The answer is: reliable, rural commercial banks are regular commercial banks. It comes from the reform of rural credit cooperatives. It is a joint-stock local financial institution approved by China Banking Regulatory Commission. Like state-owned banks and joint-stock commercial banks, rural commercial banks are also a kind of commercial banks. They are engaged in the business of taking deposits and issuing loans. Their customers are mainly agriculture, rural areas and farmers. Its outlets are generally at or below the county level and are not set up across regions. Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be reorganized into rural commercial banks. Cancel qualified shares and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. Expand data 1. On the premise of maintaining the overall stability of the status of county (city) as a legal person, we will steadily push forward the reform of provincial associations, and gradually build a new relationship between provincial associations and grass-roots legal person society with property rights as the link, fairness as the link and norms as the constraint, so as to truly form a consistent social interest between provincial associations and grass-roots legal person society. The proportion of qualified shares of rural credit cooperatives in China has dropped below 30%, and about 2 10303 rural commercial banks and rural cooperative banks have been established. The total assets of rural financial institutions account for 4 1.4% of the total assets of rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the organization itself has formed an endogenous driving force to further promote the reform of deep-seated system and mechanism. 2. The latest policy announced by the People's Bank of China, the notice of the People's Bank of China is to reduce the RMB deposit reserve ratio of rural commercial banks and further improve the policy framework to achieve a lower deposit reserve ratio, which will be announced by the central bank to small and medium-sized banks on May 6. The circular stipulated that the directional reserve ratio should be landed three times, and defined the scale of the three landings. Namely, in May of 15 and June of 17, the RMB deposit reserve ratio of county-level rural commercial banks was lowered by 1 percentage point, and in July of 15, the deposit reserve ratio was lowered to 8%. It is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction. Article 11 The establishment of a commercial bank shall be examined and approved by the the State Council Banking Regulatory Authority. Without the approval of the the State Council Banking Regulatory Authority, no unit or individual may engage in commercial banking business such as absorbing public deposits, and no unit may use the word "bank" in its name. Article 12 To establish a commercial bank, the following conditions shall be met: having articles of association that conform to this Law and the Company Law of People's Republic of China (PRC); Having a registered capital meeting the minimum amount prescribed in this Law; Directors and senior managers with professional knowledge and business experience; Having a sound organizational structure and management system; Having qualified business premises, safety measures and other business-related facilities. The establishment of commercial banks should also meet other prudential conditions.

Reliable, rural commercial banks are regular commercial banks. It comes from the reform of rural credit cooperatives. It is a joint-stock local financial institution approved by China Banking Regulatory Commission. Like state-owned banks and joint-stock commercial banks, rural commercial banks are also a kind of commercial banks. They are engaged in the business of taking deposits and issuing loans. Their customers are mainly agriculture, rural areas and farmers. Its outlets are generally at or below the county level and are not set up across regions. Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be reorganized into rural commercial banks. Cancel qualified shares and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. Expand data 1. On the premise of maintaining the overall stability of the status of county (city) as a legal person, we will steadily push forward the reform of provincial associations, and gradually build a new relationship between provincial associations and grass-roots legal person society with property rights as the link, fairness as the link and norms as the constraint, so as to truly form a consistent social interest between provincial associations and grass-roots legal person society. The proportion of qualified shares of rural credit cooperatives in China has dropped below 30%, and about 2 10303 rural commercial banks and rural cooperative banks have been established. The total assets of rural financial institutions account for 4 1.4% of the total assets of rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the organization itself has formed an endogenous driving force to further promote the reform of deep-seated system and mechanism. 2. The latest policy announced by the People's Bank of China, the notice of the People's Bank of China is to reduce the RMB deposit reserve ratio of rural commercial banks and further improve the policy framework to achieve a lower deposit reserve ratio, which will be announced by the central bank to small and medium-sized banks on May 6. The circular stipulated that the directional reserve ratio should be landed three times, and defined the scale of the three landings. Namely, in May of 15 and June of 17, the RMB deposit reserve ratio of county-level rural commercial banks was lowered by 1 percentage point, and in July of 15, the deposit reserve ratio was lowered to 8%. It is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction. Article 11 The establishment of a commercial bank shall be examined and approved by the the State Council Banking Regulatory Authority. Without the approval of the the State Council Banking Regulatory Authority, no unit or individual may engage in commercial banking business such as absorbing public deposits, and no unit may use the word "bank" in its name. Article 12 To establish a commercial bank, the following conditions shall be met: having articles of association that conform to this Law and the Company Law of People's Republic of China (PRC); Having a registered capital meeting the minimum amount prescribed in this Law; Directors and senior managers with professional knowledge and business experience; Having a sound organizational structure and management system; Having qualified business premises, safety measures and other business-related facilities. The establishment of commercial banks should also meet other prudential conditions.