Can farmers apply for loans? How to apply?
Farmers can apply for loans in the following ways: personal micro-credit loans of credit cooperatives: rural credit cooperatives have micro-loans for farmers and generally need to apply for loan cards. Loans are issued in the form of credit loans, and the loan amount is usually low, generally within 30,000 yuan. After receiving the application, the rural credit cooperatives shall evaluate the applicant's credit rating, and according to the evaluated credit rating, verify the credit loan amount of the corresponding level and issue loan vouchers. When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving the loan application, the rural credit cooperatives shall review the purpose and amount of the loan and issue the loan after passing the examination. Loans are issued in the form of credit loans, and the loan amount is usually low. The general amount of micro-credit loans for farmers is controlled at 5000 ~ 65438+ 10,000 yuan, and the specific amount varies from place to place. Credit cooperatives also have farmers' joint guarantee loans, and three or five farmers form a joint guarantee group to guarantee each other's loans. The loan amount of joint guarantee is relatively higher than the personal credit loan amount. Small loan of Postal Savings Bank: The small loan of Postal Savings Bank refers to the loan issued to farmers to meet their capital needs for agricultural planting, breeding or other production and business activities related to rural economic development. This kind of loan requires a natural person's guarantee or joint guarantee, with a maximum loan of 50,000 yuan. China Agricultural Bank's small loan for farmers: China Agricultural Bank's small loan is a small natural person loan issued by China Agricultural Bank to individual farmers' family members. Only one family member per household can apply for small loans from farmers. Agricultural Bank of China's farmers' loans generally have no credit form, and need to be applied by means of guarantee, mortgage, pledge and farmers' joint guarantee. What are the precautions for farmers' microfinance?
According to the current regulations, loans can only be used for agricultural production expenditures such as planting and aquaculture; Agricultural machinery loan; Small credit loans for farmers can only be used for agricultural services before, during and after delivery and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school. When applying for a loan, farmers should pay attention to the amount indicated on the loan certificate and apply within the prescribed scope. The guarantor of postal savings loans is generally required to be a civil servant or a teacher. Farmers ' professional cooperatives
What are the conditions for farmers' professional cooperatives and their members to apply for loans?
The loan amount of farmers' professional cooperatives and their members is reasonably determined according to their credit status, assets and liabilities, comprehensive repayment ability and operating efficiency. The loan amount of farmers' professional cooperatives shall not exceed 70% of their net assets in principle. Farmers' professional cooperatives and their members can implement preferential loan interest rates, and the specific preferential margin is determined by the county (city, district) cooperatives and rural cooperative banks according to the interest rate policy and relevant regulations of the People's Bank of China and local conditions. Members of farmers' professional cooperatives do not enjoy preferential interest rates if their business projects exceed the business scope stipulated in their articles of association. Loan conditions of farmers' professional cooperatives: approved and registered by the administrative department for industry and commerce, and obtained the business license of farmers' professional cooperatives as a legal person; Have a fixed place for production, operation and service, and engage in production, operation and service activities stipulated in the articles of association of farmers' professional cooperatives according to law, and the proportion of self-owned funds shall not be less than 30% in principle; Having a sound organizational structure and financial management system, and being able to submit relevant materials to the rural credit cooperatives on time; Open a deposit account in a bank applying for a loan and voluntarily accept credit supervision and settlement supervision; Have the ability to repay the principal and interest of the loan, without non-performing loans and default interest; Other conditions stipulated by the bank. Membership loan conditions: a natural person who has reached the age of 18 and has full capacity for civil conduct, labor or business; The domicile or fixed residence (fixed business place) is within the service area of the Bank; Have a legitimate and stable income and the ability to repay the principal and interest of the loan on schedule; Open a deposit account in a bank; Other conditions stipulated by the bank. Can farmers' professional cooperatives and their members mortgage loans with land?
The loans of farmers' professional cooperatives are guaranteed, mortgaged or pledged, and the loans of farmers' professional cooperatives members adopt "farmers' joint guarantee+mutual fund guarantee", "farmers' joint guarantee+farmers' professional cooperatives guarantee" or other guarantee methods. It should be noted that the Guarantee Law, the Property Law, the Rural Land Contract Law and the Land Management Law stipulate that the right to contracted management of land and the right to use the homestead shall not be mortgaged.
family farm
Can a family farm get a loan?
20 13 In July, China Agricultural Bank issued the Measures for the Administration of Loans for Large Professional Households (Family Farms) of China Agricultural Bank, which stipulated that the loan amount for large professional households and family farms should be increased to100000 yuan, which can be used for farmland infrastructure construction and land transfer payment, and the longest loan period is 5 years. What are the forms of mortgage or guarantee for family farm loans?
In order to solve the problem of rural guarantee, Agricultural Bank of China has innovated the guarantee methods such as agricultural machinery and tools mortgage, agricultural and sideline products mortgage, forest right mortgage, new rural property right mortgage, "company+farmer" guarantee and professional cooperative guarantee, and also allowed credit loans to qualified customers. But the land transferred from the family farm cannot be used as mortgage. According to the regulations, the borrower must be a family farm operator with a local account, and the family farm is in good operating condition, with no bad credit record and arrears of funds to others. Small and micro agricultural enterprises
What is an agricultural small and micro enterprise?
According to the classification standards of large, medium and small enterprises in China, small enterprises refer to enterprises in agriculture, forestry, animal husbandry and fishery with operating income between 500,000 and 5 million, and those with operating income below 500,000 are micro enterprises. Small and micro agricultural enterprises can apply for loans from state-owned commercial banks, joint-stock commercial banks, postal savings banks and rural credit cooperatives at all levels in China. China's banking supervision department stipulates that the growth rate of loans for small and micro enterprises is not lower than the average growth rate of various loans, and the increment is not lower than the same period of last year, enjoying the state's financial support policy for small and micro enterprises. How do small and micro agricultural enterprises apply for loans?
Agricultural small and micro enterprises should first submit a written loan application to the financial institution where the enterprise is located. After receiving an application from an enterprise, a financial institution conducts a preliminary investigation on the subject qualification, basic situation, business scope, financial status, credit rating, development prospect, capital demand and repayment ability of the enterprise, so as to determine whether the customer has the basic conditions for the loan, put forward opinions on whether to accept it and reply to the enterprise. For loans that have been accepted, financial institutions will require enterprises to provide business licenses, loan cards, tax registration certificates, articles of association, financial and accounting reports for the last two years and recent months, and other relevant basic materials stipulated by the Agricultural Development Bank. On this basis, they will organize loan investigation and evaluation, loan review, review and approval. For the approved loan, a formal contract will be signed with the enterprise, and the loan will be issued according to the use progress of the enterprise. After the loan is issued, financial institutions will conduct post-loan management according to relevant regulations, and enterprises need to actively cooperate in accordance with the contract.