Village banks are joint-stock commercial banks.

Rural banks are joint-stock commercial banks, not state-owned enterprises. Generally, state-owned banks hold more than 50% of the shares, that is, state-owned commercial banks (such as Bank of China) hold the majority share, and the rest is controlled by non-state-owned capital (such as some enterprises). Buying shares) currently means a bit like a policy bank.

Rural banks refer to banks that are approved by the China Banking and Insurance Regulatory Commission in accordance with relevant laws and regulations and are established in rural areas with investment from domestic and foreign financial institutions, domestic non-financial institutions, corporate legal persons, and domestic natural persons. It is a banking financial institution that mainly provides financial services to local farmers, agriculture and rural economic development. The establishment of village and town banks has effectively filled the gap in financial services in rural areas and increased financial support in rural areas.

An important feature of village banks is that their institutions are located in counties and towns. According to the "Interim Provisions on the Management of Village Banks", the registered capital of a village bank established in a local (city) shall not be less than RMB 50 million; The registered capital of a village bank established in a county (city) shall not be less than RMB 3 million; the registered capital of a village bank established in a township (town) shall not be less than RMB 1 million.

Compared with other banks, rural banks have two distinctive features. First, they adopt the promoter system, and second, the threshold for establishment is relatively low. The so-called Zhengxi promoter system means that according to the requirements of the regulatory agency, there must be a commercial bank that meets regulatory conditions, has standardized management, and has good operating efficiency as the promoter, and the promoter's shareholding ratio must not exceed 15. Other single non-financial institutions and natural persons The shareholding ratio shall not exceed 10. The registered capital of a newly established credit cooperative organization in a township (town) shall not be less than RMB 300,000; the registered capital of a newly established credit cooperative organization in an administrative village shall not be less than RMB 100,000. Rural banks are independent corporate legal persons, enjoy all legal person property rights formed by shareholder investments, enjoy civil rights in accordance with the law, and independently bear civil liabilities with all legal person property. Rural bank shareholders enjoy the rights of asset returns, participation in major decisions, and selection of managers in accordance with the law, and are responsible for the debts of the rural bank to the extent of their capital contribution or subscribed shares. ?