After reading these words in the book, I wonder, is China Postal Savings Bank only saving money but not lending money? Since there are only three kinds of financial entities in rural areas at present,

After reading these words in the book, I wonder, is China Postal Savings Bank only saving money but not lending money? Since there are only three kinds of financial entities in rural areas at present, then First, since the Postal Savings Bank is a bank, postal services must have loan business. Here, "only deposit but not loan" should mean that the loan expenditure of postal service is not mainly based on agriculture;

Second, it is clear in your photo that "rural commercial banks" and "rural cooperative banks" are the products of the share reform of rural credit cooperatives, and "village banks" and "rural mutual funds cooperatives" are also clearly stated in (3) and (4).

The third problem is that everyone has legal personality.

"There are only three financial institutions in rural areas at present" means that these three institutions are the main bodies engaged in rural financial services at present.