First of all, in the loan object, the agricultural development bank to support in the agricultural, forest, herd, deputy, engaged in planting, breeding, fishing field processing, circulation, service of all types of ownership and organizational forms of small business. Small agricultural enterprises division standard reference "SMEs", "Interim Provisions of the standard statistical size of enterprises are based on (Provisional)" and "non industry enterprises, large and small division standards (Draft)".

Secondly, in the kinds of loans, agricultural development, agricultural loans to small and medium-sized enterprises in accordance with the use of the loans for working capital loans and loans for fixed assets two: the flowFundsLoan is mainly used to solve the liquidity needs of borrowers in the process of production and management; fixed assets loans mainly for new, expansion, renovation of the borrower, the development, the purchase of fixed assets investment projects and production base construction project funds need.

About the duration of the loan and demand, farming issue a request is, small agricultural enterprises loan principle according to the customer's production needs, by lending to determine negotiation. Liquidity loans generally not more than 1 years, fixed assets loans for a period of 1 to 5 years.

If the borrower fails to repay the loan before maturity, short-term loans should be 20 working days in the medium to long term loanLoanShould expire before 30 working days in the loan, may apply for the loan to the lender, and put forward the reasons, extension period and repayment plan. Short-term loan shall not exceed the term of the loan the original loan contract; long-term loans shall not exceed the term of the loan extension of the original loan contract half.

The interest rates on loans, the relevant person in charge of ADBC said, small agricultural enterprises loan risk pricing, risk and return to the symmetry principle, implementation of the relevant provisions of the management of commercial lending rates of agricultural issue, in principle does not float down interest rates. The specific loan rates and interest rate policy implementation in allowable range, according to the loan project risk level, the cost of financing,AdministrationCost, loan target revenue and local market interest rate and other factors, determined by the loan negotiation.

How to apply for and management of loans in accordance with the management and the system of Agricultural Development Bank, agricultural enterprises should first of all to the enterprises in the agricultural release County branch (hereinafter referred to as bank) present a written loan application; bank in receipt of enterprise application, the enterprise's qualification, the basic situation, scope of business, financial condition, credit rating, development prospects, capital demand, the repayment ability of the preliminary investigation, identified the basic conditions whether the customer have the loan, make comments and reply the enterprise whether or not to accept the application; for accepted loans, the bank will require the enterprise to provideBusiness licenseThe relevant basic information, credit card, tax registration certificate, the articles of association of the company, in the past two years and the recent monthly financial accounting report farming issue regulations; on this basis, the agricultural development bank will loan assessment organization, loan review, review and approval, the approval by the loan, accounts will be formally signed a contract with the enterprise, and according to the enterprise payment schedule loans. Loans, bank will according to the relevant provisions of the loan management, enterprises need according to the stipulations of the contract and actively cooperate with the.

In the manner of debt, regulations of ADBC, agricultural loans to small enterprises with the principle of secured loan. The good reputation, high levels of business management, the financial situation is goodCustomerWithin a year, the liquidity loans by credit loans.

In reimbursement, small agricultural enterprises on short-term loans and long-term loans monthly settlement; quarterly bear interest. The principal of the loan can be given a grace period (period irredeemable), and can choose a repayment or due to a repayment.