Microfinance mainly solves the problem of customers' capital demand in the process of production and operation. The specific uses of small loans for farmers include: ① loans for agricultural production costs such as planting and aquaculture; (2) loans for purchasing agricultural production equipment such as small agricultural machinery; (3) Pre-natal, mid-natal and post-natal service loans around agricultural production; (four) processing, manual, commercial and other self-employed loans; ⑤ Other agricultural production and operation loans. When farmers' small loans are used for non-agricultural purposes, the subsequent risks (refers to the risks that customers may have adverse effects on society by using loans to engage in production and business activities, including the risks of environmental pollution and the risks caused by product quality problems. ) must be very small and must meet the following conditions: ① agricultural product processing industry, in which the food industry must have a hygiene license; 2 Franchise industries (such as salt industry and tobacco industry) must have franchise certificates; ③ Medical and health products manufacturing industry