What is the difference between a rural credit cooperative and a rural commercial bank?

There is not much difference, the rural credit cooperatives (full name: rural credit cooperatives) and rural commercial banks (full name: rural joint commercial banks) are the same, the difference is that the rural credit cooperatives are not listed banks (the old ones will be renamed rural commercial banks in the future) and rural commercial banks are listed.

See if it's two hands holding a C, such a line emblem, yes, it's the same.

Good luck! (If you have any questions, please ask, and I hope you are satisfied).

1. Equity setting.

Rural credit cooperatives are rural financial cooperative institutions that serve their members as shareholder, implement democratic management, and have one vote for each member.

The share capital of rural commercial banks is divided into joint-stock local financial institutions with equal shares, equal rights and benefits for the same shares.

2. Corporate governance.

The authority of a rural commercial bank is the general meeting of shareholders, and the board of directors, the board of supervisors, and the management are set up.

Rural credit cooperatives serve the members of the cooperatives and implement democratic management, with one member and one vote. In terms of corporate governance, the member congress is the authority body, and the member representatives are elected by the members, and the board of directors, the board of supervisors and the management are set up.

3. Service focus.

Since rural commercial banks are set up in relatively economically developed areas, the proportion of agriculture is relatively low. Therefore, under the premise of meeting the needs of the "three rural", it is also necessary to take into account the goal of coordinated development of urban and rural economy.

Rural credit cooperatives focus more on rural households. Today, rural credit cooperatives are still the main institutions of the rural financial system, and after the reform of the financial system, some provinces have been completely transformed or partially transformed into rural commercial banks, and the number of rural cooperative banks is relatively small.

For example, our rural commercial bank and rural credit cooperative, the two banks are not the same bank at all, but the name looks like one, but the actual connection between the two is not very large.

1. Rural Commercial Bank.

Rural Commercial Bank. The abbreviation is the Rural Commercial Bank, and the jurisdiction is in the farmers, rural areas, industrial and commercial households, enterprise legal persons and other economic organizations jointly invested in the formation of joint-stock local financial institutions, rural cooperative banks, to all be restructured into rural commercial banks, at present in the major provinces in the country have allocated some stores, rural commercial banks are currently in the major cities in the country have created the corresponding stores, and the rural commercial banks are currently steadily promoting the reform of the provincial association, and gradually build a property rights as a link, with equity as a connection, The new relationship between the provincial association and the grassroots legal person society is constrained by regulation, and the interest community between the provincial association and the grassroots legal person society is truly formed.

Rural credit cooperatives are also called rural commercial banks, right?

Rural Commercial Bank is the abbreviation of Rural Commercial Bank, which is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction.

Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, composed of members' shares, practicing democratic management, and mainly providing financial services to members.

Rural commercial banks and rural credit cooperatives are not the same nature at all; rural commercial banks are a term for a bank that belongs to a bank, and rural credit cooperatives are a bank that belongs to rural areas and serves the peasants.

Hello, don't be misled by the similarity of names! Rural credit cooperatives are not the same as rural commercial banks.

Because the conditions for the establishment of the two are different.

Rural credit cooperatives are a cooperative financial organization that invests in farmers and serves their members.

The Rural Commercial Bank is a local joint-stock commercial financial institution used to raise idle funds or other capital components in rural areas.

Rural credit cooperatives are the predecessors of rural commercial banks, so they can be reorganized into rural commercial banks when certain conditions are met. Therefore, this can be understood on this issue: Rural credit cooperatives are not rural commercial banks, but some rural commercial banks are formed by the shareholding reform of rural credit cooperatives.

It's different, these are two institutions, and the things they manage are different, but they are both institutions that help farmers.

It's the same, the main business in it is also about some business in storage, and it's all regular, but there are some differences in the name.

Rural credit cooperatives.

Unlike rural commercial banks, there are differences between the two in terms of concept, nature, regulatory authority, scale, and use of bank cards.

First, the concept is different.

1. Rural credit cooperatives are rural credit cooperatives.

refers to the People's Bank of China.

Approve the establishment of rural cooperative financial institutions that are composed of members as shares, practice democratic management, and mainly provide financial services to members.

It is the most widely distributed credit cooperative, absorbing deposits and loans for agricultural production, which has a good supporting role in rural agricultural production and people's livelihood.

2. Rural Commercial Bank, the abbreviation of rural commercial bank, refers to a local bank formed by farmers, rural industrial and commercial households, and enterprise legal persons within its jurisdiction.

Second, the nature is different.

1. Rural credit cooperatives are joint-stock cooperative enterprises and belong to local financial institutions, which cannot reach the scale of banks, and their operations are not standardized enough.

2. Rural Commercial Bank is a share, and its operation is relatively standardized.

Third, the regulatory agencies are different.

1. The regulatory authority of rural credit cooperatives is the provincial association.

2. The regulator of rural commercial banks is the China Banking and Insurance Regulatory Commission.

Fourth, the scale is different.

1. The scale of rural credit cooperatives is relatively small, and only when they have developed to a certain scale, which is in line with the core capital adequacy ratio.

Capital adequacy ratio, non-performing loans.

and the adequacy ratio of bad debt provisions, etc., in order to upgrade to the rural commercial bank, pass the review of the China Banking and Insurance Regulatory Commission, and be listed as a rural commercial bank.

2. Rural commercial banks are larger than rural credit cooperatives, which are upgraded versions of rural credit cooperatives, and can be listed in the future and become public companies, while credit cooperatives cannot be listed.

5. There are differences in the use of bank cards.

1. Due to the remoteness of rural credit cooperatives, it is difficult to find the address of the branch in the third-party payment system, and it is also difficult to bind, and the others are the same as those of rural commercial banks.

Alipay, etc.

Agricultural Bank of China is different from Rural Commercial Bank, and the specific differences are:

1. The full name of Agricultural Bank of China is Agricultural Bank of China, which is a large state-owned bank managed by the first state. The full name of the Rural Commercial Bank is the Rural Commercial Bank, which is a local bank managed by the provinces and belongs to the joint-stock bank.

2. The Rural Commercial Bank was restructured from the merger of the original Nongjiabian Village Credit Cooperatives and Urban Credit Cooperatives, and belonged to the Agricultural Bank of China before 1996.

3. Since the business object is a member of the cooperative, the business procedures are simple and flexible. The main tasks of rural credit cooperatives are: in accordance with the provisions of state laws and financial policies, to organize and regulate rural areas, to support agricultural production and comprehensive rural development, to support various forms of cooperative economy and members' family economy, and to restrict and crack down on usury.

Rural Credit Bank is not the same as Rural Commercial Bank.

Rural credit banks are rural credit cooperatives, and rural credit cooperatives are the continuation of the planned economy, and the supply and marketing cooperatives that are now retained are of the same nature; Rural Commercial Bank is a joint-stock bank established by rural credit cooperatives through the shareholding system reform, and is a local financial institution.

Further information: Rural credit cooperatives (Chinese referred to as rural credit cooperatives, rural credit cooperatives) refer to rural cooperative financial institutions established with the approval of the People's Bank of China, composed of members' shares, practicing democratic management, and mainly providing financial services for members.

Rural credit cooperatives are independent enterprise legal persons, which are liable for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Their property, legitimate rights and interests, and business activities carried out in accordance with the law of the state are protected by the laws of the state. Its main task is to raise idle funds in rural areas and to provide financial services for agriculture, farmers and rural economic development.

In accordance with the provisions of national laws and financial policies, organize and regulate rural areas, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on usury.

Rural credit cooperatives are divided into the following departments: rural credit cooperatives, rural credit cooperatives international financial department, Zhengtong rural credit cooperatives training school, rural credit cooperatives credit department, etc., which are departments under the dual leadership of the China Banking Regulatory Commission and the first department.

As a banking financial institution, rural credit cooperatives have their own characteristics, which are mainly manifested in:

1. Farmers and other individuals in rural areas raise funds to jointly form a cooperative financial organization with mutual assistance as the main purpose, and its business operation is managed and operated by personnel designated by members on the basis of democratic elections, and is responsible to members. The highest authority is the Members' Congress, and the executive body responsible for the management of specific affairs and business operations is the Board of Directors.

2. The main funds are the shares paid by the members of the cooperative, the retained provident fund and the deposits absorbed; The loan is mainly used to meet the financial needs of its members. At first, it mainly issued short-term loans for production and living and consumer loans, but with the development of the economy, the lending channels were gradually expanded, which was no different from commercial bank loans.

3. Since the business object is a member of the cooperative, the business procedures are simple and flexible. The main tasks of rural credit cooperatives are: to organize and regulate rural areas in accordance with the provisions of state laws and financial policies, to support agricultural production and comprehensive rural development, to support various forms of cooperative economy and members' family economy, and to restrict and crack down on usury.

Rural credit cooperatives, referred to as "rural credit cooperatives", refer to rural cooperative financial institutions established with the approval of the People's Bank of China, composed of members' shares, practicing democratic management, and mainly providing financial services to members.

Rural commercial banks, referred to as "rural commercial banks" or "rural commercial banks", are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within their jurisdiction.

In some economically developed areas, when the scale of rural credit cooperatives reaches a certain level, they will carry out shareholding reform and transform them into rural commercial banks. It can be said that rural commercial banks are upgraded versions of rural credit cooperatives, and at present, many rural commercial banks are restructured from the development of credit cooperatives, and credit cooperatives can be transformed into rural commercial banks after meeting certain conditions at a certain stage of development.

There are the following main differences between the two:

1. Different nature: Rural commercial banks are joint-stock regional financial institutions, and rural credit cooperatives are local financial institutions of joint-stock cooperative enterprises.

2. The initiators are different: (1) Rural commercial banks are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction. (2) Rural credit cooperatives are joint-stock local financial institutions formed by farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within their jurisdiction.

3. Different management methods: Credit cooperatives practice democratic management by members, while rural commercial banks take the shareholders' meeting as the highest management body.

4. Different regulatory authorities: Commercial banks are mainly supervised by the China Banking Regulatory Commission, while credit cooperatives, as the initiators of provincial associations, are mainly supervised by provincial associations.

5. Different scale and strength: Generally speaking, compared with rural credit cooperatives, rural commercial banks are larger and more powerful.

6. Different business models: (1) Rural commercial banks as a whole aim at making profits for the whole bank, and each branch will be directly managed by the head office. (2) Rural credit is operated independently under the guidance of the provincial federation, and each rural credit cooperative is an independent legal person, responsible for its own profits and losses, and the provincial federation can manage and know the development of the credit cooperative, but cannot interfere with the business of the credit cooperative.

7. Different service objects: (1) Credit cooperatives mainly provide financial services for members, and its service objects are mainly farmers, and the main service areas are in rural areas. (2) Rural commercial banks are regional financial institutions, which serve a wide range of objects, which are the same as other banking institutions, and the customer groups can be rural areas or cities, and enterprises can also be individuals.

Rural commercial banks are the upgraded version of rural credit cooperatives, and at present, the reform of rural credit cooperatives across the country is also in full swing. Through the reform of the joint-stock system, the ownership of property rights will be clearer, and the development routes of rural credit cooperatives and rural commercial banks will also be clearer.