What is the loan discount policy?

Loan discount policy refers to the state subsidizing the loans of a certain industry in order to support it. This kind of loan is called a discount loan.

Loan discount refers to the small secured loans for low-profit projects that are fully or partially subsidized by financial institutions. The borrower does not pay interest during the loan period, and the maximum discount is no more than two years, and no subsidy will be given during the extension period. Financial discount loans are presided over by the government. The overall purpose is to activate economic vitality and promote economic development. This is a financial subsidy.

The state subsidizes some project loans of some enterprises in a certain period of time according to a certain proportion.

The advantages of using financial discounts are:

(1) With less financial funds, a large amount of social funds can be attracted to meet the needs of national key construction funds.

(2) As the financial discount is first used for national key construction projects, it is conducive to adjusting the investment structure and rationalizing the industrial structure.

(3) It is conducive to reducing the cost of products and increasing the profits of enterprises, which is also conducive to increasing fiscal revenue.

④ Implementing different interest rates for different industries is conducive to establishing a reasonable interest rate system and indirectly regulating production and consumption.

Second, what is a discount loan? How to calculate the repayment amount by giving a 50% discount? The loan amount is 2,000,000, 1 year. ...

Suppose the annual interest rate of 2 million is 6%, that is, 6,543,8+0.2 million interest.

The government announced 60 thousand pounds

For example, the government usually allocates funds in two stages after one year of your loan.

20 1 1,1-65438+2 loan.

Around June of 20 12, the discount for the first and second quarters of 201/kloc-0 began to be distributed.

Then dial the third and fourth quarters at the end of 20 12.

The payer is the finance bureau of a local government, and the remark is the loan interest discount for technology enterprises (start-ups).

3. What is the guarantee standard of Lunong?

Shandong Agricultural Development Bank Credit Guarantee Co., Ltd. is a state-owned policy agricultural credit guarantee company approved by the provincial government. The purpose is to implement the national and provincial government's policy of strengthening agriculture and benefiting farmers, not for profit. Actively play the role of "increasing credit, dividing risks and empowering" and provide credit guarantee services for new agricultural business entities with moderate scale operation of agriculture, especially grain. Zoucheng Office of Agricultural Bank of China was established in September 20 18. Since its establishment, it has co-located with Shandong Zhicheng Agricultural Development Co., Ltd., fully realized the significance of financial assistance to rural revitalization, focused on the financing needs of agriculture, rural areas and farmers in the city, and devoted itself to solving the problem of "difficult, expensive and troublesome financing" in agriculture, helping the implementation of rural revitalization strategy and the development of modern agriculture in the province.

First, the service object and the scope of protection

Family farms, large breeders, farmers' cooperatives, agricultural socialization service organizations, small and micro-agricultural enterprises, engaged in grain production, animal husbandry, vegetables, fruits, tea and other advantageous industries, agricultural socialization services such as agricultural materials, agricultural machinery, agricultural technology, farmland infrastructure, new rural formats such as integration development projects of primary, secondary and tertiary industries directly related to agricultural production, family leisure agriculture and sightseeing agriculture. Anyone who encounters financial difficulties in production and operation may apply for the provincial agricultural burden to provide guarantee and pass the evaluation.

Second, the reference standard

(a) the appropriate scale planting standards:

1. Engaged in the production of food crops, with a planting area of more than 100 mu;

2. Engaged in vegetable production, with a field of more than 50 mu;

3. Engaged in the cultivation of edible fungi, with a business area of more than 10 mu;

4. Engaged in fruit production, with dried fruit 150 mu or more and fruit 80 mu or more;

5. Engaged in tea planting, with a business area of more than 80 mu;

6. Engaged in flower planting, with a business area of more than 50 mu;

7. Mainly planting seedlings, with an operating area of more than 100 mu;

8. Engaged in economic forest planting and undergrowth economy, with an area of over 50 mu;

(two) the standard of moderate scale farming:

1. There are more than 200 pigs on hand;

2. There are more than 50 cows on hand;

3. There are more than 200 sheep on hand;

4. There are more than 3,000 poultry;

5. There are more than 300 rabbits at hand;

6 operating pond culture area of more than 50 acres;

7. The waterfront aquaculture area is more than 500 mu;

Leisure fishery ponds with an area of 8.50 mu or more;

Third, customer conditions.

Basic conditions for application:

(1) The customer, its legal representative, major investors and actual controllers are honest and trustworthy, and have no bad credit records or bad hobbies;

(two) the actual operation for more than one year, the products and services have strong market competitiveness and growth;

(3) Having a fixed place of production and business operation, stable economic income and benefits, and the ability to repay the principal and interest when due;

(4) Its main business is clear and stable, and its production and operation are normal;

(5) The financing purpose is legal, compliant and true;

(6) Necessary counter-guarantee measures;

(seven) in line with national policies on industry, environmental protection and land use;

4. Preferential interest rate

The loan amount in the policy of "Lu Dan Huinong Loan" is 10-3 million yuan, which can exceed 3 million yuan for leading agricultural industrialization enterprises with wide radiation, strong driving force and close ties with farmers' interests, as well as projects to improve grain production capacity such as the implementation of farmland infrastructure, but the maximum is not more than10 million yuan. The comprehensive cost of the loan consists of the annual interest rate of the loan and the guarantee rate, and the guarantee fee is borne by the Jining Municipal People's Government. The annual interest rate of the loan undertaken by the business entity shall not be higher than 5.655% in principle. After the normal settlement, the Shandong Provincial Department of Finance will discount the loan at 50% of the annual interest rate (the annual interest rate of bank loans shall not exceed 30% in principle, that is, 50%-2. 175% = 3.48% of the annual interest rate of the discount loan of the Provincial Department of Finance). After the subsidy, the annual interest rate of the loan undertaken by the business entity shall not be higher than 3.48 in principle.

Verb (short for verb) handler

(1) Application: 1. Go to Zoucheng Office of Agricultural Bank of China; 2. To cooperative banks.

(II) Investigation and approval: The Zoucheng office of the Agricultural Bank of China and the cooperative banks jointly carry out due diligence and collect materials, and conduct examination and approval according to regulations.

(3) Signing contracts: signing loan contracts with cooperative banks, and signing entrustment guarantee contracts with provincial agricultural companies.

(4) Bank lending: after the approval of the provincial agricultural company, the cooperative bank will lend money.

4. What is the financial discount when repaying the student loan? Do I have to pay it back with the financial discount?

For example, the interest rate of bank loans may be 5%. Because students have no income and low credit, banks may be reluctant to take the initiative to lend to students. Therefore, the government has introduced a financial discount policy to encourage banks to lend. Suppose the financial discount rate is 3%, which means you only need to repay the principal and 2% interest. You don't need to repay the financial discount unless you are in serious breach of contract.