Photovoltaic poverty alleviation loan target:
__ 1. Wholly-owned and holding enterprises funded by local governments and not listed in the supervision.
__2. Central enterprises and their subordinate enterprises (second-class companies).
__3. Projects jointly established by non-state-controlled listed enterprises and local industries (three types of companies).
__4. The original local enterprises were restructured to form modern enterprises, and their local government debts were properly handled, and it was clearly announced that they would no longer undertake the photovoltaic poverty alleviation task of government financing entities in the future.
__5. Other mixed-ownership enterprises and private enterprises with good credit.
_ _ Term, interest rate, amount and method of photovoltaic poverty alleviation loan:
__ 1. Loan term. According to the borrower's comprehensive solvency, project construction progress, etc. , the longest does not exceed.
__2. Loan grace period. According to the construction period of the project, an appropriate grace period is given, generally 1 year, and the longest is no more than 2 years.
__3. Operating principle of loan profitability, preferential loan interest rate, and power of attorney that is lower than the benchmark interest rate of the People's Bank of China by 0- 10% shall prevail.
__4. The loan rating should be reasonably determined according to the loan demand, the borrower's capital demand and debt repayment measures.
__5. Loan method. Generally, secured loans are adopted for projects, and the amount of guarantee must cover the combination of loans, mortgages and pledges during the loan duration, so as to optimize the guarantor.
Photovoltaic loan is a credit policy issued by the central bank to encourage the development of emerging industries, which requires all banking institutions to support the development of photovoltaic industry, and photovoltaic loan is one of the synchronous forms. "Photovoltaic loan" is a special loan with good credit status and stable income source within its jurisdiction, which is used to pay for complete sets of equipment of distributed photovoltaic power stations. The loan amount is controlled within a certain proportion of the total installation of "photovoltaic" facilities. In principle, the original loan for personal loans does not exceed 500,000 yuan, and the longest term can reach 5-8 years. Repayment is flexible, and you can choose to repay according to the principal.
Second, the photovoltaic loan policy
Legal analysis: photovoltaic loan is a new policy introduced by banks, but its popularity is not very wide. Families who want to install photovoltaics can go to banks that support photovoltaic loans. At present, China Agricultural Development Bank, Postal Savings Bank and Jiangsu Bank, etc. You can apply for a photovoltaic loan. These banks have different policies. For example, China Agricultural Development Bank has its own management measures, and the loan term cannot exceed 15 years. Due to the special nature of the project, the grace period will be appropriately extended according to the project construction cycle.
Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Third, can photovoltaic power generation be loaned?
According to the latest policy, China Agricultural Development Bank can provide photovoltaic loans.
4. What are the conditions for the lease contract loan of photovoltaic power generation?
The loan conditions are the materials that borrowers generally need to prepare to apply for bank loans from enterprises and institutions with good credit status and no major bad records and self-employed individuals with full civil liability according to the Opinions on Supporting Distributed Photovoltaic Power Generation Financial Services formulated by China Development Bank and National Energy Administration, and the natural person's identity certificate, personal assets certificate or company articles of association in the past three years, and the financial audit report of the grid-connected project is filed.