up to date!Four Henan Village Bank replaced the chairman at the same time.

05.07.2022

Number of this text: 1666, the reading time is about 3 minutes older

Introduction: The latest progress of "Difficulties in withdrawal" of banks in Henan Village and Town

Author | First Finance Android, Lu Qian

Henan village banks' "difficult to withdraw money" incident have made new progress.

On the evening of July 4, a number of storage households from Henan Village Bank sent a screenshot to the First Financial Journalist. The deposit project that was originally deposited on Du Xiaoman has been changed to "wealth management products" on the platform. As of press time, Du Xiaoman has not responded to the incident.

Earlier, Henan New Fortune Group and Henan Village Bank of Towns "were given red code" incidents that attracted widespread attention. These reserved households came from different provinces such as Hubei, Guangdong, Shandong, and Anhui. Essence The "invisible hands" of the storage funds are different third -party platforms such as Du Xiaoman, JD Finance, and Xiaomi Finance. The storeders have been exposed to, understood, chose Henan Village Bank Savings Project through these channels. The guidance of the phone was transferred to the WeChat Mini Program for Village and Town Bank to store it again.

Wang Lin, a member of the risk management department of a bank, told the First Financial Reporter that one of the main points to be clarified first is that these depositors deposit are characterized by "deposits" or "financial products". If these funds are characterized as "wealth management products", banks need to prove proof, such as risk assessment and risk warnings of wealth management products.

However, on the product page provided by the Reserve to the reporter, there is no product risk prompt, and it is clearly indicated that 100%of the principal and interest guarantee, 4.3%interest rate of interest rates, and the deposit provided by the banks provided by Yuzhou Xinmin Village Bank Product "attribute description.

Today, the deposits deposited by the storeders have been modified to "wealth management products" by the platform, and Kong Defeng, partner of Beijing Quanda Law Firm, told reporters that the final case's decision depends on the judicial procedure. Corporate behavior, if the parties believe that improper modification can be properly proposed, but the company's behavior does not affect the final judicialness of the future Henan Bank incident.

Several non -Henan local storage households told First Financial reporters that in the process of purchasing regular deposits of Henan Village Bank, third -party platforms such as Du Xiaoman, JD Finance, Lujin Institute, and WeChat public account played an important role. In addition to the four self -operated channels, the options given by several Henan Village Bank registration forms include more than 30 third parties including Pocket Bank, Binhai Guojin, Xiaomi Finance, Ctrip Finance, Du Xiaoman, OPPO Wallet, Vivo Wallet, etc. Channel, the interest rate of deposit products on the channel floats up and down 5%.

The dean of the Zero One Research Institute told reporters to reporters that these third -party platforms are usually diversion cooperation. "Similar to the display advertisement, the jump of the background, the savings funds are all card -to -cards. Through the transfer funds of other banks, the entire process is completed." "There are also blind spots in supervision. It is carried out through the Internet. If it is a bank's wealth management product, it can be sold online, but the license is required. The third -party Internet platform may not have such qualifications. "

A person who had worked on a third -party platform introduced to reporters in detail the docking model between banks and platforms and dividing forms: there are two main parts of the cost composition of the bank and the Internet platform cooperation deposit business. The first cost is the bank's bank The cost of saving households on the Internet platform is settled with deposit interest, which is generally less than 5%; the second is the cost of these Internet platforms, about thousands of to thousands of to thousands, if it is village banks, it may may be possible It will be higher, about thousands of five. If it is the city commercial bank in thousands of, the comprehensive cost is about 5%.

Four Henan Village Banks have replaced the normal change of chairman at the same time or is it another reason?

It is worth noting that on July 4, the four village and township banks in Henan replaced the chairman at the same time. 4 villages and towns banks in Henan, including Xinminxin Village Bank of Henan, Huanghuai Village Bank, Shangcai Huimin Village Bank, Kaifeng New Oriental Village Bank, and Kaifeng New Oriental Village Bank.

The announcement said that the shareholders' meeting was held recently, the directors and supervisors were adjusted, and the board of directors and the board of supervisors were held.

On July 1, the Henan Banking Insurance Regulatory Bureau and the Henan Provincial Local Financial Supervision Bureau stated that in view of the investigation of 4 village and township banks such as Xinmin Livelihood in Yuzhou, our province, the relevant departments were screening information Program. Remind relevant customers to register quickly through online procedures and register truthfully.

According to the information of Tianyancha, the chairman and general manager of the Yuzhou Xinmin Livelihood Village Bank were transmitted by Lu, the chairman of the Supervisory Board is Sun Huiju, and Lu Zhuan was also the shareholder of the Shangqiu Huashang Rural Commercial Bank Co., Ltd.

The chairman of the Huanghuai Village Bank of Tancheng is Wang Wei. In addition to the Huanghuai Village Bank of Tancheng, Wang Wei is also a shareholder of an investment company and a limited partnership, and serves as a director and supervisor in the three companies.

The chairman of Shang Cai Huimin Village Bank is Si Yongwei. The new chairman of Kaifeng New Oriental Village Bank is Dong Genwang, and Dong Genwang is also a shareholder of Henan Xinzheng Rural Commercial Bank Co., Ltd.

- END -