Hey, here is a spicy strip
The Henan Bank incident has also lost its popularity recently.
Whether the money can be recovered has become an unsolved mystery.
On the one hand, we must not only protect the depositors' money, but also find out the mastermind behind the scenes.
This spider web is really big.
The main suspect in this 40 billion incident is Lu Yi, but there are still many people behind Lu Yi, the biggest of which is the second-in-command of the Bank.
Fortunately, these umbrellas had been caught before Lu Yi.
It was because Umbrella was caught that Lu Yi ran away.
will come up with a separate article another day to talk about it.
Lu Yi started planning in 2011. In the past 11 years, he has extended his tentacles into 13 rural banks.
The four banks affected by the thunder this time are among these 13.
Cheating our money to do good things elsewhere
The total assets of Xuchang Rural Commercial Bank are 13.638 billion, so it is roughly estimated that these banks add up to hundreds of billions of assets.
is quite scary.
Lu Yi is indeed a very smart person. He uses various equity interests to become the boss behind the scenes.
Each bank is interspersed with three or four levels. Bank → Companies at all levels → Partners → New Wealth → Lu Yi.
So Lu Yi is nowhere to be seen on the surface.
It is this very complex structure that will lead to various line branches during the review. The workload is quite large, and I am afraid it will take a year.
As the media said, it is difficult to determine whether this company has a normal cooperative relationship with Lu Yi or whether it belongs to the "Lu Yi group."
If it hadn’t been for the thunder caused by the red code incident, it’s hard to imagine how much money they would have made.
34 platforms need to be held responsible?
Seeing this, we have to think about a question.
Where did these small banks get such a huge user base?
After all, more than 400,000 depositors were affected.
So we have to trace the source to the diversion institutions behind these banks.
Who is introducing business to them and attracting depositors?
Finally, after some searching, Latiao discovered something strange in a report.
Most of these victimized depositors are from Internet platforms.
For example, among the 1,317 depositors who became popular, 871 have never been to Zhengzhou. They all handled business through third-party online platforms.
Take a look, this proportion is quite amazing.
There are more than 34 Internet platforms that cooperate with these troubled banks. They range from little-known small institutions to well-known large companies in various industries.
It is worth noting that there are also some p2p platforms. The
brand covers almost everything we see on the market. The
network platform sells products through its huge user base, and the commercial banks behind it are responsible for providing services.
The two parties hit it off immediately, and the wealthy customers naturally took the bait.
In fact, we can clearly see through comparison that these products are all gimmicks with high profits.
In the report, Latiao also noticed it. They mentioned that the funds flowing through major platforms exceed tens of billions, involving millions of customers.
In addition, Latiao also found in the "2021 China Financial Stability Report" that 89 banks diverted traffic through third-party Internet platforms, involving a diverted amount of approximately 550 billion, while the third-party platform made a profit of 110 million.
What a terrifying existence this is. Fortunately, it was not the big banks that were hit by the thunder.
If you think about it carefully, it is actually not an exaggeration. Take the major manufacturers in the list as an example.
has hundreds of millions of users, and you have 100% of their products in your hands.
suddenly remembered that Sima Nan had said before that Lianx Financial Empire was so profitable and its income was so high.
There is no way you can make this amount by selling computers.
No wonder, no matter big or small, they are all running financial business branches.
However, on January 15, 2021, the above issued a notice that banks are not allowed to carry out time deposits and fixed deposits through non-self-operated online platforms .
wants to settle everything that has been carried out naturally, but these customers have not left.
The information is already in their hands, so change your vest and continue working.
So how do these Internet platforms make money?
When the money goes into the bank, they naturally cannot make the money.
There are roughly two ways they make money.
No. 1: Get commission. A certain fee is charged from the bank according to the customer's transaction amount.
second: commission. The two parties worked together privately and made a profit at the end of the year dividends .
Regardless of which method, the third-party platform only makes money but does not lose money.
suddenly felt that it was understandable that these platforms were actually a transfer station and a business intermediary.
So here is the most important question? Do
, the platforms responsible for attracting traffic, need to be held responsible?
Latiao thinks it is very likely not, because these customers are voluntarily purchasing existing Internet platform products.
However, these Internet platforms are stakeholders, and no one will agree to say that they have no responsibility at all.
Latiao also made a special investigation. One of the lawyers said: "If these Internet platforms continue to operate without correction after the 'notification', they are accomplices."
Behind this is the temptation of high interest rates
Why do so many people fall into this trap?
To put it bluntly, behind the scenes are the temptations of high interest rates, drunkenness and drunkenness, and bravery under heavy rewards.
Latiao has seen a lot of information mentioning high interest rates and 8% income. Have you ever seen it?
However, the data shows that the bank where the incident occurred is 4.2%-4.9%.
The China Banking and Insurance Regulatory Commission said that if the annual rate exceeds 6%, you should be careful.
In fact, when compared with major state-owned banks, anyone who is much higher than them should be careful.
For example, ICBC , the deposit is 3.15% for 5 years. BOC , the deposit is 2.75% for 5 years.
However, the banks that were hit this time gave 4.2%-4.9%.
also stated that 100% compensation is guaranteed within 500,000 (it seems like a joke now).
This is more than double. Small banks are not as profitable and have as many customers as big banks. The cash flow of and is even worse than that of big banks.
Big banks don’t dare to do anything. If they do this, how will they make money in the long run? It would be weird if it didn't collapse.
So, as I said before, you can’t be greedy for small gains and suffer big losses.
I remember when Moubao first came out, it was just over 7%.
has been declining since then. After these years of decline, it has now reached about 2%.
is more than 3 times less.
However, compared with major state-owned banks, this interest rate is within a reasonable range, even lower than them.
How to deal with this matter next, I don’t know yet.
But why do you keep urging depositors to register?
The depositors had already discovered the trick when they registered earlier, and it seemed that they were going to turn their savings into commercial products.
Because the name of the information registration interface is wrong. The
page is written with words such as "earning income, transaction channels, products, annual interest rate, term" and so on.
"Depositors" become "customers and investors", "deposits" become "funds", and "interest" becomes "income".
Therefore, many netizens suspect that this is not a depositor information registration, but a business financial management registration. By writing
, the identity changes from a saver to an investor.
After all, you are responsible for your investment and your profits and losses. But no one will compensate you.
【Latiao original handling report】
