1. You can withdraw money from the rural credit cooperative's passbook without having to withdraw it in person.

2. To withdraw money from a passbook, you need the ID card of the account holder and the ID card of the person who withdraws the money. Both the original ID card and the password can be used to withdraw money.

3. Minors cannot withdraw money.

4. If the withdrawal amount exceeds 50,000, you must make an appointment to withdraw the money one day in advance.

Extended information:

1. Introduction to rural credit cooperatives

1. Rural credit cooperatives are established with the approval of the People's Bank of China, are composed of members as shareholders, and practice democracy Rural cooperative financial institutions that manage and mainly provide financial services to members.

2. 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.

3. 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 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 usury.

4. 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 currently a joint venture between the China Banking Regulatory Commission and the State Council. led department.

2. As a bank-like financial institution, rural credit cooperatives have their own characteristics, which are mainly reflected in:?

1. They are jointly formed by farmers and other individuals in rural areas to raise funds and focus on mutual assistance. The main purpose of a cooperative financial organization is to manage its business operations by members designated by members on the basis of democratic elections, and to be responsible to the members.

2. Its highest authority is the Member Congress, and the executive body responsible for the management of specific affairs and business operations is the Board of Directors.

3. The main source of funds is the share capital paid by cooperative members, the retained provident fund and the deposits absorbed; loans are mainly used to meet the financial needs of its members. At first, it mainly issued short-term production and living loans and consumer loans. Later, with the development of the economy, the lending channels were gradually expanded, and they were no different from commercial bank loans.

4. Since the business targets are cooperative members, the business procedures are simple and flexible. The main tasks of rural credit cooperatives are: in accordance with the provisions of national laws and financial policies, organize and regulate rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and limit and combat usury.

3. Loan conditions

1. Ability to repay principal and interest on time. The original loan interest payable and due loans have been basically repaid; if they have not been repaid, a repayment plan approved by the lender has been made;

2. Except for natural persons and institutional legal persons that do not need to be approved and registered by the industrial and commercial department, The annual inspection procedures should be completed by the industrial and commercial department;

3. Rural residents have opened a basic account or general deposit account with a loan cooperative, and retain a certain amount of payment deposit in the account; voluntarily accept credit from the loan cooperative and settlement supervision and inspection, to ensure that business plans and related business and financial statements are regularly submitted to the loan agency;

4. Those applying for guarantees and mortgage loans must have loan guarantors and loan collateral that meet the regulations. Or pledge. The loan guarantor must be an enterprise or economic entity that has a deposit account in a rural credit cooperative and has good economic benefits and credit standing. Loan collateral must comply with the "Guarantee Law of the People's Republic of China" and relevant laws and regulations. In principle, it should be mainly real estate (such as houses, land), must be commercial, and be easily liquidated.

5. The asset-liability ratio of rural borrowers shall not be higher than 70%.

6. When applying for loans for fixed assets, real estate and other projects, the borrower's owner's equity and self-raised funds ratio must meet the requirements stipulated by the State Council. At the same time, a complete, standardized, and complete application must be submitted in accordance with the requirements of project management. Valid documentation.

7. Except as stipulated by the State Council, the cumulative amount of external equity investments of limited liability companies and joint-stock companies does not exceed 50% of their net assets;

8. Rural borrowers must Apply for a loan card in accordance with the regulations of the People's Bank of China, and go through annual inspection procedures as required.

Reference: Baidu Encyclopedia_Rural Credit Cooperatives