1. Farmers' loans refer to all kinds of RMB loans issued by rural credit cooperatives to eligible farmers in the service area for production, operation and consumption. The types of farmers' loans mainly include farmers' planting loans, farmers' planting loans and farmers' loans from other industries. The loan targets are general contractors and professional households. The management of farmers' loans by banks should adapt to the characteristics of decentralized management of family economy. In terms of the use, quantity, term and conditions of loans, banks should adjust measures to local conditions, grasp flexibly, and meet the liquidity needs of individual agricultural operations as much as possible.
2 loan conditions refer to the conditions that a borrower or individual should have to borrow from a bank. At present, the loan conditions of Chinese-funded banks are as follows: approved by the competent department, holding a business license issued by the administrative department for industry and commerce at or above the county level. The enterprise should obtain the production license of the products implemented by the national industrial product production license, that is, the loan object is legal; The implementation of independent economic accounting, with the autonomy of capital use, production and operation, that is, the loan object has obtained the legal person qualification, and the economic responsibility is clear; Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks; When opening an account in a bank, submit financial and accounting statements and statistical data to the bank on time, that is, the loan object is supervised by the bank.