Rural credit cooperative Pratt & Whitney refers to a financial tool that rural credit cooperatives provide all-round financial services for farmers and small and micro enterprises in rural areas. Because traditional big banks often only pay attention to large enterprises and rich people, they exclude a large number of poor areas and small and micro enterprises from the scope of financial services. Rural credit cooperatives make up for this defect, provide rural areas and small and micro enterprises with needed financial services, and promote social and economic development.

The advantage of rural credit cooperatives Pratt & Whitney lies in its concentration in farmers and small and micro enterprises. Able to fully understand customer needs and provide tailor-made financial services. It also has flexible risk control ability, and can make different loan policies according to the financial status and credit status of different customers. In addition, Pratt & Whitney, a rural credit cooperative, is more flexible than traditional financial institutions in obtaining funds for customers, and it is easier to issue loans, repay loans and use other financial instruments quickly.

The significance of Pratt & Whitney of rural credit cooperatives to rural economy lies in promoting the transformation and upgrading of rural economic structure. It can help farmers and small and micro enterprises get the funds they need, expand rural industries, support the development of new agricultural models and increase farmers' income. In addition, rural credit cooperatives can also break the financial barriers of poor areas and small and micro enterprises, promote financial fairness and social justice, and finally realize the sustainable development of rural economy and the whole society.