The name of the loan for vegetables

The name of the loan for vegetables is "Jiashu Loan" to help the high-quality development of the vegetable industry.

“Jiashu Loan No Mortgage” solves the problem of loan difficulties for vegetable growers. In view of the phenomenon that vegetable growers have high investment in business operations, few property rights certificates, and generally lack collateral for loans. In order to solve the problem of vegetable growers having little collateral and difficulty in getting loans, since January 2020, the bank has launched mortgage-free products such as Jia-Shu Loan (Nong Guan Loan, Family Loan, and Flow Loan) to solve the problem of vegetable growers having difficulty in getting loans. . It has issued 202 "Jiashu Loan Mortgage-free" loans with an amount of 25.5 million yuan, solving the loan difficulty problem of a number of vegetable growers. For example, on January 30, 2020, a loan of 750,000 yuan was issued to the Xinjie Township Mingtang Vegetable Cooperative, which solved the cooperative’s funding problem for fruit and vegetable planting in Xinjie, and the cooperative continued to grow and develop. At present, the cooperative has formed a fruit and vegetable picking and sightseeing agriculture demonstration area.

“Jiashu Loan to Support Agriculture” solves the problem of expensive loans for vegetable growers. In the past, loan interest rates for vegetable growers have risen, making growing costs too high. In order to effectively reduce the capital costs of vegetable growers and reduce the burden on vegetable growers, in March 2020, the bank sought re-loans from the People's Bank of China to support agriculture, launched the "Jiashu Loan Re-loan to support agriculture", and maintained the interest rate at 4.5 Below, we will maximize the benefits to vegetable growers. A total of 102 vegetable growers have been supported, with an amount of 19.8 million yuan. For example, on May 31, 2020, a loan of 3 million yuan was issued to Jiayu Jinrun Agriculture using the "Jiasu Loan to Support Agriculture and Re-Loan" with a loan interest rate of 4.5 to support the company's rapid investment in vegetable planting of more than 7,000 acres after the epidemic. Wuhan has made a positive contribution to the supply of fresh vegetables and received on-site inspections and praises from the main leaders of the Provincial Party Committee.

Guarantee letter for loan application

Guarantee letter for loan application (selected 7 articles)

The loan application approval report is the main basis for the superior bank to approve the loan. A well-written application can provide the superior bank with a sufficient and reliable basis for decision-making, and improve the loan decision-making level and approval efficiency of the superior bank. This article is the guarantee letter for the loan application that I compiled and is for reference only.

Guarantee Letter for Loan Application (Part 1)

Personal Loan Application Sample (Private Enterprise)

Company Name: Application Date: _____ Year _____ Month _____ Day 1. Application for guaranteed loan Amount of application for guaranteed loan (10,000 yuan) Application period for guarantee is from ____ month ____ day ____ year to ____ month ____ day ____ year

1. Purpose of guaranteed loan funds: Repayment source of funds: Repayment plan: Counter-guarantee measures: (including personal property mortgaged and pledged by legal representatives) Opinions of the applicant company: Seal of the applicant company: ---- ---------Signature of the legal representative: (stamped) Person in charge (signature) on ____ month ____ of ____ year:

2. Opinions of the proposed loan bank The proposed loan Opinion signed by the proposed loan bank: Proposed loan bank (official seal): ___ year ___ month ___ day

3. Opinions of the Municipal Credit Insurance Center Member Services Department Preliminary review opinion: Preliminary reviewer: ___ year Review opinion of the Guarantee Business Department on ___ month ___: Reviewer: ___ year ___ month ___ opinion of the Municipal Credit Insurance Center: Director: ___ year ___ month ___ The company applying for guarantee needs to Provide the following documents: 1. Power of attorney letter and copy of ID card of the specific person in charge; 2. Recent financial statements of the company. 3. Loan application (copy); 4. Materials required to assess credit rating.

Personal loan application form Bank of China branch (branch): I am a member of the (unit), current position, average monthly household income of RMB yuan, commercial housing (shop) set developed for the purchase of (company), real estate No.: I am applying for a housing (shop) mortgage loan of RMB 10,000 with a term of one year from your office. I agree to mortgage the purchased property to your organization (bank) as repayment of the loan under the loan contract signed with your organization (bank). Guarantee; I agree that your organization (bank) can query my information through the People's Bank of China's personal credit reporting system to understand my credit status.

In line with the principle of honesty and trustworthiness, I declare that this property is the first home purchased by my family with a loan (excluding provident fund loans).

In accordance with the requirements of your bank, I opened a repayment account at the branch (branch) where I am located. The account number is I also authorize the lender to deduct the loan principal and interest (including overdue interest and penalty interest) from the account on the monthly repayment date and the loan maturity date; if I change the repayment account, I will provide new account information in a timely manner; If the funds in the account are insufficient and the loan is in arrears, I accept all legal collection measures of your organization (bank) and voluntarily bear all consequences.

Guarantee Letter for Loan Application (Part 2)

1. Enterprise Development History

The Four Seasons Vegetable Planting Professional Cooperative of Pioneer Township, Yushu City was established in November 20__ It was registered at the Yushu City Administration for Industry and Commerce on the 17th. The industrial and commercial registration number is 220__2NA000085_. Its predecessor was the Four Seasons Vegetable Planting Professional Association of Pioneer Township, Yushu City, which was established on November 5, 20__ (the Yushu Civil Affairs Bureau registration number is " Yuminshe Fuzi No. 20__049"). The cooperative's address is located in Xianfeng Township Street, Yushu City. Its members have invested a total of 4 million yuan. The legal representative of the cooperative is Wang Guibo. Since its establishment, the cooperative has developed facility agriculture and cultivated off-season vegetables as its main business, with the goal of building a winter vegetable production base in northern China, with the goal of significantly increasing farmers' income, and striving to cultivate new economic growth points in the central grain production area of ??Jilin Province. , vigorously develop greenhouse film vegetables, and have achieved good economic and social benefits. So far, the cooperative has built 62 solar greenhouses in Minquan Village, Xianfeng Township, with an annual output of 20__ tons of various off-season vegetables, increasing farmers' income by more than 2 million yuan. , has made outstanding contributions to meeting market demand, increasing farmers' income, and promoting the construction of Yushu winter vegetable production base in northern China.

2. Attract the number of people who meet the loan conditions, drive the number of jobs and develop new jobs

Among the 62 members of the cooperative, 10 people meet the loan conditions. Currently, 150 people are employed in the cooperative's 62 solar greenhouses and vegetable greenhouses.

3. The company’s main products and markets

The main products of the Four Seasons Vegetable Planting Professional Cooperative in Xianfeng Township, Yushu City are off-season vegetables. The specific varieties include spring cucumbers (tomatoes) and autumn and winter tomatoes. (cucumber) and winter leafy vegetables. Main markets for products: spring cucumbers (tomatoes) → large, medium and small cities in the three provinces of Jilin, Heilongjiang and Inner Mongolia; autumn and winter tomatoes (cucumbers) → Shanghai, Jiangsu, Zhejiang and other provinces and cities; winter leafy vegetables → the neighboring provinces of Jilin and Heilongjiang of large, medium and small cities.

IV. Enterprise production capacity and technical equipment level

Enterprise production capacity: annual output of 20__ tons of off-season vegetables.

Technical equipment level: Spring and autumn vegetable greenhouses generally use bamboo and wood structures or steel frame structures to produce two seasons of vegetables a year. The solar greenhouse adopts a semi-underground steel frame column-less structure. The back wall is made of a 4-meter-thick earth mound with a slope of 45°. Cement columns are embedded in the wall to support the steel frame. The gables on both sides are made of 50cm red bricks, and the middle is filled with anti-blocking materials. This greenhouse insulation technology can produce leafy vegetables at -30°C outdoors in winter without artificial heat sources. It is economical, applicable and advanced.

5. The company’s main competitors and industry status

The company’s main competitors come from two aspects: mainly winter and spring southern vegetables and northeastern greenhouse vegetables.

The main competitive advantages of the enterprise are twofold: First, the cooperative's solar greenhouse construction cost is low, so fixed costs such as depreciation are low. Compared with other greenhouse vegetables in the Northeast, it has a price competitive advantage. On the other hand, the out-of-season vegetables produced by the cooperative adopt pollution-free cultivation methods, and the products have quality advantages.

6. Corporate Marketing Strategy and Channels

The corporate marketing strategy mainly adopts the form of print media advertisements in large and medium-sized cities in Heilongjiang and Kyrgyzstan to introduce the project and vegetable cultivation base. Let the dealers know about this project and products, and then open up the market. After the scale and market are formed, the dealers will automatically go to the project area to purchase and distribute vegetable products.

7. Enterprise production and operation status in recent years

By the end of November 20__, the total assets of the cooperative reached 11.833 million yuan, including total fixed assets of 8.816 million yuan, current assets of 2.567 million yuan, and net The assets are 5.405 million yuan and the total liabilities are 5.978 million yuan. In that year, 20__ tons of off-season vegetables were produced, the sales revenue was 4 million yuan, and the net profit was 2.4 million yuan.

8. Basic corporate account opening bank and account number

Name: Yushu City Xianfeng Township Four Seasons Vegetable Planting Professional Cooperative Account opening bank: China Construction Bank Co., Ltd. Yushu Branch Account number: 220__5025

9. The amount, term, purpose, repayment source and asset mortgage situation of the small-amount guaranteed loan applied for this time

The Four Seasons Vegetable Planting Professional Cooperative of Pioneer Township, Yushu City applied for a small-amount guaranteed loan this time The quota is 2 million yuan, with a term of 2 years, and is mainly used to expand reproduction. The source of repayment mainly comes from profits from greenhouse operations, that is, off-season vegetable production. Loan households use their idle properties or completed greenhouses or greenhouses as collateral.

10. Enterprise production and operation purpose and development direction

The Four Seasons Vegetable Planting Professional Cooperative in Xianfeng Township, Yushu City takes the development of facility agriculture and the cultivation of off-season vegetables as its main business to create a better winter in northern China. With the goal of establishing a vegetable production base and greatly increasing farmers' income, we strive to cultivate new economic growth points in the main grain-producing areas of central Jilin Province and vigorously develop greenhouse film vegetables to meet market demand, increase farmers' income, and promote elm trees in northern China. Construction of winter vegetable production base. The cooperative takes pollution-free and automation as its development direction, explores new techniques for off-season vegetable cultivation, and develops modern facility agriculture.

Guarantee Letter for Loan Application (Part 3)

Guarantee Center Number: Handling Bank Number:

Guangzhou Small Guaranteed Loan Application

(College Student Entrepreneurship and Self-Employment)

Loan Applicant:_______________

Acceptance Date: Year, Month, Day

Instructions for filling out the form:

1. This form should be filled in with a pen or carbon pen.

2. The “loan handling bank” shall be filled in by the borrower choosing one of the designated handling banks. 3. "Loan application project" refers to a self-employed project for a loan applicant to seek employment and start his own business.

4. Low-profit projects refer to self-employed projects such as commerce, catering, repair and breeding industries engaged in by the applicant in communities, streets, etc., specifically including: cottage industry, repair and repair, book lending, hotel services, Catering services, washing, dyeing and sewing, photocopying and typing, hairdressing, small dining tables, canteens, moving, hourly services, household cleaning services, primary health care services, infant and child care and education services, education, training and care services for disabled children, elderly care services, patients Child care, child care and student transport services. Low-profit projects will be stamped with confirmation opinions when reviewed by the labor and social security department, and will be recognized by the handling bank when approving loans.

5. The "loan application amount" cannot exceed 50,000 yuan, and the "loan application period" cannot exceed two years.

6. The "Counter Guarantee Method" in "Counter Guarantee Situation of Guarantee" shall be filled in by the borrower choosing the real estate mortgage or natural person guarantee method registered in this city. Counter-guarantee is exempted by obtaining an entrepreneurship training completion certificate from a labor and social security training institution above the district level.

7. When filling out the "Guangzhou Small Guaranteed Loan Application", the borrower must provide the originals and copies of the following information (copies must be made in five copies):

1. "Guangzhou Municipal Student Employment Service Card for College Graduates, "Guangdong Province Employment and Unemployment Manual", "ID Card", "Household Register", Industrial and Commercial Business License and Entrepreneurship Training Completion Certificate issued by the labor and social security department at or above the district level;

2. Counter-guarantee related information: (1) Real estate mortgage method: real estate ownership certificate; (2) Counter-guarantee guarantee method for natural persons registered in this city: Counter-guarantee guarantor’s ID card, monthly income certificate (not less than 20__ Yuan), proof of financial appropriation unit or social insurance participation in Guangzhou area.

The above information must be clearly copied on A4 size paper. The copies of certificates and licenses must be reviewed and verified by the Municipal College Graduate Employment Guidance Center, marked "consistent with the original" and stamped with the official seal.

8. The applicant has no bad records in the bank’s credit reporting system.

9. The "Labor and Social Security Department Number" in this form is uniformly numbered by the Municipal Labor and Employment Service Management Center; the guarantee agency and the handling bank are numbered according to the order of acceptance.

10. This form is made in five copies. The borrower, the Municipal College Graduates Employment Guidance Center, the Municipal Labor and Employment Service Management Center, the Guarantee Center, and the handling bank each have one copy.

Borrower situation:

Guarantee letter for loan application (Part 4)

County Labor, Social Security and Employment Bureau:

My name is _ __, gender: male/female, is a self-employed person. He was born on the year, month, and day in the county and city. He has been working in the county and city since graduation, and it has been years now. I have been working. Now due to the expansion of the scale, I have invested 10,000 yuan. I currently have insufficient funds. I understand that the government has this preferential policy, so I hereby apply for a small guaranteed loan. I hope the government will provide support and help of 10,000 yuan.

Applicant:___

Year, Month, Day

Guarantee Letter for Loan Application (Part 5)

___Credit Guarantee Center:

I am a villager ___ from __ village __ town __ in __ county. My ID number is ___________. I raised _ ten thousand yuan of self-funded funds in January 20__ and planted an acre economy in my village. Linmu is currently operating well. In order to expand its business scale and better start a business, we have applied to the Yongdeng County Credit Guarantee Center for a small guaranteed loan of _10,000 yuan, with a term of two years, to be used as funds for the expansion of forest planting. I promise that my application will be based on the principle of honesty, and I will accept your center’s personnel’s investigation of my business status, family situation, and income. If the loan application is successful, I will consciously fulfill the loan contract and related regulations and repay the loan on time. Please look forward to your center's approval in accordance with relevant government policies.

Hereby apply!

Loan applicant:

Applicant’s spouse:

____-_-__

Guarantee letter for loan application (Part 6)

__City Jinfeng District Labor and Employment Service Bureau:

Small Guaranteed Loan Service Center:

I My name is ___, male, 33 years old, currently living in Room 301______. There are three people at home, me, my wife and my daughter. I was laid off in 20__ and have been working outside. Since I started working, my family's financial situation has been obviously tight. Taking over the operation of ______ in August 20__, address: ______, Yinchuan City, business scope: ______, etc.

Since taking over the business, we have abided by laws and regulations, the business conditions are still small profits, and we can maintain the basic expenses of family life. And led to the re-employment of 3 people, I (__) laid-off unemployed person (unemployment certificate number: __), two store clerks are unemployed people in __ district: __ (unemployment certificate number: __), __ (unemployment certificate number: __).

Due to financial difficulties due to expansion of business, I applied for a small guaranteed loan of 50,000 yuan, which is guaranteed to be returned within 2 years. We hope that your bureau (center) can provide a solution!

Applicant: __

Contact number: __

August 9, 20__

Guarantee letter for loan application (Part 7)

Loan guarantee application report

Rural Credit Cooperative Credit Union:

My name, valid ID name, ID number, work unit, work phone number, detailed home address, residential phone number, mobile phone number, existing housing and real estate package, the value is approximately: yuan, the remaining assets: cattle:; sheep:; pigs:; trees:; Arable land: Machinery: Other assets:, the total value of the above is RMB; the main business items, monthly salary income RMB, monthly other income RMB, the total monthly income is RMB, and the liability situation is. Spouse’s name, valid ID card name, ID number, work unit, work phone number, mobile phone monthly fixed income in RMB, monthly other income in RMB, and total monthly income in RMB.

The borrower applies for a loan from your company, in RMB (in capital letters), with a term of one month, for the purpose, and the guarantee method is: Guarantee Guarantee □ Mortgage Guarantee □ Other □.

I voluntarily provide loan guarantee for the borrower. I and my spouse promise to bear the responsibilities according to the loan contract. I (or both of us) promise that: I am aware of the legal responsibilities and obligations that the guarantor should bear, such as the borrower If you cannot repay the loan principal and interest on time, as *** joint and several guarantors, we are willing to hand over all our own properties to your company for disposal, and the disposal is equivalent to the loan amount and the interest owed until the loan principal, interest and related matters are repaid. cost. I have understood the relevant matters of the guarantor's loan, and declare that there is no fraud, coercion or other means to make me bear the joint debt or joint liability guarantee against my true intention. If I fail to fulfill my obligations under this commitment letter, I will voluntarily accept the people's enforcement and waive any right to defend.

This is a statement! We look forward to your approval.

Guarantee applicant:

Year, month and day

What are the preferential policies for vegetable cooperatives?

1. What are the subsidy policies for agricultural planting cooperatives?

1. Tax incentives:

The sales of agricultural products by farmers' professional cooperatives are regarded as the sales of self-produced agricultural products by agricultural producers and are exempt from value-added tax;

Tax-free agricultural products purchased by general taxpayers from farmers' professional cooperatives can be deducted from the value-added tax input tax at a deduction rate of 13;

For agricultural films, seeds, and seedlings sold by farmers' professional cooperatives to their members, , chemical fertilizers, pesticides, and agricultural machinery are exempt from value-added tax.

2. Discounts for water and electricity:

The price of water and electricity for large-scale pig, vegetable, etc. production is the same as that for agriculture;

The electricity department provides grain baking The policy for electricity consumption by dry machinery is to be implemented at the lowest price for electricity used in agricultural production.

2. Subsidy ratio

The state’s subsidy policies for rural cooperatives include: land transfer subsidies, loan subsidies, agricultural machinery purchase subsidies, grain planting subsidies, comprehensive agricultural input subsidies, and standardized pig scale Farm (community) construction, agricultural insurance subsidies, minimum grain purchase price policy, subsidies for returning farmland to forests, grassland ecological protection subsidies, etc.

The specific project application process must be implemented according to the specific regulations of each province and city. Many regions across the country provide subsidies for the transfer of cooperative land. For example, Xinchang County in Zhejiang Province provides a one-time reward of 150 yuan per mu to business owners and out-of-home households who transfer more than 20 acres of land to plant rice (30 acres for vegetables and 50 acres for other areas).

: The state’s subsidy policies for rural cooperatives include land transfer subsidies, loan subsidies, agricultural machinery purchase subsidies, grain planting subsidies, comprehensive agricultural input subsidies, construction of standardized large-scale pig farms (communities), agricultural insurance subsidies, Minimum purchase price policy for grain, subsidies for returning farmland to forest, subsidies for grassland ecological protection, etc. The application for specific projects also varies according to the specific conditions of each province and city.

Legal basis: Article 3 of the "Farmers' Professional Cooperatives Law of the People's Republic of China" Farmers' professional cooperatives shall abide by the following principles:

(1) Farmers are the main members;

(2) Aim to serve members and seek the common interests of all members;

(3) Join the society voluntarily and withdraw freely;

( 4) Members have equal status and democratic management is implemented;

(5) Surpluses are returned mainly in proportion to the transaction volume (amount) between members and farmers' professional cooperatives.

That’s it for the introduction of vegetable cooperative loans.