1. Serving rural areas and farmers: As a special type of commercial bank, rural commercial banks are mainly positioned to provide financial services to rural areas and farmers. Loan business is a way for rural commercial banks to obtain funds from the central bank or other financial institutions and then lend them to rural residents, agricultural enterprises and rural economic development projects. This will help to meet the demand for funds in rural areas and support agricultural development and farmers' income.

2. Imperfect rural financial market: Compared with urban areas, the financial market in rural areas is underdeveloped, and the coverage of financial institutions and financial products is limited. Loans allow rural commercial banks to provide more financial support and financing channels by introducing funds from the central bank or other financial institutions into rural areas. This will help to fill the gap in rural financial market and promote rural economic development.