First, rural financial institutions should have a good strong business systems and system development capabilities, state-owned commercial banks according to the technical interface development or reform their own system, but the actual situation is often the weakness of rural financial institutions, technology or system not perfect, it is difficult to complete the system of self-transformation and development, system development work needs to be entrusted to third parties, communication and coordination costs are high, development into large, long development cycle, low efficiency, thereby increasing the promotion and application difficult. Second, the rural financial institutions, the qualification problem.