Although credit cooperatives handle deposits, loans and settlement business like banks, they are different in nature. Credit cooperative is a rural cooperative financial institution which is composed of members' shares, implements democratic management and mainly provides financial services for members. A bank refers to an enterprise legal person established in accordance with the Commercial Bank Law and the Company Law to absorb public deposits, issue loans, handle settlement and other businesses.

In order to increase the scale of credit cooperatives and enhance their ability to resist risks, the credit cooperatives in Chengzi County, the county seat, were placed under the management of Agricultural Bank. 1996 and returned to the people's bank; After 1999, the People's Bank of China gradually established prefecture (city) associations and county associations returned to prefecture (city) associations. After 2003, the People's Bank of China revoked the local (city) association and handed over the management right of rural credit cooperatives to the provincial government, which established the provincial association, which was in charge of the county association. The provincial association becomes the actual manager of the county association, specifically undertakes the management, guidance, coordination and service functions of the credit cooperatives within its jurisdiction, and does not interfere with the specific business and business activities of the credit cooperatives.