중고농기계구입자금지원

(2) 중고농기계구입자금지원

○ 지원대상자 : 농업인, 농업회사법인, 영농조합법인, 농협농기계은행 등

○ 지원대상 농기계〔별표1 참조〕

- 공급자로부터 구입시 : 중고농기계 매매계약서[별지11호]를 작성하여 구입한 중고농기계 또는 한국농기계공업협동조합의 사후봉사 이행보증을 받은 중고농기계

․공급자 : 시·군·구단위 사후봉사업자, 공급농협, 중고농기계 상설판매장, 중고농기계 전문거래업자(시·군·구 단위 사후봉사업자의 시설과 기술인력을 갖추고 판매업으로 세무서에 등록한 자)

- 농가간 거래시 : 중고농기계 매매계약서[별지11호]를 작성한 후 공급자의 중개 또는 확인을 받은 중고농기계

단, 현금거래시는 대금지불 완료후 10일이내에 융자 신청한 경우만 지원

○ 융자지원액

- 미상환잔액이 없는 중고농기계 : 융자지원기준금액표에서 정한 가격의 90%이내

- 미상환 잔액이 있는 중고농기계 : 중고농기계 융자지원기준표[별표2]에서 정한 가격의 90%이내에서 지원하되 미상환잔액이 당초 융자액의 50%미만일 경우에만 지원 가능하며, 미상환잔액이 50%미만인 중고농기계의 농가간 거래는 미상환 잔액을 승계하는 것을 원칙으로 함.

- 기종별 융자지원한도액[별표 2]

※ 융자지원 한도 상한액은 신품농기계의 융자지원 한도액 기준을 준용(예 70마력이상 트랙터의 융자지원액은 70마력을 기준으로 융자)

　○ 융자금 상환조건 : 연리 3%, 거치기간 없이 융자기간 동안 균분상환

　○ 융자기간

- 내용연수가 지난 중고농기계 : 3년이내

- 내용연수 이내의 중고농기계

․잔여내용연수가 3년 이상인 경우 : 잔여내용연수

․잔여내용연수가 3년 미만인 경우 : 3년이내

○ 사후관리

- 중고농기계 공급자는 농업인 등과 협의하여 일정기간 무상수리(12개월이내)하는 등 사후관리를 철저히 하여야 함.

○ 농협중앙회는 인터넷「중고농기계 거래마당」등을 이용하여 중고농기계 구입자금 융자지원 제도를 적극 홍보

라. 융자금 집행 절차

○ 융자금 집행은 사업추진절차를 준수하며, 기타는 농업종합자금사업과

정책자금이차보전사업의 절차에 따름.

<사업추진 절차도>

농 업 인

←

③

④

①↓↑② ↑⑧

↓ ↓

지역농협, 시중은행 (사업주관기관)

⑤ ←

공 급 자 (제조업체, 농기계대리점) 중고농기계 매수농업인 (현금거래후 10일이내 융자신청시)

→

-1

⑥↓↑⑦

농협중앙회, 시중은행본점

←

❶-1

제 조 업 체

→

-2

↓⑫

⑨↓⑩↑↓⑪

농업기술지원과 (사업지원과)

협동조합과 (정책자금관리단)

·····························································································································

① 융자신청 ❶-1 농기계 제조번호 통보 - 농기계제조업체는 농업인에게 공급하고자하는 주요농기계의 제조번호를 농협중앙회 및 시중은행본점에 공급예정월의 전월 25일까지 통보 - 농협중앙회 및 시중은행본점은 주요농기계의 제조번호 정보를 공유하여 지역농협과 시중은행지점에서 이미 대출된 농기계인지 여부를 검색토록 하여 이중융자를 방지 ※ 부당융자(농기계 구입융자 후 즉시판매) 및 부당공급(이중융자)을 방지하기 위한 감사원 요청사항임 ② 융자지원의 적정여부 및 자부담금 납부(농업인이 공급자 통장에 입금) 확인, 융자대출수속필증확인서 교부 ③ 융자수속필확인서 공급자에 제출, 농기계 인수일자·장소 통보

④ 농업인이 지정하는 장소에서 농기계 인도·인수 - 농업인은 융자금지불위임장과 기대인수 확인서를 공급자에게 제출 - 대출취급기관은 융자지원신청 농기계와 공급한 농기계의 일치여부를 현지확인 ⑤ 융자금 지급 요청(융자금지불위임장 및 기대인수확인서 첨부) ⑥ 농기계 공급 보고(전산입력) ⑦ 융자금 지급 ⑧ 대출실행 ⑨ 이차보전액 요구 ⑩ 이차보전 실시 ⑪ 사업비 정산 -1 대출금 지급(제조업자가 사후봉사이행보증 받아 직접 공급시) -2 대출금 지급(농협중앙회 또는 시중은행본점이 제조업자등과 일괄지급계약 체결시) - 일괄지급계약을 체결할 경우는 월 2회 이상 지급할 것을 조건으로 함 ⑫ 연간 농기계 공급상황, 농기계모델별 실거래 가격 등 대출실적 보고

 (2) Funds for purchase of used agricultural machinery

○ Applicants: farmers, agricultural corporations, agricultural cooperatives, agricultural cooperatives, farmers, etc.

○ Applicable agricultural machinery [see attached table 1]

- Purchase from suppliers: Used agricultural machinery purchased by purchasing used agricultural machinery sales contract [Attachment 11], or used agricultural machinery that has been guaranteed after-service service of the Korean Agricultural Machinery Industry Cooperative

Supplier: a city, county, or county post-seal operator, supply agricultural cooperatives, a permanent sales office of used agricultural machinery, a specialist trader of used agricultural machinery (registered with the tax office with the facilities and technical manpower of city, county,

- When trading between farms: Used agricultural machinery sales contract [Attachment 11]

However, in the case of cash transactions, only if you apply for a loan within 10 days after the completion of payment

○ Financing amount

- Used agricultural machinery without outstanding balance: Within 90% of the price specified in the base price table

- Used agricultural machinery with outstanding balance: It can be supported only within 90% of the price specified in [Schedule 2] for used agricultural machinery loans, but only if the outstanding balance is less than 50% of the original loan amount. In principle, agricultural transactions between farmers shall be transferred to the outstanding balance.

- Loan support limit by model [Annex 2]

※ The upper limit of the loan support limit applies to the limit of the loan support amount of the new agricultural machinery (for example, the loan amount of 70 horsepower for tractor over 70 horsepower)

○ Condition of repayment of loan: 3% per annum, repayment of equilibrium

○ Financing period

- Used agricultural machinery lasted for years: within 3 years

- Used agricultural machinery within the useful life

If the remaining useful life is more than 3 years: remaining useful life

If the remaining service life is less than 3 years: Within 3 years

○ Follow-up management

- The supplier of used agricultural machinery should thoroughly supervise such as free repair (within 12 months) for a certain period in consultation with farmers and others.

○ The NACF has been actively promoting the purchase finance loan support system for used agricultural machinery by using the internet "Used Agricultural Machinery Trading Zone"

la. Loan execution procedure

○ The execution of the loan conforms to the project implementation procedure.

According to the procedure of the policy fund secondary conservation project.

<Procedure for business promotion>

Farmer

←

③

④

① ↓ ↑ ② ↑ ⑧

↓ ↓

Local agricultural cooperatives, commercial banks

(Business organization)

⑤

←

producer

(Manufacturer, agricultural machinery distributor)

Used farm machinery buyer farmer

(10 days after cash transaction)

→

-One

⑥ ↓ ↑ ⑦

NACF, commercial bank headquarters

←

❶-1

Manufacturer

→

-2

↓ ⑫

⑨ ↓ ⑩ ↑ ↓ ⑪

Agricultural Technology Support Division

(Business support section)

Cooperative

(Policy Fund Management Team)

· · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · ·

① Loan application

❶-1 Notification of agricultural machinery serial number

- Agricultural machinery manufacturers will supply the number of the major agricultural machinery to be supplied to the farmers to the NACF and the head office of the commercial bank.

- The NACF and the head office of the commercial bank share the serial number information of the major agricultural machinery to find out whether it is an agricultural machinery already borrowed from local agricultural cooperatives or commercial bank branches.

※ It is requested by the Auditor to prevent unfair financing (immediate sale after purchasing farm equipment purchase loan) and unfair supply (double loan).

② Confirmation of financing support and payment of self-payment (farmer deposits to supplier's account), confirmation of loan loan procedure certificate

③ Letter of financing confirmation Submission to supplier, date of purchase of agricultural machinery, notification of place

④ Agricultural machinery delivery / acquisition at the place designated by the farmer

- The farmer submits a power of attorney for payment of the loan and confirmation of expected acceptance to the supplier

- The loan handling agency will check whether the loan application support the matching of the agricultural machinery with the supplied agricultural machinery.

⑤ Request for loan payment (Attachment letter of proxy for loan payment and expectation)

⑥ Agricultural machinery supply report (computer input)

⑦ Payment of loan

⑧ Loan execution

⑨ Secondary balance requirement

⑩ Conduct secondary preservation

⑪ Settlement of business expenses

-1 Loan payment (when the manufacturer directly guarantees the performance of post service)

-2 Loan payment (when the NACF or the bank head office concludes a lump-sum payment contract with the manufacturer, etc.)

- In case of concluding a collective payment contract, it shall be paid at least twice a month.

⑫ Report annual lending results such as the annual supply of agricultural machinery and actual transaction prices by farm machinery model

（2）中古農業機械の購入資金支援

○支援対象者：農業、農業会社法人、営農組合法人、農協農業機械銀行など

○支援対象農業機械〔別表1参照〕

- プロバイダから購入時：中古農機売買契約書[別紙11号]を作成して購入した中古農機や韓国農業機械工業協同組合のアフターサービス履行保証を受けた中古農機

。製造者：市・郡・区単位事後棒事業者、供給農協、中古農機常設売り場、中古農業機械の専門取引業者（市・郡・区単位事後棒事業者の施設と技術者を備えて販売に税務署に登録した者）

- 農家間取引時：中古農機売買契約書[別紙11号]を作成した後、製造者の仲介または確認を受けた中古農機

ただし、現金取引時は、代金の支払い完了後10日以内に融資申請した場合のみサポート

○融資支援額

- 未償還残高がない中古農業機械：融資支援基準金額表で定められた価格の90％以内

- 未償還残高がある中古農機：中古農機の融資支援目安表[別表2]で定められた価格の90％以内でサポートするが、未償還残高が当初の融資額の50％未満である場合にのみサポート可能であり、未償還残高が50％未満の中古農業機械の農家間取引は、未償還残高を承継することを原則とする。

- 機種別融資支援限度額[別表2]

※融資サポート限度上限額は、新品農業機械の融資支援限度額の基準を準用（例えば70馬力以上のトラクターの融資支援額は70馬力に基づいて融資）

○住宅ローンの支払い条件：年利3％、据置期間なしに融資期間均分返済

○融資期間

- 耐用年数が過ぎ中古農機：3年以内

- 耐用年数以内の中古農機

。残りの耐用年数が3年以上の場合：残りの耐用年数

。残りの耐用年数が3年未満の場合：3年以内

○事後管理

- 中古農業機械の製造者は、農業などと協議して、一定期間無償修理（12ヶ月以内）など事後管理を徹底しなければならない。

○農協中央会は、インターネット「中古農機取引庭」などを利用して、中古農機購入資金融資支援制度を積極的に推進

なさい。ローン執行手続

○融資執行は事業推進手順を遵守し、その他の農業総合資金事業と

ポリシー資金二次保全事業の手順に従う。

<事業推進手続きも>

農業の

←

③

④

①↓↑②↑⑧

↓↓

地域農協、市中銀行

（事業主管機関）

⑤

←

供給者

（メーカー、農機具販売代理店）

中古農機枚数農業

（現金取引後10日以内に融資申請時）

→

-1

⑥↓↑⑦

農協中央会、市中銀行本店

←

❶-1

第条アップ体

→

-2

↓⑫

⑨↓⑩↑↓⑪

農業技術サポートと

（事業支援課）

協同組合と

（ポリシー資金管理団）

·················································· ·················································· ·························

①ローンの申込

❶-1農業機械の製造番号通知

- 農業機械メーカーは、農業従事者に供給しようとする主な農業機械の製造番号を農協中央会と市中銀行の本店に供給予定月の前月25日までに通知

- 農協中央会と市中銀行本店は、主要な農業機械の製造番号の情報を共有し、地域農協と市中銀行の支店で既に融資された農業機械かどうかを検索するようにして、二重の融資を防止

※不当融資（農機購入融資後すぐに販売）と不当供給（二重ローン）を防止するための監査要求事項である

②融資支援の適正かどうか、および者負担金納付（農業が製造通帳に入金）確認、ローンの貸し手手続き済証確認書の交付

③融資手続きフィル書プロバイダに送信すると、農業機械の買収日・場所通報

④農業が指定する場所で農業機械、インド・買収

- 農業は住宅ローンの支払い委任状と期待引数書をプロバイダに提出

- ローン取扱機関は、融資支援申請農業機械と供給された農業機械の一致するかどうかを、現地確認

⑤ローン支払い要求（融資の支払い委任状と期待引数確認書添付）

⑥農業機械の供給見（電算入力）

⑦ローン支払い

⑧ローン実行

⑨二次補填額の要求

⑩二次保全実施

⑪事業費精算

-1貸付金支給（製造業者がアフターサービス履行保証受け直接供給時）

-2貸付金支給（農協中央会または市中銀行本店が製造業者等との一括支給契約締結時）

- 一括支払い契約を締結する場合は、月2回以上支給することを条件とする

⑫年間農業機械の供給状況、農業機械モデル別実取引価格等の融資実績報告