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有效选择扶贫贷款到户的载体是: 一、依存于千家万户的企业。陕西合阳县同家庄乡在八十年代初办了一个乳品厂,后因奶源严重不足,生产时开时停,企业长期处于半停产状态。1995年,这个县在发放扶贫贷款时,直接将钱贷给这个企业,由企业立据承贷承还,后这个企业将贷款全部用于购买奶牛,并与当地贫困农户签订饲养合同。当地农户在与厂方签订饲养合同时,须先交奶牛款的50％,其余奶牛款从农户逐月交的奶费中扣收。这样做,就可以将扶贫贷款通过企业这个载体直接扶持到贫困户中去。采取贷企扶户,选择企业,必须选择企业的主要生产原料来自于当地千家万户的农户之中,直接受益者是农户。
Effective carrier of choice to help poor loans to households is: First, dependent on tens of thousands of households in the business. In the early 1980s, Tongyangzhuang Township, Heyang County, Shaanxi Province, opened a dairy factory. After a serious shortage of milk sources, production was stopped and the production was halted for a long time. In 1995, when the county distributed poverty alleviation loans, it directly lent money to this enterprise, which was levied by the enterprise on the basis of loans. Afterwards, this enterprise used all loans to buy cows and signed breeding contracts with poor local farmers. When the local farmers sign the breeding contract with the factory, they must first deliver 50% of the cow’s milk, and the rest of the cow shall be deducted from the monthly payment of milk by the farmer. In doing so, poverty alleviation loans can be directly supported to poor households through the carrier of the enterprise. To take loans to support households, select enterprises, enterprises must choose the main raw material for production from thousands of households in the local farmers, the direct beneficiaries are farmers.