Guide language:
This year, maintain dead audacious starved to death and recreant, do agriculture to come up against good project, want earn much, nothing more than enlarge is large-scale.
Grow in what gain realizes on existing foundation especially breed door, below the circumstance that demands exceeds supply in the product, wished to contract the land of whole county. This moment you most those who be short of is certainly -- money!
The affirmation that do not have money the first those who think of is loan, but can you lend a money easily? Do you know the way to do sth of loan backside again?
Anxious anxious! Does agriculture borrow money how so difficult?
One cooperation managed Shaanxi more than two years, development still must calculate pretty good. But the product line that cooperation does not have him all the time, relevant product still takes the kind that trusts production, this makes the development of cooperation got very big restrict.
Then cooperation president wants to apply for agricultural loan, enlarge cooperation dimensions next. After going to a bank, it is intractable to discover the thing imagines than oneself however much.
Layer upon layer formalities has done, discover refuse to come down of a sum of money however finally!
The discovery in the process is visited in us, a lot of cooperation, farming look forward to faces the problem with capital shortage, bad loan, even the loan of pay interest in the form of a deduction when selling a bill of exchange of a lot of places does not lend a money because of operator, and this welfare is stuck at all do not go out.
Actually, annual the amount of national agriculture credit is not small, but do not lend a money however for operator of what kind of much agriculture? A lot of agriculture manage principal part (it is with cooperation exemple) borrow often exist less than the following problem:
The first, assets is not quite stable.
The market admittance requirement of farmer cooperation is very low, establish a cooperation to want to 5 above farmer can be dealt with only register.
And cooperation takes a member principle of company of freewill advance and retreat, the farmer can take the manufacturing data such as land, Agricultural Machinery and Implement, pound to become a shareholder cooperation, much executes acquisition earnings to share out bonus and be returned still, this makes the capital operation condition of cooperation so not stable.
The 2nd, finance affairs is extremely non-standard.
Cooperation of a few farmers is engaged in produce primary stage of production, just organize member production, sale simply according to market level, a lot of cooperation do not have normative financial forms for reporting statistics, some is financial even a disorder.
And the bank extends the condition of loan is property right standard of clear, management, have stronger gain ability and repay ability. A lot of cooperation interior run a system especially financial institution is diseased, cannot achieve a bank to put borrow a requirement.
The 3rd, be short of rare effect to assure pawn.
A lot of cooperation cannot be offerred assure effectively pawn, the difficulty when borrowing money consequently is heavy.
The 4th, do not understand loan policy and technological process.
Do not know this the branch applies for to which, and bring about do not lend a money.
How can ability lend a money?
1.Understand " two authority " pilot, guaranty borrows money no longer difficult
August 2016, the State Council published relevant policy, the decision is the same as by center guild in the center of farming do wait for 11 branches organization to begin a country to contract the right of administration of land and loan of mortgage of right of farmer housing property are pilot.
Last year the end of the year, the country decided formally again mix in 232 respectively 59 pilot counties (city, area) allow to contract with the country the right of administration of land and loan of mortgage of right of farmer housing property.
This one policy comes on stage to bring new turning point to agricultural development undoubtedly, use " two authority " pilot, conduce to redneck taking agricultural loan.
2. finance affairs is normative, take loan smoothly
Must not ignore financial problem. Manage the inspecting of financial problem to agriculture, it is the important one link in bank loan. Healthy financial standing, clear Zhang Wu is conveyed, be whether the main factor that takes loan.
3.The doorsill is reduced, it is easier to take money
A lot of places begin to take rural finance credit seriously this one problem, some areas already took out plan even.
For example, the development characteristic that agriculture of place of union of a few areas produces Xinjiang, innovation credit mode, execute essence of life to allow to give aid to, the loan difficult problem that in solving agriculture effectively to manage main body in production, encounters.
And in the center of those who allot " deepen a country to reform synthetic executive program " , put forward clearly also to want energetically system of banking of perfect rural area, include several times of this year to fall to lower interest definitely, mean loan doorsill to will be reduced, the procedure will be more simple.
How can be different subject borrowed?
Sort of business of money of experience agriculture loans is not little, below it is with the regulation of Chinese agriculture bank exemple, say those demands of loan to you.
Farmer is small loan
1.What person can apply for farmer small loan?
Have citizenship of People's Republic of China, the age is in above of 18 one full year of life (contain 18 one full year of life) , and the age when applying for loan and the sum of loan time limit do not exceed 65 (contain 65) ; There is fixed dwelling place in rural region, healthy, have competence of completely civil action and labor capacity, hold is effective identity document. The production that is engaged in runs an activity, accord with state law code and industrial policy.
2.How to fetch farmer small loan?
Use many couplet to protect commonly (3 above) , officeholder assures, the company adds farmer, guaranty to assure wait for means, still can apply 10 thousand yuan of the following credit.
3.How much is deadline, interest rate and forehead are spent?
Those who use the general means that use a fund, loan time is the longest do not exceed 3 years, but reclaim to be engaged in Lin Guo course of study waiting periodic and longer production runs an activity, can delay to 5 years. Use self-help to be able to circulate of means, can circulate loan specified amount spends time the longest do not exceed 3 years.
Farmer is small borrow money sheet door awards letter forehead to spend start to be 3000 yuan, highest do not exceed 50 thousand yuan (contain) .
Farmer major cooperation borrows money
Who can apply for 1. does farmer major cooperation borrow money?
Be in early 2013, chinese agriculture bank was released technically " loan of cooperation of major of farmer of Chinese agriculture bank runs way " , set among them, cooperation is in the country the family contracts on management foundation, production of congener perhaps agriculture manages the manufacturing operator of congener produce the offer person of the service, person that use, the coadjutant sex economy of freewill combination, democracy management is organized.
Cooperation loan basically is used at purchasing agriculture to produce a material, receive by-product of farming of purchase and sale, be engaged in agricultural establishment building the utility such as maintenance, do not manage the utility besides so that be used at agriculture to produce.
2.Is loan specified amount spent highest how much be?
Loan of circulating fund of farmer major cooperation is highest 2 million yuan. Borrowing money extend on, key support cultivates course of study, aquaculture, preferred supportive produce treatment and cooperation of line of business of agricultural machinery service.
3.How to obtain loan of farmer major cooperation?
Can use touch (qualitative) detain assures, economic substance assures to assure or the natural person assures to assure. Cooperation loan in principle should increase thing of cooperation director, inspect to grow wait for cooperation main member joint liability assures to assure, deal with the except of business of low risk credit.
4.Time limit of loan of farmer major cooperation how long?
Cooperation loan time limit does not exceed 1 year commonly, need to exceed 1 year truly, should sign up for one class branch to examine and approve, and loan time is the longest do not exceed 3 years.
Professional large family (domestic farm) loan
Chinese agriculture bank released the loan government measure that is aimed at farm of professional large family, family technically 2013.
In the light of them dimensions changes agriculture to produce management big fund requirement, specified amount of sheet door loan is spent highest can go to 10 million yuan;
On loan utility, buy agriculture to produce the liquidity capital requirement such as the data besides contented client, still can use at farm to basic establishment is built and pay land to be on the move charge;
What manage type and fund use according to the client is different, loan time is the longest can amount to 5 years.
Assure in guaranty on means, have large and medium-sized guaranty of Agricultural Machinery and Implement, farming guaranty of by-product guaranty, Lin Quan guaranty, rural new-style property right, " company ＋ farmer " assure to assure, farmer major cooperation assures etc " 3 farming " characteristic assures means, still allow to extend to according with conditional client at the same time credit.
Application technological process
1. accepts loan application
Borrower asks according to what loan sets, open an account to seat the bank offers written loan application, add concerned data. Be like those who have security, include the concerned material of security.
2. loan is examined
Open an account after the bank accepts loan to apply for, undertake to loan feasibility is examined in the round, include to fill a loan door fundamental condition register, or individual loan is basic circumstance register is mixed the place such as watch of analysis of statistic of loan door finance affairs lists an item.
3. loan is examined and approve
To evaluating the loan application that accords with loan requirement through examining, examine and approve attributive regulation to have loan according to loan decision-making, deal with loan to examine and approve formalities.
4. signs loan contract
To the loan via examining approval, loan is bilateral according to " loan contract rules " sign written loan contract with concerned regulation.
5. loan extends
The loan contract that signs according to leasehold both sides and production are managed, the reasonable capital need of construction, deal with leasehold formalities.
6. builds loan register
7. establishs loan record
Establish respectively by borrower, the fundamental condition that account borrower wants on archives, production management situation, loan extends, the circumstance such as examination of credit punish, loan and economic activity analysis.
8. loan supervises an examination
After loan is given off, to borrower the executive circumstance in loan policy and loan contract undertakes supervisory checking, want to correct processing in time to violating policy and act of break a contact.
9. calls in on schedule loan
The loan time limit that should insist to decide according to loan both sides calls in loan. Before loan expires, written announcement borrower prepares to remand the capital of loan principal and interest. Borrower borrows money because of what warrant cannot repay on schedule, delay can apply for to remand before expire, classics bank is examined after agreeing, the deadline that presses an agreement calls in.
10. blame takes up normally the processing of loan
Want to undertake monitoring assessing already, want to take corresponding and significant step again, distinction does not give with the circumstance processing.
The country invests the allowance capital of huge amount every year toward agriculture, having among them is partly quite " fill in order to stick era " form, come through loan pay interest in the form of a deduction when selling a bill of exchange allowance agriculture.
To new-style agriculture management main body, must learn " the issue that uses national him Qian Gan " . The strength as financial support agriculture is greater and greater, include capital east the investment that waits for new-style finance, the capital problem that puzzles our agriculture person will get settlement stage by stage.
Composing | Small drawer
