What should make clear above all is, although rural credit agency becomes a shareholder by the commune member, and in put oneself in another's position of user dimensions, capital quantity, wind accuses the index such as ability to go up weaker, but farming letter company also is the financial orgnaization that the country approbates.
That is to say, although rural credit agency went broke, so the money that common people puts inside, get as much " deposit insurance byelaw " protection. Basis " the bank controls administrative standard " :
"The cooperation of credence of bank of collaboration of the commercial bank that creates in our country churchyard, country, country banking finance that draws deposit orgnaization, ought to according to regulation is cast save an insurance. Ought to according to regulation is cast save an insurance..
Apparent, farming letter company is normal financial orgnaization, also can absorb the public deposit, extend discount of loan, bill, issue financial bond to wait a moment, do not have substaintial distinction with the commercial bank.
Just, the site of farming letter company is in the out-of-the-way place such as country, suburb centrally more, client group is much with farming give priority to, so ordinary common people does not understand farming letter company also is normal.
Will look from the development institution of our country, the possibility that rural credit agency goes broke is not large. Nevertheless, the experience that farming letter company goes broke has produced really on the history, also caused wide attention at that time.
2011, the farming letter company that countrywide head home is gone bankrupt by approval -- Shang Cun of peaceful county of Heibei province respectful farming letter company already program of judicatory of make one's bow. As to farming letter the company closes down compensatory problem, everybody did not need to worry.
Because of the after all it has governmental background, although be faced with,go bankrupt, the government also can endeavor to rescue. The most important is, farming letter him company also joined deposit insurance to the Central Bank.
Once appear,crisis of management risk, cash is faced with when closing down, the deposit insurance device below Central Bank banner will repay for depositor generation the deposit of depositor, namely our place is hep " insurance saving byelaw " .
Small finance expresses, basis " deposit insurance byelaw " the 5th regulation: Deposit is sure to execute limitation liquidate, top pay limitation is a RMB 500 thousand yuan.
Of 500 thousand although look,keep the specified number be like not much, but already covered the throughout the country the deposit of the common people of 99.67% . Besides a few tycoon, major depositor can satisfy the requirement of sum cash.
Say so, no matter depositor is putting Qian Fang in commercial firm of farming letter company, city, still be commercial bank of countrywide share-holding system and state-owned bank, security is same, 500 thousand yuan are met 100 percent below liquidate gives you.
Editor-in-charge Piao Henry
