The mortgage loan of rural land contractual management right refers to the loan business that the borrower applies to the Agricultural Bank with the rural land contractual management right and the ground attachments as collateral without changing the nature of land ownership and contractual rights and the agricultural use of rural land.

The object of mortgage loan for rural land contractual management right is agricultural business entities such as large professional households, family farms, farmers' cooperatives, agricultural enterprises and family contracted farmers who rely on rural land for agricultural production and management.

In addition to meeting the basic conditions of the Agricultural Bank's credit system and personal credit products, the loan applicant shall also meet the following conditions:

(1) It has rich experience and technology in planting and breeding, in which it has been engaged in agricultural planting production and operation for more than 2 years and aquaculture production and operation for more than 3 years.

(2) The proportion of self-owned funds engaged in agricultural production and operation projects shall not be less than 30%.

(3) Field crop planting. The planting area of rice, wheat, corn, soybean and other food crops shall not be less than 100 mu, and the annual return area shall not be less than 50 mu; The planting area of cash crops such as cotton, vegetables and lotus root is not less than 50 mu.

(4) Aquaculture. The intensive culture area of fish ponds and cages is not less than 50 mu, and the free-range culture area of lakes and reservoirs is not less than 500 mu.

(5) Facility agriculture and characteristic agriculture. Take greenhouses and other facilities for agricultural production and management, and engage in characteristic agriculture such as fruits, flowers, seedlings and ginseng, with a planting or breeding area of not less than 5 mu.

(six) to obtain the contracted management right of rural land for agricultural production and operation by household contract, the access conditions for planting or breeding area can be 50% of the standards in the third to fifth paragraphs above.