Legal analysis: The conditions and processes of micro-loan of rural credit cooperatives are as follows: (1) Conditions of micro-loan of rural credit cooperatives: 1. The applicant has legal status. 2 farmers are farmers within the jurisdiction of credit cooperatives. 3. The applicant has full capacity for civil conduct. 4. The applicant or family members have the ability to work, produce or operate. 5. The applicant has a stable economic income. 6. The applicant has good credit and the ability to repay the principal and interest of the loan. 7. Other conditions stipulated by rural credit cooperatives. (2) Microfinance process of rural credit cooperatives: 1, credit rating of farmers. Mainly according to the basic situation of farmers, assets and liabilities, production and operation, reputation and other indicators to evaluate. The credit rating of farmers is divided into three grades: excellent, good and general. 2, approved the credit line of farmers. Rural credit cooperatives shall, according to the results of farmers' credit rating, farmers' capital demand and credit line application, verify the credit loan limit of the corresponding grade. 3. Issuance of loan certificate. Take households as the unit, and each household has one certificate. 4. Loan application. When farmers apply for loans, they can apply for loans within the credit line with their loan certificates and valid ID cards (or household registration books). 5. Loan issuance. After receiving the application for loans from farmers, the rural credit cooperatives sign a contract after being reviewed by the credit counter staff (or the doorman staff), fill in the loan receipt, and farmers can use the loans according to the regulations. 6. Repay on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.

Legal basis: Article 5 of the Interim Measures for the Administration of Micro-credit Loans of Rural Credit Cooperatives: Conditions for borrowers of micro-credit loans of credit cooperatives:

(a) farmers or self-employed households in the community have full capacity for civil conduct;

(three) engaged in land cultivation or other production and business activities in line with national industrial policies, and have reliable income;

(four) a family member must have a labor force engaged in labor production or business.