Rural commercial banks were restructured from rural credit cooperatives through banking reform. At present, rural credit cooperatives in Jiangsu, Zhejiang, Anhui, Shandong and other provinces have completed their historical mission and all of them have been transformed into rural commercial banks. Other provinces are also accelerating the pace of reform. I believe that in the near future, rural credit cooperatives will withdraw from the historical stage and be replaced by rural commercial banks established in various places. It can be said that the development of rural credit cooperatives has entered the 2.0 era.
The development of rural credit cooperatives for more than 60 years is arduous, but the feelings of blood thicker than water established with farmers, agriculture and rural areas are increasing day by day, which will not be weakened by the replacement of rural commercial banks, but will only become closer. An employee of a rural commercial bank once said that if we go to the village to visit marketing, people ask us which bank we are, and we all answer like this: we are from the rural credit cooperatives, which is now the rural commercial bank. Such an answer can shorten the distance between us and the people at once, and also reveal the people's recognition and familiarity with our rural credit cooperatives from another level.
So, what's the difference between rural commercial banks and rural credit cooperatives?
1, different names. It used to be called rural credit cooperatives, but now it is called rural commercial banks. Credit cooperatives have changed their banks, but both of them have the word "agricultural", which shows that no matter how we change it, no matter what we change, we are all banks of ordinary people. We are closest to you and know your financial needs best.
2. The signs are different. The same symbol used by rural credit cooperatives all over the country is called "green hand", which means spreading green and seeking happiness for the people. The signs of rural commercial banks have undergone different changes, and their signs have different meanings based on different regions and characteristics. Even the signs of each rural commercial bank are different, which reflects the remarkable characteristics of local legal person institutions of rural commercial banks.
3. Different service functions. Rural credit cooperatives mainly rely on traditional financial services, with deposits and loans accounting for the vast majority. On the other hand, rural commercial banks are different. They are upgraded from traditional financial services and can provide all-round financial services. No matter what kind of financial services you need, rural commercial banks can provide and support quickly and effectively, that is to say, rural commercial banks can provide differentiated and personalized financial services according to your needs, which can cover most rural areas.
4. Different development capabilities. Compared with rural commercial banks, the development ability of rural credit cooperatives is weak, and all kinds of innovation ability are also slightly insufficient. After the reform, the expectations of shareholders, employees and the support of customers have become the biggest source of development for rural commercial banks. In other words, the restructuring has brought rural commercial banks the opportunity to start a second business, showing strong development potential and broad market prospects, which can be strongly verified by rural commercial banks that have been listed or will be listed soon.
In a word, the reformed rural commercial banks have more development momentum, stronger innovation consciousness and higher service efficiency, but the true nature of serving the people has not changed. They are always closest to the countryside and farmers, and win by agriculture.