First of all, the merger of Jincheng Bank has little impact on the lives of ordinary people, and even the merger of Jincheng Bank and Shanxi Bank has a positive impact on ordinary savings users. First, the scale expansion, the original assets of Jincheng Bank is about 42.5 billion yuan, and the assets of Shanxi Bank after the merger are 300 billion yuan. Second, after the scale is expanded, the ability to take risks is strengthened and the security of funds is more secure.

Third, the municipal and provincial governments have also upgraded to a higher level, although they are all state-owned enterprises. Fourth, management is more standardized. However, the merger has a deeper impact on the loan families. First, the loan procedures are more formal and there are more and more approval processes. In the past, it was only necessary to manage municipal relations, but now it is even more difficult to go to the provincial level. It's like you are a supplier and used to deal with small restaurants. Suddenly, the small restaurant was acquired by Haidilao, and the supply was even more affected. However, this is also an opportunity. If you go through formal procedures, it will have no impact at all, but it will be a good thing.

If no one in your family works in Jincheng Bank, it will have little impact on your life. The intersection of ordinary people and banks is nothing more than saving money and lending.

Deposits within 500,000 yuan are guaranteed by the principal. The country has made it very clear that as long as your information is correct, there is no problem at all. If you get a loan, you don't have to worry. Just pay back the money honestly and regularly, and forget it. Your previous bank card and APP can be used with confidence. This is the digital age. It is convenient to access ID cards, bank card numbers and mobile phones. Banks don't need to deal with the whole troublesome process. If they are in trouble, depositors will not agree.

The impact is still there: the deposit interest rate may not be as high as before. It is difficult for local banks to collect deposits, so the interest rate tends to be higher. Compared with the four major banks, the interest rate of Jincheng Bank is still very strong, and the points can be exchanged for gifts. It may be reduced in the future, with high deposit interest rate and low loan interest rate, and the bank's own operating risks will increase.

Some special services of banks may disappear. Jincheng bank used to have some special services, such as the frontier meeting room specially provided for entrepreneurs, and the loan for shares; For example, the "Womei" series with the theme of women includes magazines, a series of upgrading courses, such as yoga and African drums, as well as making Rui Rui cards for children and organizing children to attend Arbor Day. Jincheng Bank, once one of the characteristics of Jincheng, hopes to be bigger and stronger in the future and continue to be brilliant.