Is it safe to deposit money in rural commercial banks? Is it safe to keep money in rural commercial

Safe, but don't deposit too much money in the bank card, it is recommended that if you have a lot of money and don't use it, you should go to the bank to deposit a fixed term, which is both safe and high. Rural Commercial Bank is referred to as Rural Commercial Bank, and both titles refer to the same bank;

Generally, rural commercial banks in various places are accustomed to be preceded by place names, such as: Shanghai Rural Commercial Bank, Beijing Rural Commercial Bank, etc.

Rural Commercial Bank:

Rural Commercial Bank (Rural

commercial

BANK) is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction.

1. Rural Commercial Bank, referred to as Rural Commercial Bank, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction.

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Rural commercial bank deposits are relatively safe.

Rural commercial banks are formal commercial banks, which belong to collectively owned enterprises and are under the jurisdiction of provincial SASACs, which can be regarded as local state-owned enterprises.

According to the latest "Deposit Insurance Regulations" issued by China, once a commercial bank applies for bankruptcy and collapses, the amount of personal deposits within 500,000 yuan can be paid in full.

Rural commercial banks are an important part of China's banking industry, and at present, the number of rural commercial banks is still relatively large, and the number of legal entities of rural commercial banks in the country has reached several hundred.

Although the overall scale of these rural commercial banks is relatively small and their competitiveness is not so strong, compared with other large banks, rural commercial banks also have their own advantages, that is, they are more flexible in operation, and the deposit interest rates they give are higher than those of the six major state-owned banks and the 12 banks with shares.

No bank is absolutely safe, it is relatively safe, as long as it is a state-recognized bank, it is relatively safe. Even if the bank is opened in the countryside, it is only relative to the bank in the countryside, and it doesn't matter which bank is safe or not, even if the rural commercial bank is closed, your money is still in the commercial bank, so there is no need to worry.

Answer pro, hello, deposits in rural commercial banks are very safe, first of all, rural commercial banks belong to the category of commercial banks, it is approved by the China Banking Regulatory Commission, so its risk protection is very strong, if you go to the rural commercial bank to make deposits, then the deposit is to enjoy the protection of the banking insurance regulations, the principal does not exceed 500,000 yuan of deposits, the bank will pay in full, that is to say, all bank deposits in China, as long as it does not exceed 500,000 yuan, can achieve principal and interest protection.

And it is for individual deposits, not household deposits. So it's very secure. According to the current data, 500,000 yuan covers the deposit category of 96% of Chinese residents, and only a small number of people's deposits will exceed this standard.

Summary. The rumor that the deposit should never be deposited in the rural commercial bank is not credible. Stop believing those who say that the rural commercial bank will go bankrupt and put the money in it will be wasted.

Moreover, there is a big difference between rural commercial banks and village and township banks, so they should not be confused. Some time ago, the problem of difficulty in withdrawing money from several village and town banks in Henan and Anhui was frequently on the hot search, and with the announcement of the Xuchang Public Security, it was undoubtedly a basin of cold water for these people who wanted to withdraw money. When going to a rural commercial bank to make a deposit, you must understand these questions.

The rumors that thousands of deposits are rented and rented out are not credible in rural commercial banks. Don't believe the words that say that the rural commercial banks will go out of business, and that the money will be wasted if you put it in it. Moreover, there is a big difference between rural commercial banks and village and township banks, so they should not be confused.

Some time ago, the problem of difficulty in withdrawing money from several village and town banks in Henan and Anhui was frequently on the hot search, and with the announcement of the Xuchang Public Security, Wuqi Bo suspected that it was a basin of cold water for these people who wanted to withdraw money. When going to a rural commercial bank to make a deposit, you must understand these questions.

The predecessor of the Rural Commercial Bank was the Rural Credit Cooperative, which was directly managed by the People's Bank of China before the Rural Shelter Credit Cooperative, and it can also be said that the Rural Credit Cooperatives were branches of the People's Bank of China before. It is only in order to adapt to the development of the economy that it has been changed to a rural commercial bank.

Moreover, the rural commercial bank is a bank dominated by the local **, and it is relatively safe to deposit money in it. On the one hand, the Rural Commercial Bank has the endorsement of the local ** for its Xindan, and on the other hand, the Rural Commercial Bank is subject to the supervision of the Central Bank and the China Banking and Insurance Regulatory Commission. Therefore, it is relatively safe for Chishu depositors to deposit all their money in rural commercial banks.

In addition, in accordance with the relevant regulations of the state, the Rural Commercial Bank has joined the deposit insurance, and according to the deposit insurance regulations, deposits of less than 500,000 yuan can be fully compensated.

It is safe, the interest will be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit when withdrawn at maturity, the interest will be calculated according to the current savings deposit interest rate on the date of withdrawal for early withdrawal, and the interest will be calculated according to the current deposit interest rate on the day of withdrawal for overdue withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

For unexpired fixed savings deposits, depositors must present the certificate of deposit and the depositor's identity certificate for early withdrawal; If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher.

Rural commercial bank deposits are relatively safe.

Rural commercial bank deposits are relatively safe. Rural commercial banks are formal commercial banks, which belong to collectively owned enterprises and are under the jurisdiction of the provincial SASAC, which can be regarded as a local state-owned enterprise. According to the latest "Deposit Insurance Regulations" issued by China, once a commercial bank applies for bankruptcy and collapses, the amount of personal deposits within 500,000 yuan can be paid in full.

Extended information: 1. First of all, let's take a look at whether the rural commercial bank is likely to go bankrupt. More than 10 years ago, there was basically no possibility of the collapse of China's banks, and at that time, even if the banks were not operating well and might face the risk of collapse, at least the state would have the back.

2. However, in the past few years, China's regulatory authorities have officially allowed banks to go bankrupt, and if the major dusty banks have suffered a serious decline in asset quality and profits due to poor management, and may face the risk of bankruptcy at any time, then they will enter the bankruptcy procedure according to the normal process.

3. So theoretically speaking, there is a possibility of bankruptcy of rural commercial banks, and in reality, there are indeed some bank failures in China, for example, some time ago Baoshang Bank officially entered the bankruptcy bending procedure, although Baoshang is not a rural commercial bank, just an ordinary urban commercial bank, but in fact, its nature is similar to that of rural commercial banks.

4. It can be seen that it is possible for rural commercial banks to fail, but from a practical point of view, in fact, the vast majority of rural commercial banks are not so easy to fail, on the whole, the current rural commercial banks are still very safe, and this security guarantee is mainly reflected in several aspects.

5. The overall operating conditions of rural commercial banks are relatively good. In the past few decades, China's economic development has been rapid, the economic system is relatively healthy, and the bank is a financial institution serving the economic system, in the overall economic situation, most of the banks are operating well, the performance of most banks in the past few decades is very bright, whether it is operating income or net profit has seen rapid growth, the scale of assets has also continued to grow and develop. Judging from the actual operation of rural commercial banks at present, the major rural commercial banks are relatively healthy, so there are few cases of bankruptcy.

It is very safe to deposit time in the Rural Commercial Bank. Even if the bank fails in the future, the personal certificates of deposit will not be affected. It can be taken out normally after expiration.

At present, only bank deposits in our country are absolutely safe in the world.

Hello this friend, I will tell you about this thing, the Agricultural Bank of China is a state-owned enterprise and it is very safe. You can go for a savings business with confidence.

In fact, there is also a certain risk in the deposits of rural commercial banks, of course, the main risk is the risk of bank failure on the one hand, and the risk of currency depreciation caused by inflation on the other hand.

In fact, there is a certain amount of protection for the risk of bank failure, and the user's deposit in the bank is protected by the deposit insurance system, and the guarantee amount is 500,000 yuan of principal and interest, that is, the deposit within this limit can be fully redeemed, and more than this limit will be compensated according to the bank's liquidation.

Further Information: Time Deposits, also known as"Certificates of Deposit"。The bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity.

Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

Cash and current savings deposits can be directly applied for fixed savings deposits, and the minimum deposit amount for regular account opening is 50 yuan, and there is no limit to more deposits.

The deposit period is 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period.

Interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit for withdrawal at maturity, and interest shall be calculated according to the interest rate of the current savings deposit on the date of withdrawal for early withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

For unexpired fixed savings deposits, depositors must present the certificate of deposit and the depositor's identity certificate for early withdrawal; If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher.

For unexpired fixed savings deposits, depositors can withdraw part of them in advance as needed, and the verification procedures remain unchanged, and the interest rate for early withdrawal shall be settled according to the current savings deposit interest rate announced on the withdrawal date, and the retained part shall be settled and paid at the maturity of the original deposit date and the original interest rate.

Partial early withdrawal can only be made once per certificate of deposit, and if partial early withdrawal has been made, the savings institution shall indicate this on the deposit slip that has been paid and the newly opened deposit slip for the retained part"Partial early withdrawal"Words. After March 1, 2011, lump sum deposits and withdrawals with CCB, regardless of whether they were previously deposited or subsequently deposited, can be withdrawn in part an unlimited number of times, and there is no longer a limit to one withdrawal.