A town is a place where you can go to be safe or to refill your ammunition. In this place, players nor monsters won't be able to atack you and you will find a lot of NPCs who will sell you some goods such as weapons, armors, shields, etc.
There are some towns in the world of Silk Road Online such as Jangan, Donwhan or Hotan that are the chinese towns.
If you see the maps, you will find everything you want to know about the location of each NPC and the names of the parts of the citys as the monsters that there are there.
Also, many Non-playable charectors offer quests to the player that may including hunting monsters, collecting items, and delivering items.