1. When does the Rural Credit Cooperative work?

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2. What are the working hours of the Rural Credit Cooperative?

The working hours of rural credit cooperatives are: 8 a.m. and 5 p.m. every Monday to Friday, and 9:30 to 4 p.m. every Saturday and Sunday. In addition, rural credit cooperatives have a lunch break at noon, and customers can go to rural credit cooperatives to handle business at any time during working hours. In addition, rural credit cooperatives cannot handle corporate business on Saturdays and Sundays, but can only handle personal savings business.

3. Working hours of rural credit cooperatives

The working hours of rural credit cooperatives are Monday to Saturday: 9:00 am. Business hours are 9:00-17:00 from Monday to Saturday. No work on Sundays and holidays.

The working hours of rural credit cooperatives are wider, mainly due to the special characteristics of rural areas, so they also work normally on Saturdays. Weekends are rest time.

Rural Credit Cooperatives

Synonyms rural credit cooperatives generally refer to rural credit cooperatives

Rural Credit Cooperatives (Rural Credit Cooperatives, Rural Credit Cooperatives) refers to the Rural cooperative financial institutions approved by the People's Bank of China, formed by members as shareholders, implemented democratic management, and mainly provide financial services to members.

Rural credit cooperatives are independent corporate legal persons. They bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws. Its main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy. In accordance with the provisions of national laws and financial policies, organize and regulate rural funds to support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them. Rural Credit Cooperatives are divided into the following departments, Rural Credit Cooperatives Cooperatives, Rural Credit Cooperatives International Finance Department, Zhengtong Rural Credit Cooperative Training School, Rural Credit Cooperative Credit Department, etc. It is a department currently under the dual leadership of the China Banking Regulatory Commission and the State Council. As early as the 1950s, the People's Bank of China's branches in rural areas were transformed into rural credit cooperatives. The purpose of rural credit cooperatives is "farmers help each other with funds", that is, farmers form credit cooperatives, members contribute money to form capital, and members use the money to obtain loans.

However, this credit cooperative has never been formed voluntarily by farmers, but is managed by the government. In the initial credit cooperatives, most of the capital came from the state, with only a small portion coming from farmers. Although the system of credit unions has changed countless times over the past 50 years, the "government-run" system has remained consistent. Around 2004, the central bank and local governments spent a large amount of funds (the central bank took 165 billion) to pay for the shortfalls of credit unions. Therefore, the property rights of credit unions are not ambiguous. Its owner is the government.

Manager

The relationship between the county federation and an individual credit union is equivalent to the relationship between the head office and the branch. There is a county federation in a county. At first, the county federation was under the management of the Agricultural Bank of China; after 1996, it was under the management of the People's Bank of China; after 1999, the People's Bank gradually established prefecture (city) federations, and the county federation was again under the jurisdiction of the local (city) federation. After 2003, the People's Bank of China withdrew, canceled the prefectural (municipal) cooperatives, and handed over the management of rural credit cooperatives to the provincial government. The provincial government established the provincial cooperatives, and the provincial cooperatives managed the county cooperatives. society.

So far, from an economic and legal perspective, each county cooperative is equivalent to an independent bank (enterprise). The actual owner is the provincial government, and the county cooperatives in the province*** The provincial cooperatives were jointly invested in and established the provincial cooperatives, so the provincial cooperatives are actually the "sons" of the county cooperatives; from an administrative point of view, each county cooperative is an administrative department that manages credit unions, and the provincial cooperative is The highest administrative department, so the provincial federation is the "father" of the county federation.

Because of their higher administrative status, the provincial federation has also become the actual manager of the county federation economically.

Nature of the institution

Rural credit cooperatives are bank-type financial institutions. The so-called bank-type financial institutions are also called depository institutions and depository currency banks. Their unique characteristic is that they take deposits as their main purpose. The main liabilities are loans as the main assets, transfer settlement as the main intermediary business, and are directly involved in the creation process of deposit currency.

Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are cooperative financial institutions jointly formed by individuals to raise funds with the main purpose of mutual assistance, referred to as "credit cooperatives", with the purpose of mutual aid and self-help. Carry out deposit and loan business among members. The establishment of credit cooperatives is directly related to the development of natural economy and small commodity economy. Since agricultural producers and small commodity producers have seasonal, sporadic, small-amount, and small-scale capital needs, it is difficult for small producers and farmers to obtain bank loan support. However, objectively, the development of production and circulation must solve the problem. Due to the difficulty of insufficient capital, this kind of mutual aid and self-help credit organization established by paying shares and deposits emerged.

Rural credit cooperatives are cooperative financial organizations that are composed of farmers as shareholders, implement democratic management by the members, and mainly serve the members. They are legal financial institutions established with the approval of the People's Bank of China in accordance with the law. Rural credit cooperatives are an important part of China's financial system. Their main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy. At the same time, organize and regulate rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them

Source: Baidu Encyclopedia - Rural Credit Cooperatives

IV. Working hours of Huaiji Rural Credit Cooperative

Monday to Friday, 9 am to 4 pm.

According to the working time schedule released by Huaiji Rural Credit Cooperative, the working hours of the Rural Credit Cooperative are from 8 am to 5 pm from Monday to Friday, and the working hours on Saturday and Sunday are from 9 am to 4 p.m.

Rural credit cooperatives generally refer to rural cooperative financial institutions approved by the People's Bank of China and established mainly to provide financial services to members.