2 farmers' joint guarantee loans are managed by individual application, multi-household joint guarantee, recycling, joint and several liability and installment repayment. It is a kind of loan set up to solve the difficulty of farmers' loan and guarantee, and farmers voluntarily form a joint guarantee group to guarantee each other; Used for farmers except small credit loans, mortgage loans and loans that are difficult to implement. The basic principle of farmers' joint guarantee loan is: "multi-household joint guarantee. Total amount control, repayment on schedule. "