1. Problems: the loan security conflicts with the agricultural production risk, the credit guarantee mode and the safe operation of funds are very difficult, and farmers' understanding is biased, which makes the moral hazard of farmers' micro-credit loans more prominent, and the small-scale decentralized business model has defects. The operation mode is limited, the credit team is weak, and the promotion of micro-credit loans for farmers lacks sufficient motivation.

2. Countermeasures: Optimize farmers' information resources, establish farmers' credit system, give full play to the role of village committees of rural grass-roots party branches, promote the construction of credit villages (towns), constantly enrich and improve the operation methods of farmers' micro-credit loans, attract more farmers with preferential policies, and inject vitality into farmers' micro-credit loans.