In rural areas, almost every household has its own roof, which allows rooftop photovoltaic power stations to be used in rural areas. Moreover, due to its characteristics of "no pollution, no radiation", "guaranteed profit and high income", "convenient and fast station construction", and "long income time", it has quickly become popular in rural areas. But at the same time, it also hides many disadvantages for farmers. Today, the editor will analyze in detail several photovoltaic methods that have been popular in rural areas recently.

I. Is the photovoltaic power generation profit model reasonable? Example of 10KW power station

In the 10KW power generation model, the solar panels generate electricity and sell it to the power bureau at a grid-connected price of 0.39 yuan/W to achieve a stable profit. The power bureau pays the investor for the power generation of the previous month on a monthly basis.

1. The investment in photovoltaic power stations is basically around 3 yuan/W, and the total investment in a 10KW power station is 30,000 yuan.

2. 10KW power generation: 10000W*4H (average sunshine time)*360 days=14400 kWh/year

3. Power bureau recovery price: 14400*0.39 yuan/kWh=5616 yuan

4. Annualized return on investment: 5616 yuan (annual power generation income)/30000 yuan (total investment)=19% (annualized return)

Summary: The payback period of photovoltaic power generation is 5~6 years, and the operation time is 25 years under the premise of good construction. The profit period is 20 years.

2. What are the rural photovoltaic business models?

1. Invest your own funds

Invest your own money, pay attention to the following points: the brand and quality of solar panels, the brand and quality of the inverter used, and whether the construction process is standardized.

2. Photovoltaic loan

If you borrow money from a bank yourself, using funds with an annual interest rate of 4%, it will extend the cost recovery cycle by 1 year.

3. Photovoltaic loan (operated by a third-party company)

The photovoltaic company helps the householder to get a loan, using bank funds with an annual interest rate of 7%, extending the cost recovery cycle by 2 years.

The photovoltaic company falsely reports and raises the cost, and the quotation can reach 3.8 yuan/W (up to 4.6 yuan/W), extending the cost recovery cycle by 2 years.

The brand and quality of materials used by the photovoltaic company: the brand and grade of photovoltaic panels (disassembly panels, downgraded panels), inverter brand (ordinary brands are easy to repair), and bracket material selection (rust problem)

4. Photovoltaic leasing

The photovoltaic company leases the roofs of farmers, and the investment has nothing to do with the farmers. The farmers are given an annual rent of about 2,000 (20KW) yuan, and the signing period is 25 to 30 years.

Summary: Choose PV leasing to save worry. If you want to make more money, invest on your own or take out a loan on your own. It is not recommended to apply for PV loans through PV companies because there are too many uncontrollable factors.

3. Issues that farmers are concerned about

1. Do solar panels need to be repaired?

Answer: Good quality solar panels come with a 25-year warranty and basically do not need repair. Of course, poor quality solar panels will have the problem of rapid power generation decline, large attenuation, and low power generation efficiency.

2. What should I do if the photovoltaic lease is demolished or the tiles are collapsed?

Answer: The lease terms are all stated that in the 25 years of collapse, the company will dismantle and install once for free to repair the house. Most demolitions are assisted by the company to get compensation, 1/9 points or 55 points higher.

3. Do I need to change the photovoltaic loan myself?

Answer: When the power generation is insufficient, the lender needs to make up for it. The bank loan only recognizes the lender. It can be reported on the credit report.

4. Photovoltaic loans claim that farmers do not need loans, but village committee loans?

Answer: The village committee is the lender, but the guarantor is indeed the farmer himself. When executing, the bank still looks for the guarantor.

4. Is the photovoltaic loan (company) reliable?

1. In the photovoltaic loan model, the loan subject is the farmer. The bank gives the money directly to the company, and the company gets the cash. The bank loan has a high interest rate, and the farmer owes money. The bank repays the bank monthly through the power generation income. If it is insufficient, the bank will ask the farmer to make up the debt.

2. Some photovoltaic loan companies claim to transfer in 9 to 10 years, and earn a power station for free.

However, the uncontrollable factors are: there is an information gap between the material quality and technology of the photovoltaic loan company and the farmers' cognition, and the farmers cannot identify the quality difference between good and bad. As a result, the power station is damaged and the farmers have to pay for it.

Installation environment, in order to install more solar panels, the photovoltaic company gets more farmer loans from the bank, thus ignoring the surrounding adverse environment, the influence of the obstruction of electric poles, big trees, and the front buildings, and irregular installation, resulting in insufficient power generation income in the later stage, and the farmers have to pay for it.

Installation process, in order to install more solar panels, the photovoltaic company gets more farmer loans from the bank. The adopted process ignores the stability and safety factors of the building, resulting in safety hazards, and the farmers eventually pay for it.

3. Some photovoltaic loans deliberately confuse the grid recovery electricity price and falsely report profits
A photovoltaic company deliberately uses subsidized electricity prices to confuse the public, falsely report profits, and mislead farmers. The actual recovery electricity price is 0.39 yuan/kWh

Summary: Photovoltaic loan companies are mixed, and farmers cannot distinguish and inspect due to information asymmetry. Most companies are aimed at high returns, which leads to farmers bearing a lot of hidden dangers. Therefore, you can choose after you are familiar with it. If you don’t understand, try not to choose the photovoltaic loan (company) plan. After all, the loan interest rate is 7% higher and the procurement cost is 3.8 yuan/W higher.
(The above views are not directed at any photovoltaic loan company)

V. Summary

The photovoltaic power generation model is feasible and the country also supports it. Don’t think of photovoltaic power generation as a monster. I hope everyone can benefit from the article and choose a way that is beneficial to them.