1. An agricultural enterprise shall first submit a written loan application to the financial institution where the enterprise is located. After receiving an application from an enterprise, a financial institution will conduct a preliminary investigation on the subject qualification, basic situation, business scope, financial status, credit rating, development prospect, capital demand and repayment ability of the enterprise to determine whether the customer has the basic conditions for loan, put forward opinions on whether to accept it and reply to the enterprise.

2. For accepted loans, financial institutions will require enterprises to provide business licenses, loan certificates, tax registration certificates, articles of association, financial and accounting reports for the last two years and the last month, and other relevant basic information stipulated by the Agricultural Development Bank.

3. On this basis, loan investigation and evaluation, loan review, deliberation and approval will be organized. For the approved loan, a formal contract will be signed with the enterprise, and the loan will be issued according to the progress of the enterprise.

4. After the loan is issued, financial institutions will carry out post-loan management according to relevant regulations, and enterprises should actively cooperate in accordance with the contract.