Usually, the loan understand the trust enjoyed by the person who took on the obligation of future payment from the person who was entitled to the payment, ie trust that the lender will have the debtor.
In lending practices have developed various types of loan transactions, based on which the following types of credit  bellco credit union :

1. Target debt associated with the issuance of loans for production purposes, the accumulation of material assets and the implementation of the production costs. In this case, the credit can be served as a method of lending turnover and lending practices on the balance. Crediting of turnover means that the loan simultaneously follows the movement of cash advances and expenses of the borrower prior to the release of its resources. Loans for the balance based on the relationship between the balance of inventory of the borrower and the costs caused by the need for a loan.
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3. Credit line. This loan is a multipurpose short-term. It is provided to the gap in payment transactions borrower when his financial needs exceed its existing own resources. Cash requirements associated with stockpiling inventory, implementation of production costs, the diversion of current assets in the goods shipped, accounts receivable, as well as the mismatch of the turnover of funds in the individual stages of their movement, etc. Credit line is established for the year based on the borrower's balance sheet data on the placement of working capital and its available sources of. The credit line is the difference between the sum of the different elements of working capital and the amount of own sources of their formation, as well as accounts payable.
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For example, current assets of one of the country farms on the balance sheet at the end of the year to be $ 200 thousand, and the source of their formation - 160 thousand in this case, a line of credit cooperative "Agrocredit" will be 40 thousand

In the practice of the credit cooperative "Agrocredit" there may be some excess payments for the credit. Such excess shall not exceed 10% of the size of the credit line. This kind of credit line called overdraft.

3. Syndicated loans. Agricultural producers need to borrow huge. Issue for a long time a large amount of shareholder challenge for credit cooperative problematic. In addition, large loans carry a higher risk. In these conditions, the actual credit cooperative is partial financing of large-scale activities of their shareholders. Which generate a union of creditors, where the risks are distributed among participants, enabling the rural credit cooperatives to maintain its liquidity at an appropriate level and to maintain the attractiveness of the cooperative member-shareholder  bellco credit union .

5. The mortgage loan is a special type of credit (loan) mortgages. Mortgage lending system includes two parts:
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- Direct the issuance of mortgage loans;
- The sale of mortgage loans in the secondary market (mortgages), which provides an additional mobilization of resources for lending.

The first is attended mortgage banks. Second - financial companies and investment funds, mortgage banks to buy assets collateralized by property, and then in his own name on their base to issue securities (bonds).

5. Consumer credit. Consumer loans are called loans (loans) granted to individuals for the purchase of consumer goods and payment of services. Rural credit cooperatives such type of loan is typical for private households of citizens living in rural areas.

Credit cooperative, operating in a market, is subject to various risks. In economic practice, the risk associated with some uncertainty about the outcome of the case, ie, possible risk and hope for a positive outcome of the decisions taken. Credit risk is the failure of the counterparty of the financial transaction to execute the loan contract. Credit risk is particularly important in the planning of the cooperative, as its revenues depend on lending activity. Credit risks can be classified as follows:

- The risk of default shareholder obligations;
- The risk of the region;
- Concentration risk;
- The risk of non-payment of principal and interest;
- The risk of substitution of the borrower;
- The risk of collateral.

There are many ways to assess credit risk. To reduce the risk, the board of the cooperative shall develop appropriate control procedures. For example, in order to optimize the control of the risk posed by lending, the board of the cooperative "Agrocredit" can set credit limits, which may be sectoral and credit of the borrower. To establish the limits of the board of the cooperative sector requires an analysis of the various branches of agriculture. Limits can be set as a percentage of the share capital, as the amount of bad debt and a certain percentage of outstanding loans. As the experience of the main sectors of agriculture in the region under study, adverse industry is farming. Therefore, the cooperative "Agrocredit" may limit lending livestock 30% of credit  bellco credit union .