No, according to the information of Ninghai Rural Commercial Bank, it is known that it is not a rural credit cooperative. Ninghai Rural Commercial Bank (RCB) is a joint-stock local financial institution invested and established by farmers, rural industrial and commercial households, corporate legal persons and other economic organizations within its jurisdiction. There are differences among rural commercial banks, rural cooperative banks and rural credit cooperatives in terms of establishment conditions, equity setting, corporate governance structure and service focus.