Rural professional cooperatives can apply for loans, and they must ensure that the following conditions have been met, otherwise they cannot apply.
Approved and registered by the administrative department for industry and commerce, and obtained the legal person business license of farmers' professional cooperatives.
Have a sound organizational structure and financial management system, and submit relevant information to the rural credit cooperatives on time.
Open deposit accounts in rural credit cooperatives and voluntarily accept credit supervision and settlement supervision.
Have a fixed place for production and business operation, and engage in production, operation, service and other 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.
The credit rating is above Grade A, and there are no non-performing loans and interest arrears.
Hold the loan card issued by the People's Bank of China and pass the yearbook.
First, farmers' professional cooperatives
Farmers' professional cooperative is an organization based on rural household contract management, which provides services such as sales, processing, transportation and storage of agricultural products, as well as technology and information related to agricultural production and management, to achieve mutual assistance.
Farmers' professional cooperatives have had economic mutual assistance since their establishment.
Farmers' professional cooperatives have a certain organizational structure, and their members enjoy certain rights and assume certain responsibilities.
Second, loans.
A simple understanding of a loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans 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.
Banks can also get interest income from loans and increase their own accumulation.
Can farmers' professional cooperatives borrow money?
1 "Farmers' Specialized Cooperatives" refers to farmers' specialized 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' Specialized Cooperatives. Rural credit cooperatives can issue loans to farmers' professional cooperatives and their members within their jurisdiction.
2, farmers' professional cooperatives to apply for loans to 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;
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 the rural credit cooperatives on time;
Open deposit accounts in rural credit cooperatives and voluntarily accept credit supervision and settlement supervision;
The credit rating is above A level. Have the ability to repay the principal and interest of the loan, without non-performing loans and default interest;
Holding a loan card issued by the People's Bank of China and passing the yearbook;
Other conditions stipulated by the credit cooperatives.
Extended data:
A cooperative applying for a loan from a credit cooperative shall meet the following conditions:
(a) registered by the administrative department for industry and commerce, obtained the business license of farmers' professional cooperatives, and was recognized as a standardized cooperative by the administrative department of agriculture;
(2) Having a fixed production and operation service place, with the proportion of its own funds not less than 30%, and carrying out normal production and operation activities;
(3) Having a sound financial management system and being able to submit relevant materials to the credit union on time;
(4) engaging in the production, operation and service activities stipulated in the articles of association of the cooperative according to law, and making profits from the production and operation;
(five) the credit rating is above grade A (inclusive), and it can provide the guarantee recognized by the credit union;
(six) to open a basic account in a credit cooperative, the newly established cooperative must deposit its registered capital in the opened basic account;
(seven) good credit, the ability to pay off the principal and interest of the loan, and no bad credit record. The main managers are law-abiding, have a good reputation, have no bad habits, and have no behavior of evading the debts of credit cooperatives;
(eight) there are professionals who are familiar with the breeding and planting techniques that are suitable for the operation of cooperatives, or they can obtain technical support for breeding and planting continuously and steadily;
(nine) the main management personnel have more than 2 years (including) working experience related to cooperative business;
(ten) other conditions required by the credit cooperatives.
Baidu encyclopedia-farmer professional cooperative loan
Can cooperatives borrow money?
Cooperatives can lend money, and the full name of cooperatives is rural credit cooperatives. The loan amount of the borrower is determined according to its credit status, comprehensive repayment ability, assets and liabilities and operating efficiency. The loan amount of members of rural credit cooperatives shall not exceed 70% of their net assets. Members of rural credit cooperatives enjoy preferential loan interest rates, and the specific preferential policies are determined by counties, cities and districts in light of the actual situation in the region.
Farmer cooperative
Farmers' professional cooperatives are mutual economic organizations organized by producers and operators of similar agricultural products or providers and users of similar agricultural production and operation services on the basis of contracted management by rural households. Farmers' professional cooperatives mainly serve their members, providing services such as purchasing agricultural means of production, selling, processing, transporting and storing agricultural products and technologies and information related to agricultural production and operation.
After the founding of New China, on the basis of land reform and the implementation of "land to the tiller", our party gradually organized and guided farmers to organize themselves by developing mutual aid groups and primary cooperatives, thus rapidly liberating and developing agricultural productivity. After that, the "three major cooperatives" with production, supply and marketing and credit as the mainstay were generally established in rural areas. With the completion of the task of agricultural socialist transformation ahead of schedule and entering the people's commune period, the development path of agricultural cooperatives in China has also experienced tortuous exploration for more than 20 years. Since the reform and opening up, farmers in China are more and more willing to cooperate in production and management on the basis of household contract management, and the practice of cooperation is constantly enriched. In order to meet the needs of farmers' cooperation, the Law on Farmers' Specialized Cooperatives was officially promulgated and implemented on July 1 2007. Since then, China's farmers' cooperatives have embarked on the fast track of legal development.
By the end of June 2020 165438+ 10, the number of farmers' cooperatives in China will reach 224 10000, with farmers as the main body and nearly half of them driven by radiation. Farmers' cooperatives strengthen inter-agency cooperation, and through * * * joint investment, * * * brand creation and * * * profit sharing, more than 3000 cooperatives have been established/kloc-0. Each cooperative has driven 12 individual cooperatives, and its operating income is nearly four times that of individual cooperatives. In poverty-stricken areas, 720,000 farmers' cooperatives have been cultivated and developed, and poverty-stricken households with established files have been absorbed to develop rural industries.