According to the latest statistics from the China Banking Regulatory Commission, there are the following 12 rural banks in Shanghai: (including 3 affiliated branches) Supplementary information: Shanghai Songjiang Minsheng Rural Bank Co., Ltd. Chedun Branch Shanghai Jinshan Huimin Rural Bank Co., Ltd. Shanghai Songjiang Minsheng Rural Bank Co., Ltd.

Co., Ltd. Sijing Branch Shanghai Baoshan Fumin Rural Bank Co., Ltd. Shanghai Songjiang Minsheng Rural Bank Co., Ltd. Xinqiao Branch Shanghai Jiading Minsheng Rural Bank Co., Ltd. Shanghai Minhang Shanghai Bank Rural Bank Co., Ltd. Shanghai Pudong Jianxin Rural Bank Co., Ltd. Shanghai

Pudong Jiangnan Rural Bank Co., Ltd. Shanghai Songjiang Minsheng Rural Bank Co., Ltd. Shanghai Fengxian Pudong Development Rural Bank Co., Ltd. Shanghai Chongming Changjiang Rural Bank Co., Ltd. Extended information: Rural banks refer to banks approved by the China Banking and Insurance Regulatory Commission in accordance with relevant laws.

, banking financial institutions approved by regulations and funded by domestic and foreign financial institutions, domestic non-financial institutional corporate entities, and domestic natural persons, established in rural areas to mainly provide financial services for local farmers, agriculture and rural economic development.

The establishment of village and town banks has effectively filled the gap in financial services in rural areas and increased financial support in rural areas.

1. Characteristics of rural banks According to the "Interim Provisions on the Management of Village Banks", rural banks have the following characteristics: 1. Region and entry threshold An important feature of rural banks is that their institutions are located in counties and towns. According to the "Interim Provisions on the Management of Village Banks"

》, the registered capital of a village bank established in a prefecture (city) shall not be less than RMB 50 million; the registered capital of a village bank established in a county (city) shall not be less than RMB 3 million; the registered capital of a village bank established in a township (town)

For rural banks, their registered capital shall not be less than RMB 1 million.

2. Market positioning The market positioning of village banks mainly lies in two aspects: first, to meet the small loan needs of farmers, and second, to serve local small and medium-sized enterprises.

In order to effectively meet the local development needs of "agriculture, rural areas and farmers" and ensure the implementation of the policy of rural banks serving "agriculture, rural areas and farmers", the "Interim Provisions on the Management of Village Banks" clearly requires that rural banks are not allowed to issue off-site loans, and they can be used after paying deposit reserves.

All funds should be invested in local rural development and construction, and then the remaining funds can be invested in other areas.

3. Governance structure As an independent corporate legal person, rural banks establish and set up an organizational structure according to the organizational standards of modern enterprises. At the same time, in accordance with the principles of scientific operation and effective governance, the management structure of rural banks is flat, with few management levels and difficult middlemen.

Disconnect or time lag, the decision-making chain is short, the response speed is relatively fast, and the business process structure is relatively consistent with the financial capital requirements of the agricultural industry.

4. The innovation of the promoter system and property rights structure of rural banks. The "promoter system" refers to the regulations of the China Banking Regulatory Commission. There must be a commercial bank that meets regulatory conditions, has standardized management and has good operating efficiency as the main sponsor bank and the shareholder of a single financial institution.

The shareholding ratio shall not be less than 20%. In addition, the shareholding ratio of a single non-financial institutional corporate legal person and its related parties shall not exceed 10%.

Later, in order to encourage private capital to invest in rural banks, the China Banking Regulatory Commission issued the "Implementation Opinions on Encouraging and Guiding Private Capital to Enter the Banking Industry" in May 2012, which reduced the minimum shareholding ratio of the sponsoring bank to 15%, further promoting the rural banks.

Diversified property rights structure.