Need to be approved by the Human Resources and Social Security Bureau. Discount loans of rural credit cooperatives generally need the approval of the Human Resources and Social Security Bureau. The loan approval authority of rural credit cooperatives is generally below 6,543,800 yuan, and loans exceeding 6,543,800 yuan need to be approved by higher authorities. Therefore, if the loan amount is below 6,543,800 yuan, it needs to be approved by the Human Resources and Social Security Bureau. The basic conditions of rural credit cooperatives' loans: the enterprise legal person license or business license is valid; Open a basic account or general account in a credit cooperative; Policy: The business activities of enterprises comply with national laws and regulations. The loan object must meet the requirements of China People's Bank and rural credit cooperatives; There is no loan relationship in other banks or credit cooperatives. Enterprises must borrow in a credit cooperative, and there is no problem of multi-head loans; Enterprises should operate within the jurisdiction of credit cooperatives that issue loans, and may not lend across regions.