Xǔduō nóngcūn xìnyòngshè yǐ gǎizhì wéi nóngcūn shāngyè yínháng.
Many rural credit cooperatives have been restructured into rural commercial banks.
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农村信用社 (信用社 for short) were founded in the 1950s as member-owned rural finance. From the 2000s onwards most have been converted into 农村商业银行 (Rural Commercial Banks, 农商行) — often the dominant bank in a Chinese county.