1. Legal compliance: Rural commercial banks are formal financial institutions established with the approval of China Banking Regulatory Commission, which conform to national regulations and represent a part of the national financial system.

2. Deposit insurance system: China implements the deposit insurance system, and all deposit businesses of rural commercial banks are guaranteed by this system, thus ensuring the principal security of consumers.

3. Strict risk control: In the course of operation, rural commercial banks need to comply with regulatory requirements, strengthen risk management and ensure deposit safety.