Bank of Nanjing responded to the proxy village bank clearing business: not to bear the risk of funds

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.

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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.

Edit: Zhao Shanshan

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