According to the relevant information of the State Grain and Material Reserve Bureau, the grain reserve loan can only be handled in China Agricultural Development Bank, because our country only has China Agricultural Development Bank as the corresponding policy bank, and China Agricultural Development Bank is not a joint-stock bank, so it is not allowed.

Joint-stock banks generally refer to joint-stock commercial banks, which are a type of commercial banks. There are 12 national joint-stock commercial banks in China: China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank, Ping An Bank, Zheshang Bank, hengfeng bank and Bohai Bank.