How to deal with the training loan scam: First, if both the loan contract and the training contract have been signed, it is difficult to think about it. The lawyer said: when signing the contract, the trainees are adults and people with full capacity for civil conduct. The loan terms between students and lending institutions are legal and effective. Even if the training institution does not have the training qualification, it will not directly invalidate the training contract, and the student loan still needs to be repaid on schedule according to the contract. 2. If the trainees insist, on the premise of considering the legal compliance and actual performance of the training and loan, there are three ways: (1) If the trainees feel that there is fraud, coercion, major misunderstanding and other situations in the process of signing the training contract and loan contract afterwards, they can request the arbitration institution to cancel the training contract and loan contract. However, students must provide evidence that can prove fraud, coercion and major misunderstanding. (2) If the training institution fails to perform the training contract obligations, or the performance of the contract obligations does not conform to the agreement, the trainees may claim the liability for breach of contract from the training institution. There are three ways to solve this problem: complaining to the consumer association, complaining to the industrial and commercial department, or bringing a lawsuit. According to the different situations of breach of contract, students can ask the training institution to continue to perform the contractual obligations, compensate for the losses or even propose to terminate the training contract and ask the training institution to return the training fee. (3) If the training institution runs away and fails to fulfill its training obligations, the training institution may be suspected of contract, and the trainees can report to the public security department, and of course they can also complain to consumer associations and industrial and commercial departments. It is worth noting that even if the training contract is terminated or dissolved, the loan contract between the trainees and the lending institution is still legal and valid. Unless the loan contract is terminated at the same time as the training contract, the loan principal and interest still need to be repaid according to the contract. Therefore, in order to avoid the loss of money and time and stay away from troubles, the best way is: whenever someone tries to induce you to receive pre-job training or participate in vocational training by various means, you should be vigilant, keep a cool head, refuse, directly or indirectly indicate that you will not accept training, and stay away from the training loan scam from the beginning.

Second, there is an urgent need for an activity plan about the lecture.

1. Jinhu County is located in the middle of Jiangsu Province and is a big agricultural county. There are more than 72,000 rural credit cooperatives serving 1 1 towns and 165438 administrative villages. All farmers have been established and more than 44,800 farmer certificates have been issued. At the end of the year, the county's small amount 1 10,000 yuan, a net increase of 94.86 million yuan over the beginning of the year, accounting for 27% of agricultural loans; It involves more than 365,438+0,600 farmers (43.9% individuals and 77% farmers with professional licenses). Since 200 1, the recovery rate of farmers' due principal in the county has reached 100%, 99% and 99% respectively. At present, the overdue amount is1190,000 yuan, which is less than 2% of the total loan. Due to the influence of loans overdue, loan contract term and production cycle market conditions, the position of "based on farmers and facing the community" is defined in payment management. Adhere to the principle of "three priorities and four guarantees", that is, shareholders' loans, agricultural loans and farmers' loans are given priority, ensuring that credit loans meet the supply and are flexible and flexible, and ensuring that interest rate policies are fulfilled. In management, three management mechanisms are established: first, full responsibility segmentation, filing to households, accounting supervision, cooperation between communities and villages, and joint evaluation; The third is to distinguish responsibilities, assess on schedule, and ensure benefits. In the way of promotion, we should pay attention to the "three combinations": the combination with supporting the adjustment of agricultural industrial structure, the combination with developing the first enterprise, and the combination with setting up rural funds and rural credit projects, which basically meet the satisfaction of the party and government, farmers and credit cooperatives. Due to accurate positioning and effective measures, the rural areas of Jinhu County have embarked on a benign track. First, the speed of business development has accelerated. In 2003, the deposits and loans of rural credit cooperatives in the county increased by 93 million yuan and143.28 million yuan respectively over the previous year. The second is the decline in credit. "At the end of 2003, the non-performing loan ratio of the whole society dropped by 9.5 million yuan or 6.2 percentage points over the previous year. Third, business income continued to increase. In the first year of its launch, it turned losses into profits. In 2002 and 2003, it realized profits of 3.2 million yuan and 66.5438+million yuan respectively. Fourth, the social benefits are remarkable, which basically solves the problem of farmers' difficulty in obtaining loans, strengthens the connection between social administration and agriculture, improves the credit environment, alleviates social contradictions at the grassroots level in rural areas, and accelerates the process of running a well-off society in rural areas. 2. Obstacles and problems in the process of promoting development After years of exploration and practice, the management system has been continuously improved and rich experience has been accumulated. The main obstacles and difficulties in the implementation of rural credit cooperatives in Jinhu County are: 1, the bottleneck of the development of rural credit cooperatives. Due to the restriction of competitive means such as settlement and network, rural credit cooperatives have a serious outflow of rural funds, and it is difficult to organize funds and the cost is high. The loan-to-deposit ratio of most credit cooperatives exceeds 75%, and the ratio exceeds 100%. Especially in spring, the demand for agricultural production funds is large, the sources of organizational funds are few, and the contradiction is more prominent. 2, a few township cadres have misunderstandings, resulting in artificial obstruction. Many township governments are only keen to help farmers get loans and solve their financial difficulties. Some village cadres borrow certificates from farmers who do not need loans, which affects the enthusiasm and development potential of rural credit cooperatives in supporting agriculture. 3. Rural credit is the biggest problem of sustainable development. The existing personnel quality of rural credit cooperatives determines that the credit management level is low, and a few grass-roots directors and loan officers are lax in auditing before issuing certificates and weak in post-loan inspection, which are potential risks of management. At present, most grass-roots cooperatives only have 2-4 loan officers, including directors, each responsible for 1-4 villages and 600- 1500 farmers, which is difficult to meet the management needs of "small amount, wide coverage and large business volume". 4. Lack of incentive and guarantee mechanism is one of the important factors of slow progress and unsustainable development. Agriculture is a weak industry with high investment, high risk, strong dependence on natural conditions, great potential risk, high cost and concentrated business volume. However, the relevant supporting and preferential policies of the state for agriculture and rural credit cooperatives are not in place, and the risk compensation mechanism for small-scale agricultural loans has not yet been established. Thirdly, several problems need to be studied in the process of distribution management. First, the contradiction between the change of farmers' capital demand level and the definition of new quota. In recent years, significant changes have taken place in farmers' mode of production and business philosophy. The demand for funds for traditional agriculture has weakened, and the demand for funds for expanding production, consumption, education and housing has greatly increased. The capital demand of secondary and tertiary industries, such as agricultural products processing, purchase and sale, large-scale breeding, transportation and the development of individual and private economy, has greatly exceeded the loan quota approved by the business, and it is necessary to reposition the status quo. Second, the structural contradiction between supply and demand of farmers' loans is more prominent. First, large farmers, large buyers and sellers, and individual industrial and commercial households have some funds. In order to expand the scale, they will inevitably increase investment, and the demand for funds is growing, but they lack effective mortgage and pledge. Second, because the economic foundation is weak, the ability to resist risks is poor, and the loan risk is relatively large, the disadvantaged farmers are willing to support the rural credit cooperatives. Third, it is difficult to control the use of "rural to non-agricultural" loans. Because the follow-up management work is difficult to complete, the phenomenon of farmers transferring their uses after lending occurs from time to time. For example, some farmers who don't have actual capital needs apply for loans and lend them to their relatives and friends by taking advantage of simple procedures. There are also many households who borrow money for one household, and even a few have problems such as private borrowing and public use of village cadres' cards. Four. Countermeasures for promoting and developing farmers' sustainable development assume that farmers are undoubtedly the powerful financial backing for developing agriculture, enriching farmers and building a well-off society in rural areas. No matter from the perspective of supporting and serving agriculture, countryside and farmers, or from the perspective of rural credit cooperatives' own development, farmers should manage well, coordinate all parties to make concerted efforts, sum up and improve management methods, reform and innovate, and realize the healthy development of supporting and serving agriculture, countryside and farmers and rural credit cooperatives. 1, organize funds through multiple channels to effectively solve the problem of insufficient funds for supporting agriculture. First, rural credit cooperatives should strengthen the process of electronic construction, effectively solve the problem of poor settlement channels, and further strengthen their financial strength by improving their services and competitiveness; The second is to increase the available funds through liquidation and liquidation; Third, the People's Bank of China's re-lending policy for supporting agriculture should be stable and continuous, so as to prevent the rural credit cooperatives from being overwhelmed with funds and experiencing operational crisis, effectively alleviate the temporary liquidity difficulties in the promotion and issuance of micro-credit loans to farmers, and solve their worries.

Third, training.

In the afternoon, Tuanhuaping County Committee organized the "National Rural Youth Entrepreneurship Training" Yunnan remote network training in the conference room on the sixth floor of the county Committee. Responsible persons and entrepreneurs from all towns and villages in the county.

Training: