Rural Credit Cooperatives in 1956

The dividends of the credit cooperatives have little to do with the assets of the credit cooperatives, and the dividend ratio is not the same every year, because the shares of the credit cooperatives are not listed, so they will not increase according to the increase in assets, but the credit cooperatives set the interest rate according to their own profits, and the benefits are higher than the one-year regular interest rate, and the benefits are not good and sometimes the one-year regular interest rate is not high. It will not be given to you because you have not received dividends for so many years, like a 5-year fixed rollover, or the interest rate is calculated year by year. It stands to reason that you should receive your dividends once a year, because credit union dividends are divided once a year.

If you can't receive it, there are several possibilities, one is because the number of years is long, the dividends have been misappropriated and cannot be verified, and the other is that the amount of shares is small, and the dividends have not been received for a long time, and they may be concentrated into a packaging account. You only have to come to the door a few more times to ask the credit union to pay attention to it, because I believe that the credit union you bought the stock cannot solve it, and if you want them to report upward, it is estimated that it will take a while to solve the problem.

After the restructuring of the Rural Commercial Bank, which one will be in charge?

You owe money to the credit union, and they'll do whatever it takes to get it! But we the masses have handed over the stock gold, and the stock certificate in our hands is a piece of waste paper! Only ** can do justice for us! But I went to ** to find ???

What kind of certificate is yours, and I have one.

Now it's generally double giving. You used to be ten pieces. Now give twenty. At least that's how we are. I work at a credit union. That's a lot to see.

Go to the credit union for an explanation.

It's useful, and it can be exchanged, but there's no need to exchange it.

If the amount of the stock certificate you hold (the receipt is useless) is small, it is better to keep it for antiques, which may be worth more than you go for exchange. In the early days, China's rural credit cooperatives were established by relying on the peasants' fund-raising and pooling the principal of one, two, three, five, and ten yuan. The original promised operating benefits were distributed annually, and dividends were actually distributed in the early days, but because of poor management, many rural credit cooperatives (some of which have been reorganized into rural commercial banks) suffered operating losses in the later period, and did not pay dividends to shareholders at all.

In 2005, the China Banking Regulatory Commission issued a notice on the Guidelines for the Examination and Approval of the Establishment of County (City) Rural Credit Cooperatives (Yin Jian Fa 2005 No. 58). Point (5) of the document is the provision on the handling of the original share capital: The preparatory working group shall, in accordance with the actual local situation, formulate a plan for the confirmation and liquidation of the shares of the members of the former county association and the rural credit cooperative, and confirm and liquidate the share capital after being deliberated and approved by the general meeting of the members (representatives) of the former county association and the rural credit cooperative.

Therefore, according to the arrangement of the People's Bank of China and the China Banking Regulatory Commission, since 2005, rural credit cooperatives in various parts of China have begun to carry out equity reform, clean up and standardize the shareholding ratio of original members, and reintroduce strategic investors.

After formulating the relevant plan in 2005, in 2006, the old shares were cleared in a centralized manner, and announcements and notices were made at that time. For those who do not claim within the specified time, the principal and interest will be directly deposited into the general fund account of the rural credit cooperatives at one time, and the interest will be calculated in the form of demand deposits.

Now, as long as you are a regular stock certificate stamped with the official seal of the rural credit cooperative, it can be exchanged. However, if you go directly to the outlets in your village for consultation, after many years, many new employees do not know these things, and the unclaimed funds are generally in the headquarters of the rural credit cooperative, so you may need to go to the headquarters of the rural credit cooperative in your county to consult and handle. As mentioned at the beginning, if the amount of money you hold is small, it is better to keep it as an antique.

At least you can save money on gas!

That's it! For example, if your family invested 4 yuan in 1980, it will be 100 yuan this year, and the cost of going back and forth to the county is estimated to be more than this amount.

Last time I brought it to the bank and said it didn't work.

Equity is a product of cooperative finance.

Cooperative finance is based on the union or cooperation of funds, such as rural credit cooperatives.

In order to realize this kind of union, all members are required to pay a certain amount of admission fee, thus forming the original investment of cooperative finance, so the entry fee paid by the members constitutes the original investment of the cooperative, that is, the share capital.

Cooperative financial organizations generally clearly stipulate that their shares are owned by individual investors, and they must be invested when they join the company, and they can withdraw when they withdraw from the company. For this part of the shares, the cooperative financial organization pays dividends, that is, pays the owners of the resources for the cost of using the resources. In this way, in a cooperative financial organization, each member is the holder of the shares.

In addition, due to the unique system of cooperative financial organization training and organization, the amount of shares owned by each member is limited, and the lower limit is the entry fee for individuals to enter the cooperative financial organization, and the upper limit is the maximum limit of the subscription share stipulated by each cooperative financial organization.

Rural credit cooperatives refer to those operated by the People's Bank of China.

Approved the establishment of a rural cooperative financial institution composed of members' shares, with democratic management by the Qing Dynasty, and mainly providing financial services to members.

County associations with individual credit unions.

The relationship is equivalent to the relationship between the head office and the sub-branch. Rural credit cooperatives are independent enterprise legal persons, which bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Their property, legitimate rights and interests, and business activities carried out in accordance with the law of the state are protected by the laws of the state.

Its main task is to raise idle funds in rural areas and to provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and regulate rural areas, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on usury.

Rural credit cooperatives are divided into the following departments: rural credit cooperatives and rural credit cooperatives international finance.

Departments, such as the Zhengtong Rural Credit Cooperatives Training School, the Rural Credit Cooperatives Credit Department, etc., are departments under the dual leadership of the China Banking Regulatory Commission and the China Banking Regulatory Commission.

Farmers participate in credit unions.

Payments made on the shares subscribed. It's a credit union.

One of the funds for conducting business**. People's Bank of China in 1951.

The draft guidelines for the articles of association of rural credit cooperatives issued stipulate that members are required to pay at least one share per person (household) to join the cooperative, and each share is 22 catties to 30 catties of millet.

The "Draft Model Articles of Association of Rural Credit Cooperatives" issued in 1957 stipulates that the dividends of shares shall not exceed 40% of the net profit, and the implementation varies from place to place. In 1978, in order to implement the economic policies of the Party and the state in the rural areas, the State Bank stipulated that, in principle, the dividends of the members' shares that should have been shared but not distributed before 1977 should be supplemented.

Credit union equity is also known as credit union**. Contributions made by farmers to credit cooperatives for the shares they have subscribed. It is one of the funds for the credit union to conduct business**.

In 1951, the People's Bank of China issued the "Draft Guidelines for the Articles of Association of Rural Credit Cooperatives", which stipulated that members were required to pay at least one share per person (household), and each share was 22 to 30 jin of millet. Subsequently, no uniform provisions were made.

In 2005, the China Banking Regulatory Commission issued the Guidelines for the Examination and Approval of the Establishment of County (City) Rural Credit Cooperatives, in which the document set out clear requirements for the liquidation of the shares of rural credit cooperatives, and after deliberation by the congress of the members of the county associations, the liquidation of the shares will be carried out in accordance with the established plan.

In 2005, our local rural credit cooperatives made a statement on the old stock funds over the years, and I will give you an example below, which is contained in our local "Announcement on Clearing and Regulating the Stock Funds of Past Years within a Time Limit".

Legal Guess Analysis: As far as the shares of rural credit cooperatives are concerned, the policies of rural credit cooperatives in various regions are also different. Most of them belong to internal shares, and the dividends are related to the operating efficiency of the rural credit cooperatives that issue shares.

Normally, if you transfer shares, the share price is the share price stipulated by the rural credit cooperatives for the current year**.

Legal basis: Civil Code of the People's Republic of China

Article 55: Where members of rural collective economic organizations lawfully obtain the right to contract and operate rural land and engage in household contract management, they are rural contracted households.

Article 56: Where an individual business operates an individual, the debts shall be borne with personal property; if it is run by a family, it shall be borne by the family property; where it is impossible to distinguish between them, they shall bear it as family property.

The debts of rural contracted business households shall be borne by the property of rural households engaged in rural land collision type contracted management; In fact, if it is operated by some members of the farmer's household, it shall be borne by the property of that part of the member.

Summary. 84 years of credit union stock certificate is a valid certificate of shares, the current credit unions have been renamed rural commercial banks, or city banks, the previous credit union stock certificate needs to go to the headquarters for processing, confirmed as the new unit of the stock certificate.

84 years of credit cooperatives stock certificate transport difference Pei Ming is a valid certificate of shares, the current credit cooperatives have been renamed rural commercial banks, or city banks, only to handle the previous credit union shares and gold certificates need to be processed at the headquarters, confirmed as the new Qingqing unit of the stock certificate.

Today, when I was tidying up my house, I found that my deceased uncle had left behind a credit union on May 26, '84.

Co-shares. This is the certificate of stake for the current year.

Right. It can be exchanged for a new share warrant now, and there were dividends before.

Dividends can be claimed.

There is no bonus column.

There is no dividend column on the national financial certificate, but if the dividend is paid separately every year, if the dividend is not received, it is temporarily stored in the original credit union account.

How much should you give if you want to redeem it now.

In addition to dividends, there may also be gifts, and the number of shares may also increase, and it is impossible to estimate how much can be exchanged at this time.

It is necessary to find the institution that is receiving it now, and it is generally the rural commercial bank to understand.