Village banks were established in rural areas with the approval of China Banking Insurance Regulatory Commission in accordance with relevant laws and regulations. Domestic and foreign financial institutions, domestic non-financial institutions, enterprise legal persons and domestic natural persons mainly provide financial services for local farmers, agriculture and rural economic development.
The establishment of rural banks has effectively filled the gap in rural financial services and increased financial support for rural areas.
Rongxing Village Bank is a new rural financial institution with independent legal personality, which was approved by Hebei Supervision Bureau of China Banking Regulatory Commission and initiated by Harbin Bank. It is located in hejian city, Hebei Province. Hejian Rong Hui Rural Bank adheres to Harbin Bank's business philosophy of "inclusive finance, Harmony and Prosperity", always adheres to the service tenet of "based on counties (cities) and serving agriculture, countryside and farmers", and provides financial services such as deposits, loans and settlement for urban and rural residents, agricultural economic organizations, individual industrial and commercial households and small and micro enterprises in hejian city, Hebei Province, and strives to make positive contributions to promoting local economic development.
Holding the theme of steady operation and scientific development, Harbin Bank adheres to the concept of "inclusive finance, Harmony and Prosperity" of Harbin Bank, with the fundamental purpose of supporting agriculture, countryside and farmers and serving small and micro enterprises, providing various banking services such as deposits, loans and settlement for local residents, individual industrial and commercial households and small and micro enterprises, actively participating in regional economic construction and earnestly fulfilling social responsibilities. At present, the business of Harbin Bank holding village banks is progressing steadily.
market positioning
The market positioning of rural banks is mainly reflected in two aspects: one is to meet the needs of farmers for small loans, and the other is to serve local small and medium-sized enterprises.
In order to effectively meet the needs of local development of "agriculture, countryside and farmers" and ensure the realization of rural banks' policy service of "agriculture, countryside and farmers", it is obviously necessary to manage temporary rural banks, and rural banks are not allowed to issue loans from different places. After paying the deposit reserve, all the available funds will be invested in the development and construction of local rural areas, and the remaining funds can be invested in other aspects.
Management structure
As an independent enterprise legal person, village banks are organized according to the organizational standards of modern enterprises.