(a) farmers or self-employed households in the community have full capacity for civil conduct;

(2) Strong credit concept and good credit standing;

(three) engaged in land cultivation or other production and business activities in line with national industrial policies, and have reliable income;

(four) family members must have a labor force with labor production or management ability.

2. The maximum loan amount for farmers' guaranteed loans and guaranteed loans is 50,000 yuan, and the maximum loan amount for merchants' guaranteed or guaranteed loans is 6,543,800 yuan. The term is in months, with a minimum of 1 month and a maximum of 12 months. There are many repayment methods to choose from, such as one-time repayment of principal and interest, equal principal and interest, equal principal and interest in installments, etc.

Three, farmers' credit rating, loan amount determination steps:

(1) Farmers apply for loans from credit cooperatives;

(two) the credit personnel to investigate farmers' demand for production funds and family income, grasp the borrower's credit situation, and put forward preliminary opinions;

(three) the credit rating team shall determine the loan amount and issue the loan certificate according to the information provided by the credit personnel and representatives of local members or villagers' committees.

Four, the credit rating of farmers is divided into excellent, good, general and other credit ratings.

(a) the standard of "excellent" grade is:

1, within three years, borrow from the credit union and repay the principal and interest on time, with no bad records;

2, the family annual per capita net income of more than 2000 yuan;

3, its own funds accounted for more than 50% of the funds needed for production.

(two) the standard of "better" grade is:

1, which has a stable and reliable income source and basically does not owe loans;

2, the annual per capita net income of families 1000 yuan or more.

(3) The standard of "general" grade is: 1, and the family has basic labor force;

2. The annual per capita net income of the family is above 500 yuan.

All localities can determine the specific evaluation criteria and methods according to the actual situation. The amount of micro-credit loans for farmers is approved according to the credit rating of farmers, and the maximum amount is agreed by the central branch of the People's Bank of China and the county (city) credit cooperatives.

Extended data

loan origination

(a) farmers who have been rated as credit users apply for loans to credit cooperatives with their ID cards and "Farmers' Loan Certificate" and fill out the "Application for Farmers' Loan".

(two) the staff of the credit office carefully examined the valid documents such as the Application for Farmers' Loan, the Certificate of Farmers' Loan and the ID card, and verified them with the Economic Archives of Farmers.

(3) After the backstage staff of the credit cooperatives have verified that it is correct, they shall go through the loan procedures, sign the Credit Loan Contract for Farmers of Rural Credit Cooperatives with the borrower, and submit it to the accounting supervisor of the credit cooperatives for review before issuing loans.

(four) credit office staff at the same time to register the "farmers loan certificate" and "farmers' economic files".

(5) The borrower must sign the Application for Farmers' Loan, the Credit Loan Contract of Rural Credit Cooperatives and the IOUs, and affix their handprints.

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