Henan rural bank case is about to usher in significant progress . On the evening of July 10th, the Financial Supervision Bureau of Henan Banking and Insurance Regulatory Bureau urgently issued the latest announcement . The risk disposal plan of rural banks such as Yuzhou Xinminsheng will soon be announced. , and for customers with deposits of less than 50,000 , will advance first, while customers with deposits of more than 50,000 will be advanced one after another later;
As a result, the truth of the case of missing bank deposits in villages and towns is also becoming more and more clear. It is clear that the culprit of this incident is Henan New Fortune Group. This empty-handed company has taken away nearly 40 billion of funds in the past 11 years.
And what kind of and tricks did this new wealth group use to control these rural banks in broad daylight?
And for depositors , why can't they withdraw money even though it is a village bank recognized by the state?
Although rural banks are also formal banks approved by the state, they still have many differences from other large state-owned banks.
First of all, equity relationships are extremely complex. Take the Henan rural banks that were hit by the thunder as an example. These rural banks are all controlled by Xuchang Rural Commercial Bank, and the major shareholder of Xuchang Rural Commercial Bank is Deyitian Agricultural Materials. , and most of Yitian's shares are held on behalf of others.
is behind the scenes and is the actual controller behind , Lu Yi, whose nationality is Cypriot . None of the shareholders of the above-mentioned companies has his name.
Henan New Fortune Group was founded in 2011. Its original purpose was to focus on buying banks. It has continuously placed more than 1,100 shadow companies in various financial institutions. However, how many rural banks does it control? Currently No one knows, some say there are four, some say there may be more than 13. What's even more amazing is that this group that controls so many banks actually completed the company's deregistration on February 15 this year.
It can be seen from this that To what extent is the equity relationship of some rural banks in chaos?
Secondly, these village banks are basically established in rural areas, and their service targets are basically the agricultural population. However, due to the relatively weak saving ability of the rural population and the limited group of depositors, in order to attract more people to save, To save money, they will use Internet third-party platforms or their own APP, to use high interest rates to attract a wider audience of savers, especially savers from other places..
But this time it was done even more brilliantly. It relied on the procedures of a real bank to create a fake system. People thought that the money was deposited in the bank, but in fact there was not a penny. No one could stand it.
As of now, there are 1651 rural banks in total across the country, of which 103 are judged to be high-risk institutions. Are there similar minefields?
Regarding bank deposits, I need to remind everyone of four points. comes first . Never make bank deposits on third-party online platforms. Currently, this deposit method has been taken offline, and it can still exist. Considered a fake platform. second , if your deposit amount is relatively large, it is recommended to give priority to the four major state-owned banks of China Agricultural and Industrial Construction. Third , we must distinguish the differences between deposits, insurance, financial management, and funds. According to current legal regulations, only bank deposits are protected by the deposit insurance system, and others are regarded as investments. If someone tells you RMB financial products can Guaranteed capital and interest, please blacklist me immediately.
Fourth , time deposit certificates are preferred to banks with flexible withdrawals. For this kind of time deposit certificate, if you need urgent use after depositing, you can withdraw the corresponding amount, and the interest on the remaining funds will not be affected;
Finally, I sincerely hope that the country’s laws It is becoming more and more perfect, and every common people's hard-earned money can be effectively protected.
