(1) Loan amount: The loan amount of professional cooperatives and their members should be reasonably determined according to their credit status, assets and liabilities, comprehensive repayment ability and operating efficiency. The loan amount of farmers' professional cooperatives shall not exceed 70% of their net assets in principle.

(2) Loan term: In principle, the loan term of farmers' professional cooperatives shall not exceed 1 year, and the loan term of members of farmers' professional cooperatives shall not exceed 2 years.

(3) Loan interest rate: The benchmark loan interest rate announced by the People's Bank of China and the interest rate policy with floating range stipulated by the rural credit cooperatives are determined by the rural credit cooperatives, and the specific preferential range is determined according to local conditions. Members of farmers' professional cooperatives do not enjoy preferential interest rates if their business projects exceed the business scope stipulated in their cooperative articles of association.

(4) Guarantee mode: The loans of farmers' professional cooperatives are guaranteed, mortgaged or pledged. Loans to members of farmers' professional cooperatives are provided by "farmers' joint guarantee+mutual fund guarantee", "farmers' joint guarantee+farmers' professional cooperative guarantee" or other guarantee methods.