"Politics" means that the government funds the establishment of risk compensation funds and instigates bank loans. "Silver" means that the government chooses cooperative banks through competition, deposits risk compensation into cooperative banks, increases the operating income of banks and stimulates their enthusiasm for lending. Cooperative banks expand loans according to the amount of risk compensation. "Enterprises" are leading enterprises in poverty alleviation, farmers' professional cooperatives and agricultural enterprises that lead poor households to develop their industries. As a part of the loan recipient, "households" refer to poor households who are willing to lend, have the ability to produce and operate, and meet the loan conditions. "Insurance" is the insurance company's bottom. When the loan suffers losses, the insurance company will compensate the loan principal and interest according to a certain proportion to reduce the credit risk of the bank.