Changning Rural Commercial Bank is the abbreviation of Hunan Changning Rural Commercial Bank, and Hunan Rural Credit Cooperative refers to Hunan Rural Credit Cooperative Association. Although rural commercial banks and rural credit cooperatives are different in service objects and legal status, they are both financial institutions serving rural areas and farmers in China's financial system. Changning Rural Commercial Bank app is a mobile financial service tool provided by the bank to customers, helping them to conduct banking operations conveniently and quickly. So, I can answer your question. Changning Rural Commercial Bank app is a service tool belonging to Hunan Rural Commercial Bank, not Hunan Rural Credit Cooperative.