1. Will Henan Credit Cooperatives take loan collection actions in 2021?
It may be that the credit union no longer has loan quotas, and it is usually not possible until the beginning of the month or the beginning of the quarter.
3. What is the annual interest rate of rural credit cooperatives’ time deposits in 2021?
The fixed deposit interest rate of rural credit cooperatives in 2022:
Whole deposits and withdrawals are 2.86 for three months, 3.08 for half a year, 3.30 for one year, 3.75 for two years, 4.25 for three years, and 4.75 for five years. .
Principal deposits and interest withdrawals are 2.86 for one year, 3.08 for three years, and 3.30 for five years.
For fixed-term and fixed-term loans, you will get a 40% discount on the same interest rate for regular deposits and withdrawals within one year.
Rural Credit Cooperative time deposit is 85, six months is 1.755, one year is 2.025, two years is 2.835, and three years is 3.712. The five-year rate is the ratio of the amount of interest to the deposit amount within a certain period. Also known as deposit interest rate. It is the standard for calculating deposit interest. There are annual interest rates, monthly interest rates, and daily interest rates (also called annual interest rates, monthly interest rates, and daily interest rates). The annual interest rate is expressed as a few percent of the principal, the monthly interest rate is expressed as a thousandth of the principal, and the daily interest rate is expressed as a few thousandths of the principal. Deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting bank costs. China's deposit interest rates are determined in a planned manner by the state based on objective economic conditions and taking into account the interests of all parties.
4. Is it legal for Henan Rural Credit Cooperative to clean up the storm?
It is legal. For example, Jiaozuo, Henan, Luohe, Henan and other places. 1. Jiaozuo City launches the "Execution Storm" action to collect non-performing loans of rural credit cooperatives. In order to further optimize the financial ecological environment, prevent and resolve financial risks, and promote high-quality economic and social development, Jiaozuo City Financial Work Bureau, Municipal Intermediate People's United Municipal Rural Credit Union Based on the overall situation, the Office worked closely to strengthen enforcement, and launched the "Enforcement Storm" operation to collect non-performing loans of rural credit cooperatives across the city from April 28 to 30, 2021. In the "Execution Storm" operation for the centralized collection of non-performing loans, people at the city and county levels dispatched a total of 97 police vehicles and 361 police officers, and various rural credit cooperatives (rural commercial banks) dispatched a total of 109 vehicles and 288 personnel. *** 6.48 million yuan in cash was recovered, 52 repayment agreements were made, the agreed repayment amount was 8.72 million yuan, and 148 people were detained. Among them: Boai County, Mengzhou City, and Jiefang District collected cash of 1.32 million yuan, 1.25 million yuan, and 790,000 yuan respectively, ranking the top three in the city. At the same time, during the centralized execution of collection activities, two dishonest persons subject to execution who had bad attitudes, concealed property, refused to repay, and met the criteria for "resistance to execution" were arrested, detained, and filed and tried. The "Execution Storm" operation was fully publicized and reported through newspapers, TV stations, radio and other news media, which aroused strong responses from all walks of life. It not only effectively cracked down on financial dishonesty and malicious evasion of financial debts, but also effectively safeguarded the legitimate rights and interests of financial companies. , demonstrating the determination and confidence of the municipal party committee and the municipal government to optimize the financial ecological environment, achieve fairness, justice, honesty and trustworthiness, continuously resolve the risks of non-performing assets of rural credit cooperatives, and promote the healthy development of local financial institutions. 2. Revitalize 133 million bad loans! Good news about the "clearance storm" of non-performing loans of Luohe Rural Credit Cooperatives spread frequently. In December 2020, the "clearance storm" of non-performing loans of Luohe Rural Credit Cooperatives was launched. Rural credit cooperatives at all levels in the city vowed to go out, clarify their ideas, take active actions, and vigorously promote In the collection and disposal work, good news about the "collection storm" was reported frequently. As of January 20 this year, in the 50 days, the city's rural credit cooperatives organized 602 collection personnel, dispatched 118 publicity vehicles, posted collection announcements or sent 832 collections, and carried out 48 centralized collection operations. 818 households were visited to collect debts, 649 non-performing loans worth 133 million yuan were cleared and reactivated, and trusts worth 125 million yuan were disposed of.