered in these Measures shall be implemented in accordance with the relevant provisions of the People's Republic of China (PRC) Commercial Bank Law and the General Rules for Loans. Eighteenth approach by the people's Bank of China is responsible for the interpretation of. All localities may, in light of local conditions, formulate detailed rules for implementation in accordance with these Measures and report them to the higher authorities for the record. Article 19 These Measures shall come into force as of the date of promulgation.