At present, companies usually need four major banks' cards, namely, CCB card, ICBC Agricultural Bank card and BOC card. The Company has no business dealings with rural credit cooperatives.
Extended data:
RuralCreditCooperatives (rural credit cooperatives in English) refers to a rural cooperative financial institution established with the approval of the People's Bank of China, which is composed of members' shares, implements democratic management and mainly provides financial services for its members.
Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and restrict and crack down.
Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council.
mechanical feature
As a banking financial institution, rural credit cooperatives have their own characteristics, mainly manifested in:
1, farmers and other individuals in rural areas jointly form cooperative financial organizations whose main purpose is mutual assistance. Its business operation is managed and operated by the personnel designated by the members on the basis of democratic election and is responsible to the members. Its highest authority is the member congress, and the executive body responsible for managing specific affairs and business operations is the Council.
2. The main sources of funds are shares paid by cooperative members, retained provident fund and absorbed deposits; Loans are mainly used to solve the capital needs of its members. At first, it mainly issued short-term production and living loans and consumer loans. Later, with the economic development, it gradually broadened the channels of borrowing, which is no different from commercial bank loans.
3. Because the business object is a cooperative member, the business process is simple and flexible. The main tasks of rural credit cooperatives are to organize and adjust rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and limit and crack down on them according to the provisions of national laws and financial policies.
Why can't a credit card be a salary card? Can't the company use salary?
When a credit card is used as a salary card, money is deposited into the credit card.
Credit card deposits have no interest, and the money deposited by credit cards has no interest, which is also called overpayment. At present, except Minsheng Bank, other banks have to charge for withdrawals.
The only advantage of saving money by credit card is to increase your quota in disguise. For example, if your credit limit is 5,000 pounds and you have saved 2,000 pounds, you can swipe your card at most 7,000 pounds.
In addition, if there is a deposit in the credit card, it needs interest and handling fee. If there is no overdraft, that is, the deposit amount is greater than all consumption, there should be no interest. However, if there is consumption, the bank will default to the repayment of the money you have saved, and the remaining money after repayment is not enough for you to withdraw, so the bank will think that you have overdrawn, rather than withdrawing your deposit. So don't deposit money in a credit card, even if there is no handling fee.
Why can't many businesses use credit cards now?
The main reason why Alipay and WeChat can't use credit cards is merchants. In the process of daily payment, you will find that there are more merchants who can use flowers than those who can use credit cards. Let's take Alipay merchant service as an example.
Merchants are not qualified to open credit card collection.
We all know that cashing in credit cards is illegal. In order to prevent merchants from cashing out credit cards by using the receipt code, Alipay will review the qualifications of merchants. For example, in the screenshot below, I opened the credit card collection before, and later closed the credit card collection function because of incomplete information, so customers could not choose a credit card during the payment process.
However, the threshold for picking flowers is relatively low, and I am not prompted to complete the information at present.
Credit card and flower shop recipients need support fees.
Like shopping mall pos machines swiping credit cards, using credit cards in Alipay still requires a handling fee, which is directly deducted from the merchant's collection without the customer's payment. In the above picture, my credit card handling fee rate is 0.8%, that is, the customer pays 1000 yuan, and I can only receive 992 yuan.
Many merchants' commodity pricing does not take this part of the handling fee as the cost, so it is naturally unnecessary to open the credit card collection function.
As for flower buds, we can see that the handling fee for orders below 150 yuan is lowered, and the rate for orders above 150 yuan is 0.6%.
The above are the reasons why many businesses can't pay by credit card, and I hope it will help the subject.
Why do some people say that really rich people don't use credit cards?
Rich people like to use credit cards, not to say that they don't. Maybe many people think that rich people need credit cards because they have "mines at home" and "hundreds of millions of cards"? On the contrary, the rich like to use credit cards best. Why?
First, there seems to be little difference between credit card consumption and cash consumption, and credit card repayment is more troublesome. Rich people shouldn't like trouble. However, the reality is very different. What is the difference? The difference lies in the time difference between credit card payment and cash payment.
Cash payment, the current funds in the bank card can be paid in cash, and the funds for regular and bank financing cannot be paid. But what about credit cards? Credit card is the right that the bank gives depositors to pay in cash by swiping the card. You can use it directly when you consume it, and the longest billing period is 56 days. Because the time spent is different, there is generally an average billing period of one month.
The annualized interest rate of cash bank savings is 0.35%, 6,543.8+0,000 yuan, and the annual interest rate is 3,500 yuan. But what if I pay by credit card? It is entirely possible to subscribe for 30 days of financial management a month and repay it when it is due. The annualized interest rate of bank's 30-day term wealth management generally exceeds 3.5%, which means that the total amount of wealth management in one year reaches 654.38+00,000, with interest of 35,000, which is 654.38+00 times of the interest income of cash current savings.
So, in this case, the spread is obvious. As a rich man, I certainly won't miss this opportunity.
Second, rich people also use credit cards. As the richest man, Comrade Ma Yun wanted to go to a bar when he was on a business trip in Chongqing, but in the end, he paid by credit card instead of Alipay. As the richest man, he will also use a credit card.
Therefore, it's not that rich people don't use credit cards, but they like to use them very much.
Who says really rich people don't use credit cards?
Let's take a look at the real experience of Jack Ma, the richest man in China, replacing Alipay with a credit card.
At the beginning of this year, Ma Yun went to Chongqing to attend an activity. When he is bored at night, he goes to a bar in Chongqing to relax. When checking out, everyone was surprised to find that Ma Yun did not use Alipay recommended by the store, but used a very practical credit card to spend.
Therefore, rich people who don't use credit cards are directly beaten by Ma Yun!
In fact, there are many rich people who use credit cards. What they value is the rights and functions of credit cards, not the amount of credit cards.
In the eyes of ordinary people, everyone attaches great importance to the credit card limit. The larger the quota, the more space they can use. But in the eyes of those rich people, the credit card limit is just a number. What they value is not the credit card limit, but the rights and status symbol inside.
The bank's credit cards for the rich are not like ordinary people's gold cards or small platinum cards. Those who are worth millions, tens of millions or even tens of billions all take diamond platinum cards or centurion black gold cards. The rights and interests of these credit cards far exceed our imagination.
Take the diamond platinum card as an example. Some of its rights and interests probably include the following:
Centurion's black gold card rights are even worse, and it is a real status symbol.
Centurion Black Gold Card is known as the king of credit cards, but it can provide cardholders with world-class private services. It claims that there are only things you can't think of and nothing it can't do.
Once, a centurion with a black gold card was driving in the hinterland of the Sahara desert. Unfortunately, the gasoline ran out and the car rental company refused to help. Finally, through the Moroccan army, a helicopter was dispatched nearby to rescue him from the desert. It sounds like a fantasy, but it is really possible for a centurion with a black gold card.
Centurion's black gold card is a good explanation: real wealth is a way of life or way of thinking, not the number in the bank account. As long as you take out the black gold card, you will convey the signal that "you are not an ordinary person".
Therefore, even rich people from all walks of life want to have such a credit card. Even the rich second generation like the headmaster will send a Weibo to find their whereabouts if they lose the centurion's black gold card.
So after popularizing this knowledge for you today, don't tell jokes about real rich people who don't use credit cards in the future.
People who can say this view either don't know credit cards or don't know rich people.
Let's start with the rich. Ma Yun, Wang Sicong and others are rich people. Ma Yun went to the bar to spend money, but he still swiped his credit card. Wang Sicong's lost wallet was full of all kinds of black bank cards, and he also revealed that he had some high-end credit cards.
In addition to credit cards, the most stable part of the intermediary business income of most banks comes from the annual fee of high-end cardholders, which all banks attach great importance to. The existing users and new users of rigid annual fee platinum card are the most important part of KPI assessment of global card center. If there are a large number of high-end card issuers in a certain area, the card center will select high-quality merchants in the local area to discuss cooperation and serve these high-end cardholders. Because these people are the backbone of credit card users.
In fact, the richer people are, the better they will settle accounts. As a financial management tool, credit card is very competent and efficient. Although many high-end platinum cards charge an annual fee of several thousand yuan, the services they contain are exactly what many rich people need. These services are very expensive if purchased separately. Buying rights and interests in bulk through banks and then distributing them to their own high-quality customers is very low.
To put it simply, a credit card with an annual fee of about 3,000 yuan will generally contain more than 8,000 yuan, but these rights and services are not needed by ordinary people at all, and only the rich will need them.
The person who said this didn't really understand all the functions of credit cards.
For most ordinary people, the function of credit card is to solve financial problems. For the rich, the role of credit cards is more of a status symbol. Rich people may not take the initiative to apply to the bank, but the bank will take the initiative to come to the door and invite these rich people to apply.
Rich people's credit cards are also very different from ordinary people in terms of rights and interests.
Briefly introduce a centurion black gold card.
This is a credit card issued by American Express, which is a top credit card. In China, only ICBC, Minsheng Bank and China Merchants Bank can handle it. There is no limit on the amount of black gold card abroad, but it is generally within100000 in China. You must have an average annual deposit of 20 million yuan in the bank to qualify for the application.
Its rights and interests can be great. Centurion Black Gold Card can provide private jet service for cardholders. There are personal guards at more than 300 airports around the world to help you board the plane and enter the customs quickly. Legal aid, personal doctors and travel advice are always available.
Summary:
The function of credit card can be roughly divided into overdraft function and rights service. For the average person, using a credit card is more inclined to use its overdraft function. For the rich, the overdraft function of funds is secondary. What they really value is the distinguished experience of credit cards.
Bank research monk, you study, I will follow!
That makes sense! Since I got the first credit card in my life in 2000 with a credit limit of 65438+100000 through internal banking relations, I really think it is very convenient to have a credit card. At that time, my financial situation was not very good, and I often used credit cards to spend or even withdraw cash. Later, I applied for multiple credit cards. By 20 10, I have three platinum cards with a limit of over 50,000 and six ordinary cards with a limit of less than 10,000. At that time, it was very inconvenient to pay back the credit card, and everyone had to go to their respective bank counters to pay back the money. Even so, I always think credit cards are useful!
20 10, spent 65,438+million in one breath in Hong Kong, and bought back a batch of Apple 4 mobile phones, IPAD, an all-in-one computer and a Blu-ray DVD player, which have not been returned yet. When spending money, I found it cool to swipe my credit card, and it felt like spending other people's money. But afterwards, I asked the company's finance department to calculate the accumulated interest, withdrawal fee, late payment fee and interest rate of these credit cards. I was shocked! I understand what you mean when you say there is no such thing as a free lunch!
20 1 1 year, I ended my single life and married a beautiful woman. To show my pure love, I paid off all the money in eight credit cards and cancelled them all. At the same time, I gave all my bank cards to my wife, accompanied her to various banks, took out the money in my card, transferred it to the bank card in her name, and then cancelled all my own bank cards one by one, leaving only my personal salary card.
Now we don't have a credit card in our husband and wife's life, and we don't have to worry about repayment reminders! Anyway, the bank card is directly bound to WeChat! Every time I go on a business trip, my wife always puts 1000 in her wallet and puts it in her bank card, but she almost gets it back every time! I'm not rich either, but credit cards seem to have nothing to do with me. I also believe that mobile payment is so convenient and rich now, anyone who wants to apply for a credit card and borrow money for repayment is in trouble!
Why do some people say that really rich people don't use credit cards?
A: Who said that rich people don't use credit cards? Does Ma Yun have money? He spends money outside without Alipay, but with a credit card. Ma Yun has three credit cards, all with a credit limit of 2 million.
What I want to tell you is that the rich have credit cards and the poor have some, but the poor have no ability to make money, making ends meet and eventually becoming black households; There are also some poor people who dare not apply for credit cards at all. They are called white households because they are afraid they can't afford it.
Why do rich people have credit cards? Because the rich will deposit in the bank, so will the so-called poor, and the rich loan is the truth. Which rich man can leave the bank? You can't live without anyone. If you don't apply for a loan or a credit card from the bank, you are a white household in the eyes of the bank, and the bank is afraid to deal with white households.
There are two key words in the question: rich people! What we need to know is, what are the criteria for truly rich people? Searching for rich people (that is, rich people) on Baidu refers to some very rich people. The rich refers to the rich whose total personal assets are between 50 million and 654.38+billion yuan and whose annual income is above 654.38+0 million yuan. According to this standard, Lao Guo thinks this question is incorrect. Because most "rich people" around Lao Guo are using credit cards!
Some people may say that those who have some money, those who have money, can use their own debit cards or cash to spend. Of course, mobile payment is very convenient now. Anyway, with money, what credit card can I use?
But in fact, it needs to be clear that credit card is a kind of "credit consumption", that is, the process of spending in advance, spending today and paying back the money tomorrow. At first, or now, do you remember that there is a threshold for applying for a credit card? Most people who can apply are either rich white-collar workers or people with certain assets. It is precisely because of people who are poor, have no fixed income and no assets that most of them can't apply for credit cards. So, in essence, credit cards are actually for the "rich". Of course, now everyone is generally rich, and credit card competition is also great. Most people are eligible to use credit cards.
In addition, when we are still considering the annual fee of credit cards, will we find that people have never used diamond credit cards or credit cards with high annual fees? So, who is using all these? There is no doubt that many rich people are using it. The credit cards they use have VIP seats at the airport, special services in 4S stores and VIP areas in banks? You will find that rich people also use credit cards, and may use credit cards that pay annual fees, senior credit cards!
In fact, rich people will use credit cards more.
The starting point of using credit cards is necessities, and it has nothing to do with money.
Credit card is a derivative of advanced consumption consciousness in western countries, which gives people the opportunity to spend income next month or even next month. Therefore, this has become a magic weapon for people who are "always short of money". But for those who can spend money and manage money, their monthly expenses are relatively fixed, which can not only use up money, but also save money. Why do they lend money to others to spend under such circumstances?
I have never used a credit card, and few of my relatives and friends use it. Rich people really don't use credit cards, and people without money know how to be frugal and dare not borrow money to spend. However, the craziest person among my classmates who uses credit cards is a rich man. He has opened many bank credit cards since he graduated from college, and it has been ten years. Now he has a family and is the vice president of his father's company, but he still has the habit of spending by credit card. Although the company's market value is hundreds of millions, he and his wife each have a BMW 5 Series, but his monthly income is relatively tight, and he is embarrassed to always ask his father for money, so some consumption depends on credit cards, and it is really impossible to get up, so he quietly pays back the money at one time with the subsidies given by his mother.
At present, the main users of credit cards are the post-90s generation. Few children in this generation have suffered from childhood. When the school has no income, their spending power has always been relatively strong. After entering the society, their consumption has become stronger, so the money is still not enough. It is common to spend money next month. If you don't apply for a credit card, you have to spend money and borrow money. If not, campus loans will not take advantage of it, so many students will not be deceived. This is a chain reaction caused by vanity and advanced consumption consciousness. If a person can sell his kidney in order to change his mobile phone, isn't borrow money to spend normal?
This can't be generalized. Many rich people also use credit cards. For example, I saw on the Internet that Ma Yun spent more than 1000 yuan in a bar and used a credit card. Wang Sicong also used a credit card. Can you say that they are not really rich?
Personally, I think that the use of credit cards has a lot to do with personal consumption habits and financial awareness. Of course, personal economic conditions also affect the use of credit cards. From these two points of view, there may be the following three types of people who use credit cards the most frequently:
1. Rich people with strong financial management concepts:
It is often said that the richer a person is, the meaner he is. The "stingy" here can be understood as that he has a strong sense of financial management and wants to make good use of every copper coin. Because there is an interest-free period of more than one month when using credit cards, how can these "stingy" rich people miss this opportunity to earn interest?
Rich people who do business usually spend a lot of money, from top to bottom and from the inside out. If they all use famous brands, the conservative estimate is tens of millions. Coupled with the usual entertainment consumption, if you use credit cards, it will be tantamount to millions in more than a month, and there will be a lot of interest inside. Therefore, for rich people who usually spend more, the benefits of using credit cards are obvious!
Second, the moonlight clan card slave:
Credit cards have an interest-free period, which is good news for the moonlight family. If this month's salary is gone before the middle of the month, it is a good choice to swipe a credit card. Many credit card experts use this interest-free period to collect a lot of interest income. But if not handled properly, it is easy to become a "card slave." After all, "Ten Radishes and Nine Pits" is not so fun!
III. Employees in the financial industry:
Practitioners in the financial industry have a strong concept of financial management, and more people use credit cards, so they will not have resistance to credit cards.
The above personal views are for reference only, welcome to leave a message for discussion!
About why the company doesn't use credit cards, the company doesn't allow the introduction of credit cards to end here. I wonder if you have found the information you need?