Is Shangrao Bank safe?

Supplementary information:

At present, in China, banks recognized by the state are safe in theory. I remember that once a credit cooperative closed down, and the state asked ICBC to pay off all the depositors' funds. According to the regulations, it's not safe. All banks have deposits with the People's Bank of China. This deposit is used by depositors to settle the principal when the bank goes bankrupt.

Extended data:

Shangrao Bank:

I. Introduction

1. Shangrao Bank is the first joint-stock commercial bank with independent legal personality in Shangrao City, Jiangxi Province. In June 2007, with the approval of the China Banking Regulatory Commission, it was restructured into a city commercial bank on the basis of the original Shangrao City Credit Cooperative; In September 2009, with the approval of China Banking Regulatory Commission, the administrative department for industry and commerce registered. Renamed Shangrao Bank, full name Shangrao Bank Co., Ltd. ..

2. As of 20 1 1 year, the registered capital of the company is RMB 745 16, 1 125.

Second, financial services.

1, personal business

Savings business: "monthly interest", personal certificates of deposit, "profit generating interest", personal notice deposit, time deposit and convenience deposit, lump-sum deposit, lump-sum deposit and education savings deposit, etc.

Credit business: Shangtong loan, Anjiale loan, property loan, weekly loan, consumer loan, white-collar loan, first-hand commercial housing mortgage loan, second-hand commercial housing mortgage loan, first-hand housing mortgage loan, second-hand housing mortgage loan, etc.

Featured businesses: cash business and settlement business.

2. Company business

Deposit business: corporate time deposit, corporate demand deposit, margin deposit, corporate call deposit, corporate agreement deposit, etc.

Loan business: domestic factoring business, bank guarantee business, bank credit certificate, entrusted loan, loan guaranteed by professional guarantee institutions, discount of bank acceptance bills, unit regular pledge loan, syndicated loan, syndicated loan, project loan, etc.

Bill business: bank acceptance bill, bill discount, etc.

Investment and financial management: the financial service schemes of the Head Office, such as major customers, "Little Giant" and "Kitty Hawk".

3. Electronic banking

Personal online banking, corporate online banking, telephone banking, short message service, payment card, Alipay cartoon, business travel, etc.

bank card

Sanqingshan Business Card: Shangrao Bank Business Card is a UnionPay standard RMB credit card designed by Shangrao Bank for the official consumption of employees in financial budget units. There is a certain overdraft limit and overdraft interest-free period, which is mainly used for daily official expenses and financial reimbursement.

Sanqingshan Debit Card: Sanqingshan Debit Card is a multifunctional bank card issued by Shangrao City Commercial Bank, which has the functions of cash deposit and withdrawal, transfer settlement, personal consumption, agency and self-service payment. It is convenient, fast, safe and universal, and provides perfect service for cardholders.

Special service business of migrant workers' cards: Sanqingshan bank card can handle withdrawal business at the outlets that provide special service business of migrant workers' cards.

Third, company management.

system

The shareholders' meeting is the authority of Shangrao Bank Co., Ltd., which makes decisions on major issues of the Bank according to law, including deliberating and approving profit distribution plan, annual financial budget plan and final accounts plan, changing registered capital, issuing bonds, merger, division, and amending the Articles of Association.

The shareholders' meeting elects the board of directors and the board of supervisors.

The Board of Directors consists of the President, Related Party Transactions Control Committee, Risk Management Committee, Development Strategy Committee, Nomination and Remuneration Committee and Audit Committee.

The Board of Supervisors consists of two committees: the Audit Committee and the Nomination Committee.

The President is responsible for managing the Asset and Liability Management Committee, the Loan Review Committee, the Financial Management Committee, the functional offices of the Head Office and major branches.

The functional departments of the Head Office are composed of office, human resources department, supervision and safety department, accounting department, finance department, corporate finance department, personal finance department, risk control department, audit department, science and technology department, administration department, asset reporting department, capital operation department, statistical research department, business department and general party branch office.