What's the difference between an agribusiness bank and a city bank? Which is more reliable?

In recent years, China's urban commercial banks and rural commercial banks have maintained an average expansion rate of 20%, assets and liabilities have accounted for about 22% of the size of the industry as a whole, and the scale continues to expand rapidly. Rural commercial banks asset profit margin of 1.13%, only slightly lower than the state-owned commercial banks, far more than the joint-stock commercial banks. The total profit of urban commercial banks also reached 0.2 trillion yuan, with profitability continuing to improve.

City commercial banks and agricultural commercial banks are both commercial banks, the main business is to absorb public deposits and issue loans. But the difference between the two is that rural commercial banks are transformed from rural credit unions, while urban commercial banks are generally transformed from urban credit unions. Urban commercial banks are more independent than rural commercial banks, whose independence is usually limited by provincial associations. Urban enterprises are controlled by local municipalities and are generally subject to municipal government. Rural commercial banks are generally located in rural areas, while urban commercial banks are generally located in cities and are larger than rural commercial banks. Rural commercial banks are generally located in rural areas and are the only financial institutions in rural areas, with less pressure from peer competition and less incentive to grow. At the same time, their customers are mainly farmers and they have a narrower scope. Since urban enterprises are generally located in cities and face a wide customer base and support from local governments, their development prospects are relatively good.

Agribusinesses benefit from urbanization. As the only financial institutions in rural areas in the past, they have absorbed a large amount of demolition funds and residents' deposits with the development of urbanization and will benefit in the next 10 years or so. Although rural commercial banks have begun to launch Internet products, there is no pressure to do so and there will not be much incentive to do so because of their unique advantages. The commercial advantages of urban enterprises are their proximity to the region, short approval process and flexible mechanism. With the support of local governments, many urban enterprises have not only done well locally, but also set up branches in other places. In addition, in the same market, city firms have been a major force in recent years.

Agribusiness bank and city bank tellers are doing business to earn money, and is a joint-stock system, almost like the Beijing and Shanghai bank teller salary 8-100,000 no problem, the problem is not too big, 6,000-8,000 a month, and occasionally there are a variety of gold medals, financial, and marketing incentives to be broken a few times every few months, but the awards are not very high, a few thousand to a few tens of thousands of intervals, and very few more than a hundred thousand.