After the loan certificate expires, you need to apply for a new loan certificate. Generally speaking, as long as farmers' loans are not repaid at maturity, it is relatively easy to apply for loan certificates again. After the loan certificate expires, if farmers no longer need loans, they can directly return the loan certificate to the rural credit cooperatives. If farmers want to continue to hold loan certificates, they need to apply to the rural credit cooperatives to continue to use loan certificates, and then the rural credit cooperatives will decide whether to issue new loan certificates to farmers according to their previous repayment, loan certificate use and credit degree changes. Farmers cooperate with the rural credit cooperatives, repay the principal and interest on time, and there is no illegal use of loan certificates, and the credit degree still meets the conditions for issuing loan certificates, and the rural credit cooperatives reissue loan certificates for farmers. On the other hand, if farmers no longer meet the conditions for issuing loan certificates by rural credit cooperatives, rural credit cooperatives will withdraw the loan certificates and no longer issue loan certificates to the farmers.