in 1992, Agricultural Bank of China began to issue RMB Jinsui cards, and joined MasterCard International Credit Card Organization and VISA International Credit Card Organization. Jinsui Card can be divided into two types: corporate card and personal card. All enterprises, institutions, administrative institutions and individual residents can apply for Jinsui Card from the issuing bank of Agricultural Bank of China. Cardholders can shop and spend in special shops, restaurants and hotels in the same city or in different places, and can also deposit and withdraw cash in banking institutions designated by Agricultural Bank of China. Units and individuals applying for Jinsui Card must open a deposit account with the issuing bank.