问 :随着农村经济的不断发展 ,农民已逐步懂得了借鸡生蛋的道理 ,不少人想到银行和信用社贷款来致富 ,却不知如何申办 ,不知有哪些贷款种类可以选择？河北刘义答 :申办贷款 ,首先要向当地农业银行或信用社写出书面申请 ,写明贷款用途、贷款金额、还款来源、还款时间、担保单位 Q: With the continuous development of rural economy, peasants have gradually learned the truth of borrowing eggs and chickens. Many people think that getting loans from banks and credit unions will make me rich. However, I do not know how to apply for such loans. I wonder if the types of loans can be chosen? Hebei Liu Yi A: To apply for a loan, we must first write a written application to the local agricultural bank or credit union, specifying the purpose of the loan, the loan amount, the source of the repayment, the repayment time, the guarantee unit