Because the interest rate of rural commercial banks is relatively low, customers may face less income when depositing. To this end, rural commercial banks will launch activities in some periods, such as time deposits with higher interest rates and harvest deposits. To attract customers' deposit and financial needs. In addition, rural commercial banks also provide wealth management services, which can recommend suitable wealth management products according to customers' different risk preferences and capital scale to help customers improve their income.
In addition to deposits and wealth management, the principal and interest income of rural commercial banks also includes other financial products. For example, the credit card of a rural commercial bank has its own points exchange mechanism, and the cardholder can get points after spending with the credit card, and the points can be exchanged for gifts or directly exchanged for cash in the exchange platform of the rural commercial bank. In addition, rural commercial banks also provide foreign currency deposits, foreign exchange and other services, which can enjoy a certain foreign exchange rate on the basis of the principal, thus obtaining higher returns. In a word, the principal and interest income of rural commercial banks is relatively reliable and rich, which is suitable for relatively stable customers to invest and finance.