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“互助联保和押金贷款制”就是以行业协会五户以上会员为一组,组成一个贷款组,每组向信用联社交纳一定的风险押金,信用联社根据所交纳风险押金的多少给予相应的贷款,组员间除风险押金外还互为担保,组员间在经营上互相帮助,贷款的有关事项则由行业协会与信用联社协商决定。在目前首届“全国行业协会成就汇报展览会”上,该制度还得到了全国人大顾秀莲副委员长和民政部主要领导的充分肯定。该制度实行至今,已为进城农民经营户累计解决贷款资金8000余万元,在稳定该市农产品的价格方面起到积极作用,并为解决“三农”筹资难问题提供成功的范例。
“Mutual assistance and insurance deposit system ” is a group of more than five industry associations as a group to form a loan group, each group to pay a certain risk credit cooperatives, credit unions according to the amount of risk deposit paid Give the appropriate loans, among the members in addition to the risk of the deposit also guarantee each other, members of the business to help each other, the loan related matters by the industry associations and credit unions decided. At present, the first session of the “National Trade Association Achievements Report Exhibition” has also won the full affirmation of NPC Vice-Chairman Gu Xiulian and major leaders of the Ministry of Civil Affairs. Since the implementation of the system, it has accumulated over 80 million yuan of loan funds for farmers entering the cities and has played an active role in stabilizing the prices of the agricultural products in the city. It has also provided a successful example for solving the financing difficulties of agriculture, rural areas and farmers.