Microfinance policy for poor households

The first is the microfinance policy for poor households.

Legal analysis: The implementation of the poverty alleviation microfinance policy has effectively reduced the threshold and cost of loans for poor households and greatly improved the convenience for poor households to obtain loans. By granting credit to poor households and granting mortgage-free and guarantee-free credit loans to poor households, the problems of difficult and expensive loans for poor households have been solved. . By the end of 20 19, a total of 610/billion yuan of poverty alleviation micro-credit had been issued, covering15.44 million poor farmers. The problem of poor farmers' lack of start-up funds for developing production has been effectively solved. Take Yunyang District of Hubei Province as an example. Before the introduction of the poverty alleviation microfinance policy, more than 90% of the poor farmers in the whole region basically had no dealings with banks. After the implementation of the poverty alleviation microfinance policy, poor households with working ability and development opportunities in the whole region scrambled for loans, and there was a gratifying situation of active lending. The loan coverage rate of poor farmers increased from less than 0.07% to 62.04%, achieving full coverage of poor villages. Secondly, it has achieved the dual effects of developing industry and increasing income.

Legal basis: the Supreme People's Court's opinion on people's trial of loan cases.

Article 10 A loan relationship formed by one party against its true meaning by means of fraud, coercion or taking advantage of others' danger shall be deemed invalid.

Article 11 If the lender knows that the borrower's loan is used for illegal activities, its lending relationship is not protected.

Second, does poverty alleviation microfinance count as the income of poor households?

Forget it, of course, and summarize his annual income and total assets.

Third, do poor households still enjoy the interest-free policy when they get rid of poverty during the three-year interest-free period?

No, the government encourages poor households to get rid of poverty through independent development, and poor households can also get poverty alleviation subsidies after applying for cooperative projects. Unless poor households only rely on their own sufficient funds to build cooperatives, which means that they are out of poverty and are not short of money, then the arrangement of poverty alleviation projects will be reduced, and limited funds will be given to poorer people, but the qualification of poor households will not be cancelled until 2020.

4. What are the specific contents of the "two exemptions" for industrial support for poor households?

I. Purpose of application

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 product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

Second, the application method

1, poor households apply for direct loans from poor households.

2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).

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

Third, the application conditions

1, aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

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

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (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, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of loans.

Please consult your local bank for details.