In principle, the loan secured by the Credit Insurance Fund shall not exceed10,000 yuan for a single enterprise, 5 million yuan for small and micro business owners, 2 million yuan for individual industrial and commercial households and 500,000 yuan for farmers. The guarantee period of credit insurance projects is generally not more than 3 years, and the guarantee period of exclusive products supported by policies can be specified separately, but the maximum guarantee period shall not exceed 5 years.

The credit insurance fund risk compensation loan refers to the loan granted by the bank to the enterprises identified by the government department or in a specific list based on the risk mitigation provided by the policy fund (risk compensation fund pool) established by the government department. Credit insurance fund loan is a kind of policy loan, which is compensated afterwards. Other guarantee methods are prior guarantee (guarantee procedures must be fulfilled before lending).