湖南省农村信用社
Hunan Rural Credit Cooperative Union is the provincial-level federation managing 102 rural commercial banks and 3,783 outlets across Hunan, China, serving 50+ million customers with deposits, agricultural and micro/SME lending, digital credit products, and the Fuxiang card family.
- Company typePrivate
- Founded1951
- HeadquartersChangsha (长沙市)
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What 湖南省农村信用社 does
湖南省农村信用社联合社 (Hunan Rural Credit Cooperative Union) is the provincial-level federation that manages and coordinates 102 rural commercial banks across Hunan Province, China. Founded in 1951 and formally constituted as a federation in May 2005 under the Hunan Provincial Committee, Provincial Government, and China Banking Regulatory Commission, it operates 3,783 business outlets covering every urban and rural area of Hunan, with approximately 40,000 employees serving more than 50 million customers. As of 2025 forecasts, system-wide assets are approximately 1.98 trillion CNY, deposits 1.69 trillion CNY, and loans 1.17 trillion CNY, ranking #1 among Hunan provincial financial institutions for 11 consecutive years. Approximately 30% of provincial agricultural-related loan balances and 99% of poverty-alleviation small credit loans are held by the system.
The product portfolio spans personal banking (demand/time deposits, large CDs, smart deposits, credit loans, mortgages), corporate banking (working-capital loans secured by receivables/inventory/IP rights/forest rights, "company + base + farmer" supply-chain loans, family farm and large-grower loans), digital banking (mobile, online, phone banking, SMS/utility/payment notification services), and the 福祥 (Fuxiang) card family — including debit cards (借记卡, 白金卡, 钻石卡), credit cards, social-security cards, and PBOC 2.0-compliant financial IC cards. Digital lending is anchored on 整村授信 (village-wide credit) data and includes 惠农快贷, 惠农秒贷, 白名单快贷, 公信贷, 市州线上快贷, 福祥e贷, and 税易贷 (tax-based loan). Last-mile delivery is provided through 福祥e站 (Fuxiang e-station) branchless service points in administrative villages and 银行卡助农取款 (rural merchant card-withdrawal) endpoints.
Revenue is generated primarily through interest income from the deposit-lending spread on agricultural, micro/SME, and consumer loans, supplemented by transaction fees on debit/credit cards (借记卡/信用卡 annual fees, POS, ATM, interbank transfers), installment fees on 福祥 credit cards (0.5-0.6% monthly), 助农取款 withdrawal fees (0.8%), and agency commissions on utility, tax, social-security, and wage-payment services. Distribution combines a 3,783-outlet physical network, a "customer manager grid-style" field sales force, mobile/online banking self-service channels, and a multi-WeChat-public-account digital engagement matrix.
湖南省农村信用社 firmographics
Firmographics- Name
- 湖南省农村信用社
- Legal name
- 湖南省农村信用社联合社
- Website
- https://hnnxs.com
- Company type
- Private
- Founded year
- 1951
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Hunan Rural Credit Cooperative Union is the provincial-level federation managing 102 rural commercial banks and 3,783 outlets across Hunan, China, serving 50+ million customers with deposits, agricultural and micro/SME lending, digital credit products, and the Fuxiang card family.
- Ownership category
- akta.pro rank
湖南省农村信用社 industry classification
Industry- Product category
- Rural Cooperative Banking
- NAICS
- Credit Unions (522130), Depository Credit Intermediation (5221), Other Nondepository Credit Intermediation (52229)
- SIC
- State Commercial Banks (6022), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)
- akta.pro secondary industries
- Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL), Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where 湖南省农村信用社 is headquartered
LocationHeadquarters
- HQ city
- Changsha (长沙市)
Offices2 records
Markets served
湖南省农村信用社 business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
Revenue model
- 利息收入: 通过发放涉农贷款、小微企业贷款、农户小额信用贷款等获取利息收入，是最主要的收入来源。
- 存款业务: 吸收个人及企业存款，获取存贷款利差收益。
- 银行卡及电子银行业务手续费: 借记卡、信用卡相关手续费，POS消费、ATM取现、跨行转账、线上支付等手续费收入。
- 代理业务手续费: 代收代付业务（如代理公用事业收费、行政事业收费、财政性收费、代发工资、烟草代扣等）手续费收入。
- 信用卡分期手续费: 提供灵活分期、账单分期、POS分期、大额分期等信用卡分期业务，收取月手续费率0.5%-0.6%。
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | 银行卡助农取款服务 |
| Transaction based/ take rate | Pay-as-you-go | 农民工银行卡特色服务取现 |
| Transaction based/ take rate | Monthly | 福祥信用卡灵活分期 |
| Transaction based/ take rate | Monthly | 福祥信用卡POS分期 |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
湖南省农村信用社 product offering
Product offeringCore offering
The Hunan Rural Credit Cooperative is a provincial-level association of rural credit cooperatives in Hunan Province that provides retail and small-business banking services, including savings deposits, agricultural and consumer loans, payment and settlement services, debit card issuance, and electronic banking channels (mobile, online, and telephone banking). It serves farmers, rural residents, and small enterprises across Hunan Province through its extensive network of county-level member cooperatives and rural commercial banks.
Product overview
湖南省农村信用社联合社 operates as a multi-channel, multi-product banking platform serving as the provincial-level federation for Hunan's rural credit union system. The portfolio is organized across four primary pillars: (1) 个人金融 (Personal Banking) covering deposit products such as 活期存款, 整存整取, 智能存款, 大额存单, and credit/loan products including 信用贷款, 按揭贷款, 惠农快贷; (2) 企业金融 (Corporate Banking) providing business deposit accounts (单位活期存款, 单位定期存款, 协定存款), collateralized lending (抵押贷款, 林权抵押贷款, 存货质押贷款, 知识产权质押贷款), and specialized agricultural loans (农民合作社贷款, “公司+基地+农户”贷款, 种养大户贷款, 家庭农场贷款); (3) 电子银行 (Digital Banking) encompassing 湖南农信手机银行, 网上银行, 电话银行, 自助银行, and the branded 福祥·缴费通, 福祥·支付通, 福祥·农信通 services; and (4) 福祥卡 (Fuxiang Card Family) spanning debit cards (借记卡/福祥·白金卡/福祥·钻石卡), credit cards (贷记卡/福农贷记卡), social security cards (社会保障卡), financial IC cards, and 信用卡分期 (installment financing with flexible, bill, POS, and large-amount options). Online lending products include 惠农快贷 (village-based credit), 白名单快贷, 公信贷, 房抵贷, 存单质押贷, and 惠农秒贷. The digital brand features 福祥e支付 (QR code payments), 福祥e站 (branchless service stations), and the 福祥e贷 series.
Differentiator
Problem solved
Functional benefit
Brands
- 福祥·白金卡: 福祥·白金卡是湖南农信面向优质客户发行的信用卡产品，提供透支消费、分期付款等金融服务。
- 福祥·钻石卡
- 手机银行
- 福祥·金融IC卡
Products and services
- Savings Deposits
Quantifiable outcome
- 涉农贷款余额占全省金融机构的近30%
- +3 more outcomes
Companies that use 湖南省农村信用社
Customer profileNamed customers7 records
Segments4 records
湖南省农村信用社 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
湖南省农村信用社 partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered minor and core.
- 三一重工股份有限公司minor双方就加强合作开展座谈交流，在客户资源互荐、工程机械金融业务等领域加强合作。
- 郴州市人民政府core省农信联社与郴州市政府签署《全面支持旅游经济发展战略合作协议》，以普惠金融、绿色金融、科创金融、供应链金融为重点，加大有效信贷投放，支持第二届湖南省旅游发展大会配套金融服务。
- 湖南省农业农村厅core与省农业农村厅签订战略合作协议，在乡村振兴领域深化合作，推进整村授信、农村集体经济账户等工作。
- 湖南省乡村振兴局core与省乡村振兴局建立合作关系，在脱贫攻坚与乡村振兴有效衔接方面提供金融服务支撑。
- 湖南省科技厅core与省科技厅战略合作，在科技贷款、知识价值信用贷款试点等领域深化合作。
- 湖南省文化和旅游厅core与省文化和旅游厅签订战略合作协议，支持旅游经济发展。
- 中国电信湖南公司core湖南农信与中国电信湖南公司就数字化基础设施、大数据分析、云能力建设、数字化金融产品研发等方面开展合作，共同探索有湖南特色的农村金融信息化建设路径。
- 湖南湘投控股集团minor湖南湘投控股集团与湖南农信多年来建立了良好的合作关系，希望加大更深层次合作力度，重点在支持农商银行做大做强方面开展务实合作。
- 邵阳市税务局core银税合作共享政务信息，将企业纳税信用与融资信用相结合，推出'福祥·税易贷'信贷产品，共同构建企业、银行、税务三方共赢局面。
Scale indicators12 records
Recent moves11 records
Expansion highlights6 records
湖南省农村信用社 competitors and assessment
Company assessmentBroad incumbents
- Postal Savings Bank of China: China's largest state-owned retail bank with the deepest rural and county-level distribution network and similar focus on agricultural and small-amount lending; the most direct large-scale comparable to Hunan Rural Credit's rural franchise.
- Agricultural Bank of China: Big Four state bank with 'San Nong' (agriculture, rural areas, farmers) as a strategic pillar; serves rural borrowers through Sannong county-level outlets and competes directly with provincial rural credit unions in agricultural loan market share.
- Bank of Communications: State-owned commercial bank expanding digital and inclusive finance offerings into county-level markets, increasingly overlapping with rural credit unions on small-micro lending and supply-chain finance.
Others
- Sany Heavy Industry: Strategic cooperation partner exploring equipment financing and supply-chain finance products with Hunan Rural Credit; represents the industrial-banking interface that could expand the federation's commercial banking reach.
- China Telecom (Hunan): Technology and infrastructure partner for Hunan Rural Credit's digital transformation (cloud, big data, digital finance product development); illustrates the telecom-banking convergence shaping rural finance.
Emerging players
- MYbank (MYbank): Ant Group-affiliated digital bank serving small-micro businesses and rural customers with supply-chain finance products; emerging alternative to traditional rural lending channels.
- WeBank (Weidai): China's leading digital-only bank focused on small-micro and consumer lending; competes with rural credit unions for rural and small-business borrowers through mobile-first credit products.
Direct peers
- Chongqing Rural Commercial Bank: One of the few listed rural commercial banks in China; provides a public-market benchmark for valuation, asset quality, and profitability of rural-focused commercial banks that evolved from credit cooperatives.
- Henan Rural Credit Union Federation: Provincial rural credit cooperative federation serving central China's most populous agricultural province; comparable scale, mandate, and operating model, with overlapping rural customer base and policy-driven lending.
- Guangdong Rural Credit Union Federation: Another provincial-level rural credit cooperative federation in a major southern province, sharing the same governance model, member-owned cooperative structure, and rural/SME lending focus as the Hunan federation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
湖南省农村信用社 social profiles
Digital presence湖南省农村信用社 compliance and trust
Trust signalCompliance1 record
湖南省农村信用社 financial estimates
Financial estimateRevenue estimate
Valuation estimate
湖南省农村信用社 leadership team
Management profileNumber of profiles
湖南省农村信用社 subsidiaries and ownership
Company hierarchySubsidiaries3 records
湖南省农村信用社 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
湖南省农村信用社 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 湖南省农村信用社
What does 湖南省农村信用社 do?
The Hunan Rural Credit Cooperative is a provincial-level association of rural credit cooperatives in Hunan Province that provides retail and small-business banking services, including savings deposits, agricultural and consumer loans, payment and settlement services, debit card issuance, and electronic banking channels (mobile, online, and telephone banking). It serves farmers, rural residents, and small enterprises across Hunan Province through its extensive network of county-level member cooperatives and rural commercial banks.
Is 湖南省农村信用社 a public or private company?
湖南省农村信用社 is a private company. It is classified as state government owned and is currently operating.
When was 湖南省农村信用社 founded?
湖南省农村信用社 was founded in 1951. It employs 51 to 100 people.
Where is 湖南省农村信用社 based?
湖南省农村信用社 is headquartered in Changsha (长沙市).
How does 湖南省农村信用社 make money?
Five revenue lines are on record. 利息收入 is the primary driver. The others are 存款业务, 银行卡及电子银行业务手续费, 代理业务手续费 and 信用卡分期手续费.
Who are 湖南省农村信用社's main competitors?
Broad incumbents on record are Postal Savings Bank of China, Agricultural Bank of China and Bank of Communications. Others are Sany Heavy Industry and China Telecom (Hunan). Emerging players are MYbank (MYbank) and WeBank (Weidai). Direct peers are Chongqing Rural Commercial Bank, Henan Rural Credit Union Federation and Guangdong Rural Credit Union Federation.
Does 湖南省农村信用社 have an API?
No public API is recorded for 湖南省农村信用社.
What industry is 湖南省农村信用社 in?
湖南省农村信用社's product category is Rural Cooperative Banking. Its primary akta.pro industry code is FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail), with a secondary code of FSABAEAL, Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops). Its NAICS code is 522130 and its SIC code is 6022.