Rural credit cooperatives (hereinafter referred to as rural credit cooperatives) refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.
Rural commercial banks are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.
Compared with credit cooperatives, rural commercial banks have changed the property right system from cooperative system to joint-stock system, and the ownership structure and corporate governance structure are more reasonable, and shareholders' right to speak is enhanced; The supervision standard of rural commercial banks is higher than that of credit cooperatives, which is conducive to the steady and sustainable development of rural commercial banks; The service concept and business model of rural commercial banks will undergo great changes, and the "customer-centered" service model will be fully promoted; At the same time, the intensity of product innovation will be stronger.
Extended data:
Rural credit cooperatives are rural financial cooperative institutions that serve shareholders, implement democratic management and have one member and one vote.
The share capital of rural commercial banks is divided into joint-stock local financial institutions with the same shares, rights and interests.
In terms of service focus, it mainly serves agriculture, farmers and rural economic development within its jurisdiction. However, due to the establishment of rural commercial banks in relatively developed areas, the proportion of agriculture is low. Therefore, under the premise of meeting the needs of agriculture, countryside and farmers, we must take into account the goal of coordinated economic development between urban and rural areas. The service targets of rural credit cooperatives are more focused on farmers.
At present, rural credit cooperatives are still the main institutions of rural financial system. After the financial system reform, some provinces have been completely transformed (such as Jiangsu and Anhui) or partially transformed (such as Zhejiang and Guangdong) into rural commercial banks.
In terms of recruitment examinations, they are basically organized by provincial associations, and the contents of the examinations in the same province are roughly the same.
References:
Baidu encyclopedia-rural credit cooperatives, Baidu encyclopedia-rural commercial banks