Postal savings micro-loan business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Small loans for farmers are short-term loans granted to farmers to meet their agricultural planting, breeding or production and operation needs. Merchant microfinance refers to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), engaged in production and trade in urban and rural areas to meet their production and operation capital needs of individual industrial and commercial households and urban self-employed.