The characteristics of credit cooperatives' loans The main business of credit cooperatives is rural credit, and its business processes and technical operations are basically the same as those of national specialized banks. Therefore, the systems and measures of national specialized banks on rural credit management are equally applicable and binding in credit cooperatives. However, because the nature, status and role of credit cooperatives are different from those of national professional banks, they have their own characteristics in the specific operation of loans: (1) The loan targets of credit cooperatives in a broad sense involve all kinds of ownership and various fields in rural areas, including: 1. Contractors, specialized households and rural cooperative business units engaged in agriculture, forestry, animal husbandry, sideline and fishery. 2. Township (town) offices, village offices, organization offices, household registration offices and various forms of joint ventures or new economic complexes that have been approved by relevant departments to implement independent accounting. 3. There are rural cultural, educational, health and scientific research institutions that guarantee operating income and repayment. [ 1]
4 rural individual economic households and economic associations engaged in handicrafts, commerce, transportation, construction and service industries with the approval of relevant departments. In addition, credit cooperatives with strong financial strength can also provide loans to enterprises and institutions within the credit scope of national specialized banks. Of course, due to the nature of credit cooperatives, the focus of their loan support is agricultural production, and others can only support according to their abilities on the premise of meeting the demand for agricultural production funds. [ 1]
(II) Flexibility of loan operation The flexibility of loan operation of credit cooperatives means that credit cooperatives independently operate credit business under the guidance of the policies, decrees and plans of the party and the state, give full play to the role of private lending, and induce the rational flow of rural funds. The regionality of loan investment Because credit cooperatives are cooperative financial organizations established by farmers and rural collective economic organizations in a certain region, the service scope must ensure the capital demand of farmers' production and life in this region and support the economic development in this region. In addition, credit management is a special form of monetary movement, a lending activity of credit cooperatives to provide monetary funds to customers according to certain conditions such as interest rate and repayment period, and a process of social capital redistribution. Therefore, it is bound to be restricted by local economic conditions, financial strength, management level and even cultural quality, which makes the loan fund movement of credit cooperatives have obvious regional characteristics.