(1) Loan application process and audit publicity: (1) Farmers and farmers' market operators submit applications and related materials to the town people's government; (2) The Town People's Government conducts a preliminary examination of the submitted loan demand, and reports the application materials and preliminary examination opinions to the county promotion group office; (III) The office of the county promotion group shall convene the county agricultural and rural bureau, the county forestry bureau, the county fruit bureau and the county poverty alleviation office to examine and confirm the industrial projects declared by farmers and farmers' market operators according to their departmental functions. In principle, a review meeting will be held once a week; (4) If there is no objection to the loan application, the county promotion group office will send the list of eligible loans back to the town people's government, and publicize it at the county, town and village levels (including the list of lenders, loan amount, loan purpose and other factors) for not less than 3 days; (5) After the expiration of the publicity at the county, town and village levels, the county promotion group office shall submit the loan application and joint examination confirmation opinions to the cooperative bank.

(2) loan approval and issuance: cooperative banking institutions shall complete the pre-loan investigation and review within 3 working days after receiving the loan application and the joint review confirmation opinions; If the information is complete, the loan approval shall be completed within 3 working days, and the approval opinions shall be issued to clarify the purpose, amount, term, interest rate and repayment method of the loan; After the loan is approved, the cooperative bank will sign a loan contract with the borrower within 2 working days and issue the loan according to the borrower's willingness to use the money.

(III) Loan filing: After the cooperative bank issues the loan, it shall summarize the loan issuance of last month to the municipal and county agricultural and rural bureaus and county finance bureaus for filing before the 5th of the following month.

(4) Post-loan supervision: the cooperative bank will jointly supervise the use of post-loan funds with the county agricultural and rural bureau, county forestry bureau, county fruit bureau and towns to ensure that the borrower will use the loan for the development of agricultural industry; At the same time, all relevant departments should give full play to their professional advantages, guide borrowers to rationally plan industrial development, and enhance their production and operation capabilities.

(5) Repayment due: Within 30 days before the loan expires, the cooperative bank will send a reminder of repayment due to the borrower through SMS, telecom and WeChat. The Borrower shall fulfill the due repayment obligations in strict accordance with the requirements of this Contract.

In recent years, with the increasing number of farmers, the scale and specialization of agriculture are constantly improving, and the demand for loans is also increasing. Jiangxi Branch of China Construction Bank innovatively launched the "Jiangxi Agricultural Revitalization Loan", adopted the new cooperation mode of "Internet plus silver burden", and effectively reduced the rate by using new financial technology, which is a new measure to solve the financing difficulties of agriculture, rural areas and farmers and revitalize water conservancy finance.