(2) Saturday and Sunday: I go to work from 9:30- 16:00 every day, but I can only handle personal affairs. It is suggested that I only handle personal savings business on weekends, and it is best to choose working days to handle loans.
Rural credit cooperatives are rural credit cooperatives, which are established with the approval of the People's Bank of China. They are composed of members' shares, managed democratically, and mainly provide financial services for 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 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 limit and crack down on usury.
Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zheng Tong Rural Credit Cooperatives Training School, Credit Department of Rural Credit Cooperatives, etc. At present, it is under the dual leadership of China Banking Regulatory Commission and the State Council.
Characteristics of rural credit cooperatives
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 regulate 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 usury according to the provisions of national laws and financial policies.
Legal basis: According to the provisions of the Labor Law, normal work should not exceed 8 hours per day and overtime should not exceed 3 hours per day, so the total daily working hours should not exceed 1 1 hour. However, it is not allowed to work overtime for 3 hours every day, because the labor law also stipulates that overtime should not exceed 36 hours per month, which means that you can go to work every day 1 1 hour, at most 12 days. Moreover, the Labor Law stipulates that overtime must be paid according to regulations (overtime can be paid on weekends). Whether the wages for the first seven days are calculated by hours can be negotiated, as long as the workers and units are willing, but not lower than the local minimum wage.
4. The following funds can be transferred to the personal bank settlement account:
(1) salary and bonus income;
(2) Income from labor services such as manuscript fees and performance fees;
(three) the principal and income of bonds, futures, trusts and other investments;
(4) Income from the transfer of personal creditor's rights or property rights;
(5) Personal loan transfer;
(6) Securities trading settlement funds and futures trading deposits.
(7) Inheritance and money donation;
(eight) insurance claims, surrender and other payments;
(9) Tax refund;
(10) Sales revenue of agricultural and sideline products and mineral products;
(1 1) Other legal funds.
2, the unit from its bank settlement account to personal bank settlement account, each more than 50 thousand yuan (excluding 50 thousand yuan), should provide the following payment basis to the bank:
(1) wage agreement and payee list;
(2) Award-winning certificate;
(3) the labor contract signed by the press, publication, performance organizer and other units with the payee or the proof of payment to the individual;
(4) The certificate that the securities company, futures company, trust and investment company and lottery issuing or underwriting department paid or refunded the natural person;
(5) Agreement on transfer of creditor's rights or property rights;
(6) Loan contract;
(7) Insurance company certificate;
(eight) the certificate of the tax collection and management department;
(9) Contracts for the purchase and sale of agricultural and sideline products and mineral products;
(10) Other legal fund certificates.
Can the money in the company account be transferred to the personal account?
You can transfer money to any legal account, including personal account, provided that you have opened corporate online banking to your company account. I need to know the payee's name, account number, and bank name. If the amount paid from the enterprise account to the individual account is taxable, the withholding agent shall provide the tax payment certificate to the bank where the account is opened. The tax payment certificate is a tax payment certificate (copy) that the payer can issue.
Legal basis:
Article 1 In order to standardize the opening and use of RMB bank settlement accounts (hereinafter referred to as bank settlement accounts), strengthen the management of bank settlement accounts and maintain the stability of economic and financial order, these Measures are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China and the Law of People's Republic of China (PRC) Commercial Bank.
Article 2 These Measures shall apply to the bank settlement accounts opened by depositors in banks in China.
The term "depositor" as mentioned in these Measures refers to the organs, organizations, military units, enterprises, institutions, other organizations (hereinafter referred to as units), individual industrial and commercial households and natural persons that have opened bank settlement accounts in China.