There are two forms of guarantee for postal microfinance, natural person guarantee and joint guarantee.

1, guaranteed by natural person

A natural person secured loan requires 1-2 natural persons with compensatory ability to provide guarantee.

2. Joint guarantee

Farmers need 3-5 farmers to guarantee loans, and merchants need 3 merchants to form a joint guarantee team.

? Guarantee condition

Guarantee that the loan guarantor must have a fixed occupation or a stable income.

1, double guarantee

Two people guarantee that one of them must be a civil servant, a teacher, a doctor, a public institution or a formal employee of a large and medium-sized enterprise.

3. Joint guarantee

A joint guarantee form can be composed of 3-5 lenders, who bear joint liability.