Interim Measures for the Administration of Discount Interests of Poverty Alleviation Loans in Yunnan Province

Release time:
2017/08/23 00:00
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大理品宏高原农业科技开发有限公司

Chapter 1 General

Article 1 In order to strengthen and standardize the management of preferential loans for poverty alleviation loans, and improve the efficiency of use of funds and poverty alleviation benefits, according to the "Guiding Opinions of the Central Committee of the Communist Youth League of the China Securities Regulatory Commission, the China Securities Regulatory Commission, the Poverty Alleviation Office of the People's Bank of China on Comprehensively Improving Poverty Alleviation and Development Financial Services" ( Yinfa [2014] No. 65), Notice on Comprehensive Reform of the Poverty Alleviation Loan Management System (National Development Office [2008] No. 29), “Administrative Measures on Financial Special Poverty Alleviation Funds” (Cai Nong [2011] No. 412), The Measures for the Administration of Special Funds for Poverty Alleviation in Yunnan Province (Yuncainong [2013] No. 251) and other relevant regulations, combined with the actual situation of the province, formulate these measures.

Article 2 The subsidized funds for poverty alleviation loans refer to the central and provincial loans for the distribution of loans to poor households in poverty-stricken areas (hereinafter referred to as “to-home loans”) and loans for leading enterprises in poverty alleviation (hereinafter referred to as “project loans”). Special poverty alleviation funds. It is divided into two parts: the household loan interest subsidy fund and the project loan interest subsidy fund, which are jointly managed by the Provincial Poverty Alleviation Office and the Provincial Finance Department.

Article 3 Adhere to the development-oriented poverty alleviation policy, increase the investment of financial interest subsidies for poverty alleviation loans, and the proportion of poverty alleviation loans for household loans shall not be less than 50%. All states (cities), counties (cities, districts) are encouraged to actively arrange interest-distribution funds and increase the poverty alleviation of home loans.

Article 4 Give full play to the financial support and guidance role of financial interest subsidies, and support financial institutions to actively participate in the distribution of poverty alleviation loans. Financial institutions involved in the distribution of poverty alleviation loans (hereinafter referred to as “lending institutions”) should give priority support to poverty alleviation loans from the aspects of credit scale and credit approval, and increase the placement of poverty alleviation loans.

Article 5 Interest rate and term. The interest rate for poverty alleviation loans is determined by the lending institution in accordance with the interest rate management regulations of the People's Bank of China and the pricing requirements of its loan interest rates. The home loan is subject to a discount of 5% per annum, and the project loan is subject to a discount of 3% per annum. The term of the poverty alleviation loan is determined by the lending entity in accordance with the production and operation cycle and the financial sector. The discount period is one year, and the discount is less than one year.

Chapter II Reward-to-Home Loan Discount

Article 6 Scope and objects of support. The loans to the households are mainly arranged in the key counties of poverty alleviation and development work in counties, countries and provinces. Focus on investing in the poverty alleviation farmers who entered the first time in the “Poverty Alleviation Information System” in 2011, and timely adjust according to the establishment of the establishment of the card in 2014; the home loan mainly supports the development of production of poor farmers in the establishment of the card; Under the premise of clarifying their responsibility for poverty alleviation, able people (large households) can promote the poverty alleviation of farmers to provide appropriate support to ensure that the rate of meeting loans for poor households with households is over 70%.

Article 7 Application procedures. In accordance with the scope of support for the household loan and the target conditions, the poor farmers who have the willingness to make loans will submit the application form in their village (group), and the township (town) will firstly submit it to the county poverty alleviation office and the loan agency for approval according to departmental duties. .

Article 8 The method of discounting interest. The subsidized funds of the household loans can be directly or subsidized by the loan-receiving institutions to the poor farmers. Encourage subsidies to the poor farmers through the loan institutions. The specific interest subsidy method is determined by each county (city, district).

Article 9 The amount of interest subsidies. Each poor household can apply for interest-distribution funds for a home loan of no more than 50,000 yuan (including 50,000 yuan) within one year. Actively promote poverty alleviation leading enterprises to drive poor households to obtain home loans, strengthen the interest linkage mechanism, and achieve stable income growth through industrial poverty alleviation and development projects.

Article 10 Plan management. The loan to the household loan subsidy funds to the county, the task to the county, the responsibility to the county. Before January each year, the counties (cities, districts) Poverty Alleviation Office and the Finance Bureau and the lending institutions carefully analyzed the demand for loans from poor farmers, and the County Poverty Alleviation Office reported that the “Poverty-stricken Farmers' Poverty Alleviation Loan Application Form” was reported to the state. ), after the state (city) poverty alleviation, finance, and loan institutions review, submitted to the Provincial Poverty Alleviation Office. The Provincial Poverty Alleviation Office and the Provincial Department of Finance and the relevant financial departments will arrange for the annual loan-to-house loan plan according to the performance appraisal, the establishment of the card-based poverty-stricken farmers' loan-to-credit rate and the increase in the income of the farmers.

Article 11 Management of home loans. The loan-receiving institutions are determined by the counties themselves, and the lending institutions organize the issuance of home loans in accordance with the principle of “putting out, receiving back, and benefiting”. The County Poverty Alleviation Office shall provide the loan-receiving institutions with basic information on the construction of the poverty-stricken farmers, and work with the loan-receiving institutions to strengthen the management of the household loans, ensure that the targets of poverty alleviation are targeted, the information is symmetrical, and the farmers benefit. The loaned farmers should be publicized in the village (group) for no less than 5 days. At the end of November each year, the County Poverty Alleviation Office and the County Finance Bureau and the lending institution will fill out the “Basic Table of Benefits of the Year-to-Poverty-to-Home Discounted Loan and the Establishment of the Cardholders' Benefits” (electronic version) to the Provincial Poverty Alleviation Office and the Provincial Finance Department for the record.

Article 12 Fund management. The subsidized funds of the household loans are included in the county-level financial poverty alleviation fund management, and the special account accounting and county-level financial reporting system are implemented, and the special funds are used exclusively to maximize the efficiency of fund redemption. If there is a balance, it can be carried over to the next year.

Article 13 Award funds. The provincial-level financial arrangement corresponding to the household loan work corresponding bonus funds, mainly used for county (city, district) to the household loan daily work expenses subsidy. The award-added funds are allocated to the county according to the weights of the performance indicators such as the poverty-stricken farm-to-house loan subscription satisfaction rate, the repayment rate and the benefit of the discounted funds.

Chapter III Project Loan Discount

Article 14 Funds are invested. The project loan is mainly used in the key counties of poverty alleviation and development work in the districts of the contiguous destitute areas, and the non-regional counties and non-key counties. Focusing on the industrial poverty alleviation plan in the contiguous destitute areas, focusing on projects closely related to the income increase of poor farmers; increasing the number of small and medium-sized poverty alleviation enterprises that are in the growth stage, have close contact with poor farmers, and increase their income and become rich (including one year). Support for agricultural professional cooperatives, associations, etc. of more than 30 members; support for leading enterprises in the development of traditional industries and emerging industries in poverty-stricken areas, and appropriate support for small-scale public infrastructure projects in rural areas (including small towns).

Article 15 Plan size arrangements. According to the central and provincial special financial poverty alleviation funds, the annual interest subsidy fund for project loans is arranged. The Provincial Poverty Alleviation Office and the Provincial Finance Department are based on the industrial poverty alleviation plan in the contiguous destitute areas, and the project loans in the previous year to increase the income of the poor population, and the state (city) project bank. Reserves, etc., arrange the control indicators for the loan interest subsidy plan of the state (city) project. The number of state (city) project loan interest subsidy plan control indicators is not less than 60% of the total scale of project loan interest subsidy funds in principle.

Article 16 The recommendation procedure shall be determined. The poverty alleviation loan interest subsidy project implements the recommendation by level.

(1) The state (city) poverty alleviation and finance department shall be responsible for recommending and recommending the poverty alleviation projects within the scope of the project loan of 3 million yuan (including 3 million yuan) and 20 million yuan (including 20 million yuan). The procedure is as follows: the project declares the county poverty alleviation, the financial department selects the project for the primary election to the state (city), the state (city) poverty alleviation, the financial department according to the provincial annual plan size control indicators, organizes experts to review the project, After the approval of the Leading Group for Poverty Alleviation and Development of the State (City), it was recommended to be included in the state (city) poverty alleviation loan interest subsidy project library (the deadline is August 30), and reported to the Provincial Poverty Alleviation Office and the Provincial Finance Department for the record funds.

(2) The Provincial Poverty Alleviation Office and the Provincial Department of Finance shall recommend and recommend poverty alleviation projects with a project loan amount of more than 20 million yuan. The procedure is as follows: the project declares the county poverty alleviation and the financial department to carry out the project primary selection, the state (city) poverty alleviation, and the financial department review, and then recommend it to the provincial level. The Provincial Poverty Alleviation Office and the Provincial Department of Finance organized expert evaluations and reported them to the Provincial Poverty Alleviation and Development Leading Group for confirmation and approval, and included them in the provincial poverty alleviation loan interest subsidy project library (the deadline is October 30). Poverty alleviation projects with a project loan fund of 100 million yuan (including 100 million yuan) will be submitted to the State Council Poverty Alleviation Office for the record.

Article 17 The following documents and materials shall be provided for the application of project loan interest subsidy funds:

(1) Project proposals for poverty alleviation and joint reporting by the financial department;

(2) The application text or project feasibility study report of the poverty alleviation loan interest subsidy project reported by the project reporting unit;

(3) The relevant approvals of the local development and reform commission and the agricultural department for the agricultural product processing enterprises and infrastructure construction projects;

(4) Environmental assessment report required by the project;

(5) The project reporting unit pays the tax certificate;

(6) The audit report of the project reporting unit. Explain that the company's asset-liability ratio is lower than 70%. At the same time, in principle, the company's sales revenue, net profit, net assets and other indicators are positive growth;

(7) Capital loan contracts and loan borrowings signed by the project unit and the financial department, and the corporate credit report issued by the People's Bank of China Credit Information Center;

(8) The project loan support will drive the basic information (electronic version) of the poverty-stricken farmers who have established the card, including the name, ID number, and the name of the village;

(9) Poverty alleviation agreements signed between the main body of the loan and the local government to clarify the responsibility and obligations for poverty alleviation;

(10) The loan entity shall abide by the promises of poverty alleviation agreement, special funds, and non-violation violations in the process of project declaration and use of funds.

For the subsidized funds of the provincial and state (city) poverty alleviation projects with a declaration of 10 million yuan (including 10 million yuan), it is necessary to prepare a feasibility study report, and the project loan feasibility study report requires agricultural qualified units (level B or above). For the preparation, the report shall be signed by the chief in charge of the organization, the economic and technical person in charge, and be responsible for the authenticity of the quality and content of the report. The project feasibility study report (agricultural grade B or above qualification) approved by the lending institution is equally effective.

Article 18 Establishment and management of the project library. The poverty alleviation loan interest subsidy project library consists of poverty alleviation projects at all levels in strict accordance with the recommended authority and procedures for identifying and recommending poverty alleviation projects. Adhere to the principle of “who approves and who is responsible”, implement hierarchical management, and organize experts and relevant departments to review the project selection, planning and design, technical solutions, capital investment, investment calculation, financial status, organization and management of the poverty alleviation projects. Projects that pass the review must be announced on the official website of the Poverty Alleviation website for 5 days. The project announcement will expire in the public notice period before entering the poverty alleviation loan interest project library. The specific loan institutions of the project loan are selected by the project implementation units, and the loan institutions independently choose, independently review loans and issue loans. The poverty alleviation loan interest rate project bank implements dynamic management. The projects in the project library are eligible for project loan interest subsidy support within two years. If the project loan is not obtained within two years, it will be automatically removed from the project library.

Article 19 The interest rate approval. Every year (states, counties (cities, districts), poverty alleviation, and financial departments report to the project implementation units that are recommended to be included in the poverty alleviation loan interest rate project bank, and the relevant lending institutions and interest settlement certificates provided by the lending institutions are reviewed and confirmed. The poverty alleviation and finance departments at all levels shall verify the poverty alleviation project loan information recommended by the same year through the People's Bank of China Credit Information System. Anyone who has not been approved by the poverty alleviation at all levels, reported by the financial department and confirmed by the seal, fails to make recommendations according to the procedures, and fails to pass the authenticity of the People's Bank of China's credit information system. The non-loan entity of the project implementation unit is the poverty alleviation project of the third party. No interest will be confirmed. After the provincial-level poverty alleviation project is approved for approval by the Provincial Poverty Alleviation and Development Leading Group, the annual financial interest subsidy funds will be released to the state (city) finance bureaus and poverty alleviation offices, and the county financial departments will pay the interest subsidy funds to the project implementation units. If there is a balance, it can be carried over to the next year.

Chapter IV Departmental Responsibilities

Article 20 The poverty alleviation department is mainly responsible for the establishment of information management confirmations such as the establishment of the poverty-stricken rural households and the poverty alleviation loan project library, and the implementation of policy guidance, and the implementation of poverty alleviation loans for preferential poverty alleviation.

Article 21 The financial department is mainly responsible for the review and disbursement of the subsidized funds for poverty alleviation loans.

Article 22 The lending institution is mainly responsible for the approval, release and recycling of poverty alleviation loans. Under the premise of ensuring the safety of funds, the lending institutions should try to simplify the loan procedures, relax the loan conditions, and provide convenient and fast services for enterprises and farmers in poverty-stricken areas.

Chapter V Supervision and Inspection

Article 23: County-level poverty alleviation and financial departments shall be directly responsible for the safety and efficiency of interest-distributing funds. At least one inspection of household loans and project loans shall be conducted every year, and the benefits and progress of poverty-stricken farmers shall be carefully analyzed. Found that the problem was solved, and the summary inspection work status was reported to the state (city) and province. The provincial and state (city) poverty alleviation and financial departments should strengthen tracking and verification and verification and inspection to ensure that the poverty alleviation loan interest subsidy funds can be used.

Article 24 The state (cities), counties (cities, districts), poverty alleviation, and financial departments shall conscientiously report the relevant financial statements and information input of the poverty alleviation loan interest subsidy project, and dynamically monitor and subsidize the preferential interest subsidies of poverty alleviation loans. The Provincial Office of Poverty Alleviation and the Provincial Department of Finance conducted on-the-spot spot checks on the implementation progress of the preferential interest rates for poverty alleviation loans and the use of funds.

Article 25 The poverty alleviation and finance departments at all levels shall strengthen the supervision and management of the whole process of the implementation of the poverty alleviation loan interest subsidy project and the use of funds, and actively cooperate with the auditing and supervision departments to carry out the supervision, inspection and audit of the financial interest subsidy funds for poverty alleviation loans. Timely disbursement of discounted funds to poverty alleviation projects and poor households, prohibiting arrears, interception, misappropriation, seizure, change of funds, and falsification of funds for poverty alleviation, etc. In case of violation of laws and regulations, in accordance with the Regulations on Punishment of Financial Violations (State Council Order) No. 427) and other relevant laws and regulations, seriously investigate the responsibility of the unit and the responsible person, and deduct the scale of the relevant plan for the next year. If the circumstances are serious, the next year's interest subsidy funds will no longer be arranged.

Article 26 The “blacklist” system for the management of preferential loans for poverty alleviation loans shall be implemented. The poverty alleviation departments at all levels, together with the financial departments, set up a “blacklist” system for project loans, declaring project construction content, financial performance and taxation of enterprises, reforming forgery loan contracts and applying the qualifications of the preparation units, and defrauding and arranging project loan interest subsidy funds. Once the unit is verified, it will cancel its application and recover the interest subsidy funds. At the same time, it will be listed on the “blacklist” and will be disqualified from applying for project loan interest subsidies within five years. For the illegal operation of the interest subsidy management of the household loans, the counties (cities, districts) that have found more problems and caused serious consequences are included in the “blacklist” of the household loans, and no interest subsidy funds for the household loans are arranged within two years.

Chapter VI Supplementary Provisions

Article 27 Each state (city) may, in light of local conditions, formulate specific implementation rules for the management of interest subsidies for poverty alleviation loans.

Article 28 These Measures shall be implemented as of the date of issuance, and the “Implementation Plan for the Reform of the Preferential Management System for Poverty Alleviation Loans in Yunnan Province” (Trial) (Yunpo Kaifa [2006] No. 227) shall be abolished at the same time.