Rural credit cooperatives party construction leads

In recent years, Fanchang District of Wuhu City has combined the construction of rural credit system with credit finance, innovated and developed financial products of "rural revitalization loan", and further improved the quality and efficiency of financial services by setting up special risk compensation funds, government guarantees, credit enhancement and financial subsidies. Do a good job in financial services, open up the "last mile" of financial services to the masses, and constantly promote party building to lead the work of credit villages to improve quality and efficiency.

We will develop financial products of "rural revitalization loans", introduce guarantee institutions to provide credit enhancement services for credit subjects, "guarantee" loans of less than 300,000 yuan for a single household, and appropriately increase the guarantee amount for loans of more than 300,000 yuan according to the credit rating, so as to solve the problem that agricultural business subjects cannot obtain loans with the required amount due to insufficient collateral. A risk compensation fund of 20 million yuan will be set up, and all eligible businesses will be included in the "government-bank responsibility" system, and banks that bear risks will only bear 20% of the responsibility, thus solving the worries of banks.

Revise the "Measures for Party Building Leading Credit Village Loan Discount", and increase the preferential range of the original LPR interest rate from 30%, 25% and 20% to 60%, 50% and 40% respectively according to the credit rating, so as to reduce the loan cost. 202 1 year, giving10.5 million yuan or more. We will introduce a policy of discount interest on loans and reduction and exemption of guarantee fees, and exempt the credit subject "rural revitalization loans" from guarantee fees.

Incorporate the credit subject into the scope of the use of renewal funds, and waive the capital occupation fee within 5 working days, so as to relieve the concern that the credit subject is often afraid of not being able to repay the principal at maturity, and let farmers dare to lend and be able to borrow for a long time. Through the implementation of the "one-line policy", the credit of major credit entities in Fanchang District increased by 70% in 20021year compared with 2020.