The current situation of developing micro-credit for farmers in 2022: development. Rural commercial banks provide funds for farmers to start businesses and develop local characteristic industries, which solves the problem of "loan difficulty" for some farmers and is an important starting point for supporting rural economy and comprehensively promoting rural revitalization.
Second, how can microfinance develop sustainably?
Under China's special financial system, the financing difficulties of micro-economic entities such as small and medium-sized enterprises and self-employed individuals are very prominent. There are a large number of small and medium-sized enterprises, among which small and medium-sized enterprises account for 48% of the total domestic enterprises and micro-enterprises account for 50%. Companies that serve farmers, individual industrial and commercial households and small and micro enterprises make up for the gaps in the financial system to some extent.
According to the data of China Deep Investigation and Investment Strategic Planning Analysis Report released by Forward-looking Industry Research Institute, the company's loan balance increased from 7664 1 billion yuan in 2009 to 704.3 billion yuan in June of 20 13, an increase of nearly 6.5438+00 times in less than five years, and the annual new loans exceeded 1000 billion yuan. However, if we look at the average loan balance of small loan companies, it seems that the operating efficiency of small loan companies has not been greatly improved.
If small loan companies want to achieve sustainable development in the future, they must go out of the mode of "fighting for money" relying on shareholders' capital investment, and at the same time need to have a stronger "hematopoietic" function. Forward-looking Industry Research Institute suggested that funds can be obtained through the following ways: increasing the leverage ratio of small loan companies; Lend wholesale funds provided by the government or low-cost wholesale funds borrowed from banks and funds to small and micro enterprises with small loan companies as the lending platform; Clarify the legal subject status of microfinance companies; Encourage small loan companies to issue stocks and bonds to solve the capital problem through direct financing; Encourage small loan companies to carry out trust asset repurchase business and revitalize funds.
I hope my answer can help you.
Third, the new deposit standard of rural commercial banks in 2022?
Table of deposit interest rates of rural credit cooperatives in 2022; Central bank deposit benchmark interest rate in 2022.
The interest rate of village deposits and loans of rural credit cooperatives is based on the benchmark interest rate of the central bank. According to the data of official website, the benchmark interest rate of the central bank in 2022 is: 0.3% for current account, 0.35% for three months, 0.55% for six months, 0.75% for one year, 2.25% for two years, 2.75% for three years and 5 years. As a rural commercial bank, all districts and counties are independent legal persons, and can set the floating ratio according to the benchmark interest rate and their own situation.
1, 2022 rural credit cooperatives deposit interest rate table
project
Personal deposit%
Unit deposit%
Deposits of urban and rural residents and units
(1) demand deposit
0.3
(2) Time deposit
1, lump-sum deposit and withdrawal
three months
1.4
1.4
half a year
1.56
1.55
1 year
1.95
1.75
It's been two years.
2.52
2.25
three years
3.2
2.75
five years
3.3
2.95
2. lump-sum deposit and withdrawal, deposit and interest.
1 year
1.4
-
three years
1.56
-
five years
1.95
-
3. Life and work.
Lump sum deposit and withdrawal within one year
The interest rate of the same grade is 60% off.
-
Two. Agreement deposit
1
Three. deposit at notice
one day
0.55
seven days
1. 1
2, 2022 rural credit cooperatives loan interest rate table
deadline
Interest rate%
One year (LPR 1)
3.8
More than five years (LPR5)
4.65
4. What should I do if I want to borrow a small loan from a rural credit cooperative?
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.