Where is the nearest rural credit cooperative?

Because I don't know where you are, I can't tell you where the nearest rural credit cooperative is, but I can tell you a way to get to the nearest rural credit cooperative. First, you download a Baidu map or something. Now take Baidu map as an example. (Version is 15.0.5) Open Baidu map, search for rural credit cooperatives in the search bar, and then a lot of surrounding credit cooperatives will come out. At this time, you just need to click on the nearest rural credit cooperative and go directly. Or if you don't want map navigation, you can call the rural credit cooperatives directly and ask for manual customer service. They will tell you where the nearest one is.

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Advantages and disadvantages of rural credit cooperatives;

1, localization advantage. Rural credit cooperatives have long been based on the rural financial market and played an irreplaceable role in the rural financial market. Rural commercial banks have distinct institutional location and community distribution, and have more and wider connections with their local areas than other financial institutions, which can be described as local "grassroots banks". The government defines rural commercial banks as agriculture, countryside and farmers. While receiving state support, it also undertakes a large number of business designated by the government, which is often cumbersome, but the benefits are not great. But it also enables rural commercial banks to operate at the grass-roots level (village) and keep close contact with the masses, which other institutions do not have.

2. Advantages of information acquisition efficiency. Large banks have large scale and long agency chain, and each bank has a set of strict credit approval procedures, which are cumbersome and require decision-making approval at different levels, and are not flexible enough to adapt to the fast-changing operation of small and medium-sized enterprises. On the contrary, rural credit cooperatives have accumulated a lot of credit information knowledge for known and potential customers because of their few management levels, flexible management methods and geographical advantages of rural commercial banks.

3. Advantages of fund control. The main funds of rural credit cooperatives come from surrounding communities, but they rarely transfer the funds absorbed locally to other places like big banks. Instead, relying on their own understanding of the local market, the main credit targets are small and medium-sized enterprises and individuals in the community, and farmers and small and medium-sized enterprises are invited to become members of rural credit cooperatives. This can not only quickly eliminate the siphon effect of state-owned banks on grassroots funds, but also effectively curb the large-scale flow of funds from underdeveloped communities to developed communities.