1. Different adaptation groups. Different from the four major banks, Bank of China Fudeng Rural Bank has developed financial services and credit processes suitable for small and micro enterprises and customers of agriculture, rural areas and farmers, and developed more than 6 kinds of small and micro and agriculture-related products in 14 categories.

2. Different management methods. The four major banks are directly controlled by the state, also known as the four major banks of the central government, which represent the strongest financial capital in China. Bank of China Fudeng Village Bank was established by Bank of China in cooperation with Fudeng Financial Holding Company under Temasek.