1. In nature, Fuwantong belongs to a bank card issued by Fujian Rural Commercial Bank. Rural commercial bank is a local financial institution in China, serving local farmers. It is a joint-stock system composed of farmers, rural industrial and commercial households, corporate legal persons and other economic organizations, and exists in the form of joint-stock companies.

2. In terms of business functions, Fuwantong Credit Card has the functions of credit consumption, cash advance and repayment, while rural commercial banks have a wide range of business, including personal business, corporate business, investment banking business and international business. Personal business includes: bank card business, savings business, personal loan business, agency business, settlement business and wealth management business. The company's business includes: deposit business, credit business, settlement business and fund business. Investment banking business includes consulting business, financing business and M&A business. International business includes: foreign exchange deposit business, international settlement business and trade financing business.