Rural financial institutions should establish a reasonable control mechanism for the borrower's income and debt repayment ratio, and reasonably determine the repayment method of farmers' loans. According to the loan type, term and the borrower's cash flow, the repayment method of farmers' loans can adopt the methods of repayment of principal and interest by installments and repayment of principal by installments. Loans with a term of more than one year shall not be paid by principal in principle, so item A is wrong and items B and D are correct. The farmer loan encourages the lender to pay the borrower's transaction object in the form of entrusted payment, so item C is wrong. Rural financial institutions should reasonably determine the loan term according to the production cycle, sales cycle and comprehensive repayment ability of the loan project, so item E is correct.