1. Conditions for joint guarantee loans for rural households: 1. Have full capacity for civil conduct; 2. Be single-family, financially independent, and have a fixed residence within the lender’s service area; 3. Have a need for loan funds; 4. Have legal and stable income; 5. Open a deposit account with the lender.

2. Farmers’ Guaranteed Loan Conditions 1. The loan applicant must be between 18 and 60 years old and a natural person with full capacity for civil conduct; 2. Farmers who are in good health, have the ability to work, produce and operate, and can abide by their credit Or rural self-employed households; 3. Urban individuals who are engaged in agricultural-related business activities and have stable business premises; 4. The applicant must be married, and a quota ID card and marriage certificate are required when applying for a loan.

3. Merchant joint guarantee loan conditions 1. The borrower is required to have a business license and have been operating normally for more than six months; 2. Be between 18 and 60 years old, have a local household registration or live locally More than one year; 3. The lender needs to provide 1 to 2 natural persons for guarantee. The guarantor is required to be a national civil servant, teacher, doctor and other people with stable income, or form a joint guarantee group of 3 households. If all conditions are met , the maximum loan amount is less than 100,000 yuan; 4. The original and copy of the borrower's valid identity document need to be submitted; 5. The original and copy of the business license that has passed the annual inspection, and if engaging in franchising, the relevant administrative supervisor should also be provided The original and copy of the department's business license; 5. If the borrower has a non-local permanent residence, proof of operating or living in the local area for one year should be provided, such as one-year business-related contracts, house rental contracts, various types of payment Documents, etc.; 6. When applying for a guaranteed loan, the original and copy of the guarantor’s resident ID card and the guarantor’s certification materials should be provided (if the guarantor is a natural person with a fixed occupation, the guarantor’s name, work unit, average monthly income, and unit contact should be provided. If the guarantor’s employer stipulates that the employer is not allowed to issue an employer certificate, it can be replaced by the original and copy of the work permit and a salary slip stamped with the official seal of the employer.

4. Merchant guaranteed loan conditions 1. Customers applying for merchant loans must provide a business license that has passed the annual inspection. Those engaged in licensed operations should provide the original and copy of the business license from the relevant administrative department; 2. The borrower is engaged in production For business activities, the property rights certificate or lease contract of the business location must be provided; 3. If a natural person guarantee is involved, the original and copy of the guarantor's ID card, proof of work unit or income, and a written commitment from the guarantor to provide guarantee (current products do not need to be issued) must be submitted , only need to sign a joint guarantee agreement, guarantee contract); if a mortgage or pledge guarantee is involved, documents proving the ownership of the mortgage or pledge rights and written proof that the person with the right to dispose agrees to the mortgage (pledge); 4. Business license If the processing time is less than three months, but it has been in normal operation for more than three months and the business is in good condition, relevant purchase and sales certificates must be submitted; 5. Other loan conditions required by the lending bank.