Rural commercial banks are formal commercial banks approved by the supervision system of China Banking Regulatory Commission and formally supervised by the banking system. It is also a bank in which bank deposit insurance institutions are included in the insurance category. The principal and interest of your deposit in the rural commercial bank does not exceed 500,000 yuan, and the deposit is guaranteed and safe.

The deposits of rural commercial banks are guaranteed by the Deposit Insurance Regulations, and there is no need to worry about the safety of funds within 500,000 yuan. You bought a wealth management product in a rural commercial bank, and you can't guarantee the safety of the principal 100%. The security of large deposit certificates of rural commercial banks mainly depends on their own operating strength. As a formal commercial bank, rural commercial banks have guaranteed deposit business, so it is necessary to pay attention to risks when purchasing wealth management products.