Village bank refers to a banking financial institution approved by China Banking Regulatory Commission in accordance with relevant laws and regulations and initiated by domestic and foreign financial institutions, which mainly provides financial services for local farmers, agriculture and rural economic development, and is a first-class legal person institution. By the first half of 20 16, the total number of rural banks in China will reach 14 10.
Village banks are funded by credit cooperatives, but they are independent legal persons. The treatment must be linked to your ability, such as how much deposits you can absorb or how much loans you can market. The basic salary of new employees is about 3,000 ~ 4,000 yuan, the department manager should be about 8,000 ~ 1 10,000, and the branch president should be about110,000-10.2 million. Because rural banks have no historical burdens (bad) and few employees, the money they earn is generally distributed to shareholders for unit welfare, so the prospects are still good.
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Is the village bank a regular bank?
Village banks are also formal banking institutions in China, just like China Industrial and Commercial Bank, China Bank, China Construction Bank and Bank of Communications. They are formal banking institutions officially approved by China Banking and Insurance Regulatory Commission. To put it bluntly, rural banks are actually commercial banks.
Another remarkable feature of village banks is that they are usually small in scale, much smaller than other large banks. Usually, village banks are established by big banks, and the controlling shareholders of many village banks are six state-owned banks or other larger commercial banks.
Although rural banks are small in scale, their business scope is actually quite perfect, not just regular deposits and withdrawals and loans. And like other banks, they need to pay deposit reserve and deposit insurance, and they also need to be supervised.
For these rural banks, they need to face various assessments every month and every quarter. Moreover, if violations of laws and regulations are found, they also need to be punished, so for village banks, they are also very formal financial institutions.
There are many differences between village banks and other big banks. As far as village banks are concerned, their market positioning is very different from other large banks. Village banks mainly meet the needs of farmers for small loans or provide certain financial support for local small and medium-sized enterprises.