At present, the loan interest rate pricing of rural credit cooperatives can be summarized into the following five types:

1. Policy pricing: mainly targeted at some poverty alleviation loans, national student loans, and farming and sideline products processing industries in loans from farmers' entrepreneurship guarantee funds. These loans all implement the benchmark interest rate, which accounts for a very low proportion in rural credit cooperative loans.

2. Interest-oriented pricing: mainly for ordinary farmers, individual industrial and commercial households and small and medium-sized private enterprises. The interest rate of such loans is relatively high, and rural credit cooperatives generally rise by more than 50%. Moreover, such loans account for a relatively high proportion in rural credit cooperatives and are the main source of interest income of rural credit cooperatives.

3. Competitive pricing: Gold customers mainly concentrated in service areas are loans actively marketed by rural credit cooperatives. Generally speaking, these enterprises are large in scale, strong in strength, good in efficiency, strong in liquidity and large in settlement of funds, and they are also the targets of financial institutions. The loan interest rates of these enterprises generally do not rise or fall.

4. Preferential pricing: mainly for loans pledged by certificates of deposit of rural credit cooperatives or other financial institutions, loans pledged by bank acceptance bills, and loans whose share in rural credit cooperatives is far greater than the loan amount. The interest rate of such loans generally does not rise by more than 20%, which is commonly known as the "preferential interest rate".

5. Market-oriented pricing: The interest rate of such loans is generally not fixed, and can be adjusted at any time with the change of market conditions, mainly by discounting bank acceptance bills.

What is a micro-credit loan for farmers?

Answer: Small credit loans for farmers are loans granted by credit cooperatives within the approved quota (that is, less than 20,000 yuan) and time limit according to the credit status of farmers, the actual situation of credit cooperatives and the local economic development level.

What conditions should a borrower have?

A: Farmers' micro-credit loans must meet the following conditions:

1. Farmers or individual farmers in the community have full capacity for civil conduct.

2. Strong credit concept and good credit status.

3, engaged in land farming or other breeding business activities in line with national industrial policies, and have a reliable source of income.

4, the family must have the ability to understand the production or management of labor.

What are the provisions on the use and arrangement order of small credit loans for farmers?

A: The purpose and arrangement order of micro-credit loans for farmers are as follows:

1. Loans for agricultural production expenses such as aquaculture and aquaculture are loans for fertilizers, pesticides, seedlings, seeds and feed.

2. Individual and private loans for agricultural production.

3, agricultural machinery loans, for cattle, pumps, threshers and other small agricultural machinery.

4, small-scale irrigation and water conservancy capital construction loans.

What are the procedures for issuing micro-credit loans to farmers?

A: The procedures for granting micro-credit loans to farmers are as follows:

1. Farmers apply for loans from credit cooperatives.

2. The loan officer investigates farmers' demand for production funds and family income, grasps the borrower's credit status, and puts forward preliminary opinions.

3. The credit rating team determines the loan amount and issues the loan certificate according to the information provided by the credit personnel.

4. Farmers can apply for loans to the credit cooperatives once or several times according to the prescribed procedures with the loan certificate within the approved quota.

How is the amount of micro-credit loans for farmers approved?

A: The amount of micro-credit loans for farmers is based on the credit rating of farmers. When evaluating the credit rating and amount, the rating should be based on the opinions of local credit officers or representatives of prestigious members, villagers' groups and information provided by village committees. Different loan quotas should be approved according to different grades, and the maximum amount is 20,000 yuan once a year.