How to lend money for agriculture, countryside and farmers

First, how to provide loans for agriculture, countryside and farmers.

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Second, what kind of loan is the postal savings, agriculture, rural areas and farmers loan?

"Three rural" loans are loans to agriculture, rural areas and farmers. The main issuing institutions are rural credit cooperatives, rural cooperative banks and rural commercial banks, and postal savings or agricultural banks also issue a small amount of loans for agriculture, rural areas and farmers.

1, accept loan application

The borrower shall submit relevant materials to the place where it is located according to the requirements of the loan. If there is a guarantor, include the relevant information of the guarantor.

2. Loan review

After accepting the loan application, the bank will conduct a comprehensive review of the feasibility of the loan, including filling in the basic loan register and the borrower's financial statistical analysis form.

3. Lending approval

If the loan meets the requirements of the loan examination and approval authority after examination and evaluation, the loan will be renewed.

4. Sign a loan contract

For the loan that has been approved, the borrower and the borrower shall sign a written loan contract in accordance with the Regulations on Loan Contracts and relevant regulations.

5. Lending

According to the loan contract signed by the borrower and the reasonable capital demand for production, operation and construction, go through the loan formalities.

6. Establish a loan register.

7. Establish loan files

According to the borrower's situation, the file should record the borrower's basic situation, production and operation, loan issuance, credit sanctions, loan inspection and

8, loan supervision and inspection

After the loan is issued, supervise and inspect the borrower's implementation, and promptly correct and deal with violations of policies and contracts.

9. Recover the loan on schedule.

The loan should be recovered according to the loan term agreed by both borrowers. The funds come from the loan principal and interest.

If the borrower fails to repay the loan on schedule due to justifiable reasons, he may apply for an extension of repayment before the maturity date, and after approval by the bank, he shall press.

10, handling of abnormal occupational loans

Monitoring and evaluation, but also for different situations to take effective measures.

Three, three rural financial business operation process is divided into pre-lending and post-lending.

The operation process of the financial business of agriculture, countryside and farmers is divided into pre-lending and post-lending. Before lending, it is the operation process of applying for a loan, and after lending, it is the operation process of repaying the loan on schedule.

Four. 202 1 rural loan policy?

1. Agricultural machinery purchase subsidy

All localities choose to determine the subsidized equipment projects in this province within the category of subsidized equipment purchased by the central government, and the equipment within the scope of subsidies shall be supplemented. We will increase the subsidy ratio of agricultural machinery products with weak links in grain production, high-end, duplex and intelligent agricultural machinery products that are urgently needed for agricultural production in hilly and mountainous areas to 35%. Incorporate complete sets of facilities and equipment such as seedling raising, drying, standardized pigsty, and resource utilization of livestock manure into the pilot scope of subsidies for new agricultural products. Full implementation of time-limited processing, the working time limit for accepting and reviewing subsidy applications and issuing subsidy funds will be reduced to 15 working days respectively.

2. Green, high-quality and efficient actions for key crops

Integrate, assemble and popularize regionalized, standardized, high-yield and high-efficiency technical models, improve the production capacity of high-quality edible rice, high-quality special wheat, high-oil and high-protein soybeans, double-low and double-high rapeseed and other grains, cotton, oil, sugar, vegetables and tea on a larger scale and at a higher level, and at the same time promote dry farming and water-saving agricultural technologies such as moisture measurement irrigation, water harvesting and supplementary irrigation, water storage and moisture conservation according to local conditions, and demonstrate and promote the balanced development of large areas and promote food.

3. Socialization service of agricultural production

Support qualified rural collective economic organizations, farmers' cooperatives, agricultural service specialized households and service enterprises to carry out socialized services for small farmers, and focus on meeting the specialized service needs of small farmers in key and weak links in the production of important agricultural products such as grain, cotton, oil and sugar. We will increase support for socialized grain production services such as unified prevention and control, generation of tillage and collection in southern early rice producing provinces and hilly areas. Take a variety of ways, such as awards and job subsidies, to promote the socialized service of centralized contiguous agricultural production.

4. Grass-roots agricultural technology popularization

Take the national modern agricultural science and technology demonstration base and regional demonstration base as platforms to demonstrate and popularize major leading technologies and agricultural main push technologies. We will carry out major technical cooperation promotion tasks, mature a number of advanced technologies, set up technical teams to carry out experimental demonstration and observation activities, and accelerate the technological integration and innovation in Industry-University-Research. We will continue to implement the special employment plan for agricultural technology extension, and recruit special agricultural technicians from local experts, new agricultural management entities and farmers through the way of government purchasing services.

5. Subsidies for corn and soybean producers, and subsidies and incentives for rice in major grain-producing counties.

In order to ensure national food security, the state continues to implement policies such as corn and soybean production subsidies, rice subsidies and incentives for major grain-producing counties, and consolidate the results of structural reforms on the supply side of agriculture.

6. One-time subsidies to actual grain farmers

In 20021year, in order to ensure farmers' reasonable income and protect their enthusiasm for growing grain, the central government issued a one-time subsidy to the actual grain farmers, releasing a positive signal to support grain production, stabilizing farmers' income, and the subsidy funds were tilted towards the main grain producing areas.