Legal analysis: Any unit or individual who purchases more than 5% of the total shares of a commercial bank shall obtain the prior approval of the the State Council Banking Regulatory Authority. The total investment and shareholding ratio of individual natural person shareholders and their related parties shall not exceed 2% of the total share capital of rural commercial banks. The proportion of employees' total investment in shares by natural persons shall not exceed 2% of the total share capital of rural commercial banks.

Legal basis: Law of the People's Republic of China on Commercial Banks

Article 28 Any unit or individual that purchases more than 5% of the total shares of a commercial bank shall obtain the prior approval of the the State Council Banking Regulatory Authority.

Article 79 Under any of the following circumstances, the the State Council Banking Regulatory Authority shall order it to make corrections. If there is illegal income, the illegal income shall be confiscated, and if the illegal income is more than 5, yuan, a fine of not less than one time but not more than five times shall be imposed; If there is no illegal income or the illegal income is less than 5, yuan, a fine of 5, yuan to 5, yuan shall be imposed:

(1) using the word "bank" in the name without approval;

(2) purchasing more than 5% of the total shares of a commercial bank without approval;

(3) opening an account in the name of an individual to store the unit's funds.