"Rich farmers' loan" means that Shaxian Rural Commercial Bank issues funds to farmers according to their credit rating to solve their production, operation and consumption needs. According to the types of guarantees and counter-guarantees provided by farmers, "Fu Nong Loan" includes five seed products: Fu Fang Loan, Futian Loan, Fu Lin Loan, Fu Credit and Fu Poverty Loan.

Compared with village-level financing guarantee funds, "rich farmers' loans" are mainly credit, supplemented by counter-guarantee of agricultural rights. For farmers with good credit, low asset-liability ratio and sufficient collateral, the capital can be enlarged by 6 times to 10 times, and the loan amount can be increased; The loan period is extended to 3 years, and there is no need to refinance every year.

"Rich farmers' loans" shall be accurately filed first, and then the credit shall be rated. After filing and rating, farmers can apply online, help themselves with their mobile phones, and get loans without leaving home.