The collective property can be pledged or mortgaged for bank risk assessment and loans.

The loan targets are rural youth who are under 40 years old (inclusive), in good health, have full capacity for civil conduct, abide by the law, are honest and trustworthy, have no bad credit records, and have entrepreneurial aspirations and a certain foundation.

Article 6

The borrower should meet the following conditions:

(1) The production and business activities engaged in are legal and compliant, and comply with national industrial policies and social policies. Development planning requirements;

(2) Have specific entrepreneurial projects, business premises and certain self-owned funds;

(3) The borrower opens a personal settlement account at the local rural credit cooperative and If there is a certain amount of business, voluntarily accept credit supervision and settlement supervision;

(4) Have good credit standing, have the ability to repay the principal and interest of the loan, and have no bad credit record;

(5) Rural credit Other loan conditions stipulated by the company.

Article 7

Small loans for rural youth entrepreneurship can be provided in the form of guarantees such as small credit, mortgage, pledge, natural person guarantee and legal person guarantee.

Article 8

The loan amount for rural youth entrepreneurship small loans shall be based on the borrower’s venture capital scale, moral character, credit record, own funds, operating capabilities, repayment Credit rating is based on factors such as debt capacity. Credit loans are available to those who meet the conditions of credit users, but the limit is in principle controlled within 30,000 yuan, and the maximum is no more than 50,000 yuan; the loan limit for mortgage, pledge and guarantee (including joint guarantee) is determined according to the actual situation of the borrower.

Article 9

The term of small loans for rural youth entrepreneurship must match the actual purpose of the loan, the production cycle, and the source of repayment, and shall not exceed 3 years.

Article 10: In principle, the interest rate of small loans for rural youth entrepreneurship shall not exceed the benchmark interest rate of the same grade for the same period announced by the People's Bank of China by 20%.

Article 11

Small-amount loans for rural youth entrepreneurship can only be used for the operation of specific entrepreneurial projects.