The central bank's Nanjing Branch responded!

According to Xinhuanet, on the 13th, the "Henan Village Bank of China: Henan Village Bank Reserve: Flowing the Flow of Money and Discovery Bank of Settlement" was found.

Relevant person in charge of the business management department of the People's Bank of China Nanjing Branch said that the Chinese modern payment system is an important financial infrastructure in my country. , Small payment system, online payment cross -bank liquidation system, national check imaging exchange system, and domestic and foreign currency payment systems. It is the core support system for my country's financial markets and provides safe, stable and convenient payment liquidation services for all socio -economic activities.

According to the provisions of the People's Bank of China's large and small payment system business processing measures, small and medium -sized banking institutions that cannot directly join the payment system, such as rural commercial banks, village banks, and foreign banks, etc. Direct participants (for example, Bank of Nanjing) agreed to handle fund liquidation business.

Nanjing Bank's proxy village and town banking funds liquidation business is handled in accordance with the relevant provisions of the People's Bank of China's payment system. The relevant funds liquidation services are legally compliant, the payment is convenient, safe, stable, and has no connection with relevant village and town banking cases.

At present, the People's Bank of China pays stable operation, safe and efficient, and sufficient liquidity, which can well meet the needs of economic and financial activities.

Bank of Nanjing issued important notice 发

Nanjing Bank issued a description of the fund liquidation business of commercial banks agent village and township banks on the 13th. Among them, the liquidation business of commercial banks represents village and township banks is only used as fund liquidation channels and does not bear the risk of funds.

Picture source: screenshot of Nanjing Bank webpage

The explanation pointed out that the funds of village banks are proxy through a commercial bank with liquidation qualifications. The liquidation of commercial banks agency village and township banks is based on the "Guiding Opinions of the People's Bank of China on improving the payment service environment of rural areas" and the "Measures for the Agency of Payment and Settlement Business" in accordance with laws and regulations. It is a conventional agency business. During the proxy clearing process, as a commercial bank of the agency clearing bank, it is responsible for the receiving and receiving funds of the receiving and instructions of the clearing instructions, and only has a liquidation relationship with the agency bank and the People's Bank of China.

For example, for example, the remittant should transfer its funds to the village bank in Bank A. After the Bank A accepts it, the funds are transferred to the reserve account opened by Bank A at the People's Bank of China. The liquidation instruction transferred the funds to the agency clearing bank of the village and town banks at the reserve account opened by the People's Bank of China, and notified the agency clearing bank. The proxy clearing bank transferred the funds to the village and towns banks according to the instruction. After the funds are transferred to the village bank, the work of the agency clearing bank is completed.

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