2. passbook withdrawal requires the original account holder's ID card and the cashier's ID card, which can be withdrawn secretly.

Minors can't withdraw money.

4. If the withdrawal amount exceeds 50,000, you should make an appointment for withdrawal one day in advance.

Extended data:

I. Introduction of Rural Credit Cooperatives

1. Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.

2. Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws.

3. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury.

4. Rural credit cooperatives are divided into the following departments, namely, rural credit cooperatives, international finance department of rural credit cooperatives, Zhengtong rural credit cooperatives training school, and credit department of rural credit cooperatives. At present, it is under the dual leadership of China Banking Regulatory Commission and the State Council.

Second, rural credit cooperatives, as banking financial institutions, have their own characteristics, mainly in:

1, farmers and other individuals in rural areas jointly form cooperative financial organizations whose main purpose is mutual assistance. Its business operation is managed and operated by the personnel designated by the members on the basis of democratic election and is responsible to the members.

2. Its highest authority is the member congress, and the executive body responsible for managing specific affairs and business operations is the Council.

3. The main sources of funds are shares paid by cooperative members, retained provident fund and absorbed deposits; Loans are mainly used to solve the capital needs of its members. At first, it mainly issued short-term production and living loans and consumer loans. Later, with the economic development, it gradually broadened the channels of borrowing, which is no different from commercial bank loans.

4. Because the business object is a cooperative member, the business process is simple and flexible. The main tasks of rural credit cooperatives are to organize and regulate rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and limit and crack down on usury according to the provisions of national laws and financial policies.

Third, the loan conditions

1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made;

2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures;

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis;

4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.

5. The asset-liability ratio of rural borrowers shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and the proportion of self-raised funds must meet the requirements of the State Council, and at the same time, complete, standardized and effective documents must be submitted in accordance with the requirements of project management.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets;

8 rural borrowers must apply for a loan card according to the provisions of the People's Bank of China, and go through the annual inspection procedures according to the provisions.

References:

Baidu Baike _ Rural Credit Cooperative