The difference between industrial poverty alleviation loans and project poverty alleviation loans

1. Industrial poverty alleviation: it is considered from the industrial aspect

2. Project poverty alleviation: it is considered from the project content

What conditions are needed for poverty alleviation loans

1. Applicants must have a fixed residence and have full civil rights between the ages of 18 and 6.

2. In addition, the applicant should have repayment ability, no bad credit record, loan willingness and independent development ability.

third, the production and business activities are in line with national laws, regulations and industrial policies, which can drive poor farmers who lack the ability to get rich to increase their income and get rid of poverty.

iv. the lender shall sign an agreement with the village committee, the town government and the competent department to promote poverty alleviation, and must be a rural cooperative organization or a leading enterprise that can promote economic development.

5. if the lender is an enterprise legal person, it must have legal and valid certificates such as business license, organization code certificate, tax registration certificate, production and operation license, etc. 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 generation of loan risks often begins at the stage of loan review. It can be seen from the comprehensive judicial practice that the risks in the stage of loan review mainly appear in the following links.

the content of the review left out the bank's loan examiners, resulting in 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 and lack due diligence, so 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. 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 established in accordance with the law, whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate, and 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 suitable for 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 issuing 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 representatives and major managers of the enterprise. Including:

those who engage in gambling, drug abuse, whoring, keeping mistresses, frequenting dance halls and saunas, excessively organizing weddings and funerals, buying limousines that are not commensurate with their economic strength, and frequently renting luxury hotels, etc., must be strictly controlled.

conditions of agricultural poverty alleviation loans

legal analysis: conditions of poverty alleviation loans: the lender is judged to be a poor household by the local authorities, and the lender needs to be a "three good" farmer, a "three strong" farmer, a "three haves" farmer and a "three noes" farmer. The poverty alleviation loan is managed by the local poverty alleviation office, and the specific situation needs to be consulted with the poverty alleviation office. Generally, the materials required for the policy loan application are: the original and photocopy of the ID card, the original and photocopy of the household registration book, filling out a loan application form, providing collateral (the collateral can be crops, land use rights, forest property rights, etc.), going to the guarantee company to sign the Guarantee and Counter-Guarantee Contract, signing the Loan Contract with the loan issuing bank, and submitting a silver card of the loan issuing bank.

legal basis: article 3 of the agricultural law of the people's Republic of China places agriculture in the first place in the development of the national economy. The basic objectives of agricultural and rural economic development are to establish a rural economic system that meets the requirements of developing a socialist market economy, continuously liberate and develop rural productive forces, improve the overall quality and efficiency of agriculture, ensure the supply and quality of agricultural products, meet the needs of national economic development, population growth and improvement of living standards, improve farmers' income and living standards, promote the transfer of surplus rural labor to non-agricultural industries and towns, narrow urban-rural differences and regional differences, build a rich, democratic and civilized new socialist countryside, and gradually realize agricultural and rural modernization.

what is the rural poverty alleviation loan? What are the application conditions? How to handle it?

The village where my hometown belongs is a poverty-stricken township at the provincial and ministerial levels. Remote and sparsely populated, per capita arable land is not enough, and transportation is extremely troublesome. In the first 3 years, most of the villagers went to Guangdong to work and earn money. Many families bought houses or built houses in the towns of the city according to their hard work for 2 or 3 years and accumulated little by little, 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, the precision poverty alleviation has continued to increase. From the basic construction of rural infrastructure that benefits the whole people to the support of households at present, the precision poverty alleviation has continued to be all-round and delicate, which has changed the appearance of this poor township from action, and

changed the original backward logical thinking of needy households from the ideological point of view. Rising from the ground, financial poverty alleviation is exactly the behavioral foundation of farmers on the road to poverty alleviation. Secondly, you must have a development trend of the project, or you need to have an independent entrepreneurial behavior subject. 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 sheep shed and sheep. Only poor households who meet the standards of investigation are eligible to apply for small loans. The most important thing is that you must have good credit when handling loans.

Poverty alleviation is free of loan guarantee and pledge, but one prerequisite is that you must have a good local reputation. If people in ten miles and eight townships have good comments on borrowers, there is generally no problem with borrowing; But if you do nothing and idle around, it will definitely be cold. Eligibility to apply for subsidized loans for poverty alleviation: the age group is between 18 and 6, with a fixed residence and complete civil capacity; Hold a valid ID card, have repayment ability, and have no bad credit record; The production and business activities undertaken by him are in line with national laws and regulations and national industrial policies;

having the intention to borrow and the level of independent development; Can promote poor farmers who lack the level of making a fortune (must be poor households with minimum living allowances) to earn income and get rid of poverty, rural cooperative institutions, and agricultural industry leaders; Borrowers need to sign an agreement with needy households, villagers' committees, town governments and industry authorities to promote income generation, get rid of poverty and become rich, apply the loan amount of poor farmers, and assume all repayment obligations of loans as the main body of loan undertaking; 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, manufacturing license, etc., in addition to the standards mentioned in the preceding paragraphs 1 to 4.

This is the end of the introduction of industrial poverty alleviation loans and industrial poverty alleviation loans. Did you find the information you need?