1. Rural commercial banks are regional and basically exist in rural and township areas of China. Their predecessor was a rural cooperative. The basic business is basically the same as that of ordinary banks, including deposit and withdrawal, credit business and so on. However, the service object is generally farmers, that is to say, because of the particularity of its location, the service object of banks is basically farmers, which can provide farmers with deposit and withdrawal business and credit business to meet their production and life needs. In the past, rural credit cooperatives were generally located in rural areas, but in recent years, with the increase of farmers' income, many rural credit cooperatives have been reformed and upgraded to rural commercial banks. Rural commercial banks serve a wider range of customers than previous rural credit cooperatives, and provide basically the same business as other banks, including applying for credit cards, which rural credit cooperatives did not have before.
2. Fundamentally speaking, the nature of rural commercial banks still belongs to commercial banks, and its main purpose is to make profits. However, due to its particularity, its loan interest rate is generally lower than that of other commercial banks in handling credit and other businesses, so as to give more preferential treatment to farmers' customers. Moreover, because rural commercial banks are joint-stock banks, their shareholders are generally farmers and have many businesses, but their shareholders can only be local people, legal persons or enterprises of rural commercial banks, which is determined by the special region of rural commercial banks. Therefore, to sum up, rural commercial banks belong to commercial banks and are local, and there are many shareholder elements. They must be the people, legal persons or enterprise organizations where the rural commercial banks are located to become their shareholders.