Rural commercial banks can buy funds, but the handling fee for banks to buy funds is too expensive, above 1.2%.

The process of investors buying fund shares during the raising period of open-end funds and before the establishment of funds is called subscription. Investors who subscribe for this fund shall fill in the subscription application form and pay the subscription fee at the fund sales point. The registration authority shall go through the relevant formalities and confirm the subscription.

After the establishment of open-end funds, the process of investors applying to fund management companies for purchasing fund shares through sales agencies is called subscription.