China · Financial institution
Xiamen Rural Commercial Bank CO., Ltd.
Legal name in the LEI record厦门农村商业银行股份有限公司
Xiamen Rural Commercial Bank Co., Ltd. is a joint-stock rural commercial bank headquartered in Xiamen, Fujian province, China. It was converted from the Xiamen Rural Credit Cooperative Union and opened as a commercial bank on 16 July 2012. Its shares are widely held, and according to a February 2026 filing its largest shareholder, Xiamen Xiangyu Asset Management and Operation Co., Ltd., holds 9.31%. The bank serves agricultural, small-business and community customers, and it founded three village banks in Henan province and Xiamen Financial Leasing Co., Ltd.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- RCXMCNBAXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under RCXMCNBA directly.
- Swift GPI
- Member, not yet live
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2013-06-15
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Mixed ownership
Institution type
Commercial bank
Trades as Xiamen Rural Commercial Bank (厦门农商银行)
- Ownership
- Shareholding is dispersed among state-owned enterprises and individuals, and the largest holder, Xiamen Xiangyu Asset Management and Operation Co., Ltd., holds 9.31%.
- Major shareholders
- Xiamen Xiangyu Asset Management and Operation Co., Ltd. (厦门象屿资产管理运营有限公司) 9.31% · 5 Feb 2026
Xiamen Port Holding Group Co., Ltd. (厦门港务控股集团) 6.96% · 31 Dec 2024
Xiamen C&D Exhibition Holding Co., Ltd. (厦门建发会展控股有限公司) 6.95% · 31 Dec 2024 - Head office
- 31 Donggangbei Road, Huli District (湖里区东港北路31号), 361013 Xiamen, China (registered office: 中国（福建）自由贸易试验区厦门片区东港北路31号（1层、17层、19层、27-28层、30-31层）, 361006 厦门市, China (per LEI record))
- Former name
- Xiamen Rural Credit Cooperative Union (厦门市农村信用合作联社)
Business lines
The bank describes its market position as rooted in the local economy, serving agriculture-related and small and micro business customers. It also offers international settlement, trade finance and interbank business.
Online
- Websites & references
- rcbxm.com ↗ did not load when checked
fjnx.com.cn ↗ Bank's website hosted on the Fujian Rural Credit Union platform (loads; carries reports and notices) - Official social accounts
- None found
Sources · 10 pages consulted
- fjnx.com.cn/xmnsh/index/index.html
- fjnx.com.cn/xmnsh/gywm/nxjs/nxjj/index.html
- fjnx.com.cn/xmnsh/gywm/lxwm/index.html
- fjnx.com.cn/xmnsh/gywm/tzzgx/ndbg/index.html
- fjnx.com.cn/xmnsh/ywcp/gjyw/dgkjjrfw/index.html
- static.cninfo.com.cn/finalpage/2026-02-07/1224971679.PDF
- news.qq.com/rain/a/20250405A06OFA00
- bank.cnfol.com/yinhangyeneidongtai/20230928/30412659.shtml
- financeun.com/newsDetail/33933.shtml
- finance.sina.com.cn/roll/2024-03-20/doc-inanxxcv6191407.shtml
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Xie Binqiao (谢滨侨) Legal representative (法定代表人)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- China
- National Financial Regulatory Administration (Xiamen Office) Prudential supervisorConduct
- China
- People's Bank of China Central bankAML supervisor
- China
- State Administration of Foreign Exchange Foreign exchange
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
The NFRA Xiamen Office fined the bank CNY 500,000 for repeated misreporting of regulatory statistical returns after failing to implement rectification.
bank.cnfol.com ↗ -
Enforcement
The NFRA Xiamen Office fined the bank CNY 300,000 for failing to provide reports and statements as required.
bank.cnfol.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- RCXMCNBAXXX
- How the BIC breaks down
- RCXMBank
- CNCountry · China
- BALocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 3003000D2JSBRBC3LA90
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- China · East Asia & Pacific
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- GANGWU BUILDING FLOOR 18 31 DONGGANGBEI ROAD XIAMEN 361000 CHINA
- Operational address
- GANGWU BUILDING 31 DONGGANGBEI ROAD XIAMEN 361000 XIAMEN CHINA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>RCXMCNBAXXX</BICFI>
<LEI>3003000D2JSBRBC3LA90</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>RCXMCNBAXXX</BICFI>
<LEI>3003000D2JSBRBC3LA90</LEI>
<Nm>XIAMEN RURAL COMMERCIAL BANK CO., LTD.</Nm>
<PstlAdr>
<TwnNm>XIAMEN</TwnNm>
<Ctry>CN</Ctry>
<AdrLine>GANGWU BUILDING FLOOR 18 31 DONGGANGBEI ROAD XIAMEN 361000</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Claim this profile
Work at Xiamen Rural Commercial Bank CO., Ltd.?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo