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来源：百度知道 编辑：UC知道 时间：2024/06/24 19:05:47
设施农业贷款
产品概述：
设施农业贷款是指在发展现代都市农业过程中，用于满足以农户为投资主体，建设温室、大棚等各类农业设施时资金缺口需要，且符合农户小额信用贷款条件的特定用途贷款。
适用群体:
在京郊具有农业户口，主要从事农村土地耕作或者其他与农村经济发展有关的生产经营活
动，具有完全民事行为能力、资信良好的农民、个体经营户等。
产品特点:
1．利率优惠：基准利率不上浮或少上浮。
2．还款方式多样：可采用分期还款，利随本清，按季结息，到期一次还本等方式。
3．担保方式多样：可采用信用、联保、抵押、质押、担保公司一揽子担保等方式。
办理条件:
1．农户申请设施农业贷款须持所在乡镇设施农业发展规划证明。
2．本贷款为特定用途：一是用于农业设施中的基础建设；二是农业设施建设的流动资金。

Facilities in agricultural loans
Product Overview:
Agricultural loan facility is in the development of modern urban agriculture process, to meet with farmers for the investment, construction, greenhouse, shed, and other agricultural facilities, the shortfall in funds needed, with farmers and small credit loan conditions for specific purposes.
Application groups:
Agriculture accounts in the suburbs of Beijing are mainly engaged in farming or other rural land and rural economic development related to production and business activities, with full civil capacity, credit good farmers, self-employed households, and so on.
Production Features:
1. Interest rate concessions: the benchmark rate is not as high as high or less.
2. A variety of repayment: possible payments, with the benefit of this clearance, quarterly income statements, including principal repayments due time.
3. Way of security and diverse: available credit, the insurance, mortgage, pl