What are the problems with poor households' share dividends?

There are security risks. The investment of poverty alleviation funds in poverty alleviation industrial projects is risky, which is not conducive to the stable poverty alleviation of poor households. Poor households refer to families with difficulties in life, without special policy subsidies, and usually refer to families with annual per capita net income below 865 yuan.

Who is the target of poverty alleviation microfinance?

The support targets of poverty alleviation microfinance include poor households who have been lifted out of poverty, and the upper age limit of borrowers can be relaxed to 65 years old.

Poverty alleviation microfinance, loan extension and extension policies remain unchanged during poverty alleviation. Adhere to household borrowing, household use and household return, and accurately use it for poor households to develop production, and not for unproductive expenditures. We will continue to prohibit the newly issued micro-loans for poverty alleviation from being handed over to enterprises, government financing platforms or other organizations in the form of share dividends, loans and index exchange.

Incorporate the quality of poverty alleviation microfinance and the disposal of overdue loans into the annual assessment of poverty alleviation by local party committees and governments, and regularly inform the development of poverty alleviation microfinance. Timely sum up the good practices and experiences of various localities in regulating the healthy development of poverty alleviation microfinance, and further increase exchanges and promotion.

Extended data:

Letter of credit clause

Poverty-stricken households who newly apply for poverty alleviation micro-loans (including loan renewal and extension) must abide by the law, be honest and trustworthy, have no major bad credit records, and have full capacity for civil conduct; Must obtain credit through bank rating, have the willingness to lend, have the necessary skills and quality, and have certain repayment ability;

Loan funds must be used for industries and projects that do not violate laws and regulations, and have certain market prospects; In principle, the age of the borrower should be between 18 years old (inclusive) and 65 years old (inclusive). Banking institutions should comprehensively consider the borrower's own conditions, loan purposes, risk compensation mechanism, etc. And make your own loan decision.