Conditions for applying for poverty alleviation loans: 1. He is between 18 and 60 years old, has a fixed residence and has full capacity for civil conduct. Two, hold a valid identity document, have the ability to repay, and no bad credit record. Three, engaged in production and business activities in line with national laws and regulations and industrial policies. Fourth, have the willingness to borrow and the ability to develop independently. Five, can drive the poor farmers who lack the ability to get rich (must be poor households who set up files and set up cards) to increase income and get rid of poverty, rural cooperative organizations and leading enterprises in agricultural industrialization. 6. The lender shall sign an agreement with poor households, village committees, town governments and industry authorities 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. Poverty alleviation loan is a policy loan business undertaken by domestic financial institutions. It is an important part of poverty alleviation and development in China. There are two main forms of distribution: one is small poverty alleviation loans to households; The other is poverty alleviation loans and infrastructure construction for leading enterprises. 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, all the new poverty alleviation loans, refinancing poverty alleviation loans and new poverty alleviation loans that did not expire in the previous year have been included in the poverty alleviation loan plan of the year; According to the decision of the Ministry of Finance to give discount according to the annual poverty alleviation loan plan, the central finance will give discount within the scale of the annual poverty alleviation loan plan approved by the State Council, and in principle it will only be posted for one year. 3. The discount period of poverty alleviation loans. According to the State Council, "since 2000, all the new poverty alleviation loans, refinancing poverty alleviation loans and new poverty alleviation loans that did not expire in the previous year have been included in the poverty alleviation loan plan of the year; According to the decision of the Ministry of Finance to give discount according to the annual poverty alleviation loan plan, the central finance will give discount within the scale of the annual poverty alleviation loan plan approved by the State Council, and in principle it will only be posted for one year.
Second, the interest-free loan process for poor households?
First, poor households can apply for loans, but do not accept interest-free loans unless the following conditions can be met:
1. The borrower has family difficulties and needs state support;
2. The borrower is honest and trustworthy;
3, the borrower to apply for loan support projects, is a national policy;
4. The borrower has full capacity for civil conduct and repayment ability.
Second, the application method
1, poor households apply for direct loans from 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.
Three, China poverty alleviation support object need to have what conditions?
help the poor
(a) the loan object and conditions:
1. Application conditions for poor rural households with filing cards: The production and business operation place is located in this district, aged 18 to 60 years old, and they have the willingness to lend, the potential for employment and entrepreneurship, the skills and quality, and certain repayment ability and credit.
2, farmers' professional cooperatives, family farms, specialized households and other new rural business entities to declare conditions:
(1) Comply with national industrial policies, industrial development plans, poverty alleviation industrial plans, poverty alleviation and development policies and relevant laws and regulations;
(2) Outstanding resource advantages, obvious regional characteristics and great market potential can drive the development of local related industries, and the supporting effect is recognized by poor households;
(3) It has a strong radiation-driven role in poverty alleviation. It can directly arrange the employment of children of poor farmers, directly or indirectly increase the income of rural poor people, and sign agreements with poor households who have established files to help them get rid of poverty.
(II) Purpose of the loan: It can only be used for production and operation projects of new rural business entities such as poor households or farmers' professional cooperatives, family farms and large professional households, mainly including agriculture, forestry, animal husbandry, fishing and modern service industries.
(3) Loan amount: the maximum single loan for poor households with established files shall not exceed 65,438+10,000 yuan; The maximum loan amount of new rural business entities such as farmers' professional cooperatives, family farms and large professional households does not exceed 6,543,800 yuan.
(4) Guarantee method: In principle, poor households apply for poverty alleviation by adopting mortgage-free and guarantee-free credit loans. If it is determined by the investigation of the banking institution that the borrower really expects greater risks, it may require the borrower to add corresponding mortgage collateral or guarantor; Loans for new rural business entities are mainly in the form of mortgage or guarantee.
(V) Loan term: The loan term is reasonably determined according to the production and operation conditions of the borrower, which is generally 65,438+0 years, and the longest is no more than 2 years.
(VI) Repayment method: The repayment method is one-time repayment or installment repayment.
(7) Loan interest rate: The execution interest rate is calculated according to the benchmark interest rate of the same grade published by the People's Bank of China.
(8) Loan discount: For loans from poor households and new rural business entities, the district finance will give full discount at the benchmark interest rate.
4. What are the conditions for poverty alleviation loans?
1. The applicant must be a citizen of China with full capacity for civil conduct and have a fixed residence, aged between 18 and 60.
2. In addition, the applicant must have repayment ability, no bad credit record, loan willingness and independent development ability.
Three, engaged in production and business activities in line with national laws and regulations and industrial policies, can drive the lack of wealth.
Four, the lender shall sign an agreement with the village committee, the town government and the competent department, and the lender shall be a cooperative organization or a leading enterprise.
Five, loan photos, organization code certificate, tax registration certificate, production and business license and other legal and valid documents. If the overall conditions are met, you will not be able to apply for the corresponding loan for one day. Poverty alleviation loans are mostly interest-free loans or many projects linked to the government, such as student loans for college students and national poverty alleviation and disaster relief projects.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated monetary and monetary funds out in the form of loans, which can meet the needs of supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Microfinance:
1. Review risks.
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications and qualifications of loan subjects.
In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.
Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. After reviewing the loan, we made a professional judgment on the relevant facts in legal and financial aspects. In practice, most loan review processes are not very strict and in place.
2. The legal content of pre-loan investigation.
Review the legal status of the borrower when the borrower's law is established. If it is an enterprise, it shall examine whether the borrower is established in accordance with the law, whether it has the qualifications and qualifications to engage in related businesses, and whether the business license and capital-related certificates have passed the annual inspection or relevant verification.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender. With regard to the guarantee, for the guarantor, the qualification, reputation and performance ability of the guarantor should be investigated.
3. The borrower and its responsible person shall also be specially examined. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When granting loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel, including:
We must strictly control the corporate loans of key personnel such as the chairman, general manager, factory director and manager who gamble, take drugs, go whoring, keep mistresses, frequent dance halls and saunas, excessively arrange weddings and funerals, buy luxury cars that are not commensurate with their economic strength, and often rent luxury hotels.