Rural credit cooperatives union belongs to rural cooperative financial institutions. Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members. Is a local bank, qualified to absorb deposits and loans, and the bank card issued by it belongs to this bank.

Extended data:

1. Fujian Rural Credit Cooperatives Union is a provincial financial institution with independent legal personality, which is composed of 67 rural credit cooperatives and rural commercial banks in Fujian Province. It is a specialized agency of the provincial government to manage rural credit cooperatives. Simply put, banks are regional banks and do not cover the whole country. Bank of Beijing, for example, is only available in Beijing.

2. Fujian Rural Credit Cooperative Association also belongs to the banking system of China, so it can also be used in other areas or handle business across banks.

3. If you have specific questions, you can also call customer service at 96336 (in the province), 059 1-96336 (outside the province).

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.