As a local financial structure rooted in rural areas，Luyi rural commercial bank helps the countryside to revitalize while continuing to emancipate the mind，innovate products and optimize services. In the past two years，it has promoted the healthy and rapid development of various businesses by building the Party’s leadership，solid deposit project and deepening the “three engines” of Jinyan Inclusive loan and has made positive contributions to the economic development of the county. Facing the challenges brought about by the fierce competition in the financial market and the application of new technology，Luyi rural commercial bank also needs to strengthen the overall application of science and technology，strengthening the risk control of credit products，paying attention to the training of internal employees，effectively addressing the challenges of Internet finance，and enhancing the endogenous power of banks.