A, what is the loan interest policy
Loan interest policy refers to the state in order to support a certain industry, the implementation of the industry's loan interest subsidies, such loans are called subsidized loans.
Loan subsidized interest refers to the micro-guaranteed loans used to engage in micro-profit projects by the financial factual full or partial interest subsidy, the borrower himself does not pay interest during the loan period, the interest subsidy for a maximum of no more than two years, rollover does not subsidize the interest rate. Fiscal subsidized loans are hosted by the government, the general purpose is to activate economic vitality, promote economic development, is a form of financial subsidies.
The state subsidizes the interest on loans to certain enterprises for certain projects for a certain period of time at a certain percentage.
The advantages of using fiscal subsidies are:
①With less fiscal funds can attract a large amount of social funds to ensure that the national key construction funds.
②Since the financial subsidy is firstly used in the national key construction projects, it is conducive to adjusting the investment structure and rationalizing the industrial structure.
③It is conducive to reducing the cost of enterprise products and increasing enterprise profits, which is also conducive to increasing fiscal revenue.
④The implementation of different interest rates for different industries is conducive to the establishment of a reasonable interest rate system, which is conducive to the indirect regulation of production and consumption.
Two, what is the subsidized loan, 50% subsidized interest how to calculate the repayment amount, the loan amount of 2 million, 1 year...
2 million annual interest rate is assumed to be 6% that is 120,000 interest
Government subsidized 60,000
Then the government is generally the year after your loan, in two installments of appropriations, as an example
2011 January - December occurred in the loan
June 2012 or so, began to allocate the first and second quarter of 2011 subsidized interestthen the end of 2012 and then allocated the third and fourth quarter
Payment is a local government's Finance Bureau remarks for science and technology enterprises (entrepreneurial enterprises) loan subsidies
Three Lununong guarantee standard is what?
Shandong Province Agricultural Development Credit Guarantee Co., Ltd. is a state-owned agricultural credit guarantee company approved by the provincial government, to implement the national and provincial government policies to strengthen agriculture and benefit agriculture for the purpose of the purpose of not for profit, and to play an active role in "credit, insurance, and empowerment" for the role of agriculture, especially the grain scale operation. Especially for new agricultural business subjects of food moderate scale operation to provide credit guarantee services. Provincial agricultural guarantee company in Zoucheng City office was established in September 2018, since the establishment of the office, and Shandong to Cheng Agricultural Development Co., Ltd. co-located, fully aware of the significance of the financial promotion of rural revitalization, closely around the city's agriculture, rural areas, farmers' financing needs, is committed to cracking the agricultural "financing difficulties, financing, financing, financing," the problem of The problem, help the province's rural revitalization strategy and the development of modern agriculture.
Objects of service and scope of guarantee
Family farms, large farmers, farmers' cooperatives, agricultural social service organizations, small and micro-agricultural enterprises, engaged in food production, animal husbandry and aquaculture, vegetables, fruits and tea and other advantageous characteristic industries, agricultural capital, agricultural machinery, agricultural technology and other agricultural social services, farmland infrastructure, as well as directly related to agricultural production of one, two, three industries integration development projects The new rural industries, such as family leisure agriculture and sightseeing agriculture, which encounter financial problems in production and operation, can apply for guarantees provided by the provincial agricultural guarantee, and the loans will be issued by the cooperative banks after passing the assessment.
Second, reference standards
(a) moderate scale planting standards:
1. engaged in food crop production, planting area of more than 100 acres;
2. engaged in the production of vegetables, more than 50 acres of fields;
3. engaged in the cultivation of edible fungi, the main business area of more than 10 acres;
4. Engaged in fruit production mainly, more than 150 mu of dried fruits and more than 80 mu of fruits;
5. Engaged in tea planting mainly, with a business area of more than 80 mu;
6. Engaged in flower planting mainly, with a business area of more than 50 mu;
7. Engaged in seedling planting mainly, with a business area of more than 100 mu;
8. Engaged in economic forestry Planting and forest economy, with an area of more than 50 mu;
(2) Moderate-scale farming standards:
1. 200 or more hogs;
2. 50 or more cows;
3. 200 or more sheep;
4. 3,000 or more poultry;
5. 300 rabbits Above;
6. Operating pond farming area of more than 50 acres;
7. Waterfront aquaculture area of more than 500 acres;
8. Recreational fishery ponds of more than 50 acres;
Three, customer conditions
Basic conditions of the application for processing:
(a) The customer and its legal representative, main investor, the actual controller, Honest and trustworthy, no bad credit record, no bad habits;
(ii) Actual operation for more than one year, products and services with strong market competitiveness and growth;
(iii) Fixed production and business premises, stable economic income and benefits, with the ability to repay the principal and interest on maturity;
(iv) The main business is clear and stable, with normal production and operation;
(e) the use of financing is legal, compliant and true;
(f) there are necessary counter-guarantee measures;
(g) in line with the national policies on industry, environmental protection and land use;
four, preferential interest rates
"Lutian Huifang Loan" within the policy of the loan amount of 10-3 million yuan, for a wide range of radiant, land-use and agricultural products, the loan amount of 10-3 million yuan. 3 million yuan, for radiation, strong driving force, and agricultural industrialization leading enterprises with close interest linkage with farmers, as well as the implementation of farmland infrastructure and other projects to improve food production capacity, can exceed 3 million, but the maximum of 10 million yuan, the comprehensive cost of the loan consists of the annual interest rate of the loan and the rate of the guarantee fee, the guarantee fee by the people's government of Jining City, the business body to bear the annual interest rate of the loan is in principle No higher than 5.655%, after normal settlement, the Shandong Provincial Department of Finance will subsidize the interest rate in accordance with 50% of the annual interest rate of the loan (in principle, the annual interest rate of the bank loan will not exceed 30%, i.e., 5.655%-2.175%, the provincial Department of Finance subsidizes the 50% of the annual interest rate of the loan = 3.48%), and after the subsidy, the annual interest rate of the loan borne by the main body of the business is not higher than 3.48%, and the term of the loan guarantee is, in principle, 1-3 years. is 1-3 years.
V. Process
(a) Application: 1. to the provincial agricultural loan office in Zoucheng City; 2. to the cooperative bank.
(2) investigation and approval: the provincial agricultural loan office in Zoucheng City and the cooperative bank to jointly carry out due diligence, collect materials, review and approval in accordance with the provisions.
(3) Signing of Contracts: Signing of loan contracts with cooperative banks and signing of entrusted guarantee contracts with the provincial agricultural guarantee company.
(4) Bank lending: after the examination and approval of the provincial agricultural guarantee company, the cooperative bank will lend the money.
Four, student loan repayment financial subsidy is how? To be repaid together with the financial subsidized interest rate
For example, the bank loan interest rate may be 5%, due to the student does not have income, lower credit, the bank may not be willing to take the initiative to give loans to the students, therefore, the government introduced the financial subsidized interest rate policy, to encourage the bank lending. Assuming that the fiscal subsidized interest rate is 3%, that means you only need to repay the principal and 2% interest. The fiscal subsidized interest rate does not need to be repaid unless you have a serious default.