Are rural commercial banks common in Shenzhen and Zhuhai?

Not universal. According to Caishi.com official website, rural commercial banks are joint-stock local financial institutions composed of rural industrial and commercial households, farmers under their jurisdiction, corporate legal persons and other economic organizations. Rural commercial banks are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets, enjoy civil rights and bear civil liabilities according to law, so they are not common in rural commercial banks in Shenzhen and Zhuhai.