【聚焦政策】----“富民贷”
<section data-role="outer" label="Powered by 135editor.com" style="visibility: visible;"><section data-role="paragraph" style="visibility: visible;"><p style="vertical-align: inherit; visibility: visible;"></p><div style="text-align:center"></div><p></p></section><section data-tools="135编辑器" data-id="111459" style="visibility: visible;"><section data-id="93828" data-tools="135编辑器" style="visibility: visible;"><section style="visibility: visible;"><section style="padding: 25px 5px 20px 15px; box-sizing: border-box; visibility: visible;"><section style="border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); padding-bottom: 5px; background-color: rgb(198, 217, 240); box-sizing: border-box; visibility: visible;"><section style="border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); padding: 10px 0px 20px; background-color: rgb(255, 255, 255); margin-left: -6px; margin-top: -10px; margin-right: 4px; box-sizing: border-box; visibility: visible;"><section style="color: rgb(255, 255, 255); visibility: visible;"><section style="visibility: visible;"><section style="padding-top: 1.2em; box-sizing: border-box; visibility: visible;"><section style="box-sizing: border-box; width: 100%; text-align: left; margin-left: -6px; max-width: 100% !important; visibility: visible;" data-width="100%" hm_fix="381:306"><section style="box-sizing: border-box; display: inline-block; width: auto; visibility: visible;"><section style="border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); color: rgb(23, 54, 93); height: 35px; padding: 0px 10px 0px 8px; line-height: 32px; background-color: rgb(254, 254, 254); transform: rotate(0deg); visibility: visible;"><section style="font-size: 17px; text-align: center; padding: 0em 0.5em; box-sizing: border-box; visibility: visible;"><span style="font-size: 18px; visibility: visible;"><strong style="visibility: visible;"><span style="visibility: visible;">什么是</span><span style="font-family: " times="" new="" roman";="" visibility:="" visible;"="">“<span style="visibility: visible;">富民贷</span>”</span><span style="visibility: visible;">？</span></strong></span></section></section><section style="margin-top: -38px; border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); height: 35px; background: rgb(23, 54, 93); margin-left: 5px; margin-right: -3px; color: rgb(255, 255, 255); overflow: hidden; visibility: visible;"><br style="visibility: visible;"></section></section></section><section style="padding-top: 1em; box-sizing: border-box; visibility: visible;"><section data-autoskip="1" style="font-size: 14px; line-height: 1.75em; text-align: justify; padding: 0px 1em; color: rgb(23, 54, 93); box-sizing: border-box; visibility: visible;"><p style="vertical-align: inherit; visibility: visible;"><span style="font-size: 17px; color: rgb(0, 0, 0); visibility: visible;"><span style="color: rgb(0, 0, 0); background-color: transparent; caret-color: red; text-align: justify; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"=""> “</span>富民贷<span style="color: rgb(0, 0, 0); background-color: transparent; caret-color: red; text-align: justify; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">”</span>是一款免抵押免担保的小额信用贷款产品，专门用于支持农民种植养殖、加工制造、商品流通等生产经营活动，单户贷款额度起点为<span style="color: rgb(0, 0, 0); background-color: transparent; caret-color: red; text-align: justify; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">3000</span>元，最高不超过<span style="color: rgb(0, 0, 0); background-color: transparent; caret-color: red; text-align: justify; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">20</span>万元，期限最长<span style="color: rgb(0, 0, 0); background-color: transparent; caret-color: red; text-align: justify; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">5</span>年，实行利率优惠，最大限度满足脱贫地区农民展业创业资金需求。</span></p></section></section></section></section></section><section style="visibility: visible;"><section style="visibility: visible;"><section style="padding-top: 1.2em; box-sizing: border-box; visibility: visible;"><section style="box-sizing: border-box; width: 100%; text-align: left; margin-left: -6px; max-width: 100% !important; visibility: visible;" data-width="100%"><section style="box-sizing: border-box; display: inline-block; width: auto; visibility: visible;"><section style="border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); height: 35px; padding: 0px 10px 0px 8px; line-height: 32px; background-color: rgb(254, 254, 254); transform: rotate(0deg); visibility: visible;"><section style="text-align: left; padding: 0em 0.5em; box-sizing: border-box; visibility: visible;"><span style="font-size: 18px; color: rgb(23, 54, 93); font-family: " times="" new="" roman";="" visibility:="" visible;"=""><strong style="visibility: visible;">“富民贷”的用途是什么？</strong></span></section></section><section style="color: rgb(255, 255, 255); margin-top: -38px; border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); height: 35px; background: rgb(23, 54, 93); margin-left: 5px; margin-right: -3px; overflow: hidden; visibility: visible;"><br style="visibility: visible;"></section></section></section><section style="color: rgb(255, 255, 255); padding-top: 1em; box-sizing: border-box; visibility: visible;"><section data-autoskip="1" style="font-size: 14px; line-height: 1.75em; text-align: justify; padding: 0px 1em; color: rgb(23, 54, 93); box-sizing: border-box; visibility: visible;"><p style="vertical-align: inherit; visibility: visible;"><span style="font-size: 17px; color: rgb(54, 96, 146); visibility: visible;"><span style="text-align: justify; text-indent: 43px; caret-color: red; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"=""> </span><span style="text-align: justify; text-indent: 43px; caret-color: red; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"=""> </span></span><span style="font-size: 17px; color: rgb(0, 0, 0); visibility: visible;"><span style="color: rgb(0, 0, 0); text-align: justify; text-indent: 43px; caret-color: red; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">“</span>富民贷<span style="color: rgb(0, 0, 0); text-align: justify; text-indent: 43px; caret-color: red; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">”</span>是支持有意愿贷款的农户用于发展产业，增加收入。不能用来盖房子、娶媳妇、还债以及用于吃喝等与增收无关的支出。</span></p></section></section></section></section></section><section style="color: rgb(255, 255, 255); visibility: visible;"><section style="padding-top: 1.2em; box-sizing: border-box; visibility: visible;"><section style="box-sizing: border-box; width: 100%; text-align: left; margin-left: -6px; max-width: 100% !important; visibility: visible;" data-width="100%"><section style="box-sizing: border-box; display: inline-block; width: auto; visibility: visible;"><section style="border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); color: rgb(23, 54, 93); height: 35px; padding: 0px 10px 0px 8px; line-height: 32px; background-color: rgb(254, 254, 254); transform: rotate(0deg); visibility: visible;"><section style="font-size: 17px; text-align: center; padding: 0em 0.5em; box-sizing: border-box; visibility: visible;"><span style="color: rgb(23, 54, 93); font-size: 18px; visibility: visible;"><strong style="visibility: visible;"><span style="color: rgb(23, 54, 93); font-family: " times="" new="" roman";="" visibility:="" visible;"="">“<span style="visibility: visible;">富民贷</span>”</span><span style="visibility: visible;">是救济款吗？</span></strong></span></section></section><section style="margin-top: -38px; border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); height: 35px; background: rgb(23, 54, 93); margin-left: 5px; margin-right: -3px; color: rgb(255, 255, 255); overflow: hidden; visibility: visible;"><br style="visibility: visible;"></section></section></section><section style="padding-top: 1em; box-sizing: border-box; visibility: visible;"><section data-autoskip="1" style="font-size: 14px; line-height: 1.75em; text-align: justify; padding: 0px 1em; color: rgb(23, 54, 93); box-sizing: border-box; visibility: visible;"><p style="vertical-align: inherit; visibility: visible;"><span style="font-size: 17px; color: rgb(54, 96, 146); visibility: visible;"> </span><span style="font-size: 17px; color: rgb(0, 0, 0); visibility: visible;">不是。“富民贷”是银行发放的贷款，是要还的。银行的钱是老百姓的存款，有贷有还、再贷不难。</span></p></section></section></section></section><section style="color: rgb(255, 255, 255); visibility: visible;"><section style="padding-top: 1.2em; box-sizing: border-box; visibility: visible;"><section style="box-sizing: border-box; width: 100%; text-align: left; margin-left: -6px; max-width: 100% !important; visibility: visible;" data-width="100%"><section style="box-sizing: border-box; display: inline-block; width: auto; visibility: visible;"><section style="border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); color: rgb(23, 54, 93); height: 35px; padding: 0px 10px 0px 8px; line-height: 32px; background-color: rgb(254, 254, 254); transform: rotate(0deg); visibility: visible;"><section style="font-size: 17px; text-align: center; padding: 0em 0.5em; box-sizing: border-box; visibility: visible;"><span style="color: rgb(23, 54, 93); font-size: 17px; visibility: visible;"><strong style="visibility: visible;"><span style="font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"=""></span><span style="color: rgb(23, 54, 93); font-size: 18px; visibility: visible;">什么条件的人能获得贷款呢？</span><span style="visibility: visible;"></span></strong></span></section></section><section style="margin-top: -38px; border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); height: 35px; background: rgb(23, 54, 93); margin-left: 5px; margin-right: -3px; color: rgb(255, 255, 255); overflow: hidden; visibility: visible;"><br style="visibility: visible;"></section></section></section><section style="padding-top: 1em; box-sizing: border-box; visibility: visible;"><section data-autoskip="1" style="font-size: 14px; line-height: 1.75em; text-align: justify; padding: 0px 1em; color: rgb(23, 54, 93); box-sizing: border-box; visibility: visible;"><p style="vertical-align: inherit; visibility: visible;"><span style="font-size: 17px; color: rgb(54, 96, 146); visibility: visible;"> </span><span style="font-size: 17px; color: rgb(0, 0, 0); visibility: visible;">城口县内持续稳定经营的农户（含脱贫人口及边缘易致贫人口），以户为单位发放贷款。凡有劳动能力、有致富愿望、有生产经营项目、有信贷需求的，都有资格申请贷款。</span></p></section></section></section></section><section style="color: rgb(255, 255, 255); visibility: visible;"><section style="padding-top: 1.2em; box-sizing: border-box; visibility: visible;"><section style="box-sizing: border-box; width: 100%; text-align: left; margin-left: -6px; max-width: 100% !important; visibility: visible;" data-width="100%"><section style="box-sizing: border-box; display: inline-block; width: auto; visibility: visible;"><section style="border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); color: rgb(23, 54, 93); height: 35px; padding: 0px 10px 0px 8px; line-height: 32px; background-color: rgb(254, 254, 254); transform: rotate(0deg); visibility: visible;"><section style="font-size: 17px; text-align: center; padding: 0em 0.5em; box-sizing: border-box; visibility: visible;"><span style="color: rgb(23, 54, 93); font-size: 17px; visibility: visible;"><strong style="visibility: visible;"><span style="font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"=""></span><span style="color: rgb(23, 54, 93); font-size: 18px; visibility: visible;">需要通过什么程序才能得到贷款？</span><span style="visibility: visible;"></span></strong></span></section></section><section style="margin-top: -38px; border-width: 1px; border-style: solid; border-color: rgb(23, 54, 93); height: 35px; background: rgb(23, 54, 93); margin-left: 5px; margin-right: -3px; color: rgb(255, 255, 255); overflow: hidden; visibility: visible;"><br style="visibility: visible;"></section></section></section><section style="padding-top: 1em; box-sizing: border-box; visibility: visible;"><section data-autoskip="1" style="font-size: 14px; line-height: 1.75em; text-align: justify; padding: 0px 1em; color: rgb(23, 54, 93); box-sizing: border-box; visibility: visible;"><p style="text-align: left; vertical-align: inherit; visibility: visible;"><span style="font-size: 17px; color: rgb(54, 96, 146); visibility: visible;"> </span><span style="text-align: left; text-indent: 43px; caret-color: red; font-family: " times="" new="" roman";="" font-size:="" 17px;="" color:="" rgb(0,="" 0,="" 0);="" visibility:="" visible;"="">一般可参照“五步法——户申请、村初审、乡审核、县审核推荐、银行审定，放贷（见</span><span style="font-size: 17px; color: rgb(54, 96, 146); visibility: visible;"><strong style="visibility: visible;"><span style="text-align: left; text-indent: 43px; caret-color: red; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">“富民贷”办理流程图</span></strong></span><span style="font-size: 17px; color: rgb(0, 0, 0); visibility: visible;"><strong style="visibility: visible;"><span style="text-align: left; text-indent: 43px; caret-color: red; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">）</span></strong></span><span style="font-size: 17px; color: rgb(54, 96, 146); visibility: visible;">。</span></p><section data-role="title" data-tools="135编辑器" data-id="111053" style="visibility: visible;"><section style="visibility: visible;" hm_fix="345:475"><section style="box-sizing: border-box; width: 60px; margin: auto; visibility: visible;"><div style="text-align:center"></div></section></section></section><p style="text-align: left; vertical-align: inherit; visibility: visible;"><span style="visibility: visible;"></span></p><div style="text-align:center"></div><p></p></section></section></section></section><section style="color: rgb(255, 255, 255); visibility: visible;"><section style="padding-top: 1.2em; box-sizing: border-box; visibility: visible;"><section style="box-sizing:border-box;max-width: 100% !important;width: 100%;text-align: left;margin-left: -6px;" data-width="100%"><section style="box-sizing:border-box;display: inline-block;width: auto;"><section style="border-width: 1px;border-style: solid;border-color: rgb(23, 54, 93);color: rgb(23, 54, 93);height: 35px;padding: 0px 10px 0px 8px;line-height: 32px;background-color: rgb(254, 254, 254);transform: rotate(0deg);"><section style="font-size: 17px;text-align: center;padding: 0em 0.5em;box-sizing: border-box;"><span style="color: #17365d;font-size: 17px;"><strong><span style="font-size: 17px;font-family: " times="" new="" roman";"=""></span><span style="color: #17365d;font-size: 18px;"><strong><span style=""><strong>农</strong></span></strong><strong><span style=""><strong>户不偿还贷款本息有什么后果呢？</strong></span></strong></span><span style=""></span></strong></span></section></section><section style="margin-top: -38px;border-width: 1px;border-style: solid;border-color: rgb(23, 54, 93);height: 35px;background: rgb(23, 54, 93);margin-left: 5px;margin-right: -3px;color: rgb(255, 255, 255);overflow: hidden;"><br></section></section></section><section style="padding-top: 1em;box-sizing: border-box;"><section data-autoskip="1" style="font-size: 14px;line-height: 1.75em;text-align: justify;padding: 0px 1em;color: #17365d;box-sizing: border-box;"><p style="vertical-align:inherit;"><span style="color: rgb(54, 96, 146);caret-color: red;font-size: 17px;"> </span><span style="font-size: 17px;color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);caret-color: red;font-size: 17px;"> 如果不偿还贷款本息，主要有五种后果：一是会有不良信用记录，上银行</span><span style="color: rgb(0, 0, 0);caret-color: red;font-size: 17px;font-family: " times="" new="" roman";"="">“</span><span style="color: rgb(0, 0, 0);caret-color: red;font-size: 17px;">黑名单</span><span style="color: rgb(0, 0, 0);caret-color: red;font-size: 17px;font-family: " times="" new="" roman";"="">”</span><span style="color: rgb(0, 0, 0);caret-color: red;font-size: 17px;">；二是影响本人及家庭成员以后的贷款；三是影响所在村的信用等级评定和贷款；四是要承担相关法律责任。</span></span></p></section></section></section></section><section style="color: #ffffff;"><section style="padding-top: 1.2em;box-sizing: border-box;"><section style="box-sizing:border-box;max-width: 100% !important;width: 100%;text-align: left;margin-left: -6px;" data-width="100%"><section style="box-sizing:border-box;display: inline-block;width: auto;"><section style="border-width: 1px;border-style: solid;border-color: rgb(23, 54, 93);color: rgb(23, 54, 93);height: 35px;padding: 0px 10px 0px 8px;line-height: 32px;background-color: rgb(254, 254, 254);transform: rotate(0deg);"><section style="font-size: 17px;text-align: center;padding: 0em 0.5em;box-sizing: border-box;"><span style="font-size: 17px;color: #17365d;"><strong><span style="font-size: 17px;color: rgb(23, 54, 93);font-family: " times="" new="" roman";"=""></span><span style="font-size: 18px;color: #17365d;"><strong><span style=""></span></strong></span></strong><strong><span style="font-size: 18px;color: #17365d;"><strong><span style=""></span></strong></span></strong></span><span style="color: #17365d;font-size: 17px;"><strong><span style="color: #17365d;font-size: 18px;"><p style="vertical-align:inherit;"><span style="font-size: 18px;font-family: " times="" new="" roman";"="">“<span style="">富民贷</span><span style="font-family: " times="" new="" roman";"="">”</span><span style="">有哪些还款方式？</span></span></p><span style="color: #17365d;font-size: 18px;"><strong><span style=""></span></strong></span><span style=""></span></span></strong></span></section></section><section style="margin-top: -38px;border-width: 1px;border-style: solid;border-color: rgb(23, 54, 93);height: 35px;background: rgb(23, 54, 93);margin-left: 5px;margin-right: -3px;color: rgb(255, 255, 255);overflow: hidden;"><br></section></section></section><section style="padding-top: 1em;box-sizing: border-box;"><section data-autoskip="1" style="font-size: 14px;line-height: 1.75em;text-align: justify;padding: 0px 1em;color: #17365d;box-sizing: border-box;"><p style="vertical-align:inherit;"> <span style="color: rgb(0, 0, 0);"> <span style="color: rgb(0, 0, 0);font-size: 17px;font-family: " times="" new="" roman";"="">原则上是合同内到期的采取一次性还款方式，对自然灾害、重大疫情、家庭成员人身意外伤害及重大疾病等非主观因素导致暂时不能按时偿还贷款的，可办理1次贷款展期。</span></span></p></section></section></section></section><section style="color: #ffffff;"><section style="padding-top: 1.2em;box-sizing: border-box;"><section style="box-sizing:border-box;max-width: 100% !important;width: 100%;text-align: left;margin-left: -6px;" data-width="100%"><section style="box-sizing:border-box;display: inline-block;width: auto;"><section style="border-width: 1px;border-style: solid;border-color: rgb(23, 54, 93);color: rgb(23, 54, 93);height: 35px;padding: 0px 10px 0px 8px;line-height: 32px;background-color: rgb(254, 254, 254);transform: rotate(0deg);"><section style="font-size: 17px;text-align: center;padding: 0em 0.5em;box-sizing: border-box;"><span style="color: #17365d;font-size: 17px;"><strong><span style="font-size: 17px;font-family: " times="" new="" roman";"=""></span><span style="color: #17365d;font-size: 18px;"><strong><span style=""></span></strong><p style="vertical-align:inherit;"><span style="font-size: 18px;font-family: " times="" new="" roman";"="">如何确保贷款专款专用？</span></p><strong><span style=""></span></strong></span><span style=""></span></strong></span></section></section><section style="margin-top: -38px;border-width: 1px;border-style: solid;border-color: rgb(23, 54, 93);height: 35px;background: rgb(23, 54, 93);margin-left: 5px;margin-right: -3px;color: rgb(255, 255, 255);overflow: hidden;"><br></section></section></section><section style="padding-top: 1em;box-sizing: border-box;"><section data-autoskip="1" style="font-size: 14px;line-height: 1.75em;text-align: justify;padding: 0px 1em;color: #17365d;box-sizing: border-box;"><p style="text-align: justify;vertical-align: inherit;text-indent: 43px;"><span style="font-size: 17px;color: rgb(0, 0, 0);">在贷款使用过程中，村级组织负责人、第一书记、驻村干部等要对贷款农户进行经常性走访，了解他们的生产生活和经营状况，监督农户将贷款用于申请发展的项目，对没有按贷款约定发展项目和更改贷款用途的，及时上报。</span></p></section></section></section></section></section></section></section></section></section><section data-role="paragraph"><p style="text-align: right; vertical-align: inherit;"><font size="1" color="#808080">来源：乡村振兴在行动</font></p></section></section></section><br>
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