The local rural commercial bank loan approval institution is a rural commercial bank. The main business scope of rural commercial banks is to serve rural areas and small and micro enterprises, which is closely related to the local rural economic and social development. They have a deeper understanding of the local economic environment and risk situation, and can more accurately evaluate the credit risk and repayment ability of borrowers. Rural commercial banks have local branches and established corresponding credit approval processes and systems. The loan approval of local rural commercial banks facilitates the communication and procedures between borrowers and banks.