Rural commercial banks can lend by mortgage, but they need to be recognized by banks and lend under their witness. For example, when the bank needs to refinance the housing loan, because the housing loan has not been repaid, the lender cannot refinance the housing loan independently. At this time, the buyer needs to go to the business hall of the bank with the lender, and propose to the staff to handle the lending business. Then, with the help of the staff, the loan will be transferred to the name of the buyer who has paid the down payment in the name of the lender, and then the buyer will conduct subsequent transactions and transfer money with the lender. In this way, the operation of transferring bank loans to loans is completed.

Rural commercial banks are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.