Rural commercial inclusive loans refer to small loans issued by rural credit cooperatives and commercial banks, aiming at supporting rural economic development and increasing farmers' income. When signing a loan contract, both parties usually agree on their respective responsibilities and obligations, including repayment responsibilities. If one party fails to repay the loan in time, it will affect the repayment of the whole loan and may lead to loans overdue or default. Therefore, if one party does not sign the agreement, it will affect the loan.

In order to avoid affecting the repayment of the whole loan due to one party's overdue, it is suggested that both parties clearly define their respective repayment responsibilities and obligations when signing the loan contract, and make a reasonable repayment plan to ensure timely repayment.