Strictly prevent "loan under name" from harming the interests of farmers

Recently, media reported that many farmers in Yangxi Township, Yujiang County, Jiangxi Province were foolish in the face of being sued by the bank to repay the principal and interest of all the loans. It turned out that six years ago, they applied for a small loan of 30,000 yuan to farmers in the Yujiang branch of a bank, but they only got 10,000 yuan, and the other 20,000 yuan went to a local contractor engaged in the construction industry, but now they are asked to take responsibility.

It is understood that "loan under one's name" is not uncommon in rural areas. In recent years, the state has increased its financial support to rural areas. The preferential agricultural loans originally designed to help farmers have become a financial channel for some people to obtain low-interest loans. Because farmers have a poor sense of prevention and are not familiar with the policy, coupled with the assistance of village cadres and the acquiescence of loan officers, many farmers take the blame for loans, causing losses to state funds and farmers. it also undermines the credibility of the preferential agricultural loan policy among the masses.

For such problems, first of all, farmers should raise their awareness of prevention, and should not rashly lend "loans in the name of loans" just because of some immediate interests or unable to erase human feelings; localities should also step up the investigation and crackdown on those responsible for defrauding loans; financial institutions should also strengthen qualification examination and post-loan supervision, and carefully investigate any potential "loan under name". They cannot always wait for things to be exposed before they know to seek claims from farmers.