The conditions of individual microfinance of rural credit cooperatives are \x0d\ 1, and the applicant has legal status; \x0d\ 2。 Farmers are farmers within the jurisdiction of credit cooperatives; \x0d\ 3。 The applicant has full capacity for civil conduct; \x0d\ 4。 The applicant or family members have the ability to work, produce or operate; \x0d\ 5。 The applicant has a stable economic income; \x0d\ 6。 The applicant has good credit and the ability to repay the principal and interest of the loan; \x0d\ 7。 Other conditions stipulated by rural credit cooperatives. \x0d\\x0d\ Materials required for individual micro-loans of rural credit cooperatives \x0d\ 1. Personal loan application form truthfully filled out by the borrower; \x0d\ 2。 The borrower's valid identity certificate (refers to the resident identity card, household registration book, etc.). ); \x0d\ 3。 Farmers' loans need a description of family property; Legal and stable income certificate or income certificate issued by the unit or neighborhood Committee where the borrower and his urban resident spouse work; \x0d\ 4。 Valid identity certificate and photocopy of the property owner * * *; \x0d\ 5。 In case of guarantee, provide the credit certificate of the guarantor and the certificate that the guarantor agrees to guarantee; \x0d\ 6。 In case of mortgage or pledge, a list of mortgaged (pledged) goods, a certificate that the dispossessor agrees to mortgage (pledged), a certificate of ownership or right to use the mortgaged property, a certificate of pledge, an asset appraisal report and necessary insurance certificates shall be submitted; 7. Other materials that need to be provided. \x0d\\x0d\ Personal microfinance process of rural credit cooperatives \x0d\ (1) Credit rating of farmers. Mainly according to the basic situation of farmers, assets and liabilities, production and operation, reputation and other indicators to evaluate. The credit rating of farmers is divided into three grades: excellent, good and general. \x0d\ (2) Approve the credit line of farmers. Rural credit cooperatives shall, according to the results of farmers' credit rating, farmers' capital demand and credit line application, verify the credit loan limit of the corresponding grade. \x0d\ (3) Issuance of loan certificate. Take households as the unit, and each household has one certificate. \x0d\ (4) Loan application. When farmers apply for loans, they can apply for loans within the credit line with their loan certificates and valid ID cards (or household registration books). \x0d\ (5) Loan issuance. After receiving the application for loans from farmers, the rural credit cooperatives sign a contract after being reviewed by the credit counter staff (or the doorman staff), fill in the loan receipt, and farmers can use the loans according to the regulations. \x0d\ (6) Repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.