1. What are the conditions for starting a poverty alleviation loan?

the specific requirements are as follows: farmers who meet the following conditions can apply for poverty alleviation loans in contiguous poverty-stricken areas, national poverty alleviation and development key counties, provincial poverty alleviation and development key counties that are not included in the above scope, registered poor households and leading agricultural industrialization enterprises confirmed by poverty alleviation departments. Poverty alleviation loans from businesses are used to support business activities such as borrowing goods processing, e-commerce, and rural tourism. In addition, it is necessary to have a good credit record and proof of strength. The poverty alleviation degree of farmers' entrepreneurship is determined according to the actual needs of poor farmers who have set up a file card, and the loan amount for each household is 1-5 thousand yuan (including 5 thousand yuan). The loan term is 1-3 years (including 3 years), and early repayment is allowed. Farmers' entrepreneurial poverty alleviation loan interest rate Poor households can borrow 1, yuan at a time, and large industrial development households can borrow 1, yuan at a time, and the poverty alleviation department will give an annual discount of 5%; The loan amount of leading enterprises in poverty alleviation is discounted at 3% per year. The discount period is stipulated.

second, can poor households borrow 5, yuan?

yes, the state has poverty alleviation loans for poor households. You can borrow up to 5 thousand. You can go to the poverty alleviation office for information.

I. Purpose of applying for precise poverty alleviation loans

Generally, precise poverty alleviation special loans 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 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.

2. Ways to apply for accurate poverty alleviation loans

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.

III. Conditions for applying 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, 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, town governments 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;

7. If the lender is an enterprise legal person, its legal representative must have legal and valid certificates such as business license, organization code certificate, tax registration certificate, production and operation license, etc. in addition to the conditions mentioned in the preceding paragraphs 1 to 4.

IV. Amount and duration of applying for accurate poverty alleviation loans

1. The loan amount of poor households is determined according to their respective needs (in principle, it is calculated according to the loan amount of 1, yuan per person), and the application is made on a household basis. The amount of each household is controlled below 5, yuan (inclusive), and the loan period is determined according to the borrower's loan purpose, and the loan period is less than 3 years.

2. The amount and duration of loans for people who can become rich, rural cooperative organizations and leading enterprises shall be determined by the town government according to the number of poor households driven by their assistance and other conditions. In principle, the loan amount shall not exceed the sum of the needs of the poor households, and the longest loan period shall not exceed 3 years.

V. Expected annualized interest rate and discount for applying for accurate poverty alleviation loans

The expected annualized interest rate of loans shall be based on the benchmark expected annualized interest rate of the People's Bank of China for the same period. The annual interest settlement and discount of loans to poor households, and the interest generated by the lender during the loan period shall be applied to the Provincial Department of Finance for full discount. December 2th of each year is the interest settlement date. The principle of "receiving first and posting later" is adopted to discount interest. Interest and default interest on overdue loans caused by the lender's failure to repay the loan on schedule and other default behaviors will not be subsidized.

3. What are the requirements for poverty alleviation loans

1. The applicant must be a China citizen with full civil capacity who has a fixed residence and is between the ages of 18 and 6. Two, in addition, the applicant also needs to have repayment ability, and no bad credit record, loan willingness and independent development ability. Three, engaged in production and business activities in line with national laws and regulations and industrial policies, can drive poor farmers who lack the ability to get rich to increase their income and get rid of poverty. 4. The lender shall sign an agreement with the village committee, the town government and the competent department to promote poverty alleviation, which shall be a rural cooperative organization or a leading enterprise that can promote economic development. Five, the lender is an enterprise legal person, must have a business license, organization code certificate, tax registration certificate, production license and other valid documents. Generally speaking, the above conditions are the conditions that users must meet, and if they are not met one day, they will not be able to apply for the corresponding loan. Poverty alleviation loans are mostly interest-free loans or poverty alleviation loan projects. Generally, there are many projects linked to the government, such as student loans for college students, national poverty alleviation and disaster relief projects. Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally stipulate interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds. Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Microfinance: 1. Review risks. The emergence of loan risks often begins in the loan review stage. It can be seen from the comprehensive judicial practice that the risks in the loan review stage mainly appear in the following links. The content of the review left out the bank's loan examiners, causing credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and investigate the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks don't have due diligence, and the loan examiners often only pay attention to the identification of documents, but lack due diligence. In this way, it is difficult to identify fraud in loans and it is easy to cause credit risks. Many wrong judgments are caused by banks not listening to experts' opinions on relevant contents, or by professionals making professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on the relevant facts in legal and financial aspects. In practice, most of the loan review processes are not very rigorous and in place. 2. The legal content of pre-loan investigation. Review the legal status of the borrower with regard to its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established, whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. It shall pay attention to whether the relevant certificates have passed the annual inspection or relevant verification. Regarding the credit standing of the borrower, check whether the registered capital of the borrower is compatible with the loan; Review whether there is any obvious situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (if it is a company) exceeds 5% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender. With regard to the guarantee, for the guarantee, the qualification, reputation and ability to perform the contract of the guarantor shall be investigated. 3. The borrower and its responsible person should also be specially examined. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When granting loans, financial institutions should not only examine the qualifications, conditions and operating conditions of the borrower, but also strengthen the examination and control of the personal qualities of investors, legal representative and main managers of the enterprise, including gambling, drug abuse, whoring and keeping mistresses for the chairman, general manager, factory director and manager. Frequent visits to dance halls and saunas, excessive handling of weddings and funerals, purchase of limousines that are disproportionate to their economic strength, and frequent renting of luxury hotels must be strictly controlled.

fourth, what conditions can I apply for poverty alleviation loans?

Those with poor family conditions can apply.