2. Credit officers investigate farmers' demand for production funds and household income, grasp the borrower's credit status, and put forward preliminary opinions.

3. The credit rating team shall determine the loan amount and issue the loan certificate according to the information provided by the credit personnel and representatives of local members or villagers' committees.

4. The credit rating of farmers is divided into excellent, good and general credit rating.

The standard of "excellent" grade is: ① Borrow from credit cooperatives within three years and repay the principal and interest on time, with no bad record; (2) The annual per capita net income of the family is more than 2,000 yuan; ③ Self-owned funds account for more than 50% of the funds needed for production.

The criteria for the "better" grade are: ① having a stable and reliable source of income and basically not owing loans; ② The annual per capita net income of families is above 654.38+10,000 yuan.

The standard of "general" grade is: ① families have basic labor force; ② The annual per capita net income of families is above 500 yuan.

(Standards vary from place to place)

5. For the farmers who have approved the loan amount, within the time limit and amount, farmers can apply for loans from credit cooperatives with loan vouchers, household registration books or ID cards.

6. About interest rates

The term of micro-credit loans for farmers is determined according to the cycle of production and business activities, and in principle it shall not exceed one year. If the harvest is refused due to serious natural disasters, the return can be postponed.

The loan shall be given appropriate preferential treatment according to the benchmark interest rate and floating range announced by the People's Bank of China. The interest settlement method of a loan is the same as that of a general loan.