The deposit has become "financial consumption"?Longjiang Chuki in the thunderstorm vortex of Henan Village Bank

Anxiety, despair, anger, and embarrassment ... Harbin citizen Jiang Cheng was repeatedly tormented by a series of emotional fluctuations in nearly 80 days that he and his parents could not be taken out for nearly 80 days.

In the mines of Henan Village Bank, some Longjiang people are also trapped. According to the CBRC, "Four Village Bank shareholders -Henan New Fortune Group colludes through internal and external, and uses third -party platforms and funds to absorb public funds. Can't take it out. In the vortex, the emotions, life, work, and even habits of the storage households have experienced an unprecedented impact in the past 80 days ...

Oneless deposit has become "financial consumption"?

In October 2020, Jiangcheng passed the third -party sales platform and bought a regular deposit product of 80,000 yuan in Huanghuai Village Bank. He carefully looked at the product instructions that the page clearly stated "bank regular deposits", "capital guarantee", "participating in deposit insurance, 100%compensation within 500,000". A few years ago, Jiang Cheng has begun to purchase similar Internet deposit products through major mutual gold platforms. Each time, it has expired principal and interest payment. "It is no different from offline state -owned bank deposits." On November 3, 2021, Jiang Cheng's deposit received a total of more than 4,000 yuan in interest as scheduled.

On April 18 this year, the news that the four villages and towns and towns banks in Henan could not withdraw money. Later, the relevant agencies estimated that withdrawal involved in the banks of Xinmin Village and Town, Henan, Henan, Huanghuai Village Bank, Kaifeng New Oriental Village Bank, Shang Cai Huimin Village Bank, 400,000 customers, more than 30 mutual gold platforms involved The funds are nearly 40 billion yuan.

"Even if there is a problem with the bank's operation, the deposit insurance must have a role, and the money can be lost! At that time, this news was not taken seriously ..." Jiang Cheng was initially optimistic. Later, the initiator of the incident, "New Fortune Group", entered the public vision, and he found that things were getting more and more wrong.

The online storage households crazy forwarded the village bank customer service to deny the recording of the online deposit business. During the recording, the official customer service staff of the Tancheng Village Bank directly denied the cooperation with platforms such as Du Xiaoman, denied the bank applet that was certified by WeChat, and even denied that the bank had the official website. Subsequently, the official announcement of the government management department's official announcement of the "village bank executives and the internal and external shareholders".

"Very anxious! After reading the announcement, I only slept for three or four hours a day. The first thing I opened my eyes was to go to various rights protection groups, Douyin Weibo to brush the news about deposit banks ..." Harbin City's store householder Li Rong said, official The announcement did not mention the words "deposit" and "store" from beginning to end. The use of "financial consumers" and "chasing dirty loss" is inevitable that people have not reminded of the way to deal with P2P explosion. This means that the nature of their money in these banks has changed -may not be recognized as deposits.

Unhappy, they joined a WeChat group spontaneously formed by Longjiang Chuhu. At present, the number of people in this group is nearly 300, and the number is still growing.

They respond to customer service and official dialogue as sleeping pills

The most anxious thing for the storage households is whether their money will be identified as deposits? According to the deposit insurance system, even if the bank has operating problems, it can still be realized within 500,000 yuan. If it is identified as an illegally absorbing public deposit or a fundraising fraud, it can only be returned according to the proportion of pursuit, and the results of the pursuit of stolen stolen goods are just the most uncertain.

Whether the money of the stores has been identified as the standard of deposit has not been announced. In order to relieve anxiety, Li Rong will contact the latest progress in the customer service across the three differences. Every time the answer is, "guarantee you that you apply for a regular deposit business on my platform and be protected by national deposit insurance. All funds enter the funds. All funds enter. After the bank account, the bank also pays you interest. Your original account opening message and funds transfer information in the bank, and the interest payment notification SMS, etc., can be used as evidence to prove that your deposit business relationship with the bank. "

For the storage households, these recording and videos have become an ease of anxiety placebo. You have to listen and watch it again and again. Not long ago, the deputy director of the Henan Provincial Banking Regulatory Bureau dialogue with the rights protection and reserve households said, "As long as those who are deposited properly and deposited in accordance with the regulations, we will guarantee our legitimate rights and interests, and the legal interests ..." Sleeping pills, you must listen to recording before going to bed.

With no exact hope, many reserves began to regret it. Many of them have handled the Internet deposit business of small and medium -sized banks on large -scale mutual gold platforms such as Du Xiaoman and Tianxing Finance. Before and before 2020, several online deposits products involved in the village and towns were launched. They just had money in their hands and bought them. The annual interest rate of one -year deposit of the above -mentioned village banks was about 4.8%, which was higher than the four state -owned banks. However, the Internet deposit interest rates on the Internet of many urban commercial banks and private banks at that time were flat, and they were not stained with high interest rates.

The trapped is buying a house, seeing a doctor, and pension money ...

The deposit cannot be taken out, and real life is directly affected.

The savings of Jiangcheng and a part of their parents' pensions were nearly 200,000 yuan. In order not to worry about the elderly parents, he has never dared to tell his parents about it. "Fortunately, I have no mortgage and car loan," Jiang Cheng found that many people in WeChat group were waiting for the money to pay the mortgage and repay the car. A girl talked in the rights protection group, and her father gave her all the money selling the house, saying it was for her dowry. A guy left a message saying that the money he was going to get married was also trapped inside. Right now, many real estate in Harbin launched a discount event. Mr. Zhao had to buy new houses to improve the living conditions a few years ago and had to put on hold.

The reporter learned in an interview that many stores are deposit products involved in the village and township banks involved in the Guojin Institute's platform recommended by a large insurance company salesman, and many salespersons of the insurance company also purchased these deposit products themselves. "My mother is hospitalized, and the medical expenses per day are tens of thousands of medical expenses. My money can't be withdrawn now," said an insurance salesperson. Another part -time salesman said that her father was paralyzed in bed. In order to take care of the elderly, she couldn't go out to work at all.

Some people take out the money of the small bank, and some people retain the screenshot of the flow of funds

Those stores in the vortex of the village banks, in anxiety, began to extend the disbelief to more wealth management products and channels.

"I have taken the deposit purchased by the Internet platform through the Internet and other Internet platforms. Some of them have expired in one or two months," Li Rong said, regular deposits can only be calculated in advance in advance, which allows her Lost more than 4,000 yuan interest.

"Don't you feel distressed? But seeing everyone in the group is taking a screenshot of their own money, and worrying about the deposit again, I will take it all." Li Rong's biggest confusion now does not know where to save the money he took out? "The interest rates of the four states are low, the stock funds dare not invest, and the small bank is not assured."

"Now when I go to the bank to save money, I will take the initiative to choose the ATM machine. I feel that the machine operation is more grasped than manually. At least it can avoid the situation that the deposit is not allowed due to the crime of bank employees in the news." Citizen Zhao Yi said.

The impact of Henan Village and Town Bank incidents, many banking institutions have also been forced to start proved their credibility to the reserve.

"Dear users, all the deposit products of our bank enjoy deposit insurance guarantee ..." SMS from a small Anhui Bank recently received by Jiangcheng. Since the thunderbolt of Henan Village and Town Bank, many Longjiang stores with existing Internet deposits have received reminders SMS similar to small banks that can issue deposit certificates for depositors.

Today, Jiang Cheng, who has not expected to retrieve the deposit in the short term, and consulted the lawyer. He began to collect and save evidence for himself to prove that his deposit was deposit. "I have printed a type of flow records of a class to transfer to the two types of cards. On the Du Xiaoman platform, I opened the payment return. They all showed that my money was deposited in the account of Henan Village Bank, and the deposit processing process on the Du Xiaoman APP app stored the deposit processing process Various screenshots and deposit protocols and interest detailed screenshots, "Jiang Cheng was worried that the data and records on the APP would suddenly disappear one day. He also reminded some group friends in the group to quickly save relevant transfer and screenshot records. Not only that, he also specifically checked and screenshots of the financial license of Du Xiaoman platform and related village banks. He checked the business scope of the above institutions on the Tianyan check.

After collecting the evidence into the chain, Jiang Cheng said affirmatively: "I did drain the formal mutual gold platform through licensing operations, and handled the deposit business. The transfer record showed that the money also entered the bank account. The relationship has been formed. "His logic is that the Henan Village Bank incident" It's like you lend money to others. He accidentally lost it, but he couldn't change the fact that he owed you money. "

Harbin Chukou Xiaohong's trapped deposit exceeded 1 million, almost all of her home. She was pregnant with the news that she was waiting at home every day. She had almost collapsed one day. She said that she couldn't wait anymore and wanted to go to Henan to learn about the latest situation. However, the media reported that many Henan Village Banks were given a red code. She was worried that once she was isolated, and her family strongly opposed it, she eventually dispelled this idea. Many Longjiang Chuhu also had a plan to go to Henan before, but in the end, it did not work. (The interviewed in the article is a pseudonym)

Source: Bingcheng+Client

Reporter Huo Liang

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