Nowadays, the Internet and mobile payment have spread to thousands of households, and there are many types of banks, such as state-owned banks, commercial banks, local banks, policy banks, and investment banks.
Compared with these, rural credit cooperatives and postal savings banks are not so "high-end".
But there are still many people who are willing to choose to deposit money in these two banks.
With so many banks to choose from, why would anyone choose both?
First of all, we need to understand the rural credit cooperatives and the Postal Savings Bank.
Rural credit cooperatives are also known as rural credit cooperatives, which are established with the approval of the People's Bank of China and are composed of members, which are financial institutions of a rural cooperative nature, mainly serving farmers, agriculture and rural economy.
In fact, rural credit cooperatives are organized by farmers themselves, and they are also financial institutions in which farmers voluntarily participate
Therefore, among the many financial institutions, the rural credit cooperatives can not only handle their own financial business, but also obtain all kinds of information about agriculture.
It is precisely because of this relationship that it is more suitable for farmers and has a closer relationship with farmers, which also makes the rural credit cooperatives have a good reputation in the minds of farmers.
The Postal Savings Bank of China, also known as the Postal Savings Bank of China, serves farmers, agriculture, rural economy, urban and rural residents, and small and medium-sized enterprises.
Although the Postal Savings Bank of China has the function of helping people save money, it has also inherited the genes of the postal service, whether in the city or the countryside, the Postal Savings Bank can send people's information and goods to the place.
And in cooperation with the postal system, whether it is deposit, transfer or payment, the Postal Savings Bank will be safe and efficient, and the Postal Savings Bank sites are also all over the country, even in remote rural areas, you can find the Postal Savings Bank, and it is precisely because of the wide coverage and safe and efficient coverage of the Postal Savings Bank that people trust the Postal Savings Bank so much.
In today's digital development, rural credit cooperatives and postal savings banks are not as famous as Jianjian and Industrial and Commercial Bank of China, but why do people still insist on going to rural credit cooperatives and postal savings banks?
In fact, in many rural areas, most of them are the elderly and children, and the young people have gone out to work, and the rest of the elderly will not use smartphones to transfer money and pay, and the old people feel that mobile phone transfers are not safe.
Moreover, the rural credit cooperatives and the Postal Savings Bank are not just a place to save money for the older generation, but more like a community.
There are also many elderly people in rural areas who have to receive pensions every month from rural credit cooperatives and postal savings banks, which have been responsible for the distribution of pensions in rural areas.
Rural credit cooperatives and postal savings banks also have personalized and intimate services, these two institutions know how to communicate with the elderly, how to meet the needs of the elderly, such as during the New Year's holidays, both institutions will hold ** activities or send some small gifts, are very practical rice and flour oil, sometimes will send couplets.
Although many young people do not pay attention to these gifts, for the thrifty elderly, every time they receive these gifts, it will make them happy for a long time.
In addition, in those remote rural areas, the Rural Credit Cooperatives and the Postal Savings Bank are the only local financial service providers, and these two institutions play a relatively large role, not only providing basic financial services, but also informing villagers about the outside world.
Therefore, rural credit cooperatives and postal savings banks are not only financial services, but also part of rural life, and are an emotional bond that is difficult for the elderly to let go.
That's why electronic payments are so popular, but there are still people who deposit cash in rural credit cooperatives and postal savings banks.
Some netizens support: These two banks (Agricultural Commercial Bank and Savings Bank) are flexible and convenient, and are very popular with the people. When encountering temporary difficulties, it can be borrowed and returned at any time, which solves a lot of worries of the people. Acquaintances are familiar, and things are assured and affinity.
Some netizens were moved by the actions of the Rural Credit Cooperatives and the Postal Savings Bank: To be honest, I am a pig farmer, and only the credit cooperatives are willing to lend me money to tide over the difficulties, and I will say who is good who has helped me.
Some netizens explained to the rural credit cooperatives and the Postal Savings Bank: The Postal Savings Bank is a serious state-owned bank and a state-owned enterprise, and the rural credit cooperatives have been changed to the Rural Credit Cooperatives and are collective enterprises.
There is no problem in depositing money in these two banks, and the rural credit cooperatives are more than 70 years old, and they have been established for the same time as the People's Bank of China.
There are also some netizens who say that rural credit and postal savings are like neighbors' homes: this is the big truth, going to rural credit and postal savings is like going to the neighbor's house to play, and it seems to be playmates or relatives and friends since childhood, especially the elderly, some business is not done, and the staff try to meet the requirements and do their duty.
Some netizens praised the wide distribution of rural credit cooperatives and postal savings banks: rural commercial banks and postal services are the two banks that often exist in rural towns and villages (after all, not every township has agricultural banks, construction banks, bank of China, and urban commercial banks).
Farmers can only exist in these two places, and no matter how much science and technology develops, it is impossible to have everything online.
WeChat and Alipay can indeed bind the cards of the four major banks, national commercial banks, and city commercial banks. However, in daily transactions, it is inevitable that there will be problems such as operating errors, card locks, payment limits, etc., and you just drive a car to the county seat, and there are no more convenient township outlets a few miles away.
In today's era where digitalization is so advanced,Even though there are many banks now, there are still irreplaceable factors in rural credit cooperatives and postal savings banks.
Therefore, people's choice of bank is not only to save money, but also to soothe people's hearts.
What do you think about this, welcome to leave a message to discuss.
Reference Sources:1] Official ** Jincheng News Network "Jincheng Rural Credit Cooperative's Deposits Exceeded 100 Billion Yuan".
2] "Which is better to deposit money in rural credit cooperatives or to store it in the Postal Savings Bank?" 》
However, in order to improve the readability of the article, there may be polishing of the details, please read sensibly, for reference only!