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, 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.

The conditions of poor households' loans are as follows:

Have a permanent residence in the local area. If you have a real estate license, you can provide a copy of the real estate license. If you rent a house, you can provide a rental contract. But banks generally require you to live in your current place for more than half a year.

If the age is less than 22-55 years old, some banks relax the age requirements for borrowers. Specifically, you can consult the bank customer service, have full capacity for civil conduct, and have China nationality;

The borrower's personal credit record is good. If there is a "stain" on his credit, he should go to the bank to check it in time before making a plan. The general borrower can barely approve it if it is not serious, and the customer bank with serious situation has the right to refuse it directly;

Provide a guarantor who must also have a good credit record and repayment ability (not required if it is a credit loan);

The loan purpose certificate must be approved by the bank and comply with laws and regulations;

Having a personal settlement account in the loan bank;

Have a serious job, a stable salary, and the ability to repay in full and on time.

Is there still 202 1 precision poverty alleviation?

202 1 precision poverty alleviation also, you can apply to various banks.

I. Conditions for applying for poverty alleviation loans:

He is between 18 and 60 years old, has a fixed residence and has full capacity for civil conduct; Hold a valid ID card, have repayment ability, and have no bad credit record; Production and business activities conform to national laws, regulations and industrial policies; Have the willingness to borrow and the ability to develop independently; Can drive poor farmers who lack the ability to get rich (must be poverty-stricken households with established files) to increase their income and get rid of poverty, rural cooperative organizations and leading enterprises in agricultural industrialization; 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 line of poor farmers as the main body of the loan, and bear all the repayment responsibilities; If the lender is an enterprise legal person, its legal representative must have legal and effective business license, organization code certificate, tax registration certificate, production and business license and other documents. In addition to the conditions described in paragraphs 1 to 4.

Two. Discount settlement of poverty alleviation loans

The interest subsidy for poverty alleviation loans shall be settled quarterly. At the end of each quarter, the provincial branches of the Agricultural Bank of China (directly under the team) shall summarize and report the financial poverty alleviation loan discount statement, and report it to the Ministry of Finance and the head office of the Agricultural Bank of China after being audited by the Provincial Department of Finance in conjunction with the Provincial Department of Poverty Alleviation. After being summarized by the head office of Agricultural Bank (attached to the provincial table), it will be reported to the Ministry of Finance before the end of the first month of the next quarter, and will be settled with the head office of Agricultural Bank after being audited by the Ministry of Finance. Agricultural banks at all levels and financial departments (bureaus) and poverty alleviation offices of provinces (autonomous regions and municipalities directly under the Central Government) must do this work seriously, timely, truly and accurately in accordance with the regulations.

Measures for the administration of poverty alleviation by rural commercial banks: Article 25 After the loans are issued, county banks regularly organize supervision and inspection teams to conduct post-loan inspections on loans issued to poor households within their jurisdiction, focusing on whether the loan funds are really used and whether they are operating normally. Article 26 Establish a credit risk early warning system. All branches should monitor the poverty alleviation loans in real time, report to the authorized approver in time when the credit security may be endangered, and take corresponding preventive measures before the actual credit risk is formed. Twenty-seventh credit default treatment. If the branch fails to perform its obligations as agreed in the credit contract, it shall collect default interest, stop providing new credit, recover part or all of the credit in advance, and take legal measures according to the relevant matters agreed in the contract.

What is a rural poverty alleviation loan? What are the application conditions? How to deal with it?

My hometown belongs to a poor township at the provincial and ministerial levels. Remote and sparsely populated, the per capita arable land is not enough, and the traffic is extremely troublesome. In the first 30 years, most villagers went to Guangdong to work and earn money. Many families have bought houses or built houses in cities and towns according to their twenty or thirty years' hard work and little by little accumulation, and then moved out of these remote mountain villages. But some people, for various reasons, stay in the depths of the mountains and still break free from poverty. However, our country has not forgotten them. In recent years, precision poverty alleviation efforts have continued to increase. From the rural infrastructure that benefits the whole people to the present assistance to households, precision poverty alleviation has been continuously refined in all directions, which has changed the face of this poor township from action.

Ideologically changed the backward logical thinking of poor households. Rising from the ground, financial poverty alleviation is the behavioral basis of farmers on the road to poverty alleviation. Secondly, you must have the development trend of the project, or you need an independent entrepreneurial actor. In the case of handling loans, the relevant staff of financial institutions will visit the grassroots. For example, if you want to raise sheep, you must have a shed and sheep. Only poor households who meet the survey criteria are eligible to apply for small loans. The most important thing is to have good credit when handling loans.

Poverty alleviation is free of loan guarantee and pledge, but there is a prerequisite that you must have a good reputation in the local area. If people in ten miles and eight townships have a good evaluation of borrowers, there is no problem in borrowing generally; But if you do nothing and idle around, it must be cold. Eligibility to apply for subsidized loans for poverty alleviation: the age group is between 18 and 60 years old, with fixed residence and full capacity for civil conduct; Hold a valid ID card, have repayment ability, and have no bad credit record; The production and business activities are in line with national laws and regulations and national industrial policies;

Have the intention to borrow and the level of independent development; Can promote poor farmers who lack the level of getting rich (must be low-income poor households) to generate income and get rid of poverty, rural cooperative institutions and agricultural industry leaders; Borrowers need to sign agreements with poor households, villagers' committees, town governments and industry authorities to promote income generation, get rid of poverty and become rich, apply the loan quota for poor farmers, and assume all repayment obligations of loans as the loan undertaker; If the borrower is a company legal person, its legal representative must have reasonable, legal and valid identity documents such as business license, organization code, tax registration and manufacturing license. In addition to the above standards of 1 to 4.

Can poor households get loans?

Poor households can get loans, and poor households can get rid of poverty by applying for poverty alleviation loans. The State Council will determine the loan plan and scale this year, the Ministry of Finance will be responsible for the overall regulation of poverty alleviation loans, and then the Agricultural Bank, rural credit cooperatives and rural commercial banks will be responsible for the specific issuance of poverty alleviation loans.

Poverty alleviation loan is a policy loan business undertaken by domestic financial institutions. It is an important part of poverty alleviation and development in China. There are two main forms of distribution: one is small poverty alleviation loans to households; The other is poverty alleviation loans and infrastructure construction for leading enterprises. 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, 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.

Tips: The above explanations are for reference only.

Response time: 2021-01-18. Please refer to the latest business changes announced by Ping An Bank in official website.

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I want to get a bank loan. I am a poor household. What formalities do I need?

I. Materials required for application:

1. Original and photocopy of ID card; Original and photocopy of the household registration book;

2. Fill in the loan application form; Provide collateral (collateral can be crops, land use rights, forest ownership certificates, etc.). );

3. Go to the guarantee company to sign the guarantee and counter-guarantee contract; Signing a loan contract with the loan issuing bank; Just submit a bank card of the loan bank.

Second, the application conditions for precision poverty alleviation loans

1, aged between 18 and 60 years old, with a 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;

Third, the handling procedures

1. Generally, you can refer to the "five-step method-household application, village preliminary examination, township examination, county examination and bank approval" for lending (see "Flow chart for handling poverty alleviation microfinance"). According to the actual situation, all localities can formulate specific operating procedures.

2. Village-level organizations (village committees or village-level management organizations established for poverty alleviation microfinance loans) can evaluate the community credit, development ability, labor skills and law-abiding of poor households and their families according to the application of poor households, and can be "approved once and upgraded (downgraded) year by year".

To apply for a loan, we should combine the village's industrial development planning, market demand and the lender's family reality to see whether the development project is suitable, whether the development scale, loan amount and duration are suitable, and put forward preliminary opinions. The relevant departments of the township government mainly check whether the project conforms to the actual situation and the poverty alleviation plan, and put forward audit opinions; The account managers of grass-roots financial institutions conduct on-the-spot investigation and audit as required.

Extended data

Accurate poverty alleviation loans apply for loan approval.

The first is the loan preliminary examination. After accepting the applicant's application, the village committee shall check the submitted loan materials and relevant valid documents for preliminary examination; Poor loan households to join the village "branch" or poverty alleviation fund cooperatives, by the village "branch" or poverty alleviation fund cooperatives audit recommended, and then by the village committee to check the submitted loan information and relevant valid documents for preliminary examination.

The second is loan review. The town government focuses on checking the information of applicants and poor households to ensure consistency; Check the feasibility review of the poverty alleviation project determined by the loan applicant. After the approval, the list of poor households who intend to declare loans will be publicized in the relevant villages for a period of 3 days, and the report telephone number will be announced. The county poverty alleviation office will verify the loan objects reported by the towns.

The third is loan approval. County loan work leading group office shall examine and approve the loan application materials reported by towns, review the information of applicants and poor households, guide and check the poverty alleviation projects proposed by applicants, review and determine the feasibility of driving the projects, and report them to the county loan work leading group for examination and approval.