Can't.

Qualified shares are non-refundable but can be transferred. The second is investment shares. The share capital can be returned after three years. The dividends are settled once a year. You only need to hold the gold certificate to the local credit union to receive the dividends. If you don’t want to

If you hold shares in a credit union, you can find someone who wants to hold shares in the credit union to transfer them or ask the staff of the credit union to help keep an eye on people who want to buy shares.

The stock capital of credit unions is not a true meaning at present. It is just a different display of funding sources in accounting accounts. Regardless of whether it is a qualified stock or an investment stock, the actual nature is the same as a deposit.

Legal basis: Article 465 of the "People's Republic of China and Civil Code" A contract established in accordance with the law shall be protected by law.

A contract established in accordance with the law is only legally binding on the parties, unless otherwise provided by law.

Extended information: The Banking Regulatory Commission requires that the withdrawal of shares of rural credit cooperatives must meet the following conditions before the withdrawal can be processed: 1. The shareholder submits an application for withdrawal; 2. The credit cooperative is profitable, and the capital adequacy ratio after withdrawal reaches the required requirements. 3.

Hold for three years and transfer all investment shares held. 4. With the approval of the board of directors, rural commercial banks, referred to as: Rural commercial banks, are farmers, rural industrial and commercial households, corporate legal entities and other economic organizations within their jurisdiction**

*A joint-stock local financial institution composed of joint shareholders.

All rural cooperative banks must be restructured into rural commercial banks.

On May 21, 2019, the People's Bank of China announced the "Notice of the People's Bank of China on Lowering the RMB Deposit Reserve Ratio for Rural Commercial Banks Serving County Areas", in response to the central bank's announcement on May 6 that it would implement a lower deposit reserve ratio for small and medium-sized banks.

The policy framework was further refined.

Cash and current savings deposits can be directly applied for time savings deposits. The minimum deposit amount for opening a regular account is 50 yuan, and there is no limit to more deposits.

The deposit period is three months, six months, one year, two years, three years and five years.

You can make partial early withdrawal once. When the deposit matures, you can withdraw the principal and interest with the deposit receipt. You can also automatically transfer the deposit multiple times according to the original deposit period.

Interest on timed savings deposits will be calculated based on the deposit interest rate on the date of deposit certificate opening. Interest on early withdrawals will be calculated based on the current savings deposit interest rate on the withdrawal date. For overdue withdrawals, interest will be calculated on the overdue portion based on the current deposit interest rate on the withdrawal date.

You can apply for a small mortgage loan with your time deposit certificate.

For unexpired time savings deposits, the depositor must present the deposit certificate and the depositor's identity certificate to withdraw in advance; for withdrawals on behalf of the depositor, the drawee must also hold his or her identity certificate, and the interest rate shall be based on the current savings deposit announced on the date of withdrawal.

Interest will be calculated based on the interest rate, and the person who withdraws the money must also sign the name of the person who withdraws the money on the payment voucher.

Depositors can withdraw part of unexpired time savings deposits in advance as needed, and the verification procedures remain unchanged. The interest rate for the early withdrawal portion shall be based on the current savings deposit interest rate announced on the date of withdrawal, and the retained part shall be settled based on the original deposit date and original interest rate.

Settled upon maturity.

Partial early withdrawal can only be made once per deposit certificate for lump sum withdrawals. If partial early withdrawal has been processed, the savings institution will indicate the words "partial early withdrawal" on both the paid deposit slip and the newly opened deposit slip for the retained part.

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(After March 1, 2011, lump sum deposits with China Construction Bank, whether deposited before or after deposits, can be partially withdrawn unlimited times, no longer limited to one time.