1. Application paper: refers to the scientific summary of new scientific research achievements or innovative ideas and knowledge based on application.

2. Academic paper: it is a scientific record of new scientific research achievements or innovative views and understandings of an academic topic in an experimental, theoretical or predictive way, or a scientific summary of the actual progress made by applying a known principle.

Academic papers should provide new scientific and technological information, and their contents should be discovery, invention, creation and progress, rather than repeating, imitating and copying the work of predecessors.

Therefore, the research on the sustainable development of rural banks in China belongs to academic papers, not applied papers!