The villagers can only get loans on their own credibility. According to the audit data of Tongxiang Sanxin agricultural loan, the audit condition of Tongxiang Sanxin agricultural loan is that villagers can get loans only by their own reputation. Tongxiang City is located in the northern part of Zhejiang Province, in the hinterland of Hangjiahu Plain, and belongs to Jiaxing City. Yu 1985 was included in the first batch of open counties (cities) in China.