1. Rural credit cooperatives are an important part of banks in China and were established with the approval of China Banking and Insurance Regulatory Commission. They are financial institutions with formal licenses, and there are many rural credit cooperatives in China at present. These rural credit cooperatives have the functions of absorbing deposits and issuing loans.

2. Rural credit cooperatives will have strict assessment every month, and they need to pay deposit reserve and deposit insurance premium. Rural credit cooperatives will be under the dual supervision of the People's Bank of China and the Banking and Insurance Regulatory Commission of China. Therefore, under strict supervision, rural credit cooperatives can ensure that their daily business is carried out in accordance with normal procedures, so the safety of users' deposits can be guaranteed.

3. Because rural credit cooperatives are formal banking institutions, they are also protected by deposit insurance regulations. Generally, there are surveillance videos in regular channels, which can ensure social order.