Hello! Whether it is a rural credit cooperative, a rural cooperative bank, or a rural commercial bank, all bank cards are serious and standard UnionPay cards.

1. The cards of rural credit cooperatives can be divided into two types: debit cards and credit cards.

1. Credit card. Credit cards are also called credit cards and overdraft cards, and they have the same functions as the credit cards we usually use.

2. Debit card. The debit card does not have an overdraft function. You can only deposit money into the debit card account before you can withdraw funds, transfer and other functions. There is one type of debit card called Funong Card, with which you can apply for small loans by yourself.

2. Introduction to rural credit cooperatives:

Rural credit cooperatives refer to rural cooperatives 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. financial institutions. 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. 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. 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 a department under the dual leadership of the China Banking Regulatory Commission and the State Council.

2. Characteristics of rural credit cooperatives:

As a banking financial institution, rural credit cooperatives have their own characteristics, which are mainly reflected in:

1. Farmers It is a cooperative financial organization jointly formed with other individuals in rural areas to raise funds and with mutual assistance as its main purpose. Its business operations are managed and operated by members designated by members on the basis of democratic elections and are responsible to the members. Its highest authority is the Members' Congress, and the executive body responsible for the management of specific affairs and business operations is the Board of Directors.

2. 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.

3. 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.