How to determine the interest rate of precision poverty alleviation?

The special loan for precision poverty alleviation refers to the micro-credit loan issued by Lixian Rural Credit Cooperative Association (Lixian Rural Commercial Bank, the same below) within the prescribed amount and time limit to solve the problem of insufficient funds in the process of farmers' development of production, income increase, poverty alleviation and entrepreneurship.

Potential borrower

The target of the special loan for precision poverty alleviation is all 1252 poor households in the township who have set up files and set up cards.

Loan principle

1, adhere to the principle of voluntary disclosure, and give priority to loans to poor households who were pre-lifted out of poverty that year. 2. Adhere to the principle of benefiting poor households. 3. Adhere to the principle of "lending, using well and taking back".

The intended use of the loan

Special loans for precision poverty alleviation are used to support borrowers to engage in business activities such as planting, breeding, processing of agricultural and sideline products, e-commerce and rural tourism.

loan limit

The loan amount is determined according to the actual needs of poor farmers who set up their files, and the loan amount for each household is1-50,000 yuan (including 50,000 yuan).

deadline

The loan term is 1-3 years (including 3 years), and the loan can be repaid in advance.

loan rate

The loan interest rate is subject to the benchmark interest rate of the People's Bank of China for the same period. If there is any adjustment, it shall be uniformly adjusted in June of the following year at 65438+ 10/.

Discount method

According to the principle of receiving first and making up later, the special loans for precision poverty alleviation are fully discounted by the Provincial Department of Finance according to the benchmark interest rate of the People's Bank of China for the same period, and the interest is calculated from the actual payment date of the loan funds and according to the actual days of use. In loans overdue, the overdue interest is borne by the borrower and does not enjoy the discount policy.

Loan method

① Direct distribution to poor households. For farmers who have the loan ability and repayment ability and can provide collateral, they will directly issue loans to farmers.

(2) the implementation of farmers' joint distribution. For farmers who have the loan ability and repayment ability, but cannot provide counter-guarantee measures, the three households jointly issue loans.

(3) Distribution through new agricultural production and operation entities (leading enterprises, professional cooperative organizations, etc.). ). For poor households with no business ability but in need of loans, encourage them to establish interest relations with leading enterprises, cooperatives, rich people and large industrial households in the form of "quantitative household, joint-stock cooperation, share dividends and rolling development", and use the obtained micro-credit funds to participate in industries with advantages in poverty alleviation.

Repayment method

The borrower undertakes the obligation to repay the principal and interest, and the principal and interest are deposited into the special account for accurate poverty alleviation loans of Lixian Rural Credit Cooperative Association (Lixian Rural Commercial Bank, the same below) on schedule, and the interest is recovered by the way of annual interest settlement, first receiving and then making up.