(1) Loan limits for farming, animal husbandry, forestry, agriculture-related industrial chains and related industries: In principle, the amount of a single loan shall not exceed the business limits of individual investment and business loans of each branch. If it is necessary to make a loan exceeding the prescribed business limit, it should be reported to the Personal Finance Headquarters of the Head Office for approval on whether a single loan or a sub-product can expand the single business limit;

(2) Agricultural machinery loan amount: in principle, it shall not exceed 50% of the price of purchased agricultural machinery. The mortgage ratio of agricultural machinery loans signed with the head office or authorized tier-one branches shall be subject to the agreement in the cooperation agreement, but the maximum shall not exceed 70%.

2. "Bank of China? Loan types of "Yi Nong Loan":

According to different industrial chains, "China Bank? For the time being, there are five development directions, namely, planting, animal husbandry, forestry, agricultural machinery industry and agriculture-related industrial chain related industries.

(1) Personal agricultural loan:

Individual agricultural enterprise loans are loans provided to borrowers engaged in agriculture, which are used to purchase agricultural means of production such as seeds, fertilizers, pesticides, agricultural films and agricultural equipment. Among them, planting refers to the industry that obtains agricultural products by artificially cultivating crops, mainly including grain crops, cash crops, feed crops, green manure crops and horticultural crops such as vegetables and flowers, and usually refers to the production of crops such as grain, cotton, oil, sugar, hemp, silk, tobacco, tea, fruit, medicine and flowers.

(2) individual animal husbandry and aquaculture loans:

Personal animal husbandry and aquaculture loans are loans to borrowers engaged in aquaculture for purchasing agricultural means of production such as seedlings, feed, aquaculture facilities and machinery and equipment. Among them, the aquaculture industry includes pig industry, poultry industry (chicken industry, duck industry, goose industry, pigeon industry and so on). ), cattle industry (dairy industry, beef cattle industry, etc. ), horse industry, sheep industry (sheep industry, goat industry), sericulture industry, beekeeping industry, aquaculture industry, and special economic animal breeding industry that provides deer, musk deer, bears, turtles, silky fowl, pigeons and other medicinal animals (mainly providing fur such as foxes and minks); Provide meat-based quail, bullfrog, muscovy duck, ostrich, pigeon and other meat animals; Ornamental animals, hunting animals, egg-laying birds, special-purpose animals, etc. ).

(3) individual forestry business loans:

Personal forestry business loans refer to loans that banks accept forest resources assets such as forests, trees and woodlands as collateral and issue to self-employed households for their investment and operation within the scope permitted by law. Among them, the forest resource assets that are allowed to be mortgaged by law refer to the ownership of timber forest and economic forest and the right to use forest land, and have obtained the forest right certificate of the national unified standard issued by the people's government at or above the county level, and there is no dispute over the ownership of forest land.

(4) personal agricultural machinery loans:

Personal agricultural machinery loans refer to loans issued to borrowers engaged in planting for the purchase of agricultural machinery. Among them, agricultural machinery includes large-scale agricultural self-propelled working machinery, field working machinery, grain and agricultural and sideline products planting, harvesting and processing machinery.

(5) Personal agriculture-related industrial chain business loans:

Personal agriculture-related industrial chain business loans are revolving loans issued to borrowers for purchasing and processing products and by-products of agriculture, forestry, animal husbandry and fishery.

As there are some differences in business in different regions, please consult local institutions in detail when applying for loans.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.