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, farmers' professional cooperatives were promulgated and implemented in July 2007 1. 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.

Can the cooperative business license be loaned?

Legal analysis: Yes. Credit loans can only be made with business licenses (that is, unsecured).

Rural credit cooperative loans refer to loans issued by rural credit cooperatives to farmers' professional cooperatives and their members within their jurisdiction. "Farmers' professional cooperatives" refers to farmers' professional 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' Professional Cooperatives. According to the characteristics of the organization form and management level of farmers' professional cooperatives, the loan method of "suitable for the society, suitable for the households" is adopted.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 77 A profit-making legal person has been registered and established according to law.

Article 78 A legally established for-profit legal person shall be issued a business license by the registration authority. The date of issuance of the business license is the date of establishment of the profit-making legal person.

Can farmers' professional cooperatives borrow money?

You can borrow money.

"Farmers' professional cooperatives" refers to farmers' professional 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' Professional Cooperatives. Rural credit cooperatives can issue loans to farmers' professional cooperatives and their members within their jurisdiction.

Benefits of loans:

Developing consumer credit is conducive to improving consumption tendency and expanding domestic demand. Developing domestic market and expanding domestic demand are the basic foothold and long-term strategic choice of China's economic development, and effective consumption is an important guarantee for China's long-term stable economic growth.

Developing consumer credit is conducive to providing impetus for economic growth. The growth of consumption has always been the starting point and destination of economic activities, and consumption orientation is also the false truth of the development of market economy.

Developing consumer credit can optimize the social credit structure, organically combine creditor's rights and debts, thus improving the internal restraint mechanism of credit and improving the credit level of the whole society.

Can agricultural cooperatives apply for loans? How much can I borrow?

Agricultural cooperatives can apply for loans, and individuals can borrow up to 50 thousand.

Agricultural cooperatives are called farmers' professional cooperatives. It is a mutual-aid economic organization that producers and operators of similar agricultural products or providers and users of similar agricultural production and operation services voluntarily unite and democratically manage on the basis of contracted management by farmers. Therefore, agricultural cooperatives can apply for loans.

1. Agricultural cooperative is a rural production mutual aid organization established in the early days of the People's Republic of China to resume production and enhance farmers' ability to resist natural disasters. It is a low-level form of people's commune, which was produced under the condition of limited human and material resources at that time. Later, the activities of agricultural cooperatives continued to expand and developed into people's communes in 1958. Farmers' professional cooperatives play an important role in agricultural industrialization.

2. Effective channels: Farmers are the largest social group in China, but their distribution is relatively scattered and the degree of organization is not high, so it is difficult to fully express their wishes and effectively safeguard their interests, and it is difficult to involve the economic interests of market participants. Farmers' professional cooperatives, as organizations representing and safeguarding members' rights and interests, can timely reflect industry requirements, suggestions and opinions to the government and relevant departments, and actively strive for relevant policies. Professional cooperatives form and safeguard the overall interests of the industry within a certain legal framework by concentrating and "filtering" the individual wishes of the original scattered agricultural producers and operators. At the same time, professional cooperatives solve internal and external contradictions in the industry by regulating and restraining the behaviors of farmers, agricultural enterprises and agricultural products markets, and maintain the order of agricultural products markets and the economic interests of relevant market participants.

3. Background of agricultural cooperatives:

Cooperative economy is a global concept and activity of the times. As early as19th century, some western countries began to explore cooperative economy. The development of international cooperative economy has generally experienced three stages:

(1) Enlightenment stage:1At the beginning of the 9th century, utopian socialists, represented by Irving and Fourier, began to explore cooperative economy and set up some cooperatives with highly concentrated production and life, all of which ended in failure because they were divorced from reality.

(2) Initial stage: 1844, in order to cope with the exploitation of retailers, 28 textile workers from Rosrondale, England formed the vanguard of Rossdale Expo, marking the birth of the first cooperative in the world. The pioneer company of the Rothschild Expo pays one pound of stock to everyone and provides services for everyone by buying necessities such as bread. By 1930s, Rossdale Pioneer had grown to more than 40,000 people, and established slaughterhouses, processing plants and hundreds of shops. The success of Tandell Pioneer is mainly attributed to the principle of membership, freedom of association, full democracy and distribution of surplus according to the replacement of members stipulated in its articles of association. At the same time, it also stimulated the enthusiasm of workers in other parts of Europe and America to establish cooperatives. Cooperatives in all countries have adopted the Rovdale principle and formed an internationally recognized cooperative principle.

(3) Steady development stage: With the development of cooperatives, there has also been a trend from decentralization to alliance, from local alliance to domestic and even international alliance. For example, the cooperative alliance in France, the national agricultural cooperative association in Japan and South Korea, etc. 1895, the international cooperation alliance was established in London, England, marking the steady development of cooperative economy. From 65438 to 0946, the League of International Cooperation became a non-governmental organization with consultative status in the United Nations, which was the first consultative status of the United Nations Economic and Social Council. The International Cooperative Alliance has more than 240 member organizations from more than 20 countries, representing more than 700 million cooperative members all over the world.

Can rural professional cooperatives apply for loans? What is the specific process?

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.

This is the end of the introduction about whether the establishment of a cooperative can be loaned and how much it can be loaned. I wonder if you have found the information you need?