It is because in China, rural credit cooperatives realize networking business with other banks through local banks. According to the relevant public information, rural credit cooperatives are small in scale, and their technical level and risk management ability may not be as good as those of large commercial banks. Therefore, local banks are needed to provide support and guarantee, and local banks provide technical support, risk control, settlement and liquidation services for rural credit cooperatives to ensure the smooth operation and loan business of rural credit cooperatives.