The proposal consists of the cause of action (title), the sponsor and the content of the proposal.
The cause of action is the title. When writing the cause of action, we should grasp the main idea of the proposal, so that the cause of action is consistent with the content and concise.
Sponsor. That is, the name of the unit submitting the proposal (political parties, people's organizations and special committees of CPPCC) or the names of CPPCC members, including mailing address, postal code and contact telephone number. Whoever is the initiator is the name. Proposals made in the name of political parties, people's organizations and special committees of China People's Political Consultative Conference must be signed and sealed by the person in charge of the organization; Members of the joint proposal, the sponsor should be the first sponsor, in the first place to sign.
The content of the proposal. Generally, it includes two parts: cause of action analysis, suggestions, methods and requirements. Use declarative language.
(1) Cause analysis. Including the reasons, reasons or basis for the proposal, which is the core part of the proposal, should be written truthfully, concise and to the point, and should not be generalized or vague. First put forward the cause of action, and then analyze the reasons for the existing problems or put forward the basis for solving the problems.
(2) Suggestions, methods and requirements. In view of the problems reflected in the cause of action, this paper puts forward its own ideas and methods to solve the problems. Everything should be based on the current principles, policies, laws and regulations. Before writing a proposal, we should thoroughly study the relevant guidelines, policies, laws and regulations, and conduct in-depth investigation and analysis on the matters of the proposed proposal. The content should be realistic, the criticism should be to the point, the analysis should be appropriate, and the countermeasures and suggestions put forward should be practical.
Model proposal:
Suggestions on setting up rural housing mortgage loan to solve the problem of farmers' loan difficulty.
Sponsor: country X.
At the end of last year, Jiangbei District Party Committee and District Government formulated the Implementation Opinions on Building a Comprehensive Reform Experimental Zone for Urban and Rural Integration Development, focusing on the implementation of "five reforms and five advances", optimizing the land use system and reforming the rural housing system. As an important part of the implementation opinions, in order to solve the fund bottleneck problem of farmers' innovation and entrepreneurship in this area, the rural housing mortgage loan pilot was put on the agenda.
According to the work arrangement of the district committee and government, urban credit cooperatives, as local rural cooperative financial institutions, are listed as pilot financial institutions for rural housing mortgage loans, and will cooperate with the government to implement this work. In order to smoothly promote this loan pilot project, through visiting relevant streets, grass-roots rural areas and farmers, we now put forward the following suggestions on developing farmers' housing mortgage loans.
First, the basic model of "rural housing mortgage loan".
Rural housing mortgage loan takes rural housing ownership as the service object, and eligible natural persons within the jurisdiction apply for loans from rural credit cooperatives with their own or third-party rural housing as collateral to meet the demand for production and operation funds.
Credit cooperatives are audited and evaluated by relevant government departments, and mortgage registration procedures are handled, and relevant government departments issue registration certificates. Applicants can obtain credit funds from credit cooperatives for starting a business and developing reproduction.
Two, the necessary elements of cooperative development of rural residential mortgage loans.
1, Jiangbei District Government and Urban Union signed a cooperation agreement to develop rural housing mortgage loan business.
2. Establish a farm house management center in Jiangbei District, and set up sub-centers in streets and towns to co-ordinate the management of farm houses.
3 farmers to apply for loans with housing as collateral, should be registered in the streets, township sub-centers, and issue a registration certificate.
4, the loan can not be repaid, the credit cooperatives to the "rural housing management center" to apply for repurchase. Responsible for the repurchase, and negotiate with the sub-center to dispose of the property.
Third, suggestions on loan risk control.
1. The government should clarify relevant policies. For rural housing mortgaged by loans, after the collective land ownership unit (village committee) where the rural housing is located has made a commitment to mortgage and transfer the housing, according to the principle of "the land follows the house", the collective land use right and the real estate are allowed to be transferred and realized within the same village after the registration of real estate mortgage.
Resettlement and decentralization of rural houses in poor new villages have a circulation period, and the land use right and real estate of rural houses are allowed to be transferred and realized within the same village without changing the nature of rural houses. If the mortgaged farmhouses belonging to the state-owned allocated land are transferred and disposed of after the expiration of the restricted transfer period, after paying the land transfer fee according to the regulations, the realized price will give priority to repaying the loan.
2. Risk assessment should be strengthened in loan issuance. In order to improve the liquidity of mortgaged rural houses, the loan method can be based on the borrower's credit status and the realization conditions of collateral, and the way of rural house mortgage and villager guarantee can be adopted.
In promoting rural housing mortgage loans, the practice of piloting first and then popularizing is adopted. First, pilot projects will be selected in economically developed streets (towns) and villages, and then they will be extended to general rural areas after various supporting mechanisms and management methods are improved.
3. Further improve the rural housing policy insurance system and disperse the risks of rural housing mortgage loans. The district government should establish a financial discount and risk compensation system for rural housing mortgage loans, and arrange certain financial funds for rural housing mortgage loans every year to reduce farmers' financing costs.
For rural housing mortgage loans that do not enjoy risk compensation according to the provisions of the agricultural loan risk compensation measures, the district finance establishes special risk compensation funds for rural housing mortgage loans, and carries out risk compensation with reference to the agricultural loan risk compensation measures and standards to improve the enthusiasm of credit cooperatives for rural housing mortgage loans.