I. Scope of application
Shantou, Shaoguan, Heyuan, Meizhou, Huizhou, Shanwei, Yangjiang, Zhanjiang, Maoming, Zhaoqing, Qingyuan, Chaozhou, Jieyang, Yunfu 14.
Second, lending institutions.
Shantou, Shaoguan, Heyuan, Meizhou, Huizhou, Shanwei, Yangjiang, Zhanjiang, Maoming, Zhaoqing, Qingyuan, Chaozhou, Jieyang and Yunfu Agricultural Cooperative Organizations 14.
Third, the loan object
Poor households with full civil capacity, loan willingness, employment and entrepreneurship potential, development projects, skills and quality, certain repayment ability, law-abiding, honest and trustworthy, and no bad credit record and bad behavior record. Each poor household can only apply for loans from the main members of the family, and other members are not allowed to apply for loans repeatedly.
Four. Purpose of loan
Mainly used for the development of family farming, family simple processing, family tourism, rural e-commerce and other production and operation projects, the purchase of small agricultural machinery, investment in local new agricultural business entities, photovoltaic, hydropower and other income-generating projects. May not be used for purchasing daily necessities, building houses, treating diseases, sending children to school and other non-production and business projects.
Verb (abbreviation for verb) loan amount
According to the comprehensive factors such as the loan purpose, credit status and repayment ability of the loan object, the institutions under the jurisdiction of the provincial rural credit cooperatives determine that the maximum credit line of the loan is 50,000 yuan (which can be increased to 6,543,800 yuan for those who purchase small loan guarantee insurance).
Intransitive verb loan term and interest rate
The term agreed by both borrowers and lenders is generally 1-3 years. The loan interest rate is applicable to the benchmark interest rate of the People's Bank of China at the same period and level.
Seven. Loan method
Loans are generally issued by credit, including one-time credit, loan at any time, repayment at any time and recycling.
Eight, the loan discount
Give full discount to the poverty alleviation micro-credit of poor households who have established the card. The required discount interest funds are solved by the county (city, district) Finance Bureau and the Poverty Alleviation Office in the financial poverty alleviation and development funds.