Relatively speaking, loans from rural credit cooperatives are easier to obtain than those from state-owned banks such as ICBC and China Construction Bank. The loans of rural credit cooperatives are mainly to support the financial problems encountered by farmers in their production and operation. Mainly based on rural credit, rural credit cooperative loans generally require the lender to have a fixed residence within the jurisdiction of the rural credit cooperative. The lender must be the head of the rural family, and the lender has no bad credit record and good personal credit. Moreover, the loans of rural credit cooperatives are mainly used for the operation of sound agricultural fields such as agriculture, forestry, animal husbandry or fishery. Of course, non-agricultural production and business activities such as commerce, construction, transportation and waiters are also acceptable.