Rural credit cooperatives are rural cooperative financial institutions approved by the China Banking Regulatory Commission, which are composed of members' shares and implement democratic management of members, mainly providing financial services for community members.
Rural credit cooperatives have been rolled out all over the country in accordance with the reform plan of "clarifying the property right relationship, strengthening the restraint mechanism, enhancing the service function, appropriately supporting by the state and being responsible by the provincial local government", and provincial rural credit cooperatives have been established in various provinces and cities to be responsible for the "management, guidance, coordination and service" of rural credit cooperatives in various provinces and cities.
After the reform, there are three main modes of rural credit cooperatives: 1 and rural credit cooperatives. 2. Rural commercial banks. 3. Rural cooperative banks.
The provincial rural credit cooperatives invested in the establishment of rural credit cooperatives' fund settlement centers, realized the deposit and withdrawal business among rural credit cooperatives, rural commercial banks and rural cooperative banks, opened bank cards, joined the modern payment system of the People's Bank of China, and realized the inter-bank deposit and withdrawal business.
Credit cooperatives coexist with society. The reform of credit cooperatives is managed by the province, so it plays a functional role for social development together with * * *. At present, the rural economy is mainly supported by credit cooperatives, which have long-term cooperative relations, and credit cooperatives occupy favorable conditions, favorable geographical conditions and people. It is impossible for foreign banks to develop in rural areas. The software and hardware of rural credit cooperatives compete with the four major state-owned commercial banks, and the total deposits are second only to ABC, ICBC and CCB, exceeding 3 trillion.
Credit cooperatives have opened the universal deposit and withdrawal service, which is much more convenient than the previous single withdrawal method, and the personnel are constantly optimized.
Similarities:
All belong to financial institutions. Handle deposit and loan business and fund settlement business.
Difference:
1. The business scope of credit cooperatives is generally to provide various financial services for rural and urban populations, such as "special bank card service for migrant workers" and "small credit loans for farmers". Banks generally provide financial services for people in big towns and above the county level, with relatively rich varieties.
2, credit cooperatives are county-level associations, as an independent accounting legal entity, set up branches below the county level; The bank has many branches. A branch is a non-independent business unit, usually a first-class legal entity.
Question 2: What kind of bank is Sichuan United Bank? Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members. Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury. Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zheng Tong Rural Credit Cooperatives Training School, Credit Department of Rural Credit Cooperatives, etc. It is a department under the dual leadership of CBRC and the State Council.
Question 3: What bank does Sichuan Rural Credit Cooperative belong to? Rural credit cooperatives do not belong to banks.
Rural credit cooperatives are rural cooperative financial institutions approved by the China Banking Regulatory Commission, which are composed of members' shares and implement democratic management of members, mainly providing financial services for community members.
Question 4: What kind of bank is China Sichuan Rural Credit Cooperative Rural Commercial Bank? The branches of Chengdu Rural Credit Cooperatives do not belong to Sichuan Rural Credit Cooperatives at present.
All the credit cooperatives in Sichuan are under the jurisdiction of Sichuan Credit Union, but now Chengdu Rural Credit Union has been restructured into Chengdu Rural Commercial Bank, becoming a joint-stock commercial bank, and its rights such as management rights and personnel rights have become relatively independent, while the credit cooperatives in other cities in Sichuan Province are still under the jurisdiction of the provincial credit union.
Chengdu Rural Commercial Bank is a joint-stock commercial bank reformed and established on the basis of the former Chengdu Rural Credit Cooperative with the approval of the State Council and China Banking Regulatory Commission. It was listed on 20 10 and 10 with a registered capital of 5.898 billion yuan. It is the first rural commercial bank established in a sub-provincial city in China. Chengdu Rural Commercial Bank has 629 outlets all over urban and rural areas, which is the banking financial institution with the largest number of outlets and the widest coverage in Chengdu.
Question 5: Do all branches of Chengdu Rural Credit Cooperatives belong to Sichuan Rural Credit Cooperatives? First, credit cooperatives have joined China UnionPay, and their accounts can be transferred to each other, and their accounts can also be transferred to other banks, but the fees are different.
Second, all the credit cooperatives in Sichuan are under the jurisdiction of Sichuan Credit Union, but now Chengdu Rural Credit Cooperative has been restructured into Chengdu Rural Commercial Bank and become a joint-stock commercial bank, and its rights such as management rights and personnel rights have become relatively independent, while credit cooperatives in other cities in Sichuan Province are still under the jurisdiction of the provincial credit union.
Question 6: What is Sichuan Rural Credit Cooperative? Rural credit cooperatives do not belong to banks.
Rural credit cooperatives are rural cooperative financial institutions approved by the China Banking Regulatory Commission, which are composed of members' shares and implement democratic management of members, mainly providing financial services for community members.
Question 7: What are the branches of Sichuan Rural Credit Cooperatives? Rural credit cooperatives: Rural credit cooperatives after the reform of rural cooperative financial institutions mainly have the following three modes: 1, rural credit cooperatives. 2. Rural commercial banks. 3. Rural cooperative banks.
Sichuan Rural Credit Cooperatives: It is a branch of credit cooperatives under the leadership of Sichuan Provincial Association. Just like Bank of China, there is the head office of Bank of China, which is distributed to provincial branches in all provinces and then to municipal branches in all cities and counties.
Question 8: What bank does Sichuan Rural Credit Cooperative belong to? It belongs to the credit union!
Question 9: Are Sichuan Rural Credit Cooperatives (cooperative banks) the same as Sichuan Rural Credit Cooperatives Association? Actually, they are the same.
Question 10: Sichuan Rural Credit Cooperatives (cooperative banks) currently have no online banking services.
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