The establishment of the joint guarantee group shall apply to the lender, and all members shall jointly sign a joint guarantee agreement with the lender after approval by the lender. The UNPROFOR team was established on the date of signing the UNPROFOR agreement. The validity period of the joint guarantee agreement shall be determined by the borrower and the borrower through consultation, which is generally one year, but the longest period shall not exceed three years. After the Joint Guarantee Agreement expires, it can be renewed with the consent of the lender. The loan term of each household in the joint guarantee loan is reasonably determined according to the borrower's production, business activities and living expenses, but the longest period shall not exceed the period agreed in the joint guarantee agreement. The loan funds of the joint guarantee loan are mainly used for the funds needed by the members of the joint guarantee team for normal production and business activities. Including: ① loans for agricultural production expenses such as planting and aquaculture; (2) processing, manual, commercial and other self-employed loans; 3 consumer loans; (4) student loans;