Xiushui Rural Commercial Bank is the only rural commercial bank in xiushui county, Jiangxi Province. Founded in 2008 with a registered capital of 300 million yuan. The annual report of 20 19 shows that the net profit attributable to shareholders of the parent company of Xiushui Rural Commercial Bank is1.1600 million yuan, up by 16.68% year-on-year. At the same time, its NPL ratio was 1.7 1%, down by 1. 13 percentage points over the previous year, and its capital adequacy ratio was 15.0 1%, up by1.

Rural commercial banks are an important part of the banking industry in China. It is different from large state-owned banks and joint-stock banks, serving rural areas and small and micro enterprises, and is an important force to support the development of rural economy and small and micro enterprises. At the same time, rural commercial banks also have higher awareness and ability of risk prevention and control in China banking industry. Therefore, on the whole, Xiushui Rural Commercial Bank is less likely to close down. Of course, any bank is faced with market risks and operational risks, and needs to do a good job in risk management and preventive measures.