Six insurances, two golds, double holidays, and year-end bonus. The welfare benefits of rural credit cooperatives mainly consist of basic salary, performance bonus, subsidies and welfare benefits. Benefits: six insurances, two golds, two holidays, year-end bonus. Rural credit cooperatives (referred to in Chinese as rural credit cooperatives, rural credit cooperatives) refer to rural cooperative financial institutions established with the approval of the People's Bank of China, composed of members as shareholders, practicing democratic management, and mainly providing financial services to members.