Combining theoretical level with business technology. Rural commercial banks should adhere to the principle of integrating theory with practice according to the characteristics of talents, and carry out targeted training in talent classification. To recruit college students, we should focus on strengthening professional and technical training so that they can apply what they have learned to their jobs as soon as possible; For the newly discovered talents from employees, we should focus on strengthening theoretical training, so that they can master more policies and regulations, improve their comprehensive ability and better serve the development of rural credit cooperatives.