With the high development of the Internet, the payment methods of ordinary people in my country have undergone great changes. In the past, many people needed to carry cash when going out. Now, more and more people are going out, just bring a mobile phone. The most worth mentioning is that many people go out now, even if they don’t need to bring a mobile phone, they can complete payment by directly using facial recognition. Including many subways now have facial recognition functions. With the development of the times, people’s lives will become more simplified in the future.
Everyone knows that the scale of my country's banking industry is very large. First of all, because my country's population is very large, and secondly, many ordinary people in my country have the concept of deposits, which has led to more and more banks in the process of development. Nowadays, there are more than 4,000 banks of all sizes, and people's savings are becoming more and more convenient.
For the people in many urban areas, they can go to the four major banks or other banks to deposit money. For the people in rural areas of our country, there are relatively few places to deposit money. After all, in many rural areas, there are almost no large banks, only Postal Savings Bank is relatively large in scale, and most of them are rural credit cooperatives. It’s been 2022. Is it okay to deposit money in rural credit cooperatives and postal savings banks? Why?
With the advent of the Internet era, my country's banking industry has also undergone great changes. Many banks have suffered a huge impact in the process of development, so many banks are facing the risk of bankruptcy. For many rural areas in our country, most of the time they go to rural credit unions or postal savings banks to deposit money, but these banks have had many scandals in recent years. So now when you go to these banks to deposit money, can everyone’s financial security be guaranteed?
Although rural credit cooperatives are very different from the current state-owned banks in our country, they belong to the financial banking system. Nowadays, rural credit cooperatives are spread throughout many rural areas. Many people in rural areas do not want to deposit money in the city, so they will deposit money in these rural credit cooperatives. Therefore, the development of many rural credit cooperatives in rural areas is also relatively good.
Post Savings Bank is one of the famous banking institutions in my country and is also a member of my country's state-owned banking system. The postal savings bank can be seen everywhere, but in recent years, there have been less and less news about these two major banks. Many people feel that they have not heard of the supermarkets of major banks for a long time. Although we can see the branches of these banks standing in various regions, we can also see that many postal savings bank branches and rural credit unions are deserted.
It is understood that these two types of banks in my country have fewer and fewer branches, and there are fewer and fewer depositors to deposit money in these banks. This is mainly because many young people are habitually depositing money on their mobile phones. Most of the young people are working hard outside. Basically, the bank cards they open are from other banks. Therefore, most of the people who deposit money in rural credit cooperatives and postal savings banks are some elderly people.
Because they have inconvenient legs and feet, they will save money nearby in most cases, and they can also collect their pensions in time to these financial systems when they are paid. Although the customer groups of rural credit unions and postal savings banks have been decreasing in recent years, this is still very small compared to the customer groups behind these two major banks.
Many large state-owned banks only exist in urban areas, including some small and medium-sized banks, but my country's postal savings banks, whether in large cities or remote rural areas, will have corresponding outlets. In this regard, my country's postal savings banks have more than many banks.
Banking industry plays a very important role in our daily life. For the elderly in rural areas, postal savings banks and rural credit cooperatives are the most common places to deposit, especially the postal savings banks. As a state-owned bank, their economic strength is very strong, so their security is also very high. People can still choose to deposit money into these banks. Although these two major banks are becoming less and less famous now, their security is quite high.
