First of all, we need to know the nature of the enterprise. Secondly, we need to know whether the Agricultural Development Bank has any other loan balance. The State Council's opinion (Guo Fa [2004] 17) on whether it is possible to borrow money from commercial banks is very clear: (17) The Agricultural Development Bank should ensure the national grain reserve and the government's demand for credit funds to regulate grain. The funds needed for central grain reserves and provincial grain reserves shall be guaranteed as planned. For the funds needed by local governments to regulate the supply and demand of local grain markets, loans will be provided in full and on time on the premise of implementing relevant expenses, interest and price difference subsidies. For the state-owned grain purchase and sale enterprises that have opened accounts in the Agricultural Development Bank, including those that have implemented the original loan debt after restructuring, have the loan conditions and continue to engage in grain business, they should decide to issue loans for purchasing funds according to their risk tolerance. At the same time, the Agricultural Development Bank can provide loan support to leading grain industrialization enterprises and other grain enterprises with grain purchasing and storage qualifications according to their risk tolerance. (eighteen) commercial banks should also actively support grain production and operation, and provide loan support to all kinds of grain enterprises and operators that meet the loan conditions.

So, first of all, if you don't have a loan in the Agricultural Development Bank, and you can't get a loan in the Agricultural Development Bank in the future, you can take out your basic deposit account in the Agricultural Development Bank and open a commercial bank that can lend. Second, if you still have loans in the Agricultural Development Bank, it depends on whether it is policy or quasi-policy. If there is only a policy loan, you can withdraw cash in basic account. The Agricultural Development Bank has no reason and will not stop you from withdrawing cash. If you still owe quasi-policy loans, according to the principle of buying loans and selling them back, your funds have passed through basic account, and the Agricultural Development Bank will definitely prevent cash withdrawal and transfer. If it is a loan from a leading enterprise in grain and oil industrialization, it can be used for turnover before the loan expires. If there is no risk in the production and operation of enterprises, the Agricultural Development Bank will not stop withdrawing cash, and the risky Agricultural Development Bank will stop.