You had had this kind is vexed: Lie between 3 difference the information of 5 the cost that urge capture that receive a bank to be given out with all sorts of name, when inquiring Zhang is odd, often discover oneself do not know when the without anybody knowing it handed in indescribable poundage, account encounters a problem, dial phone of relevant customer service to be hit forever be illogical. . . . . . If your feeling is the same as experience, perhaps can be opposite so the following this story generation is resonant:
In November 2011, the Xiaoshang of a los angeles door east advocate because Kristen Christian is driven beyond forbearance the bank rises again and again collect fees, friends are started to boycott a bank together in Facebook. "I am fed up with a bank to rise easily collect fees, be fed up with the money that does not take oneself however when be badly in need of, be fed up with the fund that uses me to be in charge of the period of leave taking salary that pays them high for those luxury! Be fed up with the fund that uses me to be in charge of the period of leave taking salary that pays them high for those luxury!!
Unexpectedly this is small only originally hit small smallness activity, resonant actually all-time and enthusiastic, numerous netizen hundreds respond to a single call, him mover of result a running fire only then makings do not -- careless root protest evolves into the motion for countrywide dimensions, obtain 77 thousand person to answer. Then, christian is started in wall street " the bank turns Zhang day " (Bank Transfer Day) , appeal the people moves deposit to credit cooperation and area bank from big bank, with actual travel tendercy the article of Xiang Yu the Conqueror of big bank says not.
"Battle " lasted a half moon, "Occupational wall street " athletic development popular feeling, the situation is varied. Banking organization says, the American of tens of thousands of forms battle alliance in Facebook, close bank account, divert fund American credit agency.
What him Christian also becomes journalism is new bestow favor on, obtain invite appear in countrywide TV program. She states she already opened account in two credit agency, preparation and bank make a thorough break.
And this " battle " the biggest be benefited each great credit cooperation of United States of square nothing is more... than. Cooperation says, since then, this company everyday groovy new account opened a quantity to achieve previously fivefold.
What is credit cooperation?
Current, the United States shares cooperation of about 5000 credence, 91.8 million members. The major servicing of credit cooperation is to be its member to provide the financial service such as loan, among them real-estate loan is its mainstay business, the share that commerce borrows money is minor, the upper limit that its take full loan is 12.5% . Credit cooperation serves already at the city, also serve at the country, be in the United States and do not have special rural credit orgnaization. For convenient member, at present most credence cooperation opened service of the bank on the net.
Credit cooperation executes a member to make, the deposit that stocks certain amount namely can become a member, deposit makes the share of the member namely, the doorsill is very low, rise commonly put amount to be 5 dollars about. Credit cooperation executes an one ticket to make, no matter share how many. All members have authority to attend year shareholder plenary meeting, exercise its speech counterpoises, lowest of year shareholder plenary meeting attends a number to must reach 15 people, attend a number on average to be 15~300 person about. Its tenet is to be member service, belong to blame seek profits orgnaization, because this its directorate member and superintendency committee member all are justice labour, directorate member arises by membership vote, superintendency committee arises by member or directorate member election. And, compare with photograph of other finance orgnaization, the administrator income of credit cooperation is inferior. But introduce according to them, staff turnover rate is very low, what everybody cherishs to serve for the member just about really is enthusiastic working; Nevertheless, the staff member liquidity with stronger professional ability is higher.
Credit cooperation of the United States can be registered federally already, OK also the city is registered. The city registers an orgnaization to must serve only at Honshu. Superintendency bureau is in charge of countrywide credence cooperation registering the superintendency of credit cooperation federally, state level also sets corresponding superintendency orgnaization. According to legal provision, all federal register credit cooperation to must enter fund of insurance of credit cooperation deposit (the deposit insurance) that similar bank capture gives federal bank savings insurance company, the city registers credit cooperation to be able to choose to join independently, at present the credit cooperation of the majority already all added this insurance fund. The financing source of superintendency orgnaization includes the investment income of the superintendency cost to collection of orgnaization be superintendencied and deposit insurance fund.
What does the most welcome credit cooperation have?
Association of naval and federal credit
(Navy Federal Credit Union)
Association of naval and federal credit is the world's greatest credit card alliance, held water 1933. Calculate a member to had retired from army, retire or marry, won't affect all services that confederative and naval credit provides. It may be said " a day of member, lifelong member " . Come nearly two years, amount of its staff member expanded 33% , 700 much members are had in the whole nation, they own the property of more than 78 billion dollar.
The original intention that association of naval and federal credit establishs is to be American navy to provide financial service. Today, it to the whole world the army of 3.6 million above and staff member of department of defense and its family member provide loan, deposit, credit card, investment and insurance service. Association of naval and federal credit is the credit cooperation with the greatest whole world and fortune 100 strong companies, headquarters is set in the United States to not auspicious Ni Yazhou, branch network is fast and outspread, there are 205 agencies in the whole world at present. Seek profits as a blame sexual organization, association of naval and federal credit devotes oneself to to run the business with taller cost effectiveness. To achieve this goal, it is in while center of the Internet that passes oneself, mobile equipment, call and world of branch agency consign serve first-rate, will economic fund is returned return its member.
Association of naval and federal credit because the member is fast grow in quantity, global business is ceaseless and outspread, consequently need ensures long-term service quality. Meanwhile, it needs utmost ground to reduce cost, make the service of oneself holds high competition ability and appeal to troops officers and soldiers and its family member. Like a lot of banking organizations, the support of association of naval and federal credit has in cost is the tall usability that is used at purchase to need and high-powered infrastructure partly greatly very (use at memory and processing client data and finance to trade) .
Serve car association jointly
(United Services Automobile Association)
Serve car association to held water 1922 jointly, it is one is main client with soldier and soldier's dependents at first, provide the company with safe car, grow to serve a company for the finance of an all-round gradually later. 2010 " Forbes " the world that chooses 500 strong in, USAA ranks 483. Association of associated service car serves client of Yu Jun's person heart and soul group. The soldiers that these leather shoes often brush shinily are having very strong liquidity, among them many people face distinctive financial difficult problem.
For this, USAA company becomes a home to allow to use Iphone to handle the bank of deposit business, send a short message to impart account information to battleground soldier client regularly. When the soldier accredits abroad executive task, USAA still can reduce the insurance cost of the car that its have in home.
Why is American infatuated with credit cooperation so wide?
Adv unimaginably is, the United States has credit company in country, community not only, and the credit company that there also are oneself in all universities and company almost. American also lets a person to the faithfulness of credit agency acclaim as the peak of perfection -- when the money that owed bank and credit agency at the same time when a certain American, he will be preferential the consideration repays the debt of credit agency. Credit cooperation has a tiny bit of land, main profit from competes under its advantage:
Enjoy taxation privilege. Credit cooperation can enjoy federal tax derate, but state tax whether derate inspects each state legislation and different.
Enjoy inferior superintendency demand. Considering the weak power position of credit cooperation, the United States is opposite about superintendency demand side give the wrongdoer a way out of credit collaboration society, for instance credit cooperation can avoid Yuduode Frank in act " Durbin " formulary tie.
Interest rate is inferior. Afore-mentioned favourable policy made sure credit cooperation can provide a help for the member with inferior interest rate, implementation includes the target of sexual finance. "Take at the member, those who use at the member, be in harmony of the member that attend the meeting is an organic whole " the mechanism also conduces to attract a client.
Credit cooperation compares understanding to the circumstance of the member commonly, conduce to on one hand reduce the cost such as the investigation before borrowing, improve efficiency; Also conduce to safeguard asset safety on the other hand.
Cost is reduced between credit cooperation through strengthening cooperation. The ATM machine that for instance the member of A credence cooperation below cooperative network uses B credence cooperation is free, vice versa. In addition, american letter adds up to insurance group to be credit cooperation and its member technically to provide all sorts of insurance, include loan to protect danger, money danger, birthday danger to wait, similar group is safe, the condition is more favourable. And, the United States still sets technical credit cooperation to capital is adjusted and clear a system. Credit cooperation establishs his association, city and confederative level have, association is offerred for credit cooperation already seek advice, the service such as Training Within Industry, also can begin go canvassing to maintain the interest of credit cooperation.
Chinese enterprise is apocalyptic
The client fixed position that by right of its essence of life follows and oneself characteristic won credit cooperation to establish the ground of the body, share of its deposit market rises gradually in recent years, prospective development latent capacity nots allow small gaze, also have quite to the circumstance of our country draw lessons from a meaning.
Encourage much type, mutiple level put borrow an orgnaization to coexist
Of a variety of a variety of types, administrative levels put borrow an orgnaization to coexist, can satisfy the requirement with different different crowd. With our country a lot of credit agencies are eager to turning make the case that is a commercial bank differ, the superintendency authorities of credit cooperation of the United States does not encourage credit cooperation to turn restrict a bank. For this, the country offers credit cooperation a lot of privilege from system, policy, make credit cooperation has live enoughly and develop a space.
Although China cannot the mode of United States of complete copy word for word, but the United States is encouraged mutiple level the practice that financial orgnaization coexists still has draw lessons from a meaning certainly. China is not lacked at present " lofty on " modern banking orgnaization, lack cost however the financial orgnaization that the cheap, interest that serves convenience, client and financial orgnaization binds together. Whether coronal with " modern " not important, important is to look whether the demand that group of contented low income serves to finance.
Encourage ripe world to help each other finance
Acquaintance society is lower than the credit cost of new society much, so the United States is paid attention to very encourage help each other with having the acquaintance of common bond to establish model credit cooperation, trade in order to reduce cost. Credit cooperation of the United States is community not merely model, more it is the credit cooperation that comprises by identical profession setting or member of same society party. So, the type of credit cooperation of the United States is very extensive, there is credit cooperation in the White House even. Under photograph comparing, superintendency department of our country finance encourages credit agency to change energetically make for the commercial bank, credit agency helps each other from acquaintance model go gradually gradually far, trade cost is higher and higher, the finance that makes low income crowd enjoys low cost very hard serves.
Maintain the competitive environment of the balance
Credit cooperation of the United States and commercial bank are congeneric borrow an orgnaization at putting, both have competitive concern, although congress and government offer credit cooperation quite a few favourable policy, but also give credit cooperation a few restriction, basically be the limitation of member admittance qualification and scope of operations, make its cannot expand indefinitely. This kind of balance can stabilize credit cooperation on one hand, avoid its to go " lofty on " bank line; Also remove the doubt of the bank on the other hand, prevent credit cooperation and bank imparity competition.
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