(a) unit loans, unit repayment. Borrowed by agricultural enterprises and institutions, township (town) and village enterprises or various service organizations shall be returned from the income of the aided projects of the unit; Can also be returned from the income of other business projects established by the unit.
(two) farmers borrow money, farmers repay. Loans directly issued to farmers are directly returned by farmers.
(three) unified deployment by the county (city) and township (town) governments and villagers' committees. For cross-township, cross-village, cross-household irrigation and water conservancy construction, land reclamation and other projects, due to the unified organization and construction, scattered interests, loans must be arranged by the county (city), township (town) and village, and repaid by the county (city), township (town) government and village Committee. Article 7 If the county (city) and township (town) governments organize loans and repayments in a unified way, they can adopt a reasonable sharing method according to the benefits of the construction project, that is, if the economic benefits of the construction project are obvious and the debts can be directly decomposed into townships (towns) and villages, the county (city) and township (town) governments can decompose the debts into township (town) governments and village committees; For the construction projects with small economic benefits and large social benefits, it is not appropriate to repay the loan by the township (town) village. County (city) and township (town) governments should co-ordinate the repayment of funds or part of them, and the rest should be implemented in townships (towns) and villages according to the benefits. When borrowing money, we must insist on implementing the repayment method in advance. Eighth unified loans and repayments by the village committee and the debts implemented by the higher government to the village can be adopted in the following ways according to different situations:
(1) Farmers share the repayment. According to the principle of unity of benefit and burden, the corresponding repayment amount is determined according to the benefit of the recipient project and the recipient farmers, and then the loan principal and interest that each beneficiary farmer should share is implemented, and the village Committee will designate a person to be responsible for collection.
(two) the village committee centralized repayment. Within the scope of a village, return the collective funds such as land contract fees and provident fund paid by farmers. When the loan amount is large, it can be raised by other means temporarily after being discussed and approved by the villagers' meeting and the township (town) government.
The way for the village committee to repay the loan should also be specified in the loan contract. Article 9 The recovered loan principal and interest shall generally be repaid with monetary funds. For some loan projects, you can also use the grain and oil increased by the project to repay in kind. The return in kind is limited to grain and oil. The implementation of the method of households borrowing from the village (including the debts implemented by the higher government to the village). The borrower and the borrower shall, according to the size of the debt, determine the quantity, variety and repayment period of grain and oil in advance, determine the time and amount of annual payment, and make it clear in the contract. If the financial department entrusts the grain department to collect, it shall settle with the county (city) and township (town) financial department according to the purchase price negotiated by the local grain department at that time. The financial departments of counties (cities) and townships (towns) pay the handling fees to the grain departments according to a certain proportion of the calculated amount.
County (city), township (town) financial department after the settlement of the interest in kind is greater than the repayment of loan principal and interest, the excess can enrich the agricultural development fund at the same level and continue to support agriculture; If there is any shortage, it will be supplemented from the agricultural development fund at the same level.