Do rural credit cooperatives have branches and sub branches?

Rural credit cooperatives.

If there is a branch, it is generally a prefecture-level city.

District) branch (the prefecture-level city subordinate to the road, county, town, township) sub-branch.

Credit Cooperatives:

Generally, it can be divided into rural credit cooperatives.

and urban credit cooperatives. These two types of cooperatives, because of the different occupations, economic and social environments of their members, are very different in their composition and business operations. In addition, in the United States, Canada and other countries, a kind of savings credit cooperative, which is used for the purpose of saving and also financing consumption funds for members, is a savings cooperative.

It can also be regarded as a type of credit union.

1) Rural credit cooperatives: Generally, farmers are members, rural areas are business areas, and credit cooperatives are mainly based on financing the funds needed for agriculture.

2) Urban credit cooperatives: credit cooperatives with cities as their business areas.

3) Savings credit cooperative: It is a credit cooperative organization specially established for the purpose of saving and serving the staff of the same factory, school and institution.

Credit unions are generally established based on the needs of their members. There are three kinds of organs: one is the general meeting of members, which is an organ of power.

The second is the board of directors, which is a sweeping organ. The third is the board of supervisors.

It is a supervisory authority.

Credit Union Cooperative: It is established based on the principle that the scale of each credit union can fully carry forward the spirit of cooperation, and the scope of the association can give full play to the economic utility.

Rural credit cooperatives have branches, but no branches; Only banks have branches. If a rural credit cooperative is upgraded to a commercial bank, it will have branches.

If you withdraw a fixed deposit from Jinyan Card, you can withdraw it directly when it expires, and the teller will use 8620 to directly withdraw your entire deposit, and the current deposit will not move, if it is not due, you can withdraw it by entering the password with your ID card and the original ID card of the main ID card of Jinyan Card; If you just want to check how much balance you don't need, thank you, I work in a credit union, if it is our Zhoukou, welcome to do business with us.

Rural credit cooperatives belong to the branches of the Agricultural Bank of China, which are generally branches of a (prefecture-level city, district) (the road, county, town and township under the prefecture-level city). The Rural Credit Cooperatives are not banks, they are bank-like rural cooperative financial institutions. Although it does not include a bank in its corporate name, its main business is basically the same as that of a bank, mainly providing financial services to rural areas.

Extended information: 1. Rural credit cooperatives, rural credit cooperatives, and rural credit cooperatives. It refers to a rural cooperative financial institution established with the approval of the People's Bank of China, composed of members' shares, practicing democratic management, and mainly providing financial services to members.

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. 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, rural credit cooperatives international financial department, Zhengtong rural credit cooperatives training school, rural credit cooperatives credit department, etc., which are currently the China Banking Regulatory Commission and state affairs.

2. 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. 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.

3. Rural credit cooperatives are divided into the following departments: rural credit cooperatives, international financial departments of rural credit cooperatives, Zhengtong rural credit cooperatives training school, rural credit cooperatives credit department, etc., which are departments under the dual leadership of the China Banking Regulatory Commission and the National Credit Regulatory Commission.

Rural credit cooperatives and rural commercial banks are different, and the conditions for their establishment are different.

Rural credit cooperatives are a cooperative financial organization that invests in farmers and serves their members.

The Rural Commercial Bank is a local joint-stock commercial financial institution used to raise idle funds or other capital components in rural areas.

Rural credit cooperatives are the predecessors of rural commercial banks, so they can be reorganized into rural commercial banks when certain conditions are met. Therefore, this can be understood on this issue: Rural credit cooperatives are not rural commercial banks, but some rural commercial banks are formed by the shareholding reform of rural credit cooperatives.

Rural credit cooperatives are local rural banking cooperative financial institutions managed with reference to the Commercial Banking Law, which are independent in nature and whose business scope is to provide various financial services to the rural and urban population.

Rural credit cooperatives are also banks officially approved by the China Banking and Insurance Regulatory Commission, and deposits in rural credit cooperatives can still enjoy the protection of the "Deposit Insurance Regulations", and the deposit is less than 500,000 yuan, and even if the credit cooperatives go bankrupt, they will be paid in full.

In addition, rural credit cooperatives have outlets in all provinces, municipalities and regions across the country, and are managed separately by each province. The current rural credit cooperatives have been renamed as rural commercial banks, referred to as rural commercial banks, and continue to provide financial services to their users.

Rural credit cooperatives do not belong to a bank, but are a rural cooperative financial institution similar to a bank, and a rural cooperative financial institution that provides financial services.

Rural credit cooperatives are local rural banking cooperative financial institutions, whose main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. Generally, it handles deposits and loans for farmers, and of course, it will also handle corporate business for companies, and certain conditions need to be met when handling loans, otherwise the loans will be rejected.

Rural credit cooperatives have their own characteristics, and 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 production and living loans and consumer loans, which were no different from commercial bank loans.

The bank's corporate business includes institutional business, ** custody, unit deposit business, fund clearing, etc., and the corporate business can only be handled from Monday to Friday (except holidays), and it can not be handled at noon from Monday to Friday, and can only be handled during the normal working hours of the bank.

The personal business of the bank includes personal savings, personal intermediary business, personal purchase of wealth management products, bank card business, personal e-banking and other businesses, which can be handled as long as the bank is working hours, but some individual businesses may need to be booked, such as large-amount withdrawals, which generally need to be booked one day in advance.

Which bank is a rural credit cooperative?

Rural credit cooperatives are rural credit cooperatives. The rural cooperative financial institutions, which mainly provide financial services for members, are approved by the China Banking Regulatory Commission, and then formed by the members of the company, and implement a democratic management mechanism. The main task of rural credit cooperatives is to raise idle funds in rural areas, and then provide corresponding financial services for agriculture, farmers and rural economic development.

What is the difference between rural credit cooperatives and the five major banks?

The differences between rural credit cooperatives and banks are mainly reflected in the following aspects:

1. The nature is different.

The five major banks are large state-controlled banks, while credit cooperatives are generally cooperatives composed of members, and most of them are currently controlled by local governments.

2. The scope of business is different.

The five major state-owned banks have business all over the country and even some important cities in the world, and can provide customers with a full range of financial services. However, the business scope of rural credit is generally confined to the region, or even within the county, and its functions and services are relatively simple, and it is generally mainly based on absorbing deposits and issuing loans.

3. The organizational structure is different.

Rural credit cooperatives are owned by farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within their jurisdiction, and on the basis of the cooperative system, absorb the joint-stock cooperative operation mechanism of the joint-stock cooperative community local financial institutions, and their business operations are managed and operated by the members on the basis of democratic elections by the members designated by the members, and are responsible to the members, and their highest authority is the members' congress. However, the five major state-owned banks have a relatively complete organizational structure, and their internal structure is usually composed of three organizational levels: decision-making, execution, and supervision, and there are many functional departments and branches, and the division of labor among each functional department is very clear.

4. The status is not the same.

The five major state-owned banks currently represent the highest level of China's banking industry, and are state-controlled super-large banks, which are directly controlled by the Ministry of Finance on behalf of the Ministry of Finance, and the five major state-owned banks in addition to the general banking nature, also have an important means of national economic regulation and control, therefore, the five major state-owned banks are of great significance to China's finance, economy and society, and basically to the point where they cannot go bankrupt. Credit cooperatives are just ordinary local financial institutions, serving farmers and agriculture-related enterprises within their jurisdiction, implementing independent operation, independent accounting, self-responsibility for profits and losses, and their own risks.

What is the name of a rural credit cooperative?

Answer: Hello dear, the rural credit cooperatives do not actually belong to any bank, it belongs to a rural cooperative financial institution similar to a bank, and the business handled is basically the same as that of the bank, and the areas that provide financial services are mainly rural. The nature of rural credit cooperatives is independent, and they are formally established banks with the approval of the China Banking Regulatory Commission, and deposits in rural credit cooperatives are also guaranteed, and deposits within 500,000 yuan will be paid in full to depositors when the credit cooperatives go bankrupt. Rural credit cooperatives are distributed in all provinces, municipalities and regions across the country, and they are managed by each province.

The fact that the Rural Credit Cooperatives have now been renamed Rural Commercial Bank does not mean that the Credit Cooperatives are Industrial and Commercial Bank of China or a subsidiary of the Agricultural Bank of China.

If there is a need for deposits, the existence of rural credit cooperatives is also a very good choice.

Kiss, is there anything else you need help with?