The 6+2 ledger of village-level microfinance refers to the fact that rural credit cooperatives record the borrower's repayment in a ledger when issuing microfinance. Among them, 6 means that the borrower needs to repay the loan on time every month, and 2 means that the borrower can have a grace period of two months every year. This account book recording method helps credit cooperatives to manage borrowers' repayment, ensure borrowers' repayment on time, and also provides a convenient way to verify borrowers' credit status.