There are two main ways of farmers' loans: farmers' joint insurance loans and farmers' micro-credit loans. Three or five farmers form a joint guarantee group to guarantee loans to each other, and the loan amount is higher than that of micro-credit loans.

Credit cooperative loans are mainly rural credit. Generally, the lender is required to have a fixed residence in the rural credit cooperative area. The lender must be the head of a rural household, and the lender has no bad credit record and good personal credit. Moreover, the loans of rural credit cooperatives are mainly used for the operation of sound agricultural fields such as agriculture, forestry, animal husbandry or fishery.