In the service area of rural credit cooperatives, enterprises (legal persons), other economic organizations, individual industrial and commercial households or natural persons with China nationality and full capacity for civil conduct approved and registered by the administrative department for industry and commerce may apply for loans from local rural credit cooperatives, and the loan targets of rural credit cooperatives are. To apply for a loan from a rural credit cooperative, the borrower should have the following basic conditions: marketable products, profitable production and operation, no misappropriation of credit funds, and abiding by credit, and meet the following requirements: the ability to repay the principal and interest on time. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made; Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures; Basic account or general deposit account has been opened in the lending institution, and a certain amount of payment deposit has been reserved in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis; To apply for guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate, and it must be commercialized and easy to realize; The borrower's asset-liability ratio shall not be higher than 70%; To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and the proportion of self-raised funds must meet the requirements of the State Council, and at the same time, complete, standardized and effective documents must be submitted according to the requirements of project management; Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets; The borrower must apply for a loan card according to the regulations of the People's Bank of China, and go through the annual inspection procedures according to the regulations.