Excuse me: How about rural commercial banks? What are the advantages and disadvantages?

Rural commercial banks are generally controlled by local governments and enterprises. County rural commercial banks are legal entities, which are managed by provincial associations at the provincial level and are responsible for the appointment of senior managers of county rural commercial banks.

Advantages: Compared with the six state-owned banks (Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank), rural commercial banks are rooted in villages and towns, with more than six outlets, and they were established earlier, which has a preconceived advantage.

(A) the advantages of inclusive finance. In recent years, the country has been promoting inclusive finance, and rural commercial banks are the main force in inclusive finance, with the strongest policy support, which is more conducive to the promotion of their own business.

(2) Employees have a stronger sense of belonging. The wages of rural commercial banks are generally higher than those of state-owned banks in the same region, and employees have a stronger sense of belonging.

Disadvantages: (1) does not form a scale advantage.

The business of rural commercial banks is generally limited to counties and districts, and there is little cross-regional experience. The regulatory authorities have increased the restrictions on cross-regional experience, so they have failed to form scale advantages. The level of urbanization in China is constantly improving, the population is flowing to large and medium-sized cities, and the size of permanent residents is also shrinking, so the business expansion is facing the upper limit.

(2) The level of science and technology needs to be improved.

Compared with the six major banks, the scientific and technological support level of rural commercial banks needs to be improved. The current situation is the national business expansion, which requires strong scientific and technological support, customer classification, precise marketing and more comprehensive and intelligent deposit and loan services for customers. At present, rural commercial banks still have a long way to go.

(C) physical network function weakening

In the early years, the trend of banks was that the more outlets, the better. However, with the popularity of the Internet, banks are queuing less and less, most of their business has been transferred to mobile clients, the functions of outlets are weakening, large state-owned banks have extended their business to rural areas through the tentacles of the network, and the business of rural commercial banks is also facing fierce competition.

In short, rural commercial banks are also banks, and the average salary of employees is higher than that of state-owned banks. There are advantages and disadvantages, depending on how you choose.