Rural entrepreneurship loan policy
Most of China is still rural. If there is better development in rural areas, starting a business needs a lot of money. The country has rural poverty alleviation loans, which can help more people get rich. The following is the rural entrepreneurship loan policy, welcome to read.
Rural poverty alleviation loans are aimed at people aged 25-55 who have full civil capacity and need good personality and strong credit concept. The credit officer will conduct a thorough investigation to determine the loan target.
Loan term: the loan term is approved at one time, valid for two years, and can be used for turnover.
Loan interest rate: the implementation interest rate of poverty alleviation loans is 6.3‰.
Repayment method: repay the principal on schedule, and the interest will be paid off together with the principal.
Rural poverty alleviation loan conditions
1. Have a proper occupation and stable economic income, be able to repay the loan principal and interest on schedule, have good credit and have no bad hobbies.
2. Last year, the per capita income of farmers in the city was less than half of that of farmers.
Rural poverty alleviation loan materials
1, loan application;
2. The ID card, household registration book or marriage certificate of the borrower and spouse;
3, the guarantor's ID card and other basic information proof materials;
4. Other relevant information deemed necessary by the lending bank.
Rural poverty alleviation loan process
1. Loan application and material submission.
2. Loan approval: review the pre-loan investigation opinions and relevant materials provided by credit investigators, and issue loans only after being approved by the loan approval team of the branch.
3. After signing the contract and handling the guarantee formalities, it will be approved once, valid for two years, and will be distributed in installments for circulation.
4. Post-loan management: Credit personnel should always know the production and living conditions of loan households and provide information for farmers. Loan method, term and interest rate. Rural poverty alleviation loans are secured loans with a loan amount of 1 1,000-20,000 yuan.
Apply for precision poverty alleviation loans
Accurate poverty alleviation: it refers to the poverty alleviation method that uses scientific and effective procedures to accurately identify, help and manage poor objects according to the environment of different poverty-stricken areas and the situation of different poor farmers. Generally speaking, precision poverty alleviation is mainly aimed at poor residents, and whoever is poor will be supported.
Apply for loan: village committee-township-county poverty relief office, finance bureau, and undertaking bank.
Mode 1: poor households apply for direct loans to poor households.
Mode 2: poor households apply for and lend money to poor households, and poor households give money to large households (enterprises) and sign dividend agreements with large households (enterprises).
Mode 3: Poor households apply for loans from large enterprises, but large enterprises must sign agreements with poor households to promote development or share profits.
Guarantee problem:
Most counties and districts require guarantees, such as several households' joint guarantee, wage earners' guarantee, and their own property, land contractual management rights, housing mortgage and so on.
Precautions:
1. The loan application must be used for agricultural production and cannot be lent to others or gambled. In case there is no suitable production project, you can deposit it in the bank first and use it when there is a project.
2. Precision poverty alleviation loans are loans, not poverty alleviation funds. The state gives discount to support the development of poor households, and must pay it back when it expires. We must cherish this policy of benefiting the people.
3. Driven by large households, no matter what way, we must sign an agreement, clarify the rights and responsibilities, and suggest notarization.
4. After poor households apply for loans, they should always ask questions until the loans are in place. First, don't delay the loan opportunity; The second is to prevent loans from being intercepted by others.
agricultural bank
The ways of Agricultural Bank are flexible and diverse. If the conditions are met, farmers can apply for loans in various ways, such as guarantee, mortgage, pledge and farmers' joint guarantee. The method of using money is free and flexible. According to the different ways of using funds, farmers can be divided into self-help recovery mode and general mode. Under the self-service recovery mode, within the approved maximum amount and time limit, the borrower can withdraw money for repayment by self-service borrowing; The specific payment method shall be decided by the borrower and the Agricultural Bank of China through consultation. Deposit interest. Under the self-service recovery mode, farmers can calculate the interest according to the actual days of loan use, which can minimize the interest expenses of borrowers.
Agricultural Bank process:
1. The borrower shall apply to the branch opened by the bank. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license.
2. After receiving the lender's application, the bank will review the lender. The bank mainly examines the personal credit status and personal income status of the lender to decide whether to lend money.
3 through the examination and approval of the bank, signed a loan contract with the bank.
4. The bank lent money, and the lender successfully got the loan.
Personal Business Loan of Agricultural Bank of China:
Agricultural Bank of China's personal business loan is a personal business loan product that needs to be mortgaged, with a maximum loan of 1 00000 and a loan term of1year.
1, and the maximum loan amount is100000;
2. The mortgage ratio is up to 70%;
3. The minimum loan interest rate is about 20% higher than the benchmark interest rate;
4. The loan term is 1 year, and the credit term is as long as1year;
5. Collateral (real estate) with an area of over 50 square meters and a house age of less than 20 years;
Loan terms:
1, and the operating time should be more than 2 years;
2. The longest house age is not more than 20 years, and the real estate area is not less than 50 square meters; 3. The area where the collateral is located should be the location of the loan, and the types of collateral include ordinary houses, villas, shops and office buildings.
The application materials include:
1, ID card, household registration book, marriage certificate and income certificate;
2. Business license, code certificate and tax registration certificate;
3. Articles of Association and capital verification report;
4. Tax payment certificates, financial statements and purchase and sale contracts for the last 3 months.
Personal production and operation loans to apply for personal production and operation loans meet the following conditions:
Individuals aged 1, 18 or above, under 60 years old, with full capacity for civil conduct, good health, permanent residence in the local area and valid identity documents;
2, approved by the administrative department for Industry and commerce and other competent departments, registered according to law, and hold a valid business license and production license; 3. The applicant must have a fixed business place, a clear production and operation plan or a feasible business plan, and the purpose of the loan is clear and legal.
4. The applicant must have a stable operating income and the ability to repay the principal and interest of the loan on time, and the first repayment source is sufficient; The production and operation of private enterprises are in good condition, and there is full net cash inflow during the repayment period.
5. Be able to provide the guarantor and collateral recognized by the lender, and handle legal and effective guarantee procedures.
6. Good conduct, no default or bad credit record, and willingness to accept the credit and settlement supervision of the lender.
7. Open a current deposit account or account with the lending bank.
8. The comprehensive score of personal credit should be above 80 points (inclusive).
9. Willing to accept other conditions stipulated by the lender.
The amount of loan interest mainly depends on the loan interest rate and repayment method of each lending institution.
1. The general loan interest rate fluctuates around the central bank's benchmark interest rate. The benchmark interest rate this year is: the annual loan interest rate is 4.35% from 0 to 6 months (including June), and 4.35% from June to 1 year (including 1 year) and 1-3 years (including 3 years).
There are certain differences in interest rates when actually handling loans. The loan interest rate of ABC is 15~20% personal consumption mortgage. Comprehensive credit loan10 ~ 20%; Capgemini loan 0.65% (month); 30% salary loan.
2. Calculation method of loan interest:
Loan interest of the current month = monthly interest rate of the remaining principal loan of the previous month.
Repayment of principal in the current month = repayment amount in the current month-loan interest in the current month
Last month's remaining principal = total loan amount-accumulated principal repayment
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What are the policies for precise poverty alleviation?
Relevant policies of "precise poverty alleviation"
1. Rural welfare projects. Implement the poverty alleviation policy of poverty alleviation to households.
Relocate the target:
First, farmers living in remote natural villages with harsh conditions;
Second, farmers who live in hidden danger points of geological disasters and are threatened by geological disasters;
Third, farmers living at the source of rivers, nature reserves and ecological reserves need to move;
Fourth, farmers who need to be rebuilt because of natural disasters caused by the collapse of houses;
Fifth, newly-built poor households and five-guarantee households that do not belong to the above four categories will be placed by the local government in a unified manner.
The above-mentioned object enjoyment policy cannot be repeated with the dangerous house renovation policy.
Reporting conditions for provincial centralized resettlement areas:
The first is to build a new resettlement area (the scale of resettlement area is more than 20 households). In 20 16, if the resettlement area plans to build houses in 20 to 50 years or less, and if it plans to build houses in more than 50 years, more than 50 households can be built, and the infrastructure construction will be completed in 20 17.
The second is to expand the resettlement area (the resettlement area is more than 50 households). For those who started construction after 20 13 and have continued to build and expand, centralized resettlement will be given to 100 households and more than 50 households (no less than 30 households and 20 households will be added in 20 16 years), and the infrastructure construction is relatively perfect. In terms of policy, the policy at the national level belongs to poverty alleviation and relocation (the per capita disposable income of rural residents in 20 15 years is 2855 yuan), and the investment in the central budget subsidizes the housing construction of poor households according to the standard of 7000 yuan per capita, and the local government bonds are issued according to the standard of 10000 yuan per capita, and the special construction funds are issued according to the standard of 5000 yuan. At the same time, the provincial Huimin project subsidy policy can be enjoyed. At the provincial level, the relocation object is subsidized by 3000 yuan per capita; Poor households, family planning households, ethnic minorities, poor disabled people and other objects enjoy the policy superposition, that is, the poverty-stricken households with the establishment of the file card will receive an additional subsidy of 3,000 yuan, the family planning households will receive an additional subsidy of 3,000 yuan, the ethnic minorities will receive an additional subsidy of 1 10,000 yuan, and the family population of poor disabled people will increase by 1 10,000 yuan; "Five Guarantees" relocation object subsidy per household 15000 yuan. In addition, the relocation of provincial-level standard poor people will increase by 7,000 yuan per person. The subsidy funds for infrastructure construction in centralized resettlement areas will be increased from 20 households to 99 households, and 20 households will be subsidized by 200,000 yuan, so that each additional household will be subsidized by 10/00,000 yuan; If there are more than 100 households, on the basis of the subsidy of 10.5 million yuan, each additional 1 0 households will be subsidized by110,000 yuan; On the basis of the subsidy of 3 million yuan for more than 200 households, the subsidy of 10 households will be increased. Municipal policy, centralized resettlement area infrastructure construction grant funds, more than 20 to 49 households, giving 50 thousand yuan subsidy; More than 50 to 99 households, giving 6.5438+10,000 yuan subsidy; If the number of households exceeds 100, a subsidy of150,000 yuan will be given. Resettlement methods: centralized resettlement, decentralized resettlement, monetization resettlement and other resettlement methods can be adopted. Encourage five-guarantee households to stay in happy homes and nursing homes for the unified placement. Fund management: special management, special account accounting and special fund use shall be implemented for subsidy funds.
Farmers' housing subsidy funds are directly distributed to households in the form of one card (discount). It is strictly forbidden to misappropriate subsidy funds in disguised form through rural transfer under any pretext, and resolutely investigate and deal with acts of impersonation, deduction, arrears of subsidy funds and asking farmers for "kickbacks" and "handling fees".
Operating procedures: adhere to the principles of openness, fairness and justice, give priority to helping farmers with the most dangerous housing and the poorest economy, and solve the most basic safe housing. On the basis of farmers' willingness, strictly determine the beneficiaries of the project, and it is strictly forbidden to include non-agricultural registered permanent residence in the relocation and transformation.
The specific operation steps are as follows:
First, farmers apply. Farmers who meet the conditions of beneficiary projects submit written applications to their village committees, and provide copies of household registration books, family planning households, disabled people, five-guarantee households, poverty-stricken households with filing cards and other relevant certification materials.
The second is collective appraisal. The villagers' committee shall convene a villagers' meeting or a villagers' representative meeting for democratic appraisal, and publicize it in the village affairs column. Publicity without objection, fill in the "Fujian Huimin project approval form" and report it to the township (town) government.
The third is household audit. The township (town) government organizes personnel to conduct household audit. If the audit meets the requirements, the township (town) government shall sign an opinion and report it to the county (city, district) Agricultural Bureau (Nongban, Poverty Alleviation Office), and the audit results shall be publicized in the village affairs column.
The fourth is to approve publicity. The county (city, district) shall review the materials submitted by the township (town), and those that meet the conditions of the subsidy object shall be examined and approved, and the examination and approval results shall be publicized in the village affairs column. The publicity contents include: the name of the head of household, family population, family income, family housing, etc.
The fifth is the completion acceptance. After the acceptance of a household is completed, financial subsidies will be given. All procedures must be carefully organized and implemented in accordance with the regulations, especially in the village affairs publicity column for three times (each publicity time is not less than 7 days), and separate digital photos are left for inspection.
2. Medical assistance. Medical assistance object:
The first category: poor households (rural five guarantees; Urban "three noes" personnel, that is, those who have no ability to work, no source of income, and are unable to support, support, or support their obligors or those who are unable to support them);
The second category: low-income recipients, poverty-stricken people with established files, key special care recipients (including the revolutionary "five seniors"), special family members of family planning, and severely disabled people [refers to those who hold the second-generation China People's Disabled Persons' Card and have physical, intellectual, mental, visual, language, hearing and other disabilities that are difficult to take care of themselves in social life, and the disability level is above level 2.
The third category: the elderly, minors and seriously ill patients in low-income families;
The fourth category: seriously ill patients from poor families due to illness.
Ways and standards of assistance:
(1) Sponsor participation. The key relief objects will be funded by individual contributions to participate in the basic medical insurance for urban residents or the new rural cooperative medical system. Give full subsidies to the first and second types of relief objects to ensure their access to basic medical insurance services.
(2) Special outpatient assistance. Special outpatient assistance is a medical assistance that needs long-term medication due to chronic diseases or long-term outpatient treatment due to serious diseases, resulting in high self-funded expenses. For outpatient special diseases determined by the basic medical insurance for urban and rural residents, the proportion of outpatient special assistance is 60% of the compliance medical expenses borne by individuals after reimbursement of basic medical insurance.
(3) Hospitalization assistance. Among the hospitalization expenses incurred by the designated medical institutions of urban and rural basic medical insurance, 90% of the first-class relief objects and 70% of the second-class relief objects are given assistance within the annual relief limit for the compliance medical expenses borne by individuals after reimbursement of basic medical insurance, serious illness insurance for urban and rural residents, various supplementary medical insurance and commercial insurance.
(4) One-time fixed assistance. The medical expenses incurred by the third category of relief objects in hospitalization due to illness during the year, after being reimbursed by basic medical insurance, serious illness insurance for urban and rural residents, various supplementary medical insurance and commercial insurance, are still difficult for individuals to pay by themselves, and they may apply for one-time fixed assistance.
(5) assistance for serious and serious diseases. After the medical assistance recipients suffering from serious and serious diseases enjoy basic medical insurance, serious illness insurance for urban and rural residents, various supplementary medical insurance, commercial insurance and other social assistance, the medical expenses borne by the remaining individuals shall be paid in advance. If the medical expenses are high, exceed the family's affordability and have serious difficulties in basic living, you can apply to the county-level civil affairs department for medical assistance for serious diseases.
3. Financial aid for students with difficulties. Focusing on poor families identified by the poverty alleviation department and low-income families (including poor people) identified by the civil affairs department, we will accurately locate students with financial difficulties from full-time students' families and implement diversified educational support and funding. The first is pre-school education funds. Children from poor families, children from low-income families (including poor people), orphans or disabled children, children of martyrs or children from families with special care will be subsidized according to the standard of 2000 yuan per student per year. The second is compulsory education funds. For boarding students in rural compulsory education public boarding schools and urban and rural compulsory education public boarding schools, students from families with financial difficulties and students from low-income families (including poor people), subsidies will be given according to the standard of 1000 yuan per student per year; At the same time, the boarding students from poor families and low-income families (including poor people) who set up their cards in public boarding schools for urban and rural compulsory education will be given living allowance according to the standards of 1.000 yuan per primary school student and 1.250 yuan per junior high school student. The third is the general high school education funds. Students from poor families, students from low-income families (including poor people), orphans or disabled students, children of martyrs or children of families with special care recipients are subsidized by 3,000 yuan per student per year according to the national scholarship standard; From the fall semester of 20 16, students from poor families (including disabled students from poor families, students from low-income families, and students helping the poor in rural areas) will be exempted from tuition and miscellaneous fees. Fourth, secondary vocational education funds. Full-time students in secondary vocational schools (including technical schools) are free of tuition fees, and students from poor families, students from low-income families (including poor people) and students from disabled families with financial difficulties are subsidized according to the national scholarship standard of 2000 yuan per student per year. Fifth, general higher education funds. Students from poor families and low-income families (including poor people) can apply for a national student loan without submitting proof of family financial difficulties, with an annual income of 8,000 yuan for each student and12,000 yuan for graduate students. The loan interest of students during their school days is fully subsidized by the government. Students with financial difficulties from families, low-income families (including poor people) and disabled families are given financial assistance according to the national grant standard of 4,000 yuan per student per year, and priority is given to freshmen's admission subsidies, work-study programs, scholarships in schools, subsidies for difficulties, tuition fee reduction and exemption, etc. Sixth, financial aid to minority students. According to the annual stipend of junior high school students 1.000 yuan, the annual stipend of senior high school students 1.600 yuan; At the same time, for ordinary high school students with financial difficulties, low-income families (including poor people) and ethnic minority students with financial difficulties, they will be given financial assistance of 3,000 yuan per student per year according to the national scholarship standard.
4. Promote the whole village. Poverty alleviation policy for comprehensive development in rural areas. Determine the key villages for poverty alleviation and development by stages and implement the whole village promotion. Key villages in the province implement the working mechanism of "linking departments, matching funds and cadres staying in villages", and continue to select outstanding cadres from provincial organs and central units stationed in Fujian to serve as the first secretary in key villages for a term of three years to do good deeds, do practical things and solve difficult problems for the people in key villages. We will continue to bundle some funds concentrated in Fujian Province and relevant central units to support the construction of key poverty alleviation and development villages at the provincial level. Every year, the province arranges more than 300,000 yuan of help funds for each provincial key poverty alleviation and development village through multiple channels, and the provincial finance will co-ordinate the bundled funds in the medium term, with 200,000 yuan for each village; In the village where the enterprise is affiliated, the annual support fund of the enterprise shall not be less than 200,000 yuan. Starting from 20 15, poverty-stricken minority villages with annual per capita disposable income less than 4,500 yuan will be included in the fourth round of poverty alleviation and development in the whole village, and each village will be given 200,000 yuan of financial support every year. Municipal key villages adopt the poverty alleviation and development mechanism of "interactive linkage and integrated operation", rely on government departments, gather the resource advantages and strength of government departments to the linkage villages, and link them with provincial projects and policies, and arrange 15 villages for departmental linkage assistance in each period, and the municipal finance arranges 200,000 yuan of infrastructure construction funds for each village every year.
5. Poverty alleviation microfinance. Poverty alleviation policy of mobilizing credit resources. First, micro-credit discount funds. The object and scope of application of interest subsidy for poverty alleviation microfinance: interest subsidy is given to the loans of poor households who have set up a card. The amount of subsidized loans for poor households does not exceed 50,000 yuan, and the discount standard is 5% of the actual loan amount. The discount period is generally 1-2 years, and the longest is not more than 3 years. On the basis of ensuring the demand for discount loans from poor households, we will provide discount loans to large households, family farms, farmers' cooperatives and leading agricultural enterprises that can promote the development of poor households. The project owner can apply for a loan amount of not more than 50,000 yuan per household, but the maximum amount is not more than 500,000 yuan, and the longest discount period is 1 year. The second is the microfinance risk protection fund. The government provides unsecured guarantee for poor households to develop production and service loans. Poor households can enjoy unsecured guarantee with a loan amount of less than 50,000 yuan per household and a loan period of less than 3 years. On the basis of ensuring the loan demand of poor households, we will provide loan guarantees to large farmers, family farms, farmers' cooperatives and leading agricultural enterprises that can promote the development of poor households.
6. "Rain and Dew Plan". Poverty alleviation policy of leaping development in poverty-stricken areas. Carry out practical agricultural technology and vocational skills training for poor households who have set up files and set up cards.
What is the interest rate of 20 17 precision poverty alleviation loan?
Preferential interest rate of 3% per annum.
The loan target is poor farmers who set up files and cards. The loan amount is 1 to 50,000 yuan per household and the term is 1 to 3 years. The loan shall be subject to the national benchmark interest rate for the same period, with annual interest settlement and full discount by the provincial finance.
On July 201May 16, the first signing ceremony and kick-off meeting of the special loan for precision poverty alleviation in Gansu Province was held in Lanzhou.
According to the notice recently issued by the Gansu Provincial Department of Finance and other departments, the Provincial Department of Finance, together with relevant financial institutions in the province, plans to implement the "Special Loan Project for Precision Poverty Alleviation" in 58 poverty-stricken counties and 17 poverty-stricken counties. 2065,438+05-2065,438+07,970,000 households, 465,438+filed cards.
Extended data
The financial discount for poverty alleviation loans is as follows:
1. discount range of poverty alleviation loans
From June 5438+1 October1day, 2000, according to the scale of the annual poverty alleviation loan plan determined by the State Council (including new poverty alleviation loans that were added that year, re-borrowed, and did not expire in the previous year), the central government will give interest subsidies within the planned quota. Poverty alleviation loans issued before 1998 will no longer be discounted.
2. The discount ratio of poverty alleviation loans
According to the State Council, "since 2000, new poverty alleviation loans, refinancing poverty alleviation loans and new poverty alleviation loans that did not expire in the previous year have all been included in the poverty alleviation loan plan of that year.
3. The discount period of poverty alleviation loans
According to the State Council, "since 2000, new poverty alleviation loans, refinancing poverty alleviation loans and new poverty alleviation loans that did not expire in the previous year have all been included in the poverty alleviation loan plan of that year.
4. Discount settlement of poverty alleviation loans
The discount on poverty alleviation loans shall be settled according to the facts on a quarterly basis, and shall be settled with the head office of the Agricultural Bank after being audited by the Ministry of Finance. Agricultural banks at all levels and financial departments (bureaus) and poverty alleviation offices of provinces (autonomous regions and municipalities directly under the Central Government) must do this work seriously, timely, truly and accurately in accordance with the regulations.
The risks of poverty alleviation loans are as follows:
1. Due to the actual economic situation of the loan object and legal person supported by the poverty alleviation loan itself, it is impossible to provide guarantee for the loan, which makes the poverty alleviation loan lack risk protection.
2. Because most of the agricultural banks in poverty-stricken areas are poor lenders, most of the funds needed for poverty alleviation loans are borrowed from higher-level banks, and the capital cost is high, and some even have upside-down loan interest rates, resulting in the more poverty alleviation loans are issued, the greater the losses of banks.
3. It is difficult to get the discount on poverty alleviation loans in place. From 1998 to the end of 2002, the cumulative loss of poverty alleviation loans of Agricultural Bank of Xiangxi Autonomous Prefecture was139.22 million yuan, of which the outstanding spread caused by the change of interest subsidy policy was 21300,000 yuan and the outstanding spread was 8.73 million yuan. Because the interest rate is upside down, the spread subsidy is not in place, and the risk of poverty alleviation loans is even heavier.