Changchun Luyuan Rongtai Rural Bank is a joint-stock commercial bank, and deposits there are reliable.

With rural credit cooperatives, rural cooperative banks, and rural commercial banks in the province, we have formed a large and fast bank that provides free deposits and withdrawals within the rural credit cooperative system, free remittances within the system, and real-time transfers. Service network. The business scope of Changchun Green Garden Rongtai Rural Bank Co., Ltd. is: absorbing public deposits in RMB; issuing short-term, medium-term and long-term loans in RMB; handling domestic settlements; handling bill acceptance and discounting; agency issuance, redemption, and underwriting of government bonds; Inter-bank lending; agency for collection and payment and insurance business; engaging in bank card business; other businesses approved by the China Banking Regulatory Commission.

Village banks have the following characteristics:

1. Region and entry threshold

An important feature of village banks is that their institutions are located in counties and towns. According to the "Interim Provisions on the Management of Village Banks", the registered capital of a village bank established in a prefecture (city) shall not be less than RMB 50 million; the registered capital of a village bank established in a county (city) shall not be less than RMB 3 million; The registered capital of a village bank established in a township (town) shall not be less than RMB 1 million.

2. Market positioning

The market positioning of village banks mainly lies in two aspects: one is to meet the small loan needs of farmers, and the other is to serve local small and medium-sized enterprises.

In order to effectively meet the development needs of local "agriculture, rural areas and farmers" and ensure the implementation of the policy of rural banks serving "agriculture, rural areas and farmers", the "Interim Provisions on the Management of Village Banks" clearly requires that rural banks are not allowed to issue off-site loans. After paying the deposit reserve, all available funds should be invested in local rural development and construction, and then the remaining funds can be invested in other aspects.

3. Governance structure

As independent corporate legal persons, rural banks establish and set up organizational structures according to the organizational standards of modern enterprises. At the same time, in accordance with the principles of scientific operation and effective governance, rural banks The management structure is flat, with few management levels, difficult to disconnect or time lag in the middle, short decision-making chain, relatively fast response speed, and business process structure that is relatively consistent with the financial capital requirements of the agricultural industry.

4. Sponsor system and property rights structure

The innovation of village banks, the "sponsor system", refers to the provisions of the China Banking Regulatory Commission that one bank must meet regulatory requirements, have standardized management, and operate efficiently. A good commercial bank shall serve as the main sponsoring bank and the shareholding ratio of a single financial institution shall not be less than 20%. In addition, the shareholding ratio of a single non-financial institution corporate legal person and its related parties shall not exceed 10%.