1, personal credit loan. Personal credit loans provided by rural commercial banks mainly include family loans and public official loans. Family loan refers to a kind of credit loan applied by other family members as guarantors. Loans can be used for production and consumption, and the longest loan period is no more than 2 years. The loan for public officials is a pure credit loan issued by the Agricultural Bank of China to civil servants and institutions with good behavior qualifications.

2. Personal and corporate mortgage loans. Rural commercial banks support the mortgage of individual housing and land contractual management rights, and also support unpopular mortgage loans such as corporate equity pledge and sea area use right mortgage. To handle these two types of loans, the property rights of collateral need to be clear, and the loans are widely used, which can be used for consumption and business activities of individuals and enterprises.

3. Housing loan. Housing loan is a loan product promoted by banks. Rural commercial banks support housing loans and provident fund for portfolio loans, with a maximum loan period of 30 years.

4. Risk loan. Rural commercial banks provide agricultural industrial chain, women's entrepreneurship, youth entrepreneurship, farmers' loans and other entrepreneurial loans. Farmers can apply for planting and breeding projects, purchase agricultural machinery and equipment and build water conservancy projects, as long as the projects meet the requirements.

5. Consumer loans. Consumer loans of rural commercial banks can be used for home appliances, home improvement, automobiles and other loan purposes.