For modern people, banks should be the main choice for savings, but in fact, financial institutions with similar functions as banks have appeared in ancient times. For example, the money shops that people see in film and television dramas are real.

has formed various fine traditions in the process of civilization development. Until today, some fine traditions have been deeply rooted in people's minds and appear in people's lives in diverse forms. For example, savings are one of the ways of thrift and thrift. For modern people, bank should be the main choice for savings, but in fact, financial institutions with similar functions as banks have appeared in ancient times. For example, the money houses that people see in film and television dramas are real.

In the context of people's continuous improvement in savings awareness, the competition between banks is fierce and very fierce. Various banks have their daily lives now. However, the financial institution of bank has also been affected by the development of Internet technology. Nowadays, many people, especially young people, are more willing to choose to deposit money into third-party platforms such as WeChat or Alipay .

Different banks may face different groups, such as rural credit cooperatives and postal savings bank may mainly target depositors in some township areas. In the Internet era, rural credit cooperatives and postal savings banks have suffered a huge impact, but according to some online news, there are still many people who go to rural credit cooperatives and postal savings banks to deposit money. So what is the reason for this?

In the banking financial industry, in addition to the six state-owned banks, various small and medium-sized banks have also emerged like mushrooms after a rain. In the process of economic development, urban areas have always been the focus, so whether it is infrastructure construction or economic development level, rural areas are far inferior to cities. In the past, it was difficult to find a savings institution similar to banks in rural areas.

However, with the support of policies and in order to make up for the lack of savings market in rural areas, some corresponding bank branches have gradually been built in urban areas. The most important bank branches in rural areas belong to rural credit cooperatives and postal savings banks. . In this case, rural credit unions may be less popular than postal savings banks. It is understood that the reserves collected in townships account for 68% of the overall reserves of postal savings banks, which indirectly shows why postal savings banks attach importance to townships and regions!

The biggest feature of Postal Savings Bank is that it has a state-owned background as support. It is also under this strong support that it is more popular among depositors in terms of trust. Therefore, the postal savings bank has also brought a significant impact on rural credit cooperatives and other commercial banks.

In the development of rural credit cooperatives, their regional characteristics are very obvious, and different service models will be introduced according to the actual situation in different regions. Compared with postal savings banks, rural credit cooperatives dominate commercially, so they have certain shortcomings in deposit acquisition, but they have made considerable contributions to the development of the rural financial system.

According to relevant survey data, In the vast rural areas, rural credit cooperatives and postal savings banks are still the main choices for deposit and withdrawal services for ordinary people. Moreover, for rural people, compared to using online banking, offline bank branches seem to be more trustworthy in handling related business. The reason for this situation in

is that on the one hand, is because the offline outlets have a higher security factor in handling business. On the other hand, since most rural people are older people, they may not be familiar with the operating procedures of online banking business . , so considering the security and convenience issues, offline outlet processing is even more popular with them.

Conclusion

Overall, Rural Credit Cooperatives and Postal Savings Banks have a very stable position in the vast rural areas and will not be affected too much in a short period of time. Although mobile payments will change some habits in people's lives, for rural credit unions and postal savings banks, their layout in rural areas will not collapse.

In fact, whether it is the development of mobile payment or the Internet, it is more developed in urban areas. In rural areas, most of them are elderly people or left-behind children with insufficient knowledge and cultural level. Therefore, due to the different actual situations, mobile payment and the Internet do not have the same development advantages as those in urban areas.

Of course, if rural credit cooperatives and postal savings banks want to achieve long-term development, they will definitely not work with a single offline financial service model. So for these two banks, only by developing more businesses based on the current situation and more in line with the willingness to save can we achieve lasting success.

Today's topic: It's 2022, and there are still people who go to rural credit cooperatives and postal savings banks to deposit money. Why is this?