Rural commercial banks. Rural credit cooperatives are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within their jurisdiction. All rural cooperative banks should be restructured into rural commercial banks, referred to as rural commercial banks for short. The rural credit cooperatives in Yinchengpu Town, Fengrun District, Tangshan City are called rural commercial banks. Rural commercial banks gradually build a new relationship between provincial associations and grass-roots corporate societies with property rights as the link, equity as the link and supervision as the constraint, and truly form the same interests between provincial associations and grass-roots corporate societies.