How to apply for a subsidized loan for poverty alleviation?
One, the declaration principle: in accordance with the "enterprise application, qualification examination, the People's Bank of China verification, county (city) approval, city (state) for the record, the provincial level for the record," the principle of "the enterprise application, qualification examination, the People's Bank of China verification, county (city) for approval, city (state) for the record, the provincial level for the record.
Second, the object and scope of the subsidy: the object of the subsidy for poverty alleviation loans is to serve poor villages, poor households, to fulfill the responsibility and obligation of poverty alleviation, driving poor villages, poor households to increase income is closely related to poverty alleviation enterprises, farmers' professional cooperative organizations and capable of large-scale households.
Third, the discount method: poverty alleviation project loan interest subsidies to implement the project directly to subsidize the implementation of the project unit, the previous year, October 1 to September 31 of the current year has occurred during the loan enterprises and projects to subsidize the interest rate.
Fourth, the amount of declaration: poverty alleviation project loans to implement a fixed interest rate subsidy rate, according to the annual interest rate of 3% of the standard to give the subsidy; subsidy period of one year, the loan period of less than one year to the actual loan period shall prevail.
Fifth, the materials submitted:
1, relevant documents. Enterprise business license, organization code, tax registration certificate, bank account opening permit, bank loans, enterprise credit report, loan contracts, loan interest-bearing summonses and other copies, enterprise legal representative ID card and other photocopies (stamped) and so on. Farmers professional cooperative organizations, capable of providing relevant documents according to the actual situation.
2, enterprise loan project plan. The content mainly includes: (1) has (to be) the loan bank, loan amount, loan interest rate, loan starting and ending period; (2) the basic situation of the enterprise, the use of the loan project construction content, scale of investment, the implementation of the period and progress of the arrangement, the enterprise's economic benefits, the project directly covers the number of poor villages or drive poor households, support for the way to increase income and poverty alleviation and social effects of the calculation.
3, poverty alleviation responsibility agreement. Including the enterprise to participate in the whole village to promote poverty alleviation and development, village enterprises *** building poverty alleviation project to help, the project directly covers poor villages, drive a number of poor households to get rid of poverty and become rich and other commitments.
4, enterprise credit report or relevant supporting materials (farmers' professional cooperative organizations and capable of large households by the lending bank and the local government to provide relevant supporting materials) materials.
5, other required materials.
50,000 subsidized loans for poverty alleviation repayment need to be personally
Poverty alleviation loan money for the family, all family members have the obligation to repay, if I can not afford to pay back, the family members of the lender can be replaced by repayment.
Legal analysis: precise poverty alleviation loans are generally used in the way of repayment at maturity, that is, people will repay the loan after maturity, the loan period is generally not more than 3 years, precise poverty alleviation loans are enjoying the government subsidized interest rate policy, only need to repay the principal can be, for the expiration of the repayment of the ability to not repay, you can apply for repayment of the installment and for renewal procedures.
Legal basis: "The Chinese People's **** and State Population and Family Planning Law" Article 28 of the local people's governments at all levels of the rural families practicing family planning to develop the economy, to give financial, technical, training and other aspects of the support, preferential; to the practice of family planning for the poor families in poverty alleviation loans, food for work, poverty alleviation projects and social relief and other aspects of the give priority to care.
Is it true that Agricultural Bank of China has launched a loan to help businesses?
It is true. But there are loan conditions.
The Agricultural Bank of China (ABC) Helping Business Loan, or ABC Poverty Alleviation Subsidized Loan, is a highly policy-oriented loan set up by the Agricultural Bank of China (ABC) in accordance with the Outline of China's Rural Poverty Alleviation and Development Program for the purpose of supporting the economic development of key poverty-stricken areas and lifting the rural poor out of poverty and increasing their incomes.
The Poverty Alleviation Subsidized Interest Loan is mainly used in the national key counties for poverty alleviation and development work, to support the plantation and livestock raising industry, labor-intensive enterprises, agricultural product processing enterprises and market distribution enterprises, as well as infrastructure construction projects that can drive the low-income poor population to increase their incomes.
Development History
Agricultural Bank of China Beijing Head Office Building
Agricultural Bank of China, the predecessor of which can be traced back to the Agricultural Cooperative Bank established in 1951, was the first professional bank established in the new China period, and the first state-owned commercial bank established in new China.
In February 1979, the Agricultural Bank of China was reestablished and headquartered in Beijing.
On February 23, 1979, the State Council issued the Circular on the Restoration of the Agricultural Bank of China.
On June 1, 1984, the Agricultural Bank introduced the first World Bank loan.
On June 24, 1985, the Agricultural Bank of China unified its name for the first time.
Conditions for poverty alleviation loans need to meet these conditions
Conditions for poverty alleviation loans? It is reported that the conditions of the poverty alleviation loan: the lender is judged by the local authorities to be a poor household, the lender needs to be "three good" farmers, "three strong" farmers, "three" farmers, "three" farmers, "three" farmers. "The company's website has been updated with the latest information on the program.
Poverty alleviation loans are managed by the local poverty alleviation office, the specifics need to consult with the poverty alleviation office, the general policy loan application materials required: original ID card and photocopies, the original and photocopies of the household register, fill out a loan application form, provide collateral (collateral can be crops, land use rights, forest rights certificates, etc.), go to the guarantee company to sign the "guarantee and counter-guarantee contract" with the loan issuing bank to sign the "loan contract" and submit the loan to the bank.
Poverty alleviation loan is a policy loan business undertaken by domestic financial institutions, it is an important part of China's poverty alleviation and development, there are two main forms of issuance: one is a small poverty alleviation loan to the household, and the other is the poverty alleviation loan issued to the leading enterprises and infrastructure construction.
January 1, 2000 onwards, the central finance according to the state council to determine the annual scale of poverty alleviation loan plan (including the year new, recovered refinancing, not yet due to the previous year's new poverty alleviation loans), in the amount of the plan to subsidize the interest rate. 1998 years ago, all the issuance of poverty alleviation loans are no longer subsidized interest rates;
Based on the state council to make "from the year 2000 onwards, the new poverty alleviation loans of that year will be subsidized by the state council. Starting in 2000, the State Council made "the new poverty-alleviation loans, the recovery of poverty-alleviation loans, as well as the new poverty-alleviation loans that have not matured in the previous year are all included in the current year's poverty-alleviation loan program; the Ministry of Finance in accordance with the annual poverty-alleviation loan program to give interest" decision, the central government to subsidize the interest rate in the State Council approved the scale of annual poverty-alleviation loan program, in principle, only one year.
About the poverty alleviation subsidized loans and poverty alleviation subsidized loan interest how to make up for the introduction to this end, I do not know you find the information you need from it?