Question 2: Which bank does the rural credit cooperative belong to and which bank does it not belong to?
The system of rural credit cooperatives is an inverted subordinate relationship, that is, rural credit cooperatives are established first, and then county-level credit cooperatives are established by township investment, so as to go up. Because the shareholders are very weak, he is a private enterprise and has been a state management cadre since liberation, because he is a state-owned enterprise owned by the whole people.
Question 3: Where is the train of Jinan Rural Credit Bank? Thank you for suggesting to open Baidu map.
Then locate and find Jinan Railway Station.
You can find it in the nearby rural credit cooperative.
Question 4: What is a rural credit cooperative?
Question 5: What's the difference between Jinan Feng Run Bank and rural credit cooperatives? What's the name of other places? It used to be called rural credit cooperatives, but now it has been changed to Feng Run Bank, but the signs are the same. In other places, names are different, and the names are usually preceded by the names of local cities.
Question 6: What is the difference between rural credit cooperatives and rural commercial banks? Generally speaking, rural commercial banks are all evolved from rural credit cooperatives. When the capital adequacy ratio and non-performing loan ratio of rural credit cooperatives reach a certain standard, they can apply for transformation into rural commercial banks. The name of rural commercial banks is better than that of rural credit cooperatives, but they do not enjoy some national preferential policies that rural credit cooperatives can enjoy.
Question 7: The difference between rural credit cooperatives and rural cooperative banks. Rural credit cooperatives are the predecessors of rural cooperative banks. When a credit cooperative reaches a certain level, such as capital adequacy ratio, asset-liability ratio and non-performing assets, it can be established after being approved by the provincial CBRC. Cooperative banks will continue to develop after their establishment, and their capital adequacy ratio, asset-liability ratio and non-performing assets will all meet the standards of commercial banks. Rural commercial banks can be established with the approval of the provincial CBRC. Simply understand the earliest form of rural credit cooperatives, the intermediate form of rural cooperative banks and the final form of rural commercial banks. After the establishment of rural commercial banks, they become joint-stock companies and can operate in different places. For example, Shandong can set up business outlets in Shanxi. You just mentioned the problem of online banking, or go to the credit union to call, wrong things can be refunded! In addition, the urban credit cooperatives you mentioned are each city's own commercial banks. For example, Jinan is a credit union, later called Jinan Commercial Bank, and now called Qilu Bank. Generally, it is local and municipal financial allocation, but it should be very few now, and most of them have been restructured!
Question 8: What is the relationship between rural commercial banks and rural credit cooperatives? The names are different, but the basic content is the same. Credit cooperatives are the largest legal entity in the province, that is to say, Shandong Credit Cooperatives and Jiangsu Credit Cooperatives are neighbors, but there are rural commercial banks and credit cooperatives, credit cooperatives, rural cooperative banks and rural commercial banks in cities and counties in the province, just like Apple 4, 5 and 6 are getting higher and higher, but their cards are also universal.
Question 9: What type of savings card does Shandong Rural Commercial Bank belong to ▲ Brief introduction.
ICT debit card refers to a magnetic stripe bank card with UnionPay logo, which is issued by Shandong Rural Credit Cooperative. According to different card issuers, ICT cards are divided into corporate cards and personal cards. Personal cards are divided into ordinary cards, financial cards, co-branded cards and employee cards according to different functions. ICT card has the functions of cash deposit and withdrawal (except corporate card), transfer and settlement, consumption and inquiry. You can open a variety of different grades of time deposit accounts and current deposit accounts to realize the mutual transfer between the current account and the time account in the card. You can apply for two supplementary cards for ordinary cards. Supplementary cards can withdraw cash, make purchases and renew deposits from the main card, and the main card limits the withdrawal amount of supplementary cards. Anyone who opens a basic deposit account in a credit cooperative or has full capacity for civil conduct can apply for an ICT card without providing guarantee.
▲ Business advantages
ICT card can realize inter-provincial and intra-provincial counter deposit and withdrawal in the system; Through the modern payment and settlement system of China People's Bank, inter-bank deposit and withdrawal and information inquiry services are realized; You can use domestic and foreign automatic teller machines (ATMs), automatic deposit machines (CDM) and consumer terminals (POS) that have joined the UnionPay network to handle cash deposit and withdrawal, transfer settlement, consumption and inquiry. It can be used to pay wages, telephone bills, utilities and other agency payment services. Co-branded cardholders can enjoy a certain percentage discount when spending in joint units.
Through the counter SMS customization, the cardholder can know the transaction situation of the card account in time through SMS reminder after credit card consumption or accounting transaction.
Units or individuals who open bank settlement accounts in credit cooperatives may apply for using ICT cards. ICT cards can be used in the whole country and overseas countries and regions that have opened UnionPay business.
▲ Handling process
(a) the unit holds a valid unit certificate (basic deposit account account opening permit, organization code certificate and written designation by the legal representative or authorized person, and the designated person presents a valid identity document to apply), and the individual fills in the account opening application form with the identity document;
(two) credit cooperatives strictly review the authenticity, validity and compliance of the certification documents and the correctness, completeness and completeness of the application form;
(three) to open a communication card and submit it to the applicant.
▲ charging standard
project
charging standards
Activate bank card
Temporary exemption
annual fee
Temporary exemption
Report the loss
5 yuan
Loss reporting and card replacement
5 yuan
Off-site counter cash deposit
Calculated according to the transaction amount of 3‰, the lowest is 1 yuan, and the highest is 20 yuan.
Off-site counter cash withdrawal
Calculated according to the transaction amount of 3‰, the lowest is 1 yuan, and the highest is 50 yuan.
Off-site counter transfer deposit
Calculated according to the transaction amount of 3‰, the lowest is 1 yuan, and the highest is 20 yuan.
Off-site counter transfer expenditure
Calculated according to the transaction amount of 3‰, the lowest is 1 yuan, and the highest is 20 yuan.
ATM cross-system cash withdrawal in the same city
2 yuan/pen
ATM remote cross-system cash withdrawal
2 yuan/transaction+1 (minimum 1 yuan, maximum 20 yuan).
ATM inter-bank transfer in the same city
Less than 5000 yuan (inclusive), 3 yuan/pen.
ATM cross-system transfer in different places
Less than 5,000 yuan (inclusive), accounting for 1% of the transaction amount, and the minimum 5 yuan for each transaction.
▲ Precautions
ICT card is a debit card. A deposit is required before use. Overdraft is not allowed The account funds in the company card are transferred from its account opening outlets and deposited in basic deposit account, and cash may not be accessed, and sales income may not be deposited in the company card account. Identity documents and communication cards should be placed separately to prevent funds from being stolen by others after being lost at the same time. The cardholder shall keep the password strictly confidential, and the economic losses caused by password disclosure shall be borne by the cardholder. When the ICT card is lost, stolen or forgotten, the cardholder should report the loss in time. No one is allowed to report the loss, change the card and reset the password. The loss of funds caused by the credit cooperatives before accepting the loss reporting procedures shall be borne by the cardholders themselves. After the main card reports the loss and stops paying, the secondary card can no longer be used. If the magnetic stripe information of the ICT card is damaged, the cardholder shall go to the original card issuer (or other outlets in this city) to handle the magnetic supplement business with the ICT card, password and valid identity documents. ...& gt& gt