2. Shareholders and ownership structure are different: rural credit cooperatives are owned by members, and shareholders are generally individuals, with a large number of shareholders and scattered ownership. Village banks need a commercial bank as the main sponsor, and its shareholders can be domestic and foreign financial institutions, domestic non-financial institutions and individuals. In contrast, the ownership structure of rural banks is more concentrated.
3. Different development directions: The development direction of rural credit cooperatives is mainly vertical development, that is, upgrading to rural commercial banks and getting rid of the hat of non-bank financial institutions. Therefore, the number of rural credit cooperatives is decreasing. The development direction of rural banks is mainly horizontal development, that is, expanding the number of banks. Therefore, the number of rural banks is increasing.
Of course, the two may also overlap in the development process. Because rural credit cooperatives can initiate the establishment of village banks after they are upgraded to rural commercial banks. Therefore, some village banks may be established after the upgrading of rural credit cooperatives. /c8ea 15ce 36 d3d 5393687 f 2572887 e 950342 ab 0e 8？ x-BCE-process = image % 2f resize % 2Cm _ lfit % 2Cw _ 600% 2Ch _ 800% 2c limit _ 1% 2f quality % 2Cq _ 85% 2f format % 2Cf _ auto