Inclusive agriculture-related loans refer to small loans for rural areas and farmers, with low interest rate and long loan term, which are suitable for the characteristics and needs of rural economic development. Discounting refers to a financing method in which banks discount the unexpired commercial bills or bank acceptance bills held by customers in a certain proportion to obtain cash in advance. Inclusive agriculture-related loans, including interest subsidies, mean that banks discount the unexpired loans of inclusive agriculture-related loans in order to obtain certain liquidity.

The existence of inclusive agricultural loans, including interest subsidies, can help banks obtain funds in advance and meet the liquidity needs of bank funds; On the other hand, it can also promote banks to issue inclusive agriculture-related loans more actively and provide financial support for rural economic development. At the same time, inclusive agricultural loans, including interest subsidies, can also provide more flexible repayment methods for rural customers who need capital turnover and help them better carry out production and business activities.

For rural customers, when applying for inclusive agriculture-related loans, we should not only pay attention to the loan interest rate, term and other conditions, but also know whether the bank provides discount service, so as to choose the appropriate way in capital turnover. For banks, it is necessary to reasonably determine the loan interest rate and term according to the credit status of customers and the purpose of loans, and discount them according to the demand of funds to realize the effective operation of funds.