1. Farmers should first apply for loan certificates from local rural credit cooperatives.

2 rural credit cooperatives after receiving the application, the applicant's credit rating is evaluated, and according to the credit rating after evaluation, the credit loan amount of the corresponding grade is approved, and loan vouchers are issued.

3 farmers need small credit loans, you can hold the "loan certificate" and valid identity documents, directly apply to the rural credit cooperatives.

4 rural credit cooperatives shall, when receiving loan applications, review the purpose and amount of loans, and issue loans only after passing the examination.

2. Documents required for loan:

My household registration book, marriage certificate, ID card and its copy, loan certificate. Guarantor's ID card and photocopy. Photos of the whole family and the guarantor.

3. Precautions for loans: According to the current regulations, only agricultural production expenses such as planting and aquaculture can be loaned; Agricultural machinery loan; Only by focusing on agricultural pre-production, mid-production and post-production service loans and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school can farmers use micro-credit loans.