(1) China citizens who have reached the age of 18, have full capacity for civil conduct and have a fixed residence in the service area of rural credit cooperatives, and the sum of the borrower's age and the loan term is not more than 60 years old;

(2) Having a fixed residence and business premises in the local area;

(3) Having the ability to repay the loan principal and interest on schedule;

(4) It has a good reputation and no bad credit record within three years;

(5) Having the credit qualification recognized by the rural credit cooperatives (that is, the credit rating of farmers whose urban personal credit rating is BBB or above is "good" or above);

Provide effective guarantee recognized by rural credit cooperatives;

(seven) have the ability to engage in legitimate production and operation and certain experience;

(8) Having a legal and effective production and operation certificate (including business license or business license certificate, etc.). );

(nine) the industry conforms to the national industrial policy and regional economic development policy, and has good economic and social benefits;

(ten) to open a personal bank settlement account in rural credit cooperatives, or to handle the main settlement business through rural credit cooperatives;