With the development of our country's society, the national economy is constantly improving. At the same time, the Internet has entered all aspects of people's lives. In fact, the history of my country's financial institutions and financial system development is relatively long. However, after entering the 21st century, with the changes of the times, people's deposits and withdrawal methods have changed significantly. In the past, there were very few institutions for people to deposit and withdraw money, but now there are more than 4,000 large and small, which increases the choice of people.
Nowadays, many people have the concept of being prepared for danger in times of peace. Even in very peaceful situations, they will save some money in case of emergencies. The vast majority of rural areas have insufficient experience in all aspects and do not have much investment awareness, so their money can only be used as bank deposits, which makes many deposit institutions in many rural areas in my country.
However, in rural areas, there are two financial institutions that are very common, one is rural credit cooperatives, and the other is Postal Savings Bank . In 2022, can rural credit cooperatives and postal savings banks still absorb deposits?
With the rapid development of the Internet, many financial institutions are now linked to the Internet, which to a certain extent reduces the number of tasks of bank branches. Because of the current development of the Internet, most young people have less and less chances of going to offline outlets.
It is now 2022. There are also many major financial institutions in my country. Are there still many people who go to rural credit cooperatives and postal banks to deposit ?
I don’t know if you have ever deposited and withdrawn money from these institutions, but it is certain that the Internet is developing rapidly now, and many people are accustomed to deposit and withdrawal services in mobile software or bank branches, and have not handled it at the bank counter.
is precisely because the Internet is very developed now, so whether you are at work or at other times, you can transfer funds.
Since the economic development of rural areas in my country is not very good, for a long time, there were relatively few financial institutions in rural areas in my country. At present, most rural areas include rural credit cooperatives and postal savings banks, and these two major financial institutions have very strong storage absorption capabilities in rural areas.
However, in comparison, rural credit cooperatives have a strong ability to absorb storage than postal savings banks. After all, postal savings have a very high status in the minds of Chinese people.
In addition, there are agricultural banks in rural areas, but the market share of postal savings banks is still relatively large. With the rapid development of the Internet in recent years, the benefits of these financial institutions in rural areas of my country are not very high.
Many people habitually deposit money into their favorite banks, because they only need to download a mobile banking software to realize deposit and withdrawal processing.
plus most people now use mobile payments, so they don’t need to withdraw too much cash on them, and they can handle it directly through mobile banking.
Since the postal savings bank has the state as its backer, most people trust the postal savings bank more, and this financial institution plays a very important role in my country's financial system.
So, for ordinary people in rural areas, even if they have the need for offline deposit and withdrawal services, they will find banks like Postal Savings Bank. After experiencing the epidemic, many people have realized the importance of deposits. Now, in order to ensure the safety of the funds in their hands, ordinary people in rural areas prefer to deposit money into banks.
After all, most rural people are relatively conservative. They believe that investing money in various investment and financial products or various software with relatively high interest rates is actually not very safe.
Therefore, the demand for financial institutions is relatively large.Postal savings banks and rural credit cooperatives have been rooted in the economic development of rural areas for a long time, so their development potential is relatively large. However, the current era is constantly changing, which requires rural credit cooperatives and postal savings banks to make corresponding changes.
Nowadays, many older generations in rural areas have limited cultural level or conservative thinking. Most of them are very happy to go to offline bank branches to handle business, and they are not very familiar with smartphones.
plus their limited income level, the amount of money they may save is their decades of savings. Therefore, out of caution, these people choose to deposit money into the bank and go to offline bank outlets to handle business.
In short, the development prospects of many postal savings banks and rural credit cooperatives are also quite considerable. After all, the current population aging phenomenon in my country is relatively serious, and the level of cultural education received by these people is relatively limited.
Therefore, there will still be many people who will choose to deposit their money into these institutions. Have you ever deposited your money into these financial institutions? What do you think of the interest given by these financial institutions?
