There are risks. The loan signer and the borrower jointly bear the responsibility for the debt. The loan signer needs to repay the loan together with the borrower. If the main lender is unable to repay the debt or does not repay it on time, the loan signer is obliged to repay the loan. So there's a lot of risk. Farmer loans refer to various types of RMB loans issued by rural credit cooperatives to farmers who meet the loan conditions in the service area for production, operation, consumption, etc.