1. Before users apply for loans, credit cooperatives must first evaluate users' credit ratings. Mainly depends on users, assets and liabilities, production and operation, reputation and other basic conditions.

2, credit cooperatives approved the user's credit line. Credit cooperatives shall, according to the user's credit rating results and the user's capital demand, verify the credit loan amount of the corresponding grade.

3. Credit cooperatives issue loan certificates to users.

4. The user submits the loan application. Users also need to bring farmers' loan certificates and valid ID cards to the credit cooperatives.

5. After the credit cooperatives pass the examination, they will issue loans to users. Credit cooperatives should sign contracts and fill in loan receipts after examination by credit auditors, so that users can obtain loans.

6. After receiving the loan, the user must repay it on schedule.