1.On the morning of August 28th, Taoyuan Rural Commercial Bank and Changde Guiyuanju Rural Tourism Cooperative signed the first "farm mortgage" loan agreement in the province with the lease right of idle farm houses as collateral, with a credit of 6,543,800 yuan+0.2 million yuan.
Second, in order to support the rural farmhouse reform pilot, promote rural financial innovation, boost rural development, and implement the rural revitalization strategy, Taoyuan Rural Commercial Bank cooperated with the local government and the People's Bank of China to jointly issue the first "farmhouse loan" in Hunan Province for the Guiyuanju farmhouse rural tourism professional cooperative in Changde City. The "farm loan" takes the homestead qualification rights and house ownership of the joining members and the homestead use rights and house use rights of Changde Guiyuanju rural tourism professional cooperative as collateral, and the loan funds are used to operate homestays and restaurants (farmhouses). "Farmhouse loan" increases farmers' property income by revitalizing idle farmhouse resources in Taohuayuan Tourism Management Zone, which is of great significance to help rural economic development in Taohuayuan Tourism Management Zone.
3. On August 28th, seven units, including Taoyuan County Sub-branch of China People's Bank, Taoyuan Rural Commercial Bank, Taohuayuan Tourism Management Zone, Taohuayuan Town People's Government, Agriculture and Rural Bureau of Taohuayuan Tourism Management Zone, Tangjiashan Village Committee and Changde Guiyuanju Rural Tourism Cooperative, held a signing ceremony for the pilot reform of rural housing in Tangjiashan Village of Taohuayuan Tourism Management Zone.
1. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, principles.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.