Compared with industrial and commercial loans, its main characteristics are: 1 and the term is longer. Agricultural production cycle is long, and capital turnover is slower than that of industry and commerce. Therefore, the term of agricultural loans is also longer than that of industrial and commercial loans.

2. Low interest. Agricultural production is greatly influenced by natural conditions and has great risks; At the same time, the agricultural situation has a great influence on the development of the whole national economy.

Therefore, in order to achieve social stability, many governments have implemented policies to encourage and support low-interest agricultural loans. Agricultural producers' own credit cooperatives also implement the principle of low interest loans, and some are subsidized by the government to provide interest-free loans.