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China Rural Credit Cooperatives (hereinafter referred to as Rural Credit Cooperatives) is a rural cooperative financial institution established with the approval of the People's Bank of China. It consists of members' shares, implements democratic management, and mainly provides financial services for members.

China Rural Credit Cooperative is an independent enterprise legal person and is responsible for its debts with all its assets. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury.

Rural credit cooperatives are banking financial institutions. The so-called banking financial institutions are also called deposit institutions and deposit currency banks. Their common feature is that deposits are the main liabilities, loans are the main assets, and transfer settlement is the main intermediary business, which directly participates in the creation process of deposit currency.

Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are cooperative financial institutions whose main purpose is mutual assistance, referred to as "credit cooperatives", which carry out deposit and loan business among members for the purpose of mutual assistance and self-help. The establishment of credit cooperatives is directly related to the development of natural economy and small commodity economy. Due to the seasonal, decentralized and small-scale characteristics of agricultural producers and small commodity producers, it is difficult for small producers and farmers to get the support of bank loans, but objectively, the development of production and circulation must solve the difficulty of insufficient funds, so this kind of mutual aid self-help credit organization established by means of capital contribution and deposit has emerged.

Rural credit cooperatives are cooperative financial organizations composed of farmers' shares, which are democratically managed by shareholders and mainly serve them. They are legal financial institutions approved by the People's Bank of China. Rural credit cooperatives are an important part of China's financial system. Their main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. At the same time, organize and adjust rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury.