Are rural commercial banks the same as rural credit cooperatives?

The main differences between the two are as follows.

1. The nature of the unit is different.

The nature of rural commercial banks is joint-stock commercial banks; Rural credit cooperatives are rural cooperative financial institutions.

2. The shareholding objects are different.

The shareholding objects of rural commercial banks are the joint shareholding of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within their jurisdiction; The shareholding objects of rural credit cooperatives are members.

3. The conditions for establishment are different.

According to Article 8 of the Interim Provisions on the Administration of Rural Commercial Banks, the registered capital shall not be less than RMB 50 million, and the capital adequacy ratio shall reach 8%; According to Article 8 of the Interim Regulations on the Administration of Provincial (Autonomous Region, Municipality Directly Centralized) Cooperatives of Rural Credit Cooperatives, the conditions for the establishment of rural credit cooperatives shall be that the registered capital shall not be less than 5 million yuan.

Yes, rural credit cooperatives are rural commercial banks, referred to as rural commercial banks.

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 rural 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: 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 (full name: Rural Credit Cooperatives) and rural commercial banks (full name: Rural Commercial United Banks) are the same, except that 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.

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Obviously, the rural credit cooperatives are like the Postal Savings Bank, which seems to have branches in many parts of the country, while the rural commercial banks are regional, and the scale is much smaller.

Are rural credit cooperatives the same as rural commercial banks?

Rural commercial banks are not the same as rural credit cooperatives. Rural credit cooperatives are a continuation of the term planned economy, and the supply and marketing cooperatives that are now retained are of the same nature, and the property rights are not clear.

Rural Commercial Bank is a joint-stock bank established by rural credit cooperatives through the shareholding system reform, and is a local financial institution. When peasants are no longer engaged in agricultural production activities and credit cooperatives begin to operate commercially, then rural credit cooperatives can be transformed into rural commercial banks through the shareholding system. However, the rural credit cooperatives that have not changed are still independent corporate legal persons, and each credit cooperative is self-financed.

Therefore, there is still a difference between the two banks, and the business of the rural credit cooperatives cannot be handled by the rural commercial bank, and the business between the two banks is also independent of each other.

First of all, the concepts of the two are different, rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, composed of members' shares, and practicing democratic management, that is, providing financial services for members. The abbreviation of the Rural Commercial Bank is the Rural Commercial Bank, which is a local bank composed of farmers, rural industrial and commercial households, and enterprise legal persons within its jurisdiction, so the two are different in concept.

The second is that the nature of the two is also different, the rural commercial bank belongs to the joint-stock ****, while the rural credit cooperatives belong to the joint-stock cooperative enterprise, so the operation is not as standardized as the rural commercial bank. The above content is a detailed explanation of the difference between rural commercial banks and rural credit cooperatives, I hope it will be helpful to you.

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<> Rural Commercial Bank and Nongzhaoji Village Credit Cooperatives are not the same. Rural credit cooperatives are an extension of the term of the planned economy, and they are of the same nature as the supply and marketing cooperatives and so-and-so factories that are now retained, and the property rights are not clear. Rural commercial banks are joint-stock companies restructured on the basis of rural credit cooperatives, with clear property rights.

Both are state-approved banking financial institutions. The scope of business is the same, but the property rights model is different.

Rural commercial banks are not rural credit cooperatives, and there is a certain difference between the two, which is analyzed as follows:

1. The nature of rural commercial banks is joint-stock commercial banks, while rural credit cooperatives belong to rural cooperative financial institutions.

2. Rural credit cooperatives are independent enterprise legal persons, while rural commercial banks are upgraded versions of credit cooperatives.

3. As the initiators of the provincial associations, the rural credit cooperatives are mainly supervised by the provincial associations, while the rural commercial banks are mainly supervised by the China Banking Regulatory Commission.

4. Credit cooperatives practice democratic management by members, while rural commercial banks take the general meeting of shareholders as the highest management body.

Rural commercial banks and rural credit cooperatives are not the same. However, in some areas where the economy is more developed, it is speculated that the rural credit cooperatives may be reformed into a joint-stock system, and the reorganized rural credit cooperatives will be called rural commercial banks.

Rural credit cooperatives are rural cooperative financial institutions established with the approval of the People's Bank of China to provide financial services to members, while rural commercial banks are joint-stock commercial banks.

Rural commercial banks are different from rural credit cooperatives. Rural credit cooperatives are an extension of the planned economy, which is the same nature as the reserved supply and marketing cooperatives and factories, and the property rights are not clear. Rural commercial banks are joint-stock companies reorganized on the basis of the basic number of rural credit cooperatives, with clear property rights.

Both are state-approved banks and financial institutions. The business scope is the same, but the property rights model is different.