How to apply for opening SMS bank of rural credit cooperatives?

SMS service can be opened through counters, telephone banking, online banking and SMS.

1 Go to the counter and get your ID card.

2 Call the Rural Credit Bank and open it according to the prompt.

Log in to the online bank and open the SMS service option yourself, and you can open it.

4 By sending a short message, you can open it according to the prompt.

1. What is a rural credit cooperative?

Rural credit cooperatives (rural credit cooperatives in English) refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.

Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury.

Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council.

2. Interest rate of rural credit cooperatives

1. legal interest rate: the interest rate set by the People's Bank of China approved by the State Council and authorized by the State Council is the legal interest rate. The announcement and implementation of the statutory interest rate shall be the responsibility of the head office of the People's Bank of China.

2. Benchmark interest rate: The deposit and loan interest rate of China People's Bank to commercial banks and other financial institutions is the benchmark interest rate. The benchmark interest rate is determined by the head office of the People's Bank of China.

3. Contract interest rate: The lender and the borrower agree on the interest rate of the specific loan according to the legal loan interest rate and the floating range stipulated by the People's Bank of China, and specify it in the loan contract.