There is no routine for agricultural credit of Jiuhua Commercial Bank. According to relevant information, there is no routine for formal banks, unless they find informal banks or apply through other illegal channels. Jiuhua Commercial Bank has no routine for agricultural credit. Jiuhua Rural Commercial Bank invested 350 million yuan in loans that meet the requirements of the micro-credit policy, with an average interest rate discount of 50 basis points, benefiting more than 30 small and micro enterprises. Jiuhua Rural Commercial Bank is the first 16 rural commercial bank in China, the third in Anhui Province and the first potato core rural commercial bank in Chizhou approved by China Banking Regulatory Commission. It was officially opened on February 27th, 2007. Its headquarters is located at No.0/39, Qingfeng West Road, Chizhou City, with a registered capital of 602.36 million yuan. It initiated the establishment of the first village bank in Chizhou City.