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| 正面描述 | Printed entirely in dark blue on a light blue guilloche underprint. Central vignette shows a multi-storey modern institutional building. At upper left, the China Credit Union logo above the text 中国信合; at upper right, a rosette guilloche bearing the numeral 10. Vertical inscription 点钞券 at left margin; denomination 10 at lower left. |
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| 背面铭文 | 练功 专用 ZHONGGUO NONGCUN XINYONG HEZUO LIANSHE 10 1998 (Translation: For practice only.) |
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China Rural Credit Cooperative Union produced these teller training notes in the late 1990s specifically to drill counter staff in cash handling without using genuine currency. They were never legal tender and carried no monetary value, but they were printed to a standard close enough to actual RMB that new employees could practice detection, sorting, and authentication procedures under realistic conditions. The cooperative network at this period was enormous — tens of thousands of rural branches across the country, many staffed by personnel with little formal banking training.
The "中国信合" branding identifies the unified cooperative system before its 2003 restructuring under the People's Bank.