低息+长贷+减负！我省出台专项金融支持措施→

Core Viewpoint - A series of financial support measures have been introduced to promote agricultural modernization and invigorate new agricultural business entities, providing substantial development assistance to family farms and farmers' cooperatives [1] Group 1: Expansion of Loan Recipients - The support scope now includes family farms, large-scale farmers, and farmers' cooperatives that have been engaged in crop planting, livestock and aquaculture, agricultural product processing, and agricultural social services for over two years [2] Group 2: Preferential Loan Rates - Personal loan interest rates will not exceed 3.5%, while farmers' cooperatives will have loan rates capped at 4%, based on current base interest rates [2] Group 3: Loan Term Extensions - Personal loans can have a maximum term of 5 years, and loans for cooperatives can last up to 3 years. For entities with good credit, a no-repayment renewal option is available, extending personal loan terms up to 10 years [3] Group 4: Optimized Loan Guarantee Combinations - Loans under 1 million yuan for individuals will be supported primarily through unsecured credit. For cooperatives, loans under 2 million yuan can be guaranteed by members of the cooperative's council, while loans under 3 million yuan can be backed by the provincial agricultural guarantee company [4] Group 5: Insurance Premium Subsidies and Fiscal Interest Subsidies - The provincial agricultural guarantee company will focus on supporting new agricultural business entities with loan demands between 100,000 and 3 million yuan. Guarantee fees will not exceed 0.8%, with specific rates for land transfer and agricultural machinery purchases capped at 0.5%. Timely repayment will yield a subsidy of up to 50% of the actual guarantee fee [5] Group 6: Strengthening Credit Resource Assurance - Loans for new agricultural business entities will be prioritized over other business loans in terms of investigation, review, and approval processes. Agricultural banks will cover costs related to mortgage registration, evaluation, supervision, and notarization [6]