Online. Rural commercial banks help enterprises to apply for loans directly through online banking and mobile banking after preparing materials. The bank will review the application after receiving it, and the information is complete, so that the loan can be quickly reviewed on the same day. Rural commercial banks' loans to help enterprises are issued by credit without mortgage guarantee, which is a new financing method based on tax. As long as the business owner or business owner has a fixed business place and a good credit record, he can apply to the bank for a rural commercial bank.