(1) Firmly establish the awareness of serving agriculture, rural areas and farmers, and solidly promote the credit rating of small-scale agricultural loans. First, strengthen the awareness of serving agriculture, rural areas and farmers based on the community, strictly implement the work arrangements of provincial associations, and comprehensively promote the evaluation of small-scale agricultural loans. In doing a good job in evaluation, we should strive for the support and cooperation of the village-level team, explain the conditions of credit users to the village-level team, fully negotiate with the village-level team, and set up a credit rating preliminary evaluation team composed of village-level team leaders, credit personnel of credit cooperatives, farmers and members' representatives to be responsible for the preliminary evaluation of the credit ratings of farmers, individual industrial and commercial households, private enterprises and private enterprises in the village. Set up an evaluation team in the credit cooperatives, which is responsible for reviewing and evaluating the results of the initial evaluation team of credit rating. In the review and evaluation, fully listen to and respect the opinions of the village-level team, and reasonably evaluate the level of farmers according to their production and operation ability and social credit. Second, according to the evaluation results, issue loan certificates, set up micro-credit counters in credit cooperatives, simplify loan procedures, and handle micro-loans at any time by back office staff according to the evaluated credit limit, so as to make it no longer difficult for farmers to lend.

(2) Vigorously carry out the rural credit creation project, actively cultivate honest and trustworthy civilized rural customs, and implement the credit principle of "rating first, then granting credit, then using credit" for small-scale agricultural loans, and on the basis of credit rating, speed up the evaluation of civilized credit farmers, civilized credit villages and civilized credit towns, and strive to achieve phased results, maintain good social credit and create a good financial development environment. In the process of establishment, we should combine the activities of "creating evaluation" and "setting an example of civilized credit farmers" carried out by the Civilization Office of the municipal government, rely on the support of local party committees, "civilized credit villages (groups) and the government, give credit support to civilized credit users with preferential loans, preferential interest rates and high-quality services, impose credit sanctions on untrustworthy users, vigorously advocate the social atmosphere of" keeping promises with honor and breaking promises with shame ",cultivate honest and trustworthy civilized rural customs and cultivate quality. Fundamentally change the social atmosphere, purify the credit environment, and create a good external environment for rural credit cooperatives to expand credit business.

(3) innovate credit business varieties in a timely manner, and strive to meet all kinds of credit needs arising from rural economic development. Rural credit cooperatives should actively seek business opportunities and seize the market in the upsurge of rural economic development and new rural construction. The first-level legal person association should select professionals with high professional quality and rich theoretical knowledge to set up credit product expansion and promotion groups, often go to the countryside to carry out research activities, actively participate in the investigation of large loans by the customer department, and innovate credit products in time according to customer needs put forward by grass-roots cooperatives, and actively promote them after reporting to the provincial association for the record. Last year, our county union set up a credit product research and development promotion group, and combined with the actual situation of our county rural credit cooperatives, developed a series of credit products to meet the actual needs of society, and achieved good results. Among them, the introduction of the pledge loan of automobile certificate of Saichenghu Credit Cooperative has met the problem that local automobile manufacturers have no collateral, not only managed risks, created benefits, but also met customer needs, creating a new situation of "win-win" between banks and enterprises.

(4) guide the establishment of credit intermediaries, effectively solve the problem of small and medium-sized enterprises' loans without collateral, actively get in touch with the government, establish various guarantee entities and credit intermediaries under the guidance and promotion of the government, open basic accounts in rural credit cooperatives and deposit them in guarantee funds, and the credit intermediaries will provide guarantees for small and medium-sized enterprises with shares, effectively solving the problem of small and medium-sized enterprises' loans without collateral. Small and medium-sized enterprises that have invested in credit intermediaries have been strictly examined by the guarantee institutions when they buy shares and apply for loans, and the rural credit cooperatives have been checking the loans at different levels, which not only solves the problem of corporate loans, but also effectively prevents credit risks and truly realizes win-win and multi-win.

(5) Efforts should be made to improve the management awareness of private owners and earnestly carry out the pilot activities of establishing the same body of credit. In carrying out their work, rural credit cooperatives should promptly follow up the ideas of the county party committee and the county government on accelerating the development of agricultural industrialization, establish exchange and interaction mechanisms, and form an overall joint force. The government takes the lead in setting up all kinds of business development training courses, focusing on improving the management ideology of private owners, leading agricultural development with modern concepts, cultivating the overall awareness and overall situation of private owners, and eliminating the "small farmers" consciousness in their thoughts. On this basis, choose one or two towns with good economic development and active business ideas to do a good job in the pilot activities of establishing various trade associations and credit associations, and spread them out from point to point.

(6) speed up the reform of the management of rural credit cooperatives, and fully support gold customers to enlarge and strengthen the large credit demand for the developed gold customers. First, from the perspective of the future, it is necessary to speed up the establishment of rural credit cooperatives from a county-level legal person to a unified legal person in the province, and solve the large credit demand from the management system; Second, proceed from reality, establish a syndicated loan system, clarify the rights and obligations, responsibilities and interests among members of the syndicate, provide timely credit support to gold customers with controllable risks within their jurisdiction, establish a new image of credit cooperatives in society, and strive to expand the survival and development space of enterprises and themselves.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.