1. What is the current situation of farmers' microfinance in 222
? The current situation of farmers' microfinance in 222: development. Rural commercial banks carry out business, provide funds for farmers to start their own businesses and develop local characteristic industries, which solves the problem of "loan difficulty" for some farmers and is an important starting point for supporting rural economy and comprehensively promoting rural revitalization.
second, how can microfinance develop sustainably?
under the special financial system of China, the financing difficulties of micro-economic entities such as small and medium-sized enterprises and self-employed individuals are very prominent. There are a large number of small and medium-sized enterprises, among which small and medium-sized enterprises account for 48% of the total domestic enterprises and micro enterprises account for 5%. Companies that serve farmers, individual industrial and commercial households and small and micro enterprises make up for the gaps in the financial system to some extent.
according to the data of China in-depth investigation and investment strategic planning analysis report released by Forward-looking Industry Research Institute, the company's loan balance increased from 76.641 billion yuan in 29 to 74.3 billion yuan in June 213, an increase of nearly 1 times in less than five years, and new loans exceeded 1 billion yuan every year. But if we look at the average loan balance of each small loan company, it seems that the business efficiency of small loan companies has not improved much.
in order to achieve sustainable development in the future, small loan companies must go out of the mode of relying on shareholders' capital investment, and at the same time, they need to have a stronger "hematopoietic" function. Forward-looking Industry Research Institute suggests that the following ways can be used to obtain funds: increasing the leverage ratio of small loan companies; Small loan companies are used as lending platforms to lend wholesale funds provided by the government or low-cost wholesale funds borrowed from banks and funds to small and micro enterprises; Clarify the legal subject status of small loan companies; Encourage small loan companies to issue stocks and bonds to solve the capital problem through direct financing; Encourage small loan companies to carry out trust asset repurchase business and revitalize funds.
I hope my answer can help you.
third, what is the new deposit standard for rural commercial banks in 222?
table of deposit interest rates of rural credit cooperatives in 222
The benchmark deposit interest rate of central bank in 222 is the benchmark deposit interest rate of rural credit cooperatives. According to the data of official website, the central bank's benchmark interest rate in 222 is: demand .3%, fixed for three months 1.35%, fixed for six months 1.55%, fixed for one year 1.75%, fixed for two years 2.25%, fixed for three years 2.75% and fixed for five years 2.75%. As a rural commercial bank, each district and county is an independent legal entity, and the floating ratio can be set according to the benchmark interest rate and its own situation.
1. rural credit cooperatives deposit interest rate table in 222
project
personal deposit %
unit deposit %
urban and rural residents and unit deposit
(1) demand deposit
.3
(2) time deposit
1, Deposit in lump sum
three months
1.4
1.4
half a year
1.56
1.55
one year
1.95
1.75
two years
2.52
2.22.
one year
1.4
-
three years
1.56
-
five years
1.95
-
3. Fixed work and two stools
Regular lump-sum deposit and withdrawal within one year
Same. 222 rural credit cooperatives loan interest rate table
term
interest rate %
one year (LPR1)
3.8
five years or more (LPR5)
4.65
IV. How do I want to borrow micro-credit from rural credit cooperatives
Application conditions:
1.
2. Having a stable address and place of work or business operation;
3. Have a stable source of income;
4. There is no bad credit record, and the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing procedures:
1. Submit an application to a local bank or lending institution;
2. All kinds of materials needed for loan preparation;
3. Face-to-face signing of banks or lending institutions;
4. The bank reviews the qualifications of the lender;
5. The loan was approved and granted successfully.