1. Small natural person loans issued to individual members of rural households. Only one family member of each farmer household can apply for a farmer loan.

2. Loan purpose: Farmers’ small loans are used to meet their production and living financing needs.

3. Loan conditions:

(1) Be over 18 years old (including 18 years old), and the sum of age and loan period when applying for a loan shall not exceed 65 (including 65) ; Have a fixed residence in a rural area, be in good health, have full capacity for civil conduct and labor, and hold a valid identity document.

(2) According to the "Agricultural Bank of China's "Agricultural Bank of China" Customer Credit Rating Management Measures", the customer's credit rating result is general grade and above.

(3) Should have stable income and the ability to repay the principal and interest of the loan on time.

(4) The production and business activities conducted shall comply with national laws, regulations and industrial policies.

(5) Be of good character and have no overdue loan repayments when applying for a loan.

(6) Other conditions specified by the lender.

4. Loan amount, term, interest rate and repayment method

(1) The starting point of the credit line for a single farmer household loan is 3,000 yuan, and the maximum is not more than 50,000 yuan (inclusive).

(2) Farm household loans are divided into self-service and recyclable methods.

The self-service recyclable method means that within the approved maximum amount and period, the borrower can borrow and repay at will, and it is mainly used to meet the temporary and short-term working capital needs of farmers;

(3) The loan period for farmers should be determined based on the farmer’s production and operation cycle and comprehensive income.

The term of the revolving loan line shall not exceed 3 years. The term of a single loan within the quota generally does not exceed 1 year.

(4) Rural household loan interest rates: Our bank’s current interest rates are deposit certificates and policy pledge loans, with the lowest benchmark interest rate falling by 10%; effective asset mortgage loans and loans guaranteed by professional guarantee agencies, the lowest benchmark interest rates; Agricultural Bank of China’s high-quality For loans guaranteed by the above customers, the minimum execution benchmark interest rate will increase by 10%;

For other guarantee methods, the minimum execution benchmark interest rate will increase by 20%.

(5) Farmer loan repayment method

For loans with a term of less than one year (inclusive), interest will be paid off along with the principal, and interest will be settled on a quarterly (monthly) basis to repay the principal upon maturity. Repayment method.

5. Farmer loan guarantee methods, including:

(1) Guarantee guarantee method. Including legal person customers, credit guarantee companies, multi-family joint guarantees and other guarantees.

(2) Mortgage guarantee method. Including mortgage guarantees such as real estate.

(3) Pledge guarantee method. Including pledge guarantees such as deposit certificates and insurance policies.

6. Multi-family joint guarantee guarantee method. Borrowers can form a joint guarantee team to apply for a loan in accordance with the principles of "voluntary combination, honesty and trustworthiness, and risk-taking", and the members of the joint guarantee team jointly bear joint and several liability guarantees. The use of multi-household joint guarantee guarantee method must meet the following conditions: First, the joint guarantee team members must be no less than 3 households. Second, there is no direct family relationship between the members of the joint guarantee team, or although they are direct relatives, the members have established separate families and the family property can be effectively distinguished; third, the residences of the joint guarantee team members should be relatively concentrated.

In the case of multi-family joint guarantee, each borrower can only participate in one joint guarantee group. If a member of the joint guarantee team has an overdue loan, new loans to all members of the joint guarantee team will be stopped until the overdue loan is paid off.

7. The borrower must purchase agricultural insurance, personal accident insurance and other insurances. Our bank recommends insuring China Pacific Property & Casualty Insurance Co., Ltd. Taicang Company, which implements "dual operations" of loans and insurance.

8. Farmer loans are subject to a time-limited settlement system. From the date when the loan application materials are complete, the application will be processed within 2 working days for old customers and within 5 working days for new customers.