Jiaohe Rural Commercial Bank Limited By Sha

Jilin Jiaohe Rural Commercial Bank Co., Ltd

Jilin Jiaohe Rural Commercial Bank Co., Ltd., referred to as Jiaohe rural commercial bank, formerly known as Jiaohe rural credit cooperative association, is located in Jiaohe City, Jilin Province. It is located at the West foot of Changbai Mountain, the Bank of Songhua Lake and the foot of LAFA mountain. It is located at the central node of "Changjitu" development and opening up pilot area. In December 2012, it was officially restructured into Jiaohe rural commercial bank with the approval of CBRC. It has 564 employees, 1 business department, 18 sub branches, 26 banking offices and 45 business outlets.

enterprise data

By the end of 2013, the bank's total assets were 5145.74 million yuan, up 26.39% year on year; deposits were 4527.33 million yuan, up 28.63% year on year; loans were 2.58386 million yuan, up 36.53% year on year; capital adequacy ratio was 16.35%, and provision coverage ratio was 174.46%.

Business content

Jiaohe rural commercial bank always adheres to the market orientation of "based on agriculture, rural areas and farmers, facing the community and serving urban and rural areas", fully supports the development of traditional agriculture, characteristic agriculture and urban and rural small and medium-sized enterprises, and plays an important role in the development of agriculture, rural areas and farmers and the prosperity of local economy. Jiaohe rural commercial bank mainly deals with the following businesses: absorbing RMB public deposits; issuing RMB short-term, medium-term and long-term loans; handling domestic settlement; handling bill acceptance and discount; acting as an agent for issuing, cashing and underwriting government bonds; buying and selling government bonds and financial bonds, participating in the money market; engaging in inter-bank lending; acting as an agent for collection and payment and acting as an agent for insurance business; withdrawing funds To provide safe deposit box service; to engage in bank card business (debit card); to act as an agent to buy and sell funds, trust products and other financial products; to engage in other business approved by China Banking Regulatory Commission and the State Administration of foreign exchange.

Characteristic brand

Jiaohe rural commercial bank's characteristic deposit varieties are "Li Sheng Li" "Li Sheng Li" deposit: the initial deposit amount is 50000 yuan, the deposit period is 1 day and 7 days respectively, and the interest rates are 0.88% and 1.485% respectively. Jiaohe rural commercial bank's characteristic loan varieties are "weishihuo", "BAOSHIJIE" and "junnongle". "micro time goods" series of loan products: small business loans (operating loans), happy consumer loans (consumer loans). The loan procedure is simple, and the investigation and approval is fast. It provides a full range of loan consultation and solutions for private entrepreneurs, self-employed households, self-employed workers, office workers and other natural person customers. "BAOSHIJIE" loan: RMB loan for production and operation issued to qualified members of stone chamber of Commerce (owners of stone enterprises). "Junnongle" loan: RMB loan to farmers and rural brokers who are engaged in the production, processing and sales of edible fungi (with normal operation and good benefits for more than one year). Jiaohe rural commercial bank cooperates with Beijing gold trading center to launch the business of selling precious metals on a commission basis and selling and safekeeping precious metals on a commission basis, as well as Jiaohe people's own investment gold bar "red leaf gold".

Bank card varieties

Jika: Jika is a kind of bank card product with the logo of "UnionPay" issued to the public, especially to farmers in Jilin Province. It has many functions, such as one card for multiple households, cash deposit and withdrawal, transfer settlement, consumption, fixed and live transfer, financial management, etc. it can also be used as a farmer's loan, grain direct subsidy and financial subsidy account. Jika can be used across banks, regions and borders. It can be traded on POS machines and self-service devices with the "UnionPay" logo. types of Jika in Jiaohe rural business: Jika debit card, Jika Taobao Card, Jika Hongye card, Jika IC card.

Development history

In July 1987, Jiaohe County Rural Credit Union was established. In December 2006, Jiaohe rural credit cooperative association realized the unified legal person of county-level cooperative association. On December 27, 2012, Jilin Jiaohe Rural Commercial Bank Co., Ltd. was established.