1, credit rating of farmers. Mainly according to the basic situation of farmers, assets and liabilities, production and operation, reputation and other indicators to evaluate. The credit rating of farmers is divided into three grades: excellent, good and general.

2, approved the credit line of farmers. Rural credit cooperatives shall, according to the results of farmers' credit rating, farmers' capital demand and credit line application, verify the credit loan limit of the corresponding grade.

3. Issuance of loan certificate. Take households as the unit, and each household has one certificate.

4. Loan application. When farmers apply for loans, they can apply for loans within the credit line with their loan certificates and valid ID cards (or household registration books).

5. Loan issuance. After receiving the application for loans from farmers, the rural credit cooperatives sign a contract after being reviewed by the credit counter staff (or the doorman staff), fill in the loan receipt, and farmers can use the loans according to the regulations.

6. Repay on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.

Two, to apply for loans to rural credit cooperatives need to provide information:

1, loan application signed by the borrower;

2. The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife of the borrower;

3. Property * * * Someone agrees with the loan opinion;

4. The borrower's husband and wife's occupation, income certificate, family property status and other information (work certificate, bank account, property certificate, vehicle driving license, etc.). );

5. Proof of the borrower's stable residence (real estate license and water, electricity, gas and other documents in the last three months);

6. Loan contract.

The difference between rural credit cooperative loans and private lending

Although loans from rural credit cooperatives and private lending are both lending behaviors, they are essentially different. The most fundamental difference is that the loans of rural credit cooperatives are protected by national laws. If the interests of borrowers are infringed, they can safeguard their legitimate rights and interests through legal channels. But private lending is different, and the protection of private lending by law is conditional. For example, the interest rate of private lending exceeds four times that of similar loans of banks, and the excess is not protected by law.

The reference materials are as follows: Baidu Encyclopedia: Loans from Rural Credit Cooperatives