The registered capital of Xiaolan Village Bank is RMB 250 million, making it the largest rural bank in the country. According to national policies, Xiaolan Village Bank will be able to develop deposit and loan business of RMB 2 billion. . Among them, Bank of Jiujiang invested 62.5 million yuan, accounting for 25% of the total share capital. It is the largest shareholder of Xiaolan Rural Bank. Its chairman, president and other five senior executives are appointed by Bank of Jiujiang.

Xiaolan Rural Bank was established by Bank of Jiujiang as the main sponsor and jointly funded by 9 non-financial institutional corporate entities including Zhongshan Urban Construction Investment Group Co., Ltd. It serves farmers, agriculture and A joint-stock banking financial institution that provides financial services for rural economic development.

Xiaolan Rural Bank is positioned to serve “agriculture, rural areas and farmers” and small and medium-sized enterprises. The service target determines that the bank's service method must be intensive, and the credit plan needs to be personalized and tailored for each customer. Therefore, they put forward the business philosophy of "throw away the telescope and pick up the microscope."

“Throw away the telescope and pick up the microscope” means that in providing financial services to small businesses, we cannot aim too high or follow our feelings, but must observe in detail and become friends with small business owners and farmers. Friends who know and help each other.

As of the end of March 2009, the total assets of Xiaolan Village Bank were 496.23 million yuan, the balance of various deposits was 248.22 million yuan, and the balance of various loans was 147.8 million yuan. At the end of March, the balance of small and medium-sized enterprise loans of Xiaolan Rural Bank was 82 million yuan, accounting for 55.54% of the balance of various loans; the balance of agricultural-related loans was 36.84 million yuan, accounting for 24.92% of the balance of various loans, of which the balance of loans to farmers was 2.9 million yuan, and the balance of loans to rural communities was 23.50 million yuan. Ten thousand yuan, the balance of loans for farmers to invest in enterprises was 10.44 million yuan; the balance of personal loans was 28.96 million yuan, accounting for 19.5% of the balance of various loans, of which the balance of personal business loans was 27.25 million yuan and the balance of personal consumption loans was 1.71 million yuan.

In view of the problems existing in Xiaolan Rural Bank in the early days of its opening, such as "it cannot issue cards, cannot print checks, and basic bank functions are still missing", the Guangdong Provincial Financial Office stated that the People's Bank of China has now agreed to Xiaolan Rural Bank's Joined the payment system of the People's Bank of China as an indirect agent and agreed to the printing of Xiaolan Rural Bank's checks. At this point, the problem of the lack of basic functions of Xiaolan Rural Bank has been basically solved.