Rural commercial bank belongs to what bank

Rural commercial bank belongs to the joint-stock commercial bank, and is not simply state-owned enterprises or private enterprises, and can not be understood as institutions. Rural commercial is formed by rural industrial and commercial farmers under the jurisdiction of the farmers and other financial organizations, local government enterprises, etc., can provide customers with deposit and loan services, but also can underwrite government bonds.

Rural commercial banks are usually formed by rural industrial and commercial households, farmers in the jurisdiction and other economic organizations **** with the shares, usually have local government enterprises to share, so that the formation of the shareholding system of local financial institutions.

China's rural commercial banks are numerous, although not from the state-owned enterprises, but also has a formal business license, able to provide customers with savings as well as loans, but also launched the financial management, underwriting government bonds and other businesses.

1. ? Deposit services. Rural commercial banks provide customers with deposit services, and deposit interest rates are higher than I have the four major banks, we will deposit money into the rural commercial banks, whether it is demand or fixed-term interest is higher than the state-owned four major banks. The money deposited into the rural commercial bank is also guaranteed, the deposited money is less than 500,000 yuan, even if the rural commercial bank bankruptcy, you can get a full payout.

2. ? Loan service. Rural commercial banks will be combined with the local situation to launch a series of loans, each region of the rural commercial banks to launch different loan services. Rural people often go to rural commercial banks for loans, usually for rural business or production needs.

3. ? Purchase of financial management. Rural commercial banks have also launched a series of financial products, bank financial products are higher than the return on time deposits, but during the financial period can not withdraw the principal as well as the interest of financial management, you must maturity before the principal and interest can be withdrawn.

4. ? Underwriting government bonds. The government has introduced bonds with very low risk and stable returns, and customers can buy government bonds through rural commercial banks.

The above is about the content of the rural commercial bank, the rural commercial bank evolved from the rural credit unions, can not simply say that it is a state-owned enterprise or a private enterprise, the rural commercial bank has a rural industrial and commercial households, the jurisdiction of the farmers and other financial organizations *** with the shares, in addition to the shares of the local government enterprises.

Please click to enter a picture description (18 words max)