Project Precision Poverty Alleviation Loan Scheme Project Precision Poverty Alleviation Loan

What does the unit precision poverty alleviation loan include

The project precision poverty alleviation loan in the unit precision poverty alleviation loan includes ex situ poverty alleviation and relocation loan, farmland capital construction loan, ecological environment transformation loan and rural infrastructure loan.

ex situ poverty alleviation and relocation loan: ex situ poverty alleviation and relocation refers to the ex situ relocation and resettlement of rural poor people in areas with poor living and development environment to fundamentally improve their living and development environment, and ex situ poverty alleviation loan is to help these people get rid of poverty and become rich.

farmland capital construction loan: refers to the loan used to build small-scale farmland water conservancy facilities, transform large-scale irrigation areas, transform low-and medium-yield fields, improve the quality of cultivated land and the ability of agricultural disaster prevention and reduction.

loans for ecological environment transformation: loans for projects such as returning farmland to forests and grasslands, shelter forest construction, rocky desertification control, sand prevention and control, wetland protection and restoration, comprehensive improvement of sloping farmland, returning grazing to grasslands, and water ecological control in poor areas.

rural infrastructure loans: loans mainly used to solve the borrower's capital needs in rural road network, power grid, water network, information network, rural energy and environmental facilities construction.

The precise poverty alleviation loan policy

is the symmetry of extensive poverty alleviation, and it is a poverty alleviation method that refers to the precise identification, precise assistance and precise management of poverty alleviation targets by using scientific and effective procedures for different poverty-stricken regional environments and different poverty-stricken farmers. Special loans for precision poverty alleviation can be used for the production and operation of poor households, such as planting and breeding.

article 7 of the law of the people's Republic of China on commercial banks

when conducting credit business, commercial banks should strictly examine the credit standing of borrowers, implement guarantees and ensure the timely recovery of loans.

commercial banks recover the principal and interest of loans due from borrowers according to law, which is protected by law.

is it necessary to repay the precise poverty alleviation loan?

is it necessary to repay the precise poverty alleviation loan?

repayment is required!

you can apply at the local and bank, and you can repay the loan without interest.

Application purposes

Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural products processing, transportation, commercial circulation, farmhouse restaurants, etc., and may not be used for non-productive aspects such as marriage and building houses. The specific development industries are determined by the guidance of towns and villages. The purpose of loans for wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

Application method

Poor households apply for direct loans to poor households.

when a poor household applies for and lends money to a poor household, the poor household gives the money to a large household (enterprise) and signs a dividend agreement with the large household (enterprise).

poor households apply for loans to large enterprises, but large enterprises must sign agreements with poor households to promote development or share profits.

Application conditions

Aged between 18 and 6, with fixed residence and full civil capacity;

hold valid identity documents, have repayment ability, and have no bad credit record;

the production and business operation activities are in compliance with national laws, regulations and industrial policies;

willingness to lend and ability to develop independently;

capable people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (they must be poor households with established files) to increase their income and get rid of poverty;

Lenders need to sign an agreement with poor households, village committees, towns and industry authorities to increase income and get rid of poverty, use the loan line of poor farmers, and assume the responsibility of repaying all loans as the main body of loans;

is precision poverty alleviation a loan? Do you need to repay it?

The annual interest rate is around 3%.

I. Application purposes

Generally, special loans for precision poverty alleviation can only be used for poor households to engage in production and business activities such as planting, breeding, agricultural products processing, transportation, commercial circulation, farmhouse restaurants, etc., and may not be used for non-productive aspects such as marriage and building houses. The specific development industries are determined by the guidance of the town and village levels. The purpose of loans for wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

2. Application method

1. Poor households apply for direct loans to poor households.

2. When a poor household applies for and lends money to a poor household, the poor household gives the money to a large household (enterprise) and signs a dividend agreement with the large household (enterprise).

3. Poor households apply for loans to large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share out profits.

Third, the application conditions

1. The age is between 18 and 6, with a fixed residence and full civil capacity;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3. The production and business activities are in line with national laws, regulations and industrial policies;

4. Willingness to lend and ability to develop independently;

5. Capable people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (they must be poor households with established files) to increase their income and get rid of poverty;

6. Lenders need to sign an agreement with poor households, village committees, towns and industry authorities to increase income and get rid of poverty, use the loan line of poor farmers, and assume the responsibility of repaying all loans as the main body of loans;

consult your local bank for details!

do you need a marriage certificate for accurate poverty alleviation loans?

without a marriage certificate, a certificate issued by a village committee or street can be used to

repair the house with a precise poverty alleviation loan

Precise poverty alleviation is the symmetry of extensive poverty alleviation, and it is a poverty alleviation method that uses scientific and effective programs to accurately identify, help and manage poverty alleviation objects according to the environment of different poverty-stricken areas and the situation of different poor farmers. Generally speaking, precision poverty alleviation is mainly for poor residents, and whoever is poor will be supported

Is there a loan target for precision poverty alleviation in 216?

the "half-month reform trends" (November 16-3, 215) released by the Economic Reform Department of the National Development and Reform Commission showed that the Central Poverty Alleviation and Development Work Conference held on November 27-28, 215 called for "building a good system and mechanism". According to the specific conditions of poor areas and poor people, the "five batches" project will be implemented. First, develop a batch of production to get rid of poverty, guide and support all people who have the ability to work to create a better tomorrow with their own hands, and base themselves on local resources to achieve poverty alleviation on the spot. Second, it is necessary to relocate a number of people out of poverty. If it is difficult for poor people to get rid of poverty on the spot, it is necessary to relocate them, organize and implement them according to the plan, year by year and plan, and ensure that they can move out, stay stable and get rich. Third, a batch of ecological compensation should be given to help the poor get rid of poverty, and the ecological protection and restoration in poor areas should be intensified, and the transfer payment for key ecological functional areas should be increased, and the scope of policy implementation should be expanded, so that the poor people who have the ability to work can be turned into ecological protection personnel such as forest guards on the spot. Fourth, we should develop education to get rid of poverty, treat the poor first, and help the poor first. The state education funds should continue to tilt towards poor areas, basic education and vocational education, help poor areas improve school conditions, and give special care to children from poor families in rural areas, especially those left behind. Fifth, social security covers a number of people who are completely or partially unable to work among the poor, coordinating rural poverty alleviation standards and rural minimum living standards, and increasing other forms of social assistance. To strengthen medical insurance and medical assistance, the new rural cooperative medical care and serious illness insurance policies should be tilted towards the poor. We should attach great importance to poverty alleviation in old revolutionary areas.

Ningdu County Precision Poverty Alleviation Loan

The main measures proposed in the "Proposal" to solve the difficulty and high cost of loans for poor people include establishing a loan risk compensation fund for poor households, improving the loan discount policy, promoting insurance, and developing mutual funds for poverty alleviation.

among them, the loan risk compensation fund for poor households will be established year by year by all levels and financial institutions according to the ratio of 7: 3, accounting for about 3% of the loan amount, and the loan risk compensation fund for each poverty-stricken county will reach more than 1 million yuan. In case of loan loss, it shall be borne by the financial institution in the ratio of 7: 3.

in order to standardize the interest subsidy policy for poor households, the proposal requires the integration of various financial interest subsidy policies, and the microfinance for poverty alleviation for poor households will be fully subsidized at the benchmark interest rate. The annual interest settlement and interest discount for loans from poor households, the longest discount period is 3 years, and the overdue loan interest and penalty interest arising from the failure to repay the loans on time and other default behaviors are not subsidized.

after the precise poverty alleviation loan has been repaid, can it be renewed?

Yes. Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural products processing, transportation, commercial circulation, farmhouse restaurants, etc., and may not be used for non-productive aspects such as marriage and building houses. The specific development industries are determined by the guidance of towns and villages. The purpose of loans for wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

Application methods of accurate poverty alleviation loans:

1. Poor households apply for direct loans to poor households;

2. Poor households apply for loans to poor households, and the poor households give the money to large households, and sign a dividend agreement with the large households;

3. Poor households apply for loans to large households, but large households must sign agreements with poor households to promote development or share out profits;

Application conditions for accurate poverty alleviation loans:

1. They are between 18 and 6 years old, have a fixed residence and have full civil capacity;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3. The production and business operation activities are in line with national laws, regulations and industrial policies;

4. Willingness to lend and ability to develop independently;

5. Capable people who can drive poor farmers who lack the ability to get rich to increase their income and get rid of poverty, rural cooperative organizations and leading enterprises in agricultural industrialization;

6. Lenders need to sign an agreement with poor households, village committees, towns and industry authorities to increase income and get rid of poverty, use the loan line of poor farmers, and assume the responsibility of repaying all loans.

How did the precise poverty alleviation loan stop

How could it stop now? The precise poverty alleviation loan is a ten-year development plan, which is only a few years.

The General Office of the Central Committee and the General Office of the State Council released the Opinions on Promoting Poverty Alleviation and Development in Rural Areas with Innovative Mechanisms, and made strategic innovative arrangements for poverty alleviation and development in China.

the opinions put forward that eliminating poverty, improving people's livelihood and achieving common prosperity are the essential requirements of socialism. The most difficult and arduous task of building a well-off society in an all-round way is in rural areas, especially in poverty-stricken areas. To achieve the goal proposed in the Outline of Rural Poverty Alleviation and Development in China (211-22), we must thoroughly implement the spirit of the 18th National Congress of the Communist Party of China and the Second and Third Plenary Sessions of the 18th Central Committee, fully implement a series of important instructions from the General Secretary and other comrades on poverty alleviation and development, further enhance our sense of responsibility and urgency, effectively put poverty alleviation and development in a more important and prominent position, take reform and innovation as the driving force, and strive to eliminate institutional and institutional obstacles, enhance endogenous motivation and development vitality.

what should I do if the precise poverty alleviation loan can't afford it?

1. The rural commercial bank has made the interest rate of this precise poverty alleviation loan very low, and if it can't afford it, it will be fined according to the regulations.

2. But the reality is that in order to expand the market share, the rural commercial bank often reaches a private negotiation with the loan users, exempting the late payment fee and part of the interest, and simply replacing the principal.

3. It is very troublesome for banks to file lawsuits with debtors. Rural commercial banks usually have special personnel to deal with it, which takes a long time. If you really don't pay it back, the lawsuit will be lost sooner or later, and you will be in trouble if you are blacklisted. You can't use any bank cards in the future.

4. You can talk to the bank and try to postpone the date.

Tianshui Precision Poverty Alleviation Loan

Conditions for handling the loan:

1. China citizens with fixed residence in China, permanent residence in local towns, full capacity for civil conduct and 18-65 years old;

2. Have a good job with a just and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Abide by the law, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with national regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

that's enough for the introduction of the project's accurate poverty alleviation loan.