1. Rural commercial banks are joint-stock commercial banks, and rural credit cooperatives are rural cooperative financial institutions.
2. Rural credit cooperatives are independent enterprise legal persons, and rural commercial banks are upgraded versions of credit cooperatives.
3. As the initiator of the provincial association, the rural credit cooperatives are mainly supervised by the provincial association, and the rural commercial banks are mainly supervised by the China Banking Regulatory Commission.
4. Credit cooperatives implement democratic management of members, and rural commercial banks take shareholders' meeting as the highest management institution.