What kind of bank is rural commercial bank?

It is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations. Rural cooperative banks should all be restructured into rural commercial banks.

2065438+On May 2, 2009, the People's Bank of China published the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework of implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6.

Extended data:

Rural commercial banks are independent enterprise legal persons, enjoying all legal person property rights formed by shareholders' investment, enjoying civil rights according to law, and independently bearing civil liabilities with all legal person assets.

Shareholders of rural commercial banks have the right to benefit from the owner's assets, participate in major decisions and choose managers with their shares, and are responsible for the debts of rural commercial banks to the extent of their shares.

Rural commercial banks take efficiency, safety and liquidity as their operating principles, operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined. Rural commercial banks carry out business according to law and are not subject to interference by any unit or individual.

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