Henan Village Bank of Henan Village and Towns Explosion: Task households are urgently waited for "getting off", and there is no clear plan for the source of funds.

"China Economic Weekly" reporter Zhang Yuxuan

On July 29, Henan Banking Insurance Regulatory Bureau and the local financial supervision bureaus of Henan Province issued an announcement that from 9 am on August 1st, the Bank of Xinminxin Village Bank, Shang Cai Huimin Village Bank, Huanghuai Village Bank, Kaifeng New Oriental Village Bank's Outside -Towns Business Customer Institute of Bentian Single Institutions' single -person merging amount is 100,000 yuan to 150,000 yuan (inclusive), and continues to pay for less than 100,000 yuan (inclusive).

Earlier, on July 15th and July 25th, the principal recovery of most of the depositors of the deposit households below 100,000 yuan was resolved twice. Essence

Under anxious waiting, any progress related to this case will cause heated discussion among storeders. In addition to actively cooperating with the cushioning in batches, the reserved households are also continuing to recover, protect their rights, hold accountability, and assist relevant departments for investigation in accordance with the law.

Several storage households told the reporter of "China Economic Weekly" that even if they received the principal paid, they would still not give up to protect their legitimate rights and interests through legal channels.

One of the village banks involved. Interviewee confidence

During the two mats, a few people are happy and a few sorrows

Following the progress of the investigation of the case of Lu Yi's case on July 11, the Henan Banking Insurance Regulatory Bureau and the Henan Provincial Local Financial Supervision Bureau issued two announcements to start the pads of the principal of the savings.

Comprehensive two -time paid announcement content, Yuzhou Xinmin Village Bank, Shang Cai Huimin Village Bank, Huanghuai Village Bank of Tancheng, and Kaifeng New Oriental Village Bank "Outside Business Customer", the single merger amount of a single institution is 50,000 yuan, 10 For less than 10,000 yuan, the principal cushion procedures can be performed online on July 15th and July 25th.

Among the two mats, many eligible storage households received paid funds after completing online registration, and the reserved households successfully received the funding funds and nicknamed "get off the bus".

On July 15, the Chukou Li Nan successfully "got off" in the first batch of pads. Li Nan each opened a account at Kaifeng New Oriental Village Bank and Yuzhou Xinmin Livelihood Village Bank. Through the Tianxing Financial Platform, they deposited 30,000 yuan and 10,000 yuan to these two banks, which met the first batch of 50,000 yuan required by the preparation. Limited condition. After the cushion was performed in the applet, at 20 o'clock that day, Li Nan received the two deposits of more than 40,000 yuan.

On July 15, Li Nan successfully "got off" through the first batch of pads. Interviewee confidence

According to Li Nan, on the morning of July 15th, a large number of reserved households poured into the cushion application system as soon as the system was opened. Network congestion caused the online operation to be extremely unsatisfactory. The network, constantly refresh until it finally succeeded at 3 pm. " By the time of the second batch of pads on the 25th, the problem of network cards was optimized. Several storage households said that the second batch of mats completed the application quickly, and the funds arrived quickly. "

Two mats to solve the problem of some stores, but after all, the coverage is limited. Among a WeChat group established by the reserve households, a number of refereors feedback. These two paids have not yet covered the majority. Most of the holding of the households invested more than 100,000 yuan. "".

According to the information feedback from the group in the group, more than 10 of the more than 50 storage households have more than 10 storage households who have paid the "get off the car". Most of the reserved households are still waiting. According to a rough estimate of the reserve households, "the amount of most people deposited is between 100,000 and 400,000 yuan, and the total amount in the group is about 12 million yuan."

Many people have doubted the settlement of the settlement of the settlement of the settlement of the settlement. "The deposit of 30,000 yuan should have been more than 1,000 yuan in interest, and only more than 800 yuan was settled in the mat." In this regard, Li Nan speculated that "there may be differences in the statistical period of interest calculation." Some storage households have roughly calculated and judged that "the interest after April 18 does not seem to be counted."

The reporter called the "village cushion" mini -program customer service. The wiring staff explained that the current padding is only targeted at the principal, and the amount of the reserved households can be included in the principal. Therefore, there will be some differences between the amount of pads and the actual principal and interest.

In addition, according to the storage households Liang Li, because the applets need to be applied for face recognition, "the elderly in the family have always had to make a face brushing procedure for blinking and turning their heads. miss". Zhao Lan, a locker, is abroad and cannot log in to the padding applet "brushing the face". Even through VPNs, it will not work, which will also cause the matties to fail. There are also referees who have changed their mobile phone numbers and bank cards, causing the cushion to be blocked, and the second batch of cushions has not been resolved.

Some storage households have contacted the relevant person in charge of Henan to feedback such issues, and the other party said that "it has been reflected up, there should be a solution." When the reporter called the small program customer service, he got the same reply. By July 25th, the second batch of cushions was launched, and the problem of face recognition of these people was still not resolved. When the local banking insurance regulatory department responded to the complaint of the store, it has been transferred to Henan Province, which is responsible for the implementation of the implementation of the padding work. Rural Credit Union handled.

Batch padding plan requires financial support

Although there are many twists and turns during the cushion process, after experiencing many difficult recovery, inquiries, and rights protection, most of the residents still choose to restrain here, waiting for the subsequent padding work to cover themselves. Most storage households are optimistic about the advancement of the padding work and believe that recovering their own funds by padding is only a matter of time. Some storage households are more anxious. According to the previous two mats, the "rules" are summarized. "If you pay every 10 days, the amount of 50,000 yuan is increased each time. Although it is a 'squeeze toothpaste', it can also solve the problem."

The prosecutor pays the timetable for self -made pads according to the current "law". Interviewee confidence

However, the official has not explicitly explained the padding plan. Does the "law" of the storage households exist?

After the first batch of advancement work was launched, Liang Li went to the local banking insurance regulatory department to ask for how to carry out the subsequent padding plan. According to its disclosure, the staff of the interview said that "there is no so -called" padding timetable 'at present, mainly because the required funds required for padding are uncertain. Payment may also fail. "

Many storage households speculated about the problem of the source of the funding funding. The day before the announcement of the No. 1 Payment Announcement, the Xuchang police notified the detection progress of the Lu Yi case. According to the report, "the public security organs have arrested a group of criminal suspects, and they have seized, seized, and frozen a group of funds and assets involved in the case according to law." In the announcement of No. 1, the basis for the padding is "investigating and handling the case and recovery of capital assets according to the case."

However, the official announcement has never explicitly explained where the cushion funds come from. So some reserved households turned their attention to other channels.

On July 17, the person in charge of the relevant departments of the Banking Insurance Regulatory Commission revealed in an interview with the media that in the first half of this year, with the approval of the State Council, the four provinces (cities), including Henan Province, distributed 103 billion yuan in debt quotas.

As soon as the news came out, he heated discussions in the reserve group. Some storage households analyzed that "even if it is a 4 -horizon special debt, Henan Province can be divided into 25.7 billion yuan, which can largely solve the problem of padding."

The reporter called the Henan Supervision Bureau of the Banking Regulatory Commission in this regard, but the power was not answered. After calling the "Village Cushion" small program customer service phone call, the staff of the wiring told reporters that there is no notification at the moment, and it is impossible to confirm how the paid payment will be proceeded; Whether the debt quota will be used to support future mats is not yet known.

As of July 29, the next round of padding points will be set on August 1, and the upper limit will be increased to 150,000 yuan. The situation is obviously better than the "laws" summarized by the predecessors. "Village Cushion" seems better than expected.

The dynamics of the Banking Insurance Supervision Discipline Inspection have aroused high attention from the storage households

In fact, any "wind and grass movement" that may be related to the case can arouse great attention from the storage households.

On July 24th, on the eve of the second padding work, the Central Commission for Discipline Inspection of the Central Commission for Discipline Inspection was stationed at the Discipline Inspection and Supervision Team of the China Banking and Insurance Regulatory Commission and the Henan Provincial Supervision Committee. Illegal is currently under review and investigation.

Li Huanting was under the supervision survey. Screenshot of the CBRC official website

According to resume information, Li Huanting has served as the former director of the regulatory department of the rural small and medium -sized financial institutions of the Henan Supervision Bureau of the Henan Regulatory Commission. According to the information of the official website of the Henan Supervision Bureau of the Banking Regulatory Commission, this office undertakes the access management of rural commercial banks and rural credit cooperatives in the jurisdiction, conduct daily supervision such as non -on -site monitoring, risk analysis, and supervision and rating. Check it, and propose suggestions such as processing suggestions.

As soon as the news came out, it triggered a discussion in the group. Many people speculated that Li Huanting's falling horse was related to the explosion of the village bank.

In fact, before that, many senior officials have been dismissed by the CBRC. On April 2nd, Jiang Liming, director of the supervisory department of the former CBRC rural small and medium -sized financial institutions, was suspected of serious disciplinary violations for review and investigation; on July 17, Song Zhanying, an inspector of the illegal fund -raising office of the CBRC, was investigated and investigated for serious disciplinary violations. On the same day, the former CBRC Zhang Yansen, a disciplinary inspector and a supervisor at the Discipline Inspection Commission, the Supervisory Bureau, is suspected of serious disciplinary violations and is currently undergoing disciplinary review and supervision and investigation.

The high -pressure situation has continued to this day. Although there are no clear signs of this type of disciplinary inspection, such discipline inspection dynamics are related to the explosion of village and township banks, the investigation of the case has made progress and the situation is developing in the direction that is conducive to storeders.

On July 17, the person in charge of the relevant departments of the Banking Insurance Regulatory Commission revealed to the media that the public security organs have initially identified the main facts of the case and restored the truth of the incident. According to its further explanation, Henan New Fortune Group manipulated Henan and 5 village banks in Henan and Anhui in the case, illegally absorbed and possess public funds by colluding internally and outside, using third -party platforms and funding passengers to accommodate the original business data and cover up illegal behavior. According to the evidence currently held, most of the ordinary customers of the account of out accounting are unaware of the new wealth group's suspected criminal behavior, and they have not obtained additional high interest or subsidies.

According to a source close to the local procuratorial system of Henan Tancheng, a reporter from China Economic Weekly revealed that many local people involved have been arrested. At present, the procuratorial organs have begun to intervene in the case.

The victims prosecution platform and bank

In addition to waiting for padding, the storage households are still trying to protect their rights through various legal channels. On July 25, the savings of less than 100,000 yuan received paid money. Interviewee confidence

After the second batch of cushions, many successful "get off the bus" storage households said that even if the cushion made up the losses of the deposit principal, they would not give up the interest to recover the interest through legal channels. Several storage households believe that the Internet financial platform and village banks involved in the entire incident have an unspoken responsibility in the entire incident. They are planning to initiate a lawsuit against the two parties, asking for interest and compensation for losses.

Wu Xindong, a lawyer of Beijing Deheng Law Firm, analyzed the reporter of "China Economic Weekly" that the key to whether they can claim compensation to the online financial platform lies in the role of these platforms in the process of purchasing regular deposit products involved in the "store households". Masters, if these platforms only provide media services, it is difficult to require these platforms under the current legal framework. If these platforms have fraudulent behaviors such as false propaganda during the drainage process, or explicitly, or other evidence to prove that it Provide guarantees for "storage households" shall bear corresponding compensation or guarantee liability.

The reporter called the "Du Xiaoman" platform to ask the matter. The other party's customer service refused to disclose the power information of the platform in such business on the grounds of "non -reserved households". Products are not structural deposits.

Wu Xindong said that if the "store" and village banks have formed a savings contract relationship, according to the provisions of the "Savings Management Regulations" and other laws and regulations, the reserved households have the right to withdraw the freedom of withdrawal. Take the interest rate.

Responsible editor | Yang Lin

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