Charge an annual fee. According to the inquiry of official website, a rural commercial bank, the golden age credit card of Beijing Rural Commercial Bank has not activated the annual fee collection. Rural commercial banks belong to commercial banks. Rural commercial banks, referred to as rural commercial banks for short, are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and economic organizations under their jurisdiction. 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 transformed into rural commercial banks.