1, the prototype of the rural commercial bank was first established in 1923 in Hebei Xianghe, until 1951 the real rural credit cooperatives flourished in the land of China, there has been a half-century of history, a few reforms into a rural commercial bank in 2023. China Postal Savings Bank is a new bank established only in 2007, also separated from the postal company, the company's operation and business development is not as mature as the rural commercial banks.

2, the rural commercial bank's time deposit interest rate in the domestic banking industry as a whole belongs to the high, agricultural commercial bank all deposit interest rate in the benchmark interest rate based on 1.45 times, to a high level. Postal savings banks do not have particularly high interest rates, and the local China Postal Savings Bank has lower interest rates for all deposit terms than rural commercial banks.