The daily limit of rural commercial banks was lifted.

Modification method of online banking consumption limit:

1. Log in to personal customer online banking.

2. Click Electronic Payment.

3. Click to set the payment limit.

4. Select the value after electronic payment to change, and the security tool selects dynamic password plus mobile phone transaction code.

5. Fill in the short message received by the mobile phone, which contains the transaction code, then check the dynamic password card, enter the dynamic password, and the change is successful.

Rural commercial banks, referred to as rural commercial banks for short, are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.

Rural cooperative banks should all be restructured into rural commercial banks.

Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be transformed into rural commercial banks. Cancel the qualification shares in an all-round way and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. On the premise of maintaining the overall stability of the legal person status of counties (cities), we will steadily promote the reform of provincial associations, and gradually build a new relationship between provincial associations and grass-roots legal entities with property rights as the link, equity as the link and supervision as the constraint, so as to truly form the same interests between provincial associations and grass-roots legal entities.

The proportion of qualified shares in rural credit cooperatives in China has dropped below 30%. About 303 rural commercial banks and 2 rural cooperative banks have been established, and the total assets of rural banks account for 4 1.4% of the rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of deep-seated institutional mechanisms.

Latest policy

2065438+On May 2, 2009, the People's Bank of China published the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework of implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6.

The Notice specifies that the directional descent will be divided into three landings, and specifies the scale of the three landings. That is, in May of 15 and June of 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point, and in July of 15, the deposit reserve ratio was lowered to 8%.

Under normal circumstances, bank transactions are restricted, and rural commercial banks are no exception. There is a daily trading limit. However, there is still time for the daily limit of rural commercial banks. When a new day appears on 12 in the evening, the trading restrictions of that day will be lifted. Users can continue to use rural commercial bank accounts for transactions.