Is Shangrao Bank reliable?

Supplementary information:

At present, in China, all nationally recognized banks are theoretically safe. I remember that once a credit cooperative closed down, and the state asked ICBC to pay off all depositors' funds. According to the regulations, it's not safe. All banks have deposits with the People's Bank of China. This deposit is for the 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 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. It was renamed Shangrao Bank, and its full name is Shangrao Bank Co., Ltd. ..

2. As of 20 1 1 year, the registered capital of the company is RMB 745 16,1/25 yuan.

The second is financial services.

1, personal business

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

Credit business: Shanglian 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 notice 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 term pledge loan, syndicated loan, syndicated loan, project loan, etc.

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

Investment and financial management: financial service plans of the head office such as major customers, "Little Giant" and "Kitty Hawk".

3. Electronic banking business

Personal online banking, enterprise 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 multi-functional bank card issued by Shangrao 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 offering special service business of migrant workers' bank cards.

Third, the company management

system

The shareholders' meeting is the authority of Shangrao Bank Co., Ltd., which decides 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, functional departments and 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 business department, personal business 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 department.