Project precision poverty alleviation loans in unit precision poverty alleviation loans include ex situ poverty alleviation and relocation loans, farmland capital construction loans, ecological environment transformation loans and rural infrastructure loans.

Ex situ poverty alleviation and relocation loan: ex situ poverty alleviation and relocation refers to the ex situ relocation and resettlement of rural poor people in areas with poor living and development environment, which fundamentally improves their living and development environment. Ex situ poverty alleviation loan is to help these people get rid of poverty and become rich.

Loans for farmland capital construction: refers to loans used to build small-scale farmland water conservancy facilities, transform large-scale irrigation areas, transform low-and medium-yield fields, and improve the quality of cultivated land and the ability of agricultural disaster prevention and mitigation.

Loans for ecological environment transformation: loans for projects such as returning farmland to forest and grassland, shelter forest construction, rocky desertification control, sand prevention and control, wetland protection and restoration, comprehensive improvement of sloping farmland, returning grazing to grassland, and water ecological control in poverty-stricken areas.

Rural infrastructure loan: the loan is mainly used to solve the borrower's capital needs in rural road network, power grid, water network, information network, rural energy and environmental facilities construction.

2. What are the precise poverty alleviation projects in rural areas? What are the procedures for applying for poverty alleviation loans?

First, the application for special loans for poverty alleviation with precise purposes can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation, and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types. Second, the application method 1. Poor households apply for direct loans to poor households. 2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises). 3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

3. What do you mean by precise poverty alleviation? Is it a loan?

Efforts should be made to solve the problem of "who to support, who to help, how to help and how to retire".

"six precisions"

First, the target of poverty alleviation is accurate;

Second, the goal of poverty alleviation is accurate;

Third, the content of poverty alleviation is accurate;

Fourth, the poverty alleviation method is accurate;

Fifth, the poverty alleviation evaluation is accurate;

Sixth, the poverty alleviation guarantee is accurate.

4. Who will repay the precise poverty alleviation loan, and is there any interest?

one

Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building, etc. , determined by the township guidance. Rich people, rural cooperative organizations and leading enterprises independently use loans according to their respective industrial types.

Second, the application method of precision poverty alleviation loans

1, poor households apply for direct loans from poor households.

2, poor households apply for loans to poor households, poor households give money to the industry) visa dividend agreement.

3, poor households to apply for, industry) must be signed with poor households to promote development or dividend agreement.

Third, the application conditions for precision poverty alleviation loans

1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production strategy;

4. Have the willingness to lend and the ability to develop independently;

5. It can drive poor households who lack the ability to get rich (they must be poor households who set up files and set up cards) to increase income and get rid of poverty;

6. The lender needs to sign an agreement with the competent department of poverty-stricken industries to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan;

7. If the lender is an enterprise legal person, its legal representative must have legal and valid certificates such as business license, organization code certificate, tax registration certificate and production and operation license. Except for the aforementioned condition 1 to 4.

Fourth, the amount and duration of applying for precise poverty alleviation loans.

1, the poor households are calculated according to the loan amount of 1 ten thousand yuan per person), and the loan amount of each household is controlled within 5 years according to the borrower's 3-year loan amount.

2. The loan amount and term of the rich, rural cooperative organizations and leading enterprises shall be comprehensively examined and determined by the town government according to the number of poor households driven by its assistance. In principle, the loan amount shall not exceed the loan amount of poor households driven by it for no more than 3 years.

Verb (abbreviation of verb) applies for precise poverty alleviation

The loan interest rate is subject to the benchmark interest rate of the People's Bank of China for the same period. The loans of poor households are settled and discounted every year, and the interest generated by the lender during the loan period applies to the Provincial Department of Finance for full discount. The interest settlement date is 65438+ February 20th every year. It is not allowed to carry out interest and penalty interest on overdue loans arising from the original and other "pay first and then post" default behaviors.