Want to deposit, is rural commercial bank safe? Recommend it?

Rural commercial banks, that is, rural commercial banks, are small in scale, but they are also legally established banks, which are quite common in our daily life, especially in some towns and villages. In fact, there are not a few people who choose to deposit in rural commercial banks.

1. There is no doubt about the formality of rural commercial banks. Under normal circumstances, rural commercial banks, formerly known as rural credit cooperatives, are joint-stock local financial institutions approved by the China Banking Regulatory Commission, so there is no need to worry about their formality, because they are a kind of commercial banks with the same legitimacy as well as state-owned banks and other well-known joint-stock commercial banks, and have the legal qualifications to handle deposit business and issue loans at the same time.

The main difference between it and other state-owned banks and commercial banks is that it has the largest audience, or the service objects are different. Because rural commercial banks mostly serve agriculture, countryside and farmers, their outlets are mostly in some towns or villages. Under normal circumstances, there will be independent rural commercial banks in each region, such as "Changsha Rural Commercial Bank" and "Chongqing Rural Commercial Bank". And the name will be preceded by the name of the region.

2. Is it safe to deposit in a rural commercial bank? In fact, commercial banks are allowed to go bankrupt. Therefore, the risk of rural commercial banks mainly comes from whether it is possible to go bankrupt. In order to avoid the risks brought by bankruptcy to depositors, the state has actually introduced relevant safeguard policies, which is also known as the Deposit Insurance Regulations. According to the regulations, all banks must apply for compulsory insurance, so if the total principal and interest of depositors in any domestic bank is less than 500,000, then this deposit is absolutely safe and absolutely risk-free. Even if the bank goes bankrupt, it can be paid in full.

Therefore, for the assets of rural commercial banks, if the total amount is less than 500,000, it is definitely safe, while for the part exceeding 500,000, the risk is actually very small. At present, the development trend of rural commercial banks is optimistic, and there is great potential for the development of China's rural commercial banks, so the possibility of their bankruptcy is very small.

3. Advantages of rural commercial banks For those who just want to get extra income through general deposits, rural commercial banks will be a good choice. Judging from the listing interest rates of banking institutions every year in the past, the interest rates of state-owned banks are almost the same as those guided by the central bank; The interest rate of joint-stock commercial banks will be relatively higher than that of state-owned banks, and the largest proportion of deposit interest rate will be relatively small banks such as rural commercial banks and city commercial banks.

Take a three-year time deposit as an example. General state-owned banks keep the central bank's benchmark interest rate at 2.75%. However, in some rural commercial banks, the highest listing interest rate of three-year time deposits can reach 3.8%, with a spread of 1%. This is mainly because rural commercial banks need to attract depositors' deposits by raising interest rates, so as to achieve the purpose of absorbing deposits. Many times, a five-year time deposit will be introduced, and its interest rate will be set at a high level of 4%-5%. Therefore, if the funds are deposited in rural commercial banks, the total amount of interest that can be obtained will be more.

Generally speaking, rural commercial banks are also regular banks, and their security is guaranteed. Moreover, if the deposit amount is below 500,000, it is absolutely safe. For those who want to get high interest rates on deposits and gain more interest, rural commercial banks are really worth considering.

Rural commercial banks should not be underestimated. At present, there are more than 1.400 rural commercial banks in China, with total assets accounting for 10% of domestic commercial banks, and agricultural loans and SME loans accounting for more than 20%. By the end of 2065, 8 rural commercial banks have been successfully listed in 438+07, which is an important part of China's financial system and the main force supporting "agriculture, rural areas and farmers" and small and medium-sized enterprises.

The predecessor of rural commercial banks was rural credit cooperatives that once spread all over the country. After the release of the State Council in 2003, the reform of rural credit cooperatives was divided into three steps. Allow credit cooperatives with developed regional economy, abundant assets, good quality and sufficient capital to be transformed into rural commercial banks; If the conditions are weak, rural cooperative banks can be established; Credit cooperatives that do not meet the conditions for restructuring continue to operate according to the original system. Therefore, the current credit cooperatives exist in three systems all over the country, but they are all positioned to provide financial services for local individuals, agriculture, rural areas and small and medium-sized enterprises. Generally speaking, with the gradual optimization of internal governance of rural commercial banks, their asset strength has been further enhanced, their profitability has been continuously improved, and their ability to resist risks has been greatly improved.

Security is not a problem for deposits below 500 thousand. 15 promulgated the Deposit Insurance Regulations, which stipulates that all banking deposit institutions such as commercial banks and rural financial institutions must take out insurance for deposits, and pay the deposit insurance fund in proportion according to law. When a bank faces the risk of bankruptcy, whether it is a big bank or a small bank, the maximum repayment amount is the principal and interest of 500,000 yuan or less. Therefore, as long as the principal and interest of deposits do not exceed 500,000, the deposits of rural commercial banks are absolutely safe. If the amount is too large, you can also avoid risks by diversifying your deposits, such as depositing as different family members or depositing in different banks.

The deposit interest rate of rural commercial banks rose the most. As far as the same region is concerned, the marketization of interest rates is often the lowest in state-owned banks, followed by joint-stock banks, and the highest is small banks such as city commercial banks and rural commercial banks. Take the 3-year ordinary deposit interest rate as an example. State-owned banks have not risen, the central bank's benchmark interest rate is 2.75%, joint-stock banks are around 3%, and many rural commercial banks are over 4% or even close to 5%. For example, the three-year interest rates of Jiutai, Jieyang and Wuxi Rural Commercial Bank reached 4.675%. The same is true of certificates of deposit. The interest rate of three-year certificates of deposit of state-owned banks and joint-stock banks rose by 50% to 4. 125%, and that of rural commercial banks rose by 55% to 4.2625%. The same deposit, the same security, of course, I prefer to choose a bank with high interest rate.

Of course, the security and profitability mentioned above are limited to deposit products, so don't confuse them. If it is a wealth management product or a bank insurance product, safety and yield are another matter. Although the rate of return may be higher than that of deposits, the security is absolutely impossible to be at least one level lower than that of deposit products.

The predecessor of rural commercial banks is rural credit cooperatives. Compared with state-owned banks and joint-stock banks, the business of rural commercial banks is relatively simple, with relatively basic deposits and loans as the mainstay, supplemented by simple financial management and large deposit certificates. The deposit business of rural commercial banks is the pillar business of banks. Especially in rural areas, 80% people like to deposit in rural commercial banks. First, the national deposit insurance policy.

The Regulations on Deposit Insurance issued by the State Council clearly stipulates that commercial banks should pay deposit insurance within a fixed period. If the insured bank goes bankrupt during the insurance period, the insurance company shall be responsible for compensating the customer for the deposit loss, with the maximum principal and interest not exceeding 500,000 yuan (inclusive). Deposit insurance is compulsory for every commercial bank, including state-owned banks, joint-stock banks, city commercial banks, rural commercial banks and private banks. Therefore, rural commercial banks also have insurance protection, and deposit risk losses are compensated by insurance institutions.

Second, the management of rural commercial banks.

Rural commercial banks can't compete with large state-owned banks and joint-stock commercial banks in first-tier cities and larger cities, but rural commercial banks are definitely the leading banks in banking financial institutions in counties. At present, the assets of rural commercial banks are mostly in the tens of billions and hundreds of billions. The largest Chongqing rural commercial bank is several trillion yuan, and it is also a small and medium-sized rural financial institution dedicated to rural financial services. The customer base of deposits is mainly rural people, but the deposit structure is relatively stable, mostly time deposits. Rural people prefer to deposit idle funds as time deposits.

Third, the advantage of deposit interest rate is great.

Deposit interest rate is a sharp weapon for rural commercial banks. Rural commercial banks all over the country are independent legal entities and have enough autonomy to control the fluctuation range of deposit interest rates in their own hands, so the deposit interest rates vary from place to place, but it is an indisputable fact that the deposit interest rates of rural commercial banks are high. For example, the deposit interest rates of local rural commercial banks are as follows: fixed deposit 1 year 2. 15%, fixed deposit for 2 years 3. 1%, fixed deposit for 3 years 4. 12% and fixed deposit for 5 years 4.2%. The large deposit certificates of rural commercial banks have the highest interest rate among domestic banks, with a three-year term.

Personally, I suggest putting the money in a rural commercial bank. The deposit interest rate is relatively high and the outlets are widely distributed. As for security, it is protected by deposit insurance regulations and is especially suitable for customers' deposits in rural areas. Rural commercial banks are called "banks owned by ordinary people" locally.

Rural commercial banks are formal licensed financial institutions in China, formerly known as rural credit cooperatives. There are more than 1,000 rural commercial banks in China/KLOC-0, and there is no problem in safety. Rural commercial banks are small local banks, which are supervised by local governments and have relatively high interest rates, so deposits can be considered.

1. Is the rural commercial bank safe? Rural commercial banks are reformed from rural credit cooperatives, mainly serving local enterprises and individual depositors, mainly concentrated in relatively remote areas. Although rural commercial banks are not as famous as the establishment of diplomatic relations between China, agriculture, industry and commerce, their own legitimacy and compliance are guaranteed, and they are licensed financial institutions. Users who deposit in rural commercial banks enjoy the protection of unified bank deposit insurance regulations in China.

2. What is the interest rate of rural commercial banks? The interest rate of rural commercial banks is usually much higher than that when China, agriculture and industry established diplomatic relations. For example, the interest rate of time deposit is 50% higher than the benchmark interest rate, and the three-year interest rate can reach 4. 125%, which is very attractive to depositors. However, compared with small and medium-sized private banks, the interest rate level of rural commercial banks is still far behind. For example, the five-year time deposit launched by Yilian Bank has an interest rate as high as 6%. For rural commercial banks, if there is no better choice, you can consider choosing.

3. There are many innovative financial products to choose from online banking. After the rapid development of internet finance in recent years, banks have felt the threat from private financial innovation, so they have made a lot of efforts in financial innovation. Now many banks can buy bank wealth management online, with a yield of 5% and high security. In addition, the smart deposit products of private banks mentioned above are also very competitive, and it is recommended to buy them.

Count Da Nanshan, a postdoctoral fellow at NUS, is a senior financier. He invests financial knowledge for your popular science with professional knowledge and vernacular, so that there is no hard finance in the world! Welcome to pay attention and leave a message. There is no problem with the deposit safety of rural commercial banks, especially rural friends. Because the rural commercial bank is close to its outlets and the deposit interest rate is relatively high, you can deposit nearby.

Rural commercial banks were restructured from rural credit cooperatives. Rural credit cooperatives are rural cooperative financial institutions approved by the People's Bank of China, which are composed of members and provide financial services to members. With the development of rural credit cooperatives, according to the conditions for the establishment of commercial banks, rural credit cooperatives have been restructured into rural commercial banks.

Rural commercial banks are different from other financial institutions in the following aspects: 1. Rural commercial banks are state-owned, generally controlled by provincial SASAC; 2. The management of rural commercial banks is generally based on the province, and the management within the province remains unchanged; 3. Generally, the business of rural commercial banks can only be operated within the county, not across regions.

According to the national deposit insurance regulations, the deposits of rural commercial banks, like other banks, need to pay the deposit insurance fund. Only the deposits of rural commercial banks are guaranteed by the deposit insurance fund. In other words, even if the rural commercial bank goes bankrupt, the national deposit insurance fund will give priority to payment within 500,000 yuan.

Therefore, as long as your deposit in the rural commercial bank is within 500,000, it is absolutely safe. If it exceeds 500,000, you can separate the names of different family members. As long as the single name does not exceed 500 thousand, the security is absolutely guaranteed.

Based on the above answers, I recommend farmers to deposit in rural commercial banks. But if you have higher investment and financial management knowledge and skills, you can have a better choice, and it is also a deposit. The interest rate of Internet banks is generally higher than that of rural commercial banks.

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Rural commercial banks are formal banks recognized by the central bank. At present, most rural commercial banks are developed from the former rural credit cooperatives. It is very safe to deposit in rural commercial banks. I suggest you deposit in rural commercial banks. The deposit interest rate of rural commercial banks must be higher than that of state-owned banks and large joint-stock commercial banks.

Are rural commercial banks safe? You can release it here. Whether it's six state-owned commercial banks, joint-stock commercial banks, local banks or private banks, you can rest assured of their safety. All banks have deposit insurance, and the insurance premium is paid by the bank. If the bank goes bankrupt, the insurance institution will pay the depositors a maximum of 500,000 yuan, that is to say, if the deposit in the same bank does not exceed 500,000 yuan, there is no need to worry about their safety.

What are the advantages of choosing a rural commercial bank deposit? The main advantage of choosing rural commercial bank deposits is optimistic, and the deposit interest rate is obviously different from that of state-owned banks and large joint-stock commercial banks. Let's show you the deposit interest rate data of rural commercial banks in a certain area of Hebei Province.

Let's take a look at the average deposit interest rate of state-owned banks and large joint-stock commercial banks. Comparing the above data, it is obvious that rural commercial banks have an advantage in the deposit interest rate. The average deposit interest rate of ordinary lump-sum deposits has exceeded that of state-owned banks and large joint-stock banks. Therefore, it is very appropriate to choose a rural commercial bank to deposit. I suggest you deposit in a rural commercial bank.

Why the interest rate is high is mainly due to its small scale, few assets, small service area and scope, single products and services, weak settlement ability, small brand influence and weak comprehensive anti-risk ability. , making it obviously lost to state-owned banks in the organizational advantage of deposit funds. Appropriately raising the deposit interest rate is not only beneficial to deposits, but also can better provide credit services for agriculture, rural areas and small and medium-sized enterprises by increasing the deposit increment, so the deposit interest rate will be slightly higher than that of state-owned banks and joint-stock commercial banks.

Summary Although there are no large joint-stock banks and state-owned banks in the scale, anti-risk ability and control system of rural commercial banks, all banks now have depositor deposit insurance. You can choose to deposit more than 500 thousand, and your lover has also opened a savings account in this bank, which can effectively avoid unnecessary losses caused by bank problems.

Whether it is a rural commercial bank or what we usually call the four major banks. Their common nature is commercial banks. People are worried about the deposit safety of rural commercial banks, mainly because of their compliance and corresponding risk ability.

Many rural commercial banks are reformed from the original rural credit cooperatives. Although it has been transformed into the basic structure of commercial banks in form and ownership structure. However, there is a big gap with traditional commercial banks in risk control ability, business ability, financing ability and shareholder strength.

Therefore, everyone will think that in rural commercial banks, the deposit risk is relatively large.

But in fact, according to the relevant provisions on bankruptcy in China's commercial banking law. As long as the deposit amount in the corresponding bank. If it is not higher than 500,000, it is also fully guaranteed.

In other words, as long as it is in a single commercial bank account. The deposit account is less than 500 thousand. In essence, there is no need to worry about the basic operating conditions of banks. As long as it is a legal and compliant bank deposit, it will be guaranteed accordingly.

However, due to the large business of rural commercial banks, their execution ability in risk control is not particularly strong. Therefore, when making deposits, you can disperse different rural commercial bank accounts.

If you want to make a large investment and financial management. You can choose the formal financial management and transaction contracts of traditional banks with relatively large strength and scale.

If it is a deposit, the deposit of the rural commercial bank is still very safe.

1. Development and business scope of rural commercial banks

Rural commercial banks are developed from rural credit cooperatives and rural cooperative banks. At present, the number of rural credit cooperatives is decreasing, and according to the regulations of CBRC, no new rural cooperative banks will be established, and all rural cooperative banks will be transformed into rural commercial banks.

The business scope of rural commercial banks is relatively narrow, generally confined to local areas, that is, towns, counties or cities, and there are few cross-city banking businesses, but this situation is rare.

65438+654381October 4th, the CBRC issued the Opinions on Promoting Rural Commercial Banks to Stick to Positioning, Strengthen Governance and Enhance Financial Service Capability (hereinafter referred to as the Opinions). In principle, the business of rural commercial banks does not leave the county (district) or cross the county (district).

In other words, the business of rural commercial banks in the future is limited to counties or districts, and they can no longer operate across regions. For example, loans cannot be issued to foreign residents and enterprises.

2. Deposit business of rural commercial banks

Rural commercial banks generally only absorb deposits from the local area and issue loans. Because they are not as large as large banks in scale and influence, it is more difficult to absorb deposits. Some rural commercial banks will raise deposit interest rates to attract depositors.

At present, the interest rates of three-year and five-year deposits are mostly between 3% and 3.5%, but the interest rates of rural commercial banks can reach 4% or even 5%, which is very attractive to depositors.

However, some people worry that rural commercial banks are not as safe as big banks, especially in recent years, the non-performing rate of some rural commercial banks has risen sharply. What if they go bankrupt?

Actually, there is no need to worry too much. The possibility of bank failure in China in the short term is still very small. Even if it fails, depositors' deposits are protected by deposit insurance regulations.

What are the deposit insurance regulations? Depositors deposit their money in banks, and banks have to pay premiums to form deposit insurance funds. If the bank goes bankrupt and the liquidation fund is not enough to make up the depositors' money, it will be paid from the insurance fund, and the full amount can be paid within 500 thousand.

So if you see that the deposit interest rate of rural commercial banks is relatively high, it is still very suitable.

Rural commercial banks are basically transformed from rural credit cooperatives around the country. Why are the feelings and people's trust of rural commercial banks not as good as those of joint-stock banks established among the four central enterprises, workers and peasants and listed in various places?

In essence, because rural commercial banks are located in remote areas or rural towns, their economic development and energy scale are relatively small. Relatively speaking, the risk control of rural commercial banks is relatively immature, and the ability and space to absorb deposits are relatively small. Then, based on the capital adequacy ratio, their ability to resist the fluctuation of economic downturn cycle and bad debt rate is relatively poor.

More importantly, the shareholders of rural commercial banks, large enterprises without strength or local finance bureaus, and central enterprises have no way to absorb long-term and stable capital replenishment ability in liquidity support.

Therefore, from the perspective of more than 0/000 rural commercial banks in China, the main reasons are small scale, poor authenticity of capital adequacy ratio and high non-performing rate. Many people say that the state protects the basic interests of deposits in the deposit insurance system, but I don't think so. As limited property and deposits, once the phenomenon of being entrusted by the state-designated institutions like the contractor bank appears, it will still cause depositors panic in a short time, such as bank runs and mass incidents. Although there is no danger in the end, as a preventive measure, why create unnecessary trouble and tension for yourself at the source of the problem? At present, the Agricultural Bank of China has basically covered villages and towns. As its hard-earned money, it is better to take more steps than to be scared for no reason.

Of course, it is safe to deposit funds in banks, no matter whether it is the four major banks or rural commercial banks, there is no need to worry. Rural commercial bank is a rural commercial bank, which was reformed from the predecessor of rural cooperative bank. There are commercial banks all over the country, so don't worry about capital risk. The only thing to consider is how high the interest rate of the deposit and rural commercial banks is and how it compares with other banks.

20 19 list of bank interest rates:

As can be seen from the above figure, at present, the one-year time deposits of the four major banks are basically at 1.75%, while other banks are slightly higher, and rural commercial banks are all above 2%. If the three-year deposit interest rate is above 3%, it shows that the deposit interest rate of commercial banks is not only safe, but also much higher than that of the four major banks.

20 19 deposit slip list

At present, the four large certificates of deposit are 3.85%, most of which are 4. 18%, but rural commercial banks also have 5%. In other words, if you deposit your money in a rural commercial bank, as long as your capital reaches 200,000 yuan, you will reach the capital threshold of a large deposit certificate of a rural commercial bank, and the interest rate of the money you deposit will be higher than that of the four major banks.

From the interest rate of Shanghai Rural Commercial Bank;

The above rates are 2% for one year, 3. 125% for three years and 3. 125% for five years, which are significantly higher than other banks.

Therefore, it is safe to deposit money in the bank, but don't sell it as a wealth management product. At present, the bank's interest rate conditions are like this. Unless you can make a large deposit certificate, the interest rate will be very high, but it cannot exceed 6%. If someone tells you about an interest rate above 6%, you need to be careful. It may not save money, but selling insurance or wealth management products is risky. Be careful when reading the contract and avoid signing the agreement blindly.