What does the two exemptions for poverty alleviation microfinance mean?

What does the two exemptions for poverty alleviation microfinance mean

1. The two exemptions for poverty alleviation microfinance refer to the granting of small credit loans to poor households with established credit cards and business organizations participating in poverty alleviation industrial projects. The two exemptions are mortgage-free and guarantee-free. Users who apply for poverty alleviation microfinance can apply for a certain small loan without guarantee and mortgage, and this loan also enjoys certain interest rate concessions.

2. After applying for poverty alleviation micro-credit, users must repay the loan on time, otherwise the overdue record will affect the application for this kind of loan in the future.

3. Micro-credit for poverty alleviation is a poverty alleviation loan product specially tailored for poor households who have set up a file to obtain development funds. Mainly to provide poor households with credit loans of less than 5, yuan, within 3 years, free of guarantee and mortgage, lending at benchmark interest rate, financial discount, and establishing risk compensation at county level.

4. Micro-credit for poverty alleviation has three characteristics: First, the procedures are simple, and poor households do not need to provide mortgage or guarantee to banks. Second, low cost, lending at benchmark interest rate and enjoying financial discount. Third, the term is long, and the longest term of the loan can reach 3 years.

What do you mean by "two exemptions" for poverty alleviation microfinance? Enter: See more contents. What are the specific contents of the "two exemptions" microfinance for poor households supported by industry?

The two exemptions microfinance is a policy loan business undertaken by relevant domestic financial institutions. It is an important part of China's poverty alleviation and development, and there are two main forms of issuance: one is a small poverty alleviation loan to households; The other is poverty alleviation loans to leading enterprises and infrastructure construction. Please consult your loan bank for details, subject to the actual situation.

Tips: The above contents are for reference only.

response time: 221-9-22. Please refer to the latest business changes announced by Ping An Bank in official website.

[ I know Ping An Bank] Want to know more? Come and see "I know Ping An Bank" ~ What do you mean by two exemptions and one post for precision poverty alleviation?

The "two publicity and one announcement" in poverty population identification means that through farmers' voluntary application, villagers' congresses in administrative villages are held for democratic appraisal, and a primary list is formed, which is verified by village committees and resident teams, and then publicized for the first time, and reported to the township people's government for review after publicity without objection; The Township People's Government shall review the primary list reported by each village, determine the list of poor households in the whole township, make a second publicity in each administrative village, report to the county poverty alleviation office for review after publicity without objection, and make an announcement in each administrative village after the review.

two announcements and one announcement on accurate poverty alleviation

announcements on review by village committees, review by township people's governments and examination and approval by county and district people's governments.

steps and process of selecting poor households "two publicity and one announcement"

1. hold mobilization meetings, village group meetings and mass meetings to publicize the spirit of accurate poverty alleviation documents.

2. Apply and fill in the application according to your poverty.

3. hold a villagers' congress, and general party membership meeting will vote for poor households fairly and justly to determine the primary list of poor households.

4. Determine the primary list, and publicize the primary list on village-level public columns and places where villagers' activities are quite concentrated (first publicity).

5. After 7 days of publicity, if there is no objection, the village committee will report to the township government (an announcement).

6. The township government held a joint meeting of the party and government to review and confirm the list again.

7. Publicize the list of poor households on the public column of the township government, and publicize it at the village level (II).

Extended information:

The back of precise poverty alleviation is extensive poverty alleviation. For a long time, because the data of poor residents are decomposed step by step after sampling survey, the problems of low quality and low efficiency in poverty alleviation are widespread, such as: the number of poor residents is unclear, the poverty alleviation targets are often "estimated" by grassroots cadres, and the poverty alleviation funds are "scattered", resulting in "poverty alleviation year after year"; Key counties are reluctant to "take off their hats from poverty", and the figures are falsified, occupying and wasting national poverty alleviation resources; Poverty alleviation by human feelings and relationships has resulted in social injustice such as helping the rich but not helping the poor, and even bred corruption.

There are defects in the design of the current poverty alleviation system. Many poverty alleviation projects are "flooded" extensively, and their pertinence is not strong. They are more about "helping farmers" than "helping the poor". Take the poverty alleviation and relocation project as an example. Poor households living in remote mountainous areas, geological hazard areas and other places, one side of the water and soil is difficult to support the other side, which is the most difficult "hard bone" for poverty alleviation and development. Resettlement is a better way out. However, because of the small amount of subsidy funds, most of the farmers who enjoy poverty alleviation funds are relatively well-off farmers, and the poor farmers, especially the poorest farmers, simply cannot afford to move.

to sum up, the original poverty alleviation system and mechanism must be repaired and improved. In other words, it is necessary to solve the problems of who, how and how money and policies are used. Poverty alleviation must be "accurate", and special poverty alleviation should be aimed at poor residents. In particular, special financial poverty alleviation funds must be focused on poor residents and used in the right direction. To help the poor, it is necessary to give timely help. Never use the money to build a high-standard new countryside. Doing the image project cannot help the poor. The development of poverty-stricken areas should mainly use financial comprehensive poverty alleviation funds and other funds.

poverty alleviation object identification

(1) Strictly implement the per capita net income standard of farmers

Strictly implement the national standard for poverty alleviation object identification, that is, based on the national rural poverty alleviation standard of the previous year with per capita net income of farmers, identify eligible farmers as a whole. The per capita net income of farmers is calculated by dividing the annual household income by the number of permanent residents after deducting the production and operating expenses.

(2) consider the factors of "two worries and three guarantees" as a whole

① don't worry about eating. There is no shortage of food rations, and the staple food flour and rice is guaranteed (including drinking water safety).

② don't worry about wearing. There are seasonal clothes in 28, and clothes are often changed.

③ compulsory education. There is a heavy burden of schooling for children in farmers' families. Although the per capita net income meets the identification standard, it should also be considered as a whole to be included in the poverty alleviation target.

④ basic medical care. Family members of farmers suffer from serious illness or long-term chronic diseases, which affect their normal production and life. They need frequent hospitalization or long-term medication, and the rigid expenditure is large. Although the per capita net income meets the identification standard, they should also be considered as poverty alleviation targets.

⑤ housing safety. Houses for farmers' residence are C and D dangerous houses. Although the per capita net income reaches the identification standard, it should be considered as a whole to be included in the poverty alleviation target. What is the "two exemptions and one subsidy" policy for poverty alleviation microfinance?

For poor households who have the ability to work, are willing to lend and are interested in developing income-increasing industries, they can apply for a loan with an amount of less than 5, yuan after passing the credit evaluation according to procedures. The loan is free of guarantee and mortgage, and the government fully subsidizes the loan interest.