The conditions of rural entrepreneurship loans mainly include:
1. At least 18 years old, with full capacity for civil conduct;
2. Have local permanent residence and permanent residence;
3. Entrepreneurial projects are in line with national industrial policies, products meet social needs, and the predicted economic benefits are good;
4. Have the ability to repay the loan principal and interest on time;
5. Be law-abiding, honest and trustworthy, and have no bad credit record;
6. Have a settlement account in the loan bank.
Where a guarantee or mortgage/pledge is provided, the guarantor must also have sufficient economic strength and the ability to replace repayment; Collateral should be valuable and easy to realize; Pledge, certificate and rights are true and clear, and the bill is legal and valid.
In fact, different banks have different requirements for loans. So I suggest that before you apply, you'd better consult the staff of the handling bank to see if you meet the loan conditions proposed by the bank. The relevant policies implemented in different regions will also be different. For example, some areas have also introduced some preferential policies specifically for rural entrepreneurial loans, such as interest-free loans.
Can rural entrepreneurship get agricultural loans?
1. Family farm.
For the guarantee of family farms and single-family specialized households, some banks provide the mortgage of agricultural machinery, agricultural and sideline products, forest rights, new rural property rights, "company farmers" and professional cooperatives. However, it is worth noting that the land transferred by the family farm cannot be mortgaged or guaranteed, and the borrower needs to be a local hukou, with good assets and no bad records.
2. Cooperatives.
Farmers' professional cooperatives can apply for loans through "farmers' joint guarantee and mutual assistance fund guarantee", "farmers' joint guarantee and farmers' cooperative guarantee" or other guarantee methods. At present, individual areas can also use the right to contracted management of land for loans. General banks will comprehensively evaluate the loan amount of cooperatives according to their credit status, liabilities and repayment ability. Generally speaking, the loan amount will not exceed 70% of their net assets, and cooperatives can also enjoy local preferential interest rates.
3. Agricultural small and micro enterprises.
Small and micro agricultural enterprises can submit written loan applications to local financial institutions. After accepting the application, the financial institution will make a preliminary investigation on the subject qualification, basic situation, business scope, financial related status, credit rating, development prospect, capital demand and repayment ability of the enterprise. After the audit is completed, the financial institution will approve the loan. After approval, the lender will sign a formal contract with the enterprise and issue loans according to the progress of the enterprise's capital use.
What are the procedures for rural youth entrepreneurship loans? (society)
Taking Quanzhou as an example, the application materials submitted are:
1, personal identity card and other relevant identification materials;
2, personal business project approval materials;
3. Proof of loan use;
4. Other relevant certification materials stipulated by Quanzhou Bank.
Rural youth entrepreneurship loan procedures:
1, rural youth who meet the loan conditions voluntarily declare to the youth league organization. League organizations around the country, especially at the township and village levels, should strictly review the application projects and prospective borrowers, and actively recommend them if they meet the conditions.
2. The agricultural banking financial institutions cooperating with the League organizations shall carefully review the applicant's credit standing, the feasibility of the business plan, the development prospect and the expected repayment ability after receiving the projects and potential borrowers recommended by the League organizations. , to determine the risk and feasibility of loans, to carry out credit rating work, preferential loans.
Extended data:
In line with the principle of "convenient for customers, flexible and diverse, covering risks", we should actively explore and innovate loan methods suitable for agriculture and rural areas and with strong operability according to local conditions.
Boldly innovate rural youth entrepreneurship guarantee methods. In view of the reality of rural youth entrepreneurship, various forms of guarantee can be adopted, such as mortgage, pledge, natural person guarantee and legal person guarantee. Encourage agricultural financial institutions to further expand the scope of property that can be used as a loan guarantee for rural youth according to the characteristics of agricultural development and rural economy and relevant laws.
Explore the development of mortgage loans such as agricultural production equipment, forest rights, and the right to use water beaches, and standardize the development of rights such as accounts receivable, equity, warehouse receipts, deposit certificates, and agricultural futures. Encourage all kinds of credit guarantee institutions to provide guarantees for rural youth entrepreneurship through re-guarantee, joint guarantee and combination of insurance and insurance.
Actively promote and develop credit models such as "company farmers", "company intermediary organization farmers", "company professional market farmers" and "farmers' professional cooperative members" to improve the success rate of rural youth in starting their first business, make full use of the advantages of agricultural industrialization and reduce the loan risk.
Encourage agricultural banking financial institutions, rural credit guarantee institutions and relevant intermediaries to strengthen cooperation with insurance companies, and explore and develop new products of "credit insurance" financial services based on orders and policies. Where conditions permit, guide and encourage rural youth to develop "credit insurance" entrepreneurial projects.
Vigorously develop mutual insurance and joint guarantee loans for rural youth entrepreneurship. Encourage agricultural banking financial institutions to strengthen cooperation with credit associations or credit cooperatives and other credit subjects, and actively explore and develop joint credit loans to meet the financial needs of credit subjects by using joint guarantees, guarantee funds, risk deposits and other joint credit enhancement methods.
Guide and encourage rural youth who are interested in starting a business to actively join credit associations such as "joint household insurance group", "credit mutual aid organization", "credit union", "professional organization guarantee" and "guarantee association" Improve the internal incentive and restraint mechanism of credit and mobilize the enthusiasm of internal members for self-management.