1. Farmers' microfinance requires borrowers to be married, and merchants' microfinance requires borrowers to have a business license and have been operating normally for more than half a year.

2, with full capacity for civil conduct, good health, with labor production and management capabilities.

3. Family members with two jobs, aged between 18 and 60.

4. Have a local hukou or have lived in the local area for one year.

5. Need to provide 1 to two natural persons for guarantee. The guarantor requires civil servants, teachers, doctors and other people with stable income, or form a joint guarantee team of 3 to 5 households. ?

6. Have a stable business place. ?

7. Conditions for farmers' joint guarantee loan: Three farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees.

8. Conditions for farmers' guaranteed loans: As long as one or two farmers (the number depends on the loan amount) have a fixed job and a stable income as their loan guarantors, they can apply for loans from the Postal Savings Bank, and the maximum loan amount for each farmer is temporarily 50,000 yuan.

9. Conditions for merchants' joint guarantee loan: It means that three individual industrial and commercial households or sole proprietorship business owners with business licenses form a joint guarantee team, and they can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).