Provincial Forestry Department:
According to the document of Zhelinji [2004] No.97, our bureau inspected the relevant information of the discount loan project units of forestry desertification control in our county from 200/KLOC-0 to 2003, and now the situation is reported as follows:
The loan project of Baohe Biological Park in Wuyi County, Zhejiang Province is the development of ecological park. In February 2002, the enterprise borrowed 6 million yuan from Wuyi County Sub-branch of Agricultural Bank of China, and the funds were received in one lump sum. In September 2003, 80,000 yuan of central financial discount funds were directly allocated to enterprises by the county finance bureau, and the enterprise's own funds were150,000 yuan, which met the requirement of 30% of the total project investment. Loan projects are not accounted for separately, and a detailed account of costs and expenditures is established, which can basically reflect the use of funds. The project loan is specially used for the construction of green seedling production base, high-grade potted flower production base and tissue culture room. Up to now, 700 mu of green seedling production base and 20,000 square meters of multi-span steel-frame greenhouse have been built, all of which are equipped with sprinkler irrigation and spray heating facilities to support more than 0/00 farmers to develop green seedlings. The project has been basically completed as planned. It is estimated that the sales this year will reach more than 25 million yuan, and the profit and tax will be 3 million yuan.
The loan project of Zhejiang Jiarong Agricultural Comprehensive Development Co., Ltd. is developed for Qiaoshushan Economic Forest Base. On 200 1 and 1, the company borrowed 2 million yuan from Wuyi Sub-branch of Agricultural Bank of China, and the funds were put in place at one time. The discount interest fund of 50,000 yuan was allocated to the company through the county forestry bureau in August, 2002. The company has its own fund of 800,000 yuan, which meets the requirement of 30% of the total project investment. The loan project has established detailed cost expenditure as required, and the funds have been used as planned. In recent years, the economic forest base 1 1,000 mu has been built, with good growth, gratifying prospects and good social and economic benefits.
Judging from the inspection, the central discount interest funds in the loan funds and discount interest funds of the project unit were in place in full and on time, and there was no artificial detention or misappropriation. In the process of project implementation, through the close cooperation of finance, forestry and agricultural bank, the project quality is tracked and supervised. The two discount loan projects in our county can basically be operated in accordance with the spirit of relevant documents, and the project construction and capital use are basically good. However, there are also some shortcomings. First, due to the current situation of local economic development, the local matching funds in the discount interest funds are still not fully in place, which indirectly affects the construction of the project. Second, the project unit needs to further strengthen the management and use of this fund.
Suggestion:
1, discount loans for forest sand control should increase support for underdeveloped areas and accelerate the development of forestry industry in these areas.
2. While supporting forestry leading industries, advantageous enterprises and advantageous products, we should give full consideration to project support in some areas with relatively insufficient characteristic advantages, not only supporting the excellent and the strong, but also making overall consideration of support for emerging and relatively weak areas.
3, forestry sand discount loan project funds and management should be jointly inspected and supervised by the finance and forestry departments, strengthen supervision.
2. What are the conditions and terms of interest discount for forestry loans?
The access condition of provident fund loan is that the loan can be obtained after 6 months' deposit and good credit information. The age of the loan is 25 to 55 years old, and the information you need to carry is your ID card, marriage certificate, income certificate and provident fund card.
3. Can I apply for a loan for the forest right certificate?
Yes, the forest right certificate can be used as a mortgage loan. Forest right mortgage loan refers to borrowing from financial institutions with forests, forest ownership (or use right) and forest land use right as collateral. The interest rate of forest right mortgage loan shall not exceed 1.5 times of the benchmark interest rate. The innovation of forest right mortgage loan business lies in that it has broken the long-standing single pattern of bank loan mortgage mainly based on real estate, introduced the new collateral of forest land use right and forest ownership, and turned "sleeping" forest resources into assets that can be mortgaged and realized. 1. Forest resources assets that can be used as collateral include: (1) timber forest, economic forest and firewood forest; (two) the right to use timber forest, economic forest and firewood forest; (three) the right to use the forest land in the cutting land and burning land of timber forest, economic forest and firewood forest; (four) the right to use other forests, trees and woodlands as stipulated by the State Council. Second, mortgage conditions: the conditions that forestry enterprises need to meet when handling forest right mortgage loans include: 1, loan card that has been held and examined annually, business license, tax registration certificate and organization code certificate; 2, engaged in forestry production and operation or engaged in production and operation activities related to the development of forestry economy; 3. Normal business activities and certain economic benefits; 4. Invest in forestry-related projects and have certain self-owned funds; 5. There is a relatively standardized financial system, and relevant financial indicators meet the requirements; 6, good credit, law-abiding, no bad credit and debt records; 7. Have the willingness and corresponding ability to repay the principal and interest on time; 8. Other conditions required by financial institutions. : What materials do forest right holders need to submit for initial registration? When making initial registration, the forest right holder shall submit the following materials: 1, application form for forest right registration; 2. Personal identity certificate, qualification certificate of legal person or other organization, identity certificate of legal representative or person in charge, identity certificate of legal agent or entrusted agent, and power of attorney stating the entrusted matters and entrusted authority; 3, apply for forest, forest and woodland ownership registration documents; Other relevant documents required by the competent forestry authorities of the people's governments of provinces, autonomous regions and municipalities directly under the Central Government. Legal basis: Regulations on the Implementation of Forest Law of People's Republic of China (PRC) Article 3 The State implements the registration and certification system for forests, trees and woodlands according to law. The ownership and use right of legally registered forests, trees and woodlands are protected by law, and no unit or individual may infringe upon them. The certificate of ownership of forests, trees and woodlands shall be formulated by the competent forestry authorities of the State Council.