1. Micro-credit loans for farmers refer to loans granted by rural credit cooperatives to farmers without mortgage or guarantee within the approved quota and time limit based on the reputation of farmers. At present, the loan amount generally does not exceed 5, yuan. This business has been widely welcomed by farmers since it was fully promoted nationwide in 22.
2. To apply for micro-credit loans, farmers should first apply to the local rural credit cooperatives for a Loan Certificate. After receiving the application, the rural credit cooperatives will evaluate the applicant's credit rating, and according to the assessed credit rating, verify the credit loan limit of the corresponding level, and issue the Loan Certificate. When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with the Loan Certificate and valid identity documents. When receiving a loan application, a rural credit cooperative shall examine the purpose and amount of the loan, and issue the loan after passing the examination.
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It should be noted that according to the current regulations, only loans for agricultural production expenses such as planting and aquaculture are available; Agricultural machinery loan; Only by focusing on agricultural pre-,mid-and post-natal service loans and consumer loans such as purchasing daily necessities, building houses, treating diseases, and sending children to school can farmers use micro-credit loans.