III. The term“farmer households” as mentioned in this notice refers to households living in the administrative areas of townships (not including Chengguan towns) for a long time (more than one year), as well as the households living in the administrative villages under the jurisdiction of Chengguan towns for a long time, and households who do not reside in the locality but reside in the country for more than one year, and employees of state-owned farms. Collective households of state-owned economy organs, groups, schools, enterprises and institutions located within the administrative areas of towns (not including Chengguan towns) and within the administrative villages under the jurisdiction of Chengguan towns; households who have a local Hukou but live out for more than one year, whether or not the contracted cultivated lands are retained, they do not belong to the farmer households. Farmer households take household as a statistical unit, which can be engaged in not only agricultural production and management, but also non-agricultural production and management. The decision of a farmer household's loan shall be based on whether the borrower belongs to the farmer household at the time of loan issuance.
The term“small businesses, micro enterprises” as mentioned in this notice refers to the small businesses and micro enterprises conforming to the“Provisions for Classification Standards of Small and Medium-sized Enterprises” (Gong Xin Bu Lian Qi Ye [2011] No.300). The total assets and employees' indicators are all determined by the actual status of the loan at the time of issuance; the operating income target is determined by the cumulative total of 12 natural months before the loan is issued, and if the period is less than 12 natural months, the following formula shall be used for calculation.
Operating income (annual) = Business income during the actual existence of the enterprise / actual months of existence of the enterprise x12
The term“microfinance” as mentioned in this notice refers to the loans to farmer households, small businesses and micro businesses or individual industrial and commercial households with the single credit granting of less than RMB 1 million Yuan (inclusive); the term“no credit granting” refers to the loans with the amount of single loan contract and the loan balance of less than RMB 1 million Yuan (inclusive).
