Carry out for development " new Nong Jingying " breed development to plan, drive rural youth to be able to do poineering work further, start line of business, alleviate financing expensive issue of difficult, financing, agriculture Bank of round provincial Party committee, province, province farming carries a company to decide to be rolled out jointly " new Nong Jingying is borrowed " finance serves, do poineering work for rural youth hard turn real issue into the favour.
Part. 1
Overall train of thought
Conformity saves various round organization, agriculture completely bank and farming the resource element that carries a company, lest mortgage " new Nong Jingying is borrowed " financial product is grasper, exploration is built cross the industry, deep administrative levels, country young person that covers completely to do poineering work finance serves a system, give aid to youth of complete province country does poineering work, breed rural youth talent, aid force to take off deficient assault fortified positions and countryside to revitalize.
Part. 2
Goal assignment
It is difficult to be aimed at financing of rural poineering youth with expensive issue, on the foundation of sufficient survey, carry out deep " new Nong Jingying is borrowed " finance serves, give aid to youth of 300 above country does poineering work every year mainly project, solve difficult problem of poineering loan of youth of more than 1000 country hard.
Part. 3
Product introduction
(one) product characteristic
Loan object: Save poineering youth of the country inside limits completely, include not organization of service of socialization of cooperation of farm of family of be confined to, farmer, agriculture and innovation, grow model in the legal representative of business of small small agriculture or effective control person.
Loan utility: Basically use at borrower to be engaged in fruit of tea of aquiculture of grain production, pasturage, dish waiting for industry of aricultural advantage characteristic; Farming endowment, the agricultural socialization such as agriculture machinery, farming ability serves; Farm infrastructure construction and produce direct and relevant just a little with agriculture project of 3 industries confluence; The family is recreational the condition of agricultural new job such as the rural electron business affairs related agriculture, sightseeing agriculture, produce.
Loan specified amount spends: Sheet door loan does not exceed 3 million yuan.
Loan time limit: The longest do not exceed 3 years.
Carry insurance cost to lead: 0.5-1%/ year privilege carries insurance cost to lead.
Loan interest rate: Highest the corresponding period that does not exceed people bank to announce borrows money with class rise of standard interest rate 10% .
Assure means: Farming carry a company to assure to assure, the member offers a family that lives jointly with borrower to assure instead.
(2) main demand
Poineering youth age is the country of 1. application loan 18 one full year of life (contain) above, 40 one full year of life (contain) the following; 2. Camping ground of poineering youth classics or census register are in the country that applies for loan Jiangsu is provincial; 3. Application main body is engaged in manufacturing management activity lawfully, was not punished by administration; 4. Application main body manages two years to reach above continuously, or the accountant forms for reporting statistics that has a whole year at least; 5. Record of credence of person of the legal representative that files principal part, effective control is good, do not have undesirable credence to record.
(3) application means
The country that 1. has financing demand does poineering work youth to place villages and towns (street) round organization puts forward " new Nong Jingying is borrowed " application, fill in " " new Nong Jingying is borrowed " application form " (accessory 1) .
2. classics villages and towns (street) round organization first trial and county (city, area) round municipal Party committee appears in the newspaper after the group organizes reexamine, the concentration after approve of round municipal Party committee recommends each city farming carries company and agricultural bank.
After city farming carries company and agricultural bank to examine and approve, 3. finishs loan procedures each.
Part. 4
About the requirement
(one) build platform, build communicate harmonious mechanism. Bank of various round organization, agriculture and farming carry a company to want close tie, strengthen communicate, start working of fixed call together makes harmonious meeting, clear person specially assigned for a task negotiates the problem that in solving working process, encounters. Want adjust measures to local conditions, strengthen right " new Nong Jingying is borrowed " working investigation and study, the country that masters different area, different type, different dimensions does poineering work financing demand of the youth, innovation job act, sum up successful experience, perfect working mechanism, do poineering work for youth of our region country truly tackle difficult problem of real issue, solution.
(2) close cooperation, build resource to share a mechanism. Various round organization should develop constituent dominant position, increase guaranty, low to avoiding interest rate on one hand " new Nong Jingying is borrowed " the propagandist strength of financial product, make youth of our region country witting; Master the development state of affairs of poineering youth of various places country and financing demand on the other hand, go development poineering youth and poineering project sieve single the country with good credit of beautiful of foreground of muscularity, project, individual come. Agricultural bank is divided each () should produce advantage of Wu of kimono of network dominant position, product advantage adequately all right, clear personnel is responsible " new Nong Jingying is borrowed " sale works, passageway of open up green, provide special fund, preferential examine and approve, fast loan. Various farming carry a company to want brief chemical industry to make circuit, execute privilege to carry insurance cost to lead, provide service of high grade banking.
(3) Wu begs actual effect, build effect to evaluate a mechanism. Take the lead every months to be mixed with city agriculture bank by round municipal Party committee city farming carries a company to this city " new Nong Jingying is borrowed " the job undertakes the effect is evaluated, make clear each duty, discover a problem in time, promote the job effect. Lay key youth group, begin a product extensively to recommend butt joint of meeting, silver-colored look forward to meeting, send shift the activity such as go to the countryside, do servive routine of poineering finance of youth of nice rural area jointly. Agriculture Bank of round provincial Party committee, province is mixed province farming carries company every quarter to will be begun to each district " new Nong Jingying is borrowed " the circumstance undertakes working reporting.
Finally
Small make up young associate people graphic
Rural individual produces management loan
Wonderful answer eye
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