When will Guiping Precision Poverty Alleviation Loan be implemented? ....

1. When will Guiping Precision Poverty Alleviation Loan be implemented? ....

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 and farmhouse music. , shall not be used for marriage, building and other non-productive aspects. The specific development of industries is guided by the town and village levels.

Second, the application method

For home use.

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 to apply for loans to large households must sign an agreement with poor households to promote development, or

Third, the application conditions

Between the age of 60, with a fixed residence and full capacity for civil conduct;

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

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, can drive the poor farmers who lack the ability to get rich (must be poor and rich, rural cooperative organizations, leading enterprises in agricultural industrialization;

6. The lender shall 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 the loan;

Specific content

2. When will the precise poverty alleviation loan start to repay?

The China Banking Regulatory Commission, the Ministry of Finance, the People's Bank of China and the the State Council Poverty Alleviation Office recently jointly issued the Notice on Further Improving Policies for Poverty Alleviation Microfinance, further extending the repayment period of poverty alleviation microfinance due to the COVID-19 epidemic. For poverty alleviation micro-loans with maturity after 1+0 in 2020 (including loan extension and extension), on the basis of extending the repayment period by no more than 6 months,

The notice made it clear that the policy of poverty alleviation microfinance contracts (including loan renewal contracts) signed during the poverty alleviation period (before 65438+February 3, 20201day) remained unchanged during the contract period.

Poverty alleviation microfinance is a poverty alleviation credit product jointly launched by China Banking and Insurance Regulatory Commission, Ministry of Finance, People's Bank of China and the State Council Poverty Alleviation Office in 20 14. The key points of the policy are "less than 50,000 yuan, within 3 years, unsecured mortgage, benchmark interest rate loan, financial discount, and county construction risk compensation".

According to statistics, by the end of the first quarter of this year, the national poverty alleviation micro-credit had accumulated 444.35 billion yuan, which has supported 10678 1000 households, more than one third of the national poor households.

Third, how can the precise poverty alleviation loan be repaid?

Legal analysis: Precision poverty alleviation loans generally take the form of repayment at maturity, that is, everyone pays off after maturity, and the loan period generally does not exceed 3 years. Accurate poverty alleviation loans enjoy the government discount policy, and only need to repay the principal. For those who have no repayment ability at maturity, they can apply for repayment by installments and go through the formalities of loan renewal.

Legal basis: Article 28 of the Population and Family Planning Law of the People's Republic of China stipulates that local people's governments at all levels give financial, technical, training and other support and preferential treatment to rural families carrying out family planning; For poor families who practice family planning, priority is given to poverty alleviation loans, work-for-work relief, poverty alleviation projects and social relief.

Article 68 of the Law of the People's Republic of China on Electronic Commerce The state promotes the application of Internet technology in the fields of agricultural production, processing and circulation, encourages all kinds of social resources to strengthen cooperation, promotes the development of rural electronic commerce, and gives full play to the role of electronic commerce in accurate poverty alleviation.

4. What is the repayment period of the national student loan? Are there any preferential policies for precision poverty alleviation households? ...

First, the application for special loans for poverty alleviation with precise purposes 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 to 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. 3. Application conditions 1, aged between 18 and 60 years old, with 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. The lender shall 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 the loan; Please consult your local bank for details.