What is the loan policy for rural planting industry in 2017?
In order to support agricultural development, the country has announced a series of policies. How about the rural planting industry loan policy? The following is the 2017 rural planting industry loan policy that I have carefully compiled for you. Let’s take a look. .
2017 Rural Planting Industry Loan Policy
Small Loan
Loan banks: Agricultural Bank of China, Postal Savings Bank, Credit Unions and other various commercial banks.
Taking rural credit cooperatives as an example, farmers can apply directly to rural credit cooperatives with a "Loan Certificate" and a valid identity document. When rural credit cooperatives receive a loan application, they must review the purpose and amount of the loan. Generally, the amount is controlled within 50,000 to 100,000 yuan, and the specific amount varies from place to place.
Credit unions also have farmers’ joint guarantee loans. Three to five farmers form a joint guarantee group to guarantee each other’s loans. The loan limit with joint guarantee is relatively higher than the personal credit loan limit.
Notes on small loans
According to current regulations, only loans for agricultural production expenses such as planting and breeding; agricultural machinery Small credit loans for rural households can only be used for agricultural pre-production, mid-production and post-production service loans and consumer loans such as purchasing daily necessities, building houses, medical treatment, and children's schooling.
Cooperative loans
Farmers’ professional cooperatives and their members can apply for preferential interest rates on loans. The specific preferential range will be determined by each locality based on local conditions. Sure.
Cooperative loan conditions:
Approved and registered by the industrial and commercial administration department, obtained a legal person business license for farmers' professional cooperatives; have a fixed It is a production and operation service place that engages in production, operation, service and other activities stipulated in the articles of association of farmers' professional cooperatives in accordance with the law; it has a sound organizational structure and financial management system, and can submit relevant materials to rural credit cooperatives on time; it is opened in the bank where the loan is applied for. Deposit account, voluntarily accept credit supervision and settlement supervision; no bad loans and interest arrears; other conditions specified by the bank.
Family farm loans
The maximum loan limit of Agricultural Bank of China for family farms is 10 million yuan. In addition to meeting the purchase of agricultural production materials When needed for working capital, it can also be used for the construction of farmland infrastructure and payment of land transfer costs. The loan term can be up to 5 years.
What forms of mortgage or guarantee are there?
In response to the difficulty of guaranteeing in rural areas, the Agricultural Bank of China has innovated the mortgage of agricultural machinery. , agricultural and sideline product mortgages, forest rights mortgages, new rural property rights mortgages, company farmer guarantees, professional cooperative guarantees and other guarantee methods, and credit loans are also allowed to qualifying customers.
Land management right mortgage loan
Rural land contract management right mortgage loan means that farmers or cooperatives transfer legal rural land The contracted operation right applies to a financial institution for a mortgage loan.
Information required for land loan
Identity certificate or other certification materials; land management rights ownership certification materials; rural areas Land management right mortgage registration application form; rural land management right mortgage registration certificate; land management right mortgage commitment letter; mortgage loan application form; other materials required by the bank.
General process of land loan
Loan application? Loan investigation? Loan review and approval? Signing of mortgage loan contract? Handling mortgage Registration procedures? Loan disbursement? Post-loan inspection? Loan return.
Forest rights mortgage loan
When a lender carries out forest rights mortgage loan business, it must establish a mortgage property value evaluation system and evaluate the value of the mortgaged property. Mortgage forest rights for value assessment. For forest rights mortgage loan projects with a loan amount of less than 300,000 yuan, the lender must make its own assessment with reference to local market prices and shall not charge assessment fees from the borrower.
The mortgage loan procedure is as follows:
1. The right holder submits a new version of the "Forest Rights Certificate"
2. The right holder submits a written mortgage application (including basic personal information, forest rights, loan amount, financial credit certificate, etc.)
3. If the right holder is an individual, submit a copy of the personal ID card; if the right holder is an organization, submit a copy of the legal person ID card and a copy of the unit qualification certificate
4. Written mortgage of the township forestry station Sign preliminary review opinions on the application
5. On-site assessment by the county forestry planning survey and design team and prepare an assessment report
6. Provide Loan agreement from the financial department
7. The financial department provides a copy of the unit registration and a copy of the legal person’s ID card
8. Pay fees and apply for other warrants
Rural housing mortgage loans
This year, the central government will release a national standard for rural housing mortgage loans. The guidance document has attracted much attention. Recently, Liuyang, Hunan Province officially launched a pilot reform of rural housing mortgage financing.
Rural house mortgage loan process
The lender obtains the farm property ownership certificate? Submits a loan application to the rural commercial bank? Both parties confirm on-site Real estate value? Signing of a mortgage contract? Proof that the village committee agrees to the mortgage registration of houses on collective land? Registration of house mortgage rights? Loan issuance.
Agricultural mortgage loan amount
Rural commercial banks determine the loan mortgage rate with reference to the market value and liquidity of the collateral. Generally, it is 50-70% of the assessed value of the mortgaged property; the loan period is mainly short-term (within one year), and the interest rate is determined based on the credit rating and operating conditions of the borrower. It is generally 50% higher than the base interest rate. Particularly high-quality customers can also Float appropriately.
Tax exemption policy for rural planting and breeding
1. Income from agriculture, forestry, animal husbandry and fishery projects can be exempted or reduced from corporate income tax.
(1) The income of enterprises engaged in the following items is exempt from corporate income tax:
1. Vegetables and grains , cultivation of potatoes, oil crops, beans, cotton, hemp, sugar, fruits, and nuts;
? 2. Breeding of new crop varieties;
3. Cultivation of Chinese medicinal materials;
4. Cultivation and planting of forest trees;
5. Raising of livestock and poultry;
6. Collection of forest products;
7. Agricultural, forestry, animal husbandry, fishery service projects such as irrigation, primary processing of agricultural products, veterinary medicine, agricultural technology extension, agricultural machinery operation and maintenance;
8. Ocean fishing.
(2) Enterprise income tax from the following items is levied at half the rate:
1. Flowers, Cultivation of tea and other beverage crops and spice crops;
? 2. Maritime aquaculture and inland aquaculture.
2. Preferential personal income tax policies
(1) Individuals or individual industrial and commercial households engaged in planting and breeding industries , animal husbandry and fishing industries and their business projects fall within the scope of agricultural tax (including agricultural and forestry specialty tax) and animal husbandry tax, their income from the above "four industries" will not be subject to personal income tax for the time being. (Guo Shui Fa [2004] No. 13)
(2) Personal income tax is temporarily not levied on the income obtained by farmers who enter various markets to sell self-produced agricultural products. For operators in the market and the agricultural products they operate, if the tax authorities have no evidence to prove that the seller is not a farmer and is not selling self-produced agricultural products, the policy of "farmers selling self-produced agricultural products" will be followed. (Guo Shui Fa [2004] No. 13)
(3) In the process of land acquisition, the compensation income for young crops paid by the land acquisition unit to the land contractor is temporarily exempted from collection Personal income tax. (Guo Shui Han [1997] No. 87)
3. Other local tax preferential policies
(1) Direct use It is a professional land used for planting, breeding and raising. Exemption from land use tax. "Interim Regulations of the People's Republic of China on Land Use Tax"
(2) No real estate tax is levied on land used for agriculture, forestry, animal husbandry and fishery and houses and land used for farmers' residences , land use tax. (Guo Shui Fa [1999] No. 44)
(3) The land that has been approved for reclamation and remediation and the abandoned land that has been transformed will be exempted from land use fees starting from the month of use. Taxes for 5-10 years. "Decision of the State Council on Amending the Interim Regulations of the People's Republic of China on Urban Land Use Tax"
(4) Harvesting operations within the scope of urban land use tax collection , tourism agriculture units and individuals, the land directly used for planting, breeding, and raising for picking and tourism, according to Article 6 of the "Interim Regulations of the People's Republic of China and the State on Urban Land Use Tax"? The production land for forestry, animal husbandry and fishery is exempted from urban land use tax. (Finance and Taxation [2006] No. 186)
(5) Exemption from vehicle and vessel tax: Tractors; fishing and breeding fishing vessels; "Provisional Vehicle and Vessel Tax of the People's Republic of China and the State" Regulations
? (6) Rural residents who occupy farmland to build new residences will be levied farmland occupation tax at half the local applicable tax rate. "Interim Regulations on Cultivated Land Occupation Tax"
(7) Newly requisitioned cultivated land will be exempt from land use tax within one year from the date of approval of requisition. "Provisional Regulations on Farmland Occupation Tax"
(8) Stamp tax is exempted from the purchase and sale contracts of agricultural products and agricultural production materials signed by farmers' professional cooperatives and their members. (Finance and Taxation [2008] No. 81)
(9) Agricultural and forestry crops, animal husbandry and livestock insurance contracts are exempt from stamp duty
Crops suitable for rural cultivation
1. Platycodon
Platycodon looks delicious, and its yield is also very high, with a yield of 500-600 kilograms per mu. Recently, it has been The market price rose to 31-37 yuan/kg in 2018.
2. Astragalus
The output is 300-400 kilograms, and the current market price is 20-22 yuan/kg. Although the price is The medicinal materials are not particularly expensive, but the output is high and they are easy to sell. The supply of high-quality products is in short supply.
3. Honeysuckle
Honeysuckle is the king of medicines. I won’t go into details about its efficacy. Let’s talk about it. Its output and price.
The output is about 100-200 kilograms. Due to serious shortages in recent years, the price is constantly rising. The current market price is 50-100 yuan/kg. Due to different production areas, the price difference is also relatively large.
4. Pinellia ternata
The output of Pinellia ternata is still acceptable, and the price is stable. The output is 200-300 kg, and the current market price is 89-120 yuan/kg. However, it also has certain shortcomings, and its production and mining are relatively inconvenient.
5. Danpi