Joint-stock commercial bank.

Rizhao Bank adopts a joint-stock organizational form. Its capital is mainly formed by contributions from different shareholders. Shareholders share the bank's income and bear corresponding risks in proportion to the shares they hold. This organizational form helps attract more investors, increases the bank's capital strength, and improves its operating efficiency and competitiveness.

The operating model of joint-stock commercial banks is relatively flexible and can better adapt to market changes and meet the diverse needs of customers. Therefore, as a joint-stock commercial bank, Rizhao Bank can maintain steady development in the increasingly fierce competition in the financial market and provide customers with better financial services.