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Farmers can now get loans more easily, and banks feel safer about lending
They would rather forgo a 100,000 yuan fiscal subsidy and still hope to obtain a 1 million yuan loan. This one remark lays bare the thirst of new-type agricultural business entities for finance. Modern agriculture cannot do without finance, yet "difficult loans" and "expensive loans" have long plagued business entities, becoming "growing pains." Li
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Loans under borrowed names easily harm farmers' interests and must be strictly guarded against
Recently, some media reported that many farmers in Yangxi Township, Yujiang County, Jiangxi Province were dumbfounded when faced with being sued by a bank demanding repayment of the principal and interest of the full loan. It turned out that 6 years ago they applied to a certain bank's Yujiang sub-branch for a 30,000 yuan small loan for farming households, but what they received
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Anhui farmers receive collateral-free, interest-free loans credited directly to their accounts
For a long time, due to a lack of collateral or the difficulty of bearing relatively high loan interest, it has not been easy for grassroots farmers to expand production and increase income through loan financing. The new
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Guidelines for Applications for Agricultural Industrialization Operations Issued, Off-site Loans Can Enjoy Local Interest Subsidies
2016 Guidelines for Applications for Comprehensive Agricultural Development Industrialization Operation Projects Issued. Our reporter learned from Securities Daily that, in order to better select the best options and encourage qualified leading enterprises in agricultural industrialization, farmers' professional cooperatives and specialized large households, family farms, agricultural social service organizations and other new types of agricultural operating entities to apply for the 2016 National Comprehensive Agricultural Development Industrialization Operation Projects, the Ministry of Finance issued the "2016 Guidelines for Applications for National Comprehensive Agricultural Development Industrialization Operation Projects" yesterday.
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Where does the difficulty for farmers in getting loans lie, and how can it be solved?
Since April last year, the central bank has repeatedly cut reserve requirements in a targeted way for the agriculture, rural areas and farmers sector, releasing liquidity that has reached a scale of one trillion yuan, which will play an important role in promoting the sustainable development of our country's agriculture, rural areas and farmers. However, although farmers' demand for loans is very strong, rural households are currently
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How Can Farmers Apply for Loans Without Collateral
On August 24, the State Council issued the "Guiding Opinions on Carrying Out Pilot Programs for Mortgage Loans on Rural Contracted Land Management Rights and Farmers' Housing Property Rights" (hereinafter referred to as the "Opinions"), pointing out the need to prudently and steadily advance pilot programs for the mortgage, guarantee, and transfer of farmers' housing property rights, and to do a good job in pilot work on mortgage loans for rural contracted land (referring to arable land) management rights and farmers' housing property rights.
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Interest-subsidized loan policy must not be discounted halfway
In March this year, Luonan County in Shaanxi Province introduced targeted poverty alleviation fiscal interest-subsidized loans, with the county finance covering full interest subsidies for two years. But by July, the policy was adjusted, and the fiscal authorities would only bear half of the interest subsidy funds. In response, local authorities explained it was because "a few poor households did not use the interest-subsidized loan funds for industrial development, and some even deposited the interest subsidy funds in the bank to earn interest."
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Risks of Two Rights mortgage loans clarified: Central bank stresses red line on arable land must not be breached
A relevant official of the People's Bank of China answers reporters' questions on issues related to the pilot program for rural Two Rights mortgage loans. Recently, the State Council issued the "Guiding Opinions on Carrying Out the Pilot Program for Mortgage Loans on Rural Contracted Land Management Rights and Farmers' Housing Property Rights," and decided that the People's Bank
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Crop cultivation must adhere to the conditions; one must not pull up seedlings to help them grow.
The pilot program for mortgage loans on the "two rights" has drawn attention from both urban and rural society, and all localities have a strong desire for reform. However, the complex legal issues and potential risk pressures of rural land system reform determine the strict conditions for selecting pilot areas. It is unworkable to "create conditions even when there are none." According to the guidance
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How can the difficulty of obtaining loans in rural areas be solved? Improving the credit reporting system is key
The rural credit reporting system is an important part of the social credit system. The frequent difficulty of obtaining loans in China's rural areas is inseparable from the lagging development of the rural credit environment. To solve the difficulty of obtaining loans in rural areas as quickly as possible, it is necessary to accelerate the development of the credit reporting system and gradually achieve the integration of credit between urban and rural areas.
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