Legal analysis: the micro-credit loan for farmers is a micro-credit loan issued by credit cooperatives with the credit standing of farmers as the guarantee within the approved quota and period. Farmers' micro-credit loans adopt the management mode of "one-time approval, borrowing and using, balance control and revolving use". Farmers' micro-credit loans use farmers' loan certificates. The loan certificate is based on farmers, and each household has one certificate, which shall not be rented, lent or transferred. For the farmers who have approved the loan amount, within the time limit and amount, the farmers will apply for loans to the credit cooperatives with loan vouchers, household registration books or ID cards, or the credit staff of the credit cooperatives will directly distribute them to the farmers' homes according to the requirements of the farmers, and fill in the IOUs one by one. Credit cooperatives shall establish a registration ledger with households as the unit, and change the ledger according to changes. The record of the loan voucher must be consistent with the subsidiary ledger of the credit union. In case of any inconsistency, the IOU shall prevail. Farmers who arbitrarily change the purpose of loans, lease, lend or transfer loan vouchers should immediately cancel their qualifications for micro-credit loans. After the loan is issued, credit personnel should often go deep into farmers to understand and master the production and operation of farmers and the use of loans, and strengthen post-loan management. The loan officer shall be responsible for the authenticity of the inspection materials provided to the credit evaluation team.

Legal basis: Article 63 of the Promotion Law of Rural Revitalization in People's Republic of China (PRC), the state comprehensively applies fiscal and financial policies and measures to improve the government financing guarantee mechanism, improve the rural assets mortgage guarantee ability according to law, and improve and strengthen financial support and services for rural revitalization. The agricultural credit guarantee institutions established by the financial contribution mainly serve the business entities engaged in agricultural production and directly related to agricultural production.