The term of micro-credit loans for farmers is determined according to the actual cycle of production and business activities, and in principle it does not exceed one year. However, according to the seasonal characteristics of local agricultural production, the production cycle of loan projects and comprehensive repayment ability, the term of small loans is flexibly determined. ① Small loans for traditional agricultural production are allowed to be used across years, and the actual needs of borrowers and the objective impact of disasters should be fully considered. The term of personal loans can be appropriately extended according to the situation. (2) loans for greenhouse planting, fruit planting, tea garden renovation, special aquatic products (livestock) breeding and other production and operation periods or post-disaster recovery periods can be extended to three years. (3) The term of the consumer loan can be determined by the borrower and the borrower through consultation according to the consumption type, the borrower's comprehensive repayment ability, loan risk and other factors. (4) If the loan cannot be repaid due to natural disasters, epidemics and other force majeure, it can be reasonably extended under the premise of controllable risks.