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Rural credit cooperatives are the abbreviation of rural credit cooperatives, which are cooperative financial organizations formed by farmers and other individuals in rural areas with mutual assistance as their main purpose, and are collective cooperative financial institutions organized in rural areas according to the principle of voluntariness.
The characteristics are: invested by farmers, and the funds are given priority to serve the loan needs of the members.
There is no essential difference between the operational characteristics and management system of rural credit cooperatives and those of the four major state-owned commercial banks, but they are far weaker than those of the four major state-owned commercial banks in terms of financial strength.
In addition, rural credit cooperatives are banking financial institutions, the so-called banking financial institutions are also called depository institutions and deposit money banks, and their common characteristics are that they take deposits as their main liability, issue loans as their main assets, and handle transfer and settlement as their main intermediary business, and directly participate in the process of creating deposit currency.
Rural credit cooperatives are also credit cooperative institutions, and the so-called credit cooperative institutions are cooperative financial institutions with mutual assistance as the main purpose formed by individuals raising funds, referred to as "credit cooperatives", which carry out deposit and loan business among their members for the purpose of mutual assistance and self-help. The establishment of credit cooperatives is directly related to the development of the natural economy and the development of the small commodity economy. Due to the seasonality, scattered, small amount, and small-scale characteristics of agricultural producers and small commodity producers' demand for funds, it is very difficult for small producers and farmers to obtain support from bank loans, but objectively the development of production and circulation must solve the difficulty of insufficient capital.
As a banking financial institution, rural credit cooperatives have their own characteristics, which are mainly manifested in:
1. Farmers and other individuals in rural areas are jointly formed by raising funds and taking mutual assistance as the main purpose of the cooperative financial group.
The business operation is managed and operated by the designated personnel of the members on the basis of democratic elections, and is responsible to the members. The highest authority is the Members' Congress, and the executive body responsible for the management of specific affairs and business operations is the Board of Directors.
2. The main funds are the shares paid by the members of the cooperative, the retained provident fund and the deposits absorbed; The loan is mainly used to meet the financial needs of its members. At first, it mainly issued short-term loans for production and living and consumer loans, but with the development of the economy, the lending channels were gradually expanded, and now there is no difference between them and commercial bank loans.
3. Since the business object is a member of the cooperative, the business procedures are simple and flexible.
The main tasks of rural credit cooperatives are: to organize and regulate rural areas in accordance with the provisions of state laws and financial policies, to support agricultural production and comprehensive rural development, to support various forms of cooperative economy and members' family economy, and to restrict and crack down on usury.
The core purpose and policy) are all in it, please share it yourself, OK!
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1.What is Finance?
gold, gold; Integration, integration; Finance – the integration of gold. Ancient and modern, Chinese and foreign, **, because of its indestructible, highly plastic, relative scarcity, infinite separability, homogeneity and bright color and other characteristics, has become one of the most ideal representatives, storage, stabilizers and medium of exchange of economic value, and therefore has become the object of the world's love and pursuit. [More details].
2.What is Finance?
Finance refers to the financing of monetary funds, which can be divided into direct finance and indirect finance, the difference between these two types of financing is whether there is financial institution involvement, if not, it is direct finance, and if there is indirect finance. [More details].
3.What is a financial product?
Financial products refer to the carriers of various economic values, such as cash, **, **, etc. For example, we say that Zhang San is very rich, but he bought ** for 3 million yuan, and now the market value of these ** is less than 1 million. From this column, we see that value is transformed and exists in different carriers.
Except in rare cases, such as gold bars, gold bricks, etc., this kind of carrier often exists in the form of non-physical valuables, so it is also called financial assets. In addition, financial products are also called financial instruments because they can be used to make profits. The above-mentioned Zhang San used money to buy ** just to use ** as a financial tool to make money.
To put it simply, the financial market is the market where all financial products are traded, and it is also the market where all financial practitioners practice. Financial markets can also be referred to as the financial system, although it is far from perfect. Since the financial market is the market where all financial products are traded, it involves a wide range of fields and contents.
5.What is a Financial Institution?
Financial institutions refer to financial intermediaries engaged in the financial services industry, as part of the financial system, financial services industry includes banking, insurance, trust, and other industries, correspondingly, financial intermediaries also include banks, companies, insurance companies, trust and investment companies and management companies. [More details].
6.What is a financial crisis?
A financial crisis refers to a financial-related crisis, that is, a crisis in financial assets, financial markets, or financial institutions, such as stock market crashes, financial institution failures, etc. In the above-mentioned cases, financial crises have occurred from time to time at home and abroad. However, depending on the market and country, if the individual crisis is not handled in a timely and poor manner, it can easily turn into a systemic financial crisis.
The global financial crisis triggered by the United States is a good example. Subprime mortgages are just a branch of the financial tree of the United States, and its rupture has not been dealt with in a timely manner, resulting in the almost complete collapse of the entire tree, which in turn leads to a global financial catastrophe. [More details].
7.What is a systemic financial crisis?
Systemic financial crises are those crises that affect the entire financial system and even the entire economic system, such as the financial crisis in the United States that triggered the Great Depression in the West in the 1930s, the Japanese financial crisis that led to the sluggish Japanese economy in the 1990s, and the Asian financial crisis that hit Southeast Asia in the second half of 1997. [More details].
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There is no difference between the two.
The association of rural credit cooperatives refers to the union of rural credit cooperatives. Rural credit cooperatives are independent enterprise legal persons, which are liable 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.
The main task of rural credit cooperatives is to raise idle funds in rural areas and 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, rural credit cooperatives international financial department, Zhengtong rural credit cooperatives training school, rural credit cooperatives credit department, etc., which are currently led by the China Banking Regulatory Commission and the first department.
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Before the county level did not engage in a unified legal person in 2005, the rural credit cooperatives in each township were almost a separate legal person, and the county-level cooperatives were also a separate legal person, after the unified legal person in 2005, there was only one legal person in a county, and the unified name was XX County Rural Credit Cooperatives, that is, the original legal personality of each township credit cooperative was cancelled, so now the rural credit cooperatives are actually equivalent to the branches of state-owned commercial banks, and the rural credit cooperatives are equivalent to the head office or management agencies.
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Rural credit cooperatives are the main force of rural finance, and credit cooperatives are the county-level management organs of rural credit cooperatives, but at present they are each a legal person, and in the future, the national rural credit cooperatives will be gradually reformed into three forms: rural commercial banks, rural cooperative banks, or the establishment of county-level legal person rural credit cooperatives.
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It's the same, but it's called differently.
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Bank cards are also different according to different bank digits, generally there are 16 digits, 17 digits, 18 digits and 19 digits of bank cards are divided into debit cards, quasi-credit cards, credit cards, and bank cards generally carry UnionPay, VISA, Master, JCB and other logos.
Generally, cards starting with 6 are UnionPay cards, cards starting with 4 are cards with the Visa logo, cards starting with 5 are cards with Master, and cards starting with 3 are cards with the JCB logo.
The first few digits of a card with the same logo in a bank's card are the same, for example, China Merchants Bank, the card with the UnionPay logo starts with 62258, the VISA logo starts with 4392, the MASTER logo starts with 5186, and the card with JCB starts with 3568.
For example, in China Construction Bank, the debit card starts with 4367, which is 19 digits, and the credit card with the Visa logo also starts with 4367, but it is 16 digits.
Generally, the number of debit cards is 16 digits, and the number of debit cards varies from 16 to 19 digits depending on the bank.
ICBC's current cards are all 19-digit ABC cards, which can be divided into debit cards, quasi-credit cards and credit cards.
There are 19 debit cards of the Agricultural Bank of China.
ABC credit card is 16 digits.
The first five digits are 95599
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1. Is the lobby manager considered an idle job?
A: It's stressful, but it's less stressful than others
Second, the treatment of the lobby manager, in addition to the basic salary can be as good as those tellers Answer: the same, third, whether to sign a contract with an outsourcing company or with a credit union.
A: It is usually signed with a credit union
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Responsible for guiding customers to handle business, the lobby managers of credit unions are all internal staff who rotate out to be on-duty lobby managers, and there are few professional lobby managers.
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1. Rural credit cooperatives are open from Monday to Sunday, from Monday to Friday at 8 a.m. and 5 p.m., without rest at noon, and can do business at any time.
2. However, Saturdays and Sundays are not open for business or units, that is, personal savings business. The number of hours at work was also changed to 9; 30-16;00, there is no rest at noon, and employees implement shifts.
3. Rural credit cooperatives in the city: the working time is usually at 7:40 in the morning, waiting for the escort handover - 8 o'clock in the morning (9 o'clock in some places).
Half an hour break at 12 noon (there is no rest in some urban areas, only loan officers, counter chiefs, and directors can rest until 14 o'clock to work), close at 17:50 in the afternoon, and leave work at 19 o'clock.
4. Rural credit cooperatives are open from Monday to Sunday, from Monday to Friday at 8 a.m. and 5 p.m., without rest at noon, and can do business at any time. However, on Saturdays and Sundays, it is closed to corporate or corporate business, and can only handle personal savings business. The working time is usually 9:00
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It's a whole day to work.
There are no half-day and half-day shifts.
In particular, the cash business involves cash boxes and cannot be replaced halfway.
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Different places should have different working hours.
Here I am. 8 a.m. to 6 p.m.
However, usually around 5:40 p.m., the cash cart comes.
10 hours a day, but 2 days off and 1 off
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Loans must be processed from Monday to Friday. (Branches in various regions) handle savings business from 9:00 to 17:59 every day.
The above is in the city.
In rural areas, statutory holidays may be half-day and half-day, 10:00-16:00.
There are exceptions, depending on the local situation, you can consult the bank you will often go to in the future.
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All work 8 hours.
But I know how to tune, that is, I won't sit at the counter all day, for example, in the morning at the counter, in the afternoon to count or something.
However, credit unions are generally more leisurely and not busy at work.
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It is recommended that you take the International Business or Logistics Management exam.
It will be easier to find a job in the future.
But to be honest, this has little to do with the civil service exam. After all, it will be needed for all majors recruited at that time.
These two majors are recommended for the sake of preparation for both.
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All you have to do is do what you want to do.
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It doesn't matter, if you go to a good university, no matter what major you study, as long as you work hard enough, you can achieve these goals.
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Didn't you say 250 points, why do you only see 200 points?
If you want to be a feudal official, you should learn the law openly, attack the thick and black, and cleanse the human odor on your body, so that it is possible. Go all the way!
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Help you get rid of a specialty, creature. If you want to study biology, you can only meet the fifth and sixth two items.
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I suggest you avoid those popular majors and think less about good things, because officials are not easy to do. My opinion is that technology comes first. If you don't care about working in a marginal area, it is recommended that you choose an energy major, as far as the current international situation is concerned, the energy major will still be very hot in 50 years, because there are not many people willing to go to remote areas, and the competition is small.
At the same time, energy is related to the lifeblood of the country, and most of them are state-owned enterprises, and they are expected to change politics in the future. But if you want to change politics, you must first learn professional courses to stay in the company, and at the same time, you must have a sense of knowledge reserves, hide in your spare time to learn some management knowledge, do a good job in colleague relations, and pay attention to seizing the opportunity to express yourself.
The first step is to go to your local credit union.
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