The interest of rural credit agency is higher than other bank, the safety side Qian Cunli?

Qian Fang is installed inside the bank insecure, with accrual tall did not contact directly. Be in especially come on stage " deposit insurance byelaw " later, if same client is in same home bank,the financial capital inside the orgnaization does not exceed 500 thousand yuan, so although this bank goes broke, the client's money also gets countervail 100 percent! Rural credit agencyRural credit agency shows approval of bank of classics China people is established, become a shareholder by the commune member composition, execute democracy management, main the orgnaization of rural collaboration finance that provides financial service for the commune member. Rural credit agency is independent legal entity, with its total assets assumes responsibility to debt of rural credit company, enjoy civil rights lawfully. Its are main the task is to raise money rural disengaged fund, provide financial service for agriculture, farmer and rural economics development.

Eye comes round to say, farming letter company has grown become an omnibus financial orgnaization, for depositor conduction cash accesses a paragraph, turn the business such as settle accounts of Zhang, unit door, of all kinds loan.

If buy the word of product of conduct financial transactions, my individual proposal does not buy the product of conduct financial transactions of farming letter company as far as possible. Above all, farming letter company is orgnaization of independent legal person, distribute product of conduct financial transactions independently without too powerful economy actual strength; Next, farming letter company does not have mandatory person competence, cannot become the mandatory travel of product of conduct financial transactions, must search other finance orgnaization to undertake cooperative.

Recently, violent wind rises fraction defective of Guiyang farming commercial firm be troubled by so that the whole nation all knows, many peoples fear its can become the first commercial bank that deposit closes down since the line on insurance system. And in sincere letter international those who issue 2018 Guiyang country commercial bank debenture of 2 class capital dogs grade report shows, up to 2017 end, guiyang farming commercial firm is undesirable loan remaining sum rises to from 1.374 billion yuan 7.843 billion yuan, bad loan is led by 4.13% add to 19.54% , bad loan dials equipment to enclothe rate from 161.25% fall to 34.15% ; Capital is led amply criterion from 11.77% fall for 0.91% , one class capital leads core amply is to turn into more negative number, for - 1.41% . That is to say, guiyang farming commercial firm is put in the possibility that go bankrupt really, fraction defective out of control has become his bad to span natural moat.

Of course, fraction defective house does not leave farming letter company and farming merchant bank high is not things, compare bank of state-owned bank, countrywide share-holding system and local bank for, the fraction defective of farming letter company is occupied than be in at least them double above. Institute of as above plan is shown, end 2018 first quarter, farming commercial firm fraction defective is occupied than already by 2016 of the 4th quarter 2.49% rise to 3.26% , risk sex promotes further!