At present, rural revitalization is being promoted in an all-round way and various policies have been issued. This is a strategic trend. It cannot be dealt with in stages, but needs to be promoted on a regular basis. This will surely release a huge amount of consumption and inves

At present, rural revitalization is being promoted in an all-round way and various policies have been issued. This is a strategic trend. It cannot be dealt with in stages. It needs to be promoted on a regular basis. This will surely release a huge amount of consumption and investment demand. Rural finance There is much to be done.

In the past, banks absorbed deposits from rural areas but only lent to cities, resulting in a sinking market. Farmers' loan and deposit needs were difficult to meet, and even the branches of several major state-owned banks would not sink.

No, rural banks have appeared in China since 2007, but their number has exceeded the rural commercial banks that have been in history for decades. Because only when potential market demand is met in a timely manner can it develop so fast.

As of December 2021, data from the China Banking and Insurance Regulatory Commission show that there are 1,651 rural banks, accounting for about 35.8% of the number of bank legal entities.

Generally speaking, rural banks have small asset scale and low management level, so they are targeted by some speculators looking for opportunities.

In the context of rural revitalization, rural banks can help fill the shortcomings of the "last mile" of financial services.

However, I did not expect that the "Village Bank" thunder incident occurred in Henan, which was really untimely and affected the overall situation.

The incident originated from April 18, when banks in Xinminsheng Village, Shangcai Huimin Village, Tuocheng Huanghuai Village and other towns in Yuzhou, Henan Province closed their online withdrawal and transfer functions without any warning, citing system maintenance. After that, depositors from all over the country went to the regulatory authorities in Zhengzhou, Henan to defend their rights and seek explanations. On May 18, the incident made initial progress. The China Banking and Insurance Regulatory Commission and the Central Bank of China responded that four rural banks in Henan had difficulty withdrawing money: bank shareholders were suspected of violating the law. It is a crime and the public security organs have opened a case for investigation. After

, it became even more interesting. Depositors from all over the country appeared and accurately gave red codes, which made it out of control.

Every detail of the explosion of 400,000 depositors in Henan rural banks is mind-boggling. Behind the secret of the "Yuci red code" is the collusion between big fish and small fish at all levels involved.

The reason why the Henan Village Bank incident is well-known is not that 40 billion in deposits disappeared, but that the bank can collude with certain people from government departments to give red codes to depositors who come to ask for explanations, "Yu gives red codes" The real function is comparable to a certificate of good citizenship. It was the abuse of power by some people that pushed the village bank thunder incident to the forefront. It is obviously asking for trouble.

Therefore, in order to calm public opinion, on the evening of June 22, the Zhengzhou Municipal Commission for Discipline Inspection issued an accountability notice regarding the incident where the health codes of depositors in some village and town banks in Henan changed from green to red, stating that five " Officials who behave "indiscriminately" will be punished.

From the report, it is not difficult to find that the bank involved is one of the parties involved, but the Zhengzhou authorities’ accountability report did not mention the bank involved at all, which seems strange. If the bank involved had not provided relevant depositors' personal information, the red code incident would not have happened, but the bank was not dealt with, which is very strange. It is very likely that the several township banks involved will have huge problems later. Therefore, when dealing with the health code incident, (the authorities) ignored the banks and did not want the society to pay attention to this. Instead, Selective 'avoidance'.

Recently, China Banking and Insurance Regulatory Commission Vice Chairman Xiao Yuanqi specifically mentioned this matter at a press conference held by the Central Propaganda Department on Thursday (June 23). Xiao Yuanqi said that the Henan Village Bank case is still under investigation, and a number of criminal suspects have been arrested and a number of assets involved have been seized. When talking about the overall situation of small and medium-sized banks, Xiao Yuanqi said that although individual institutions have higher risks, the overall risks are controllable. At the same time, the China Banking and Insurance Regulatory Commission will promote the reform of small and medium-sized banks and resolve risks.

The incident of thunderstorms in rural banks in Henan is still unfolding.

However, the culprit of this incident had already changed his nationality and fled to the United States.

At present, the official places all responsibilities on Lu Yi, the actual controller of Henan New Fortune Group. This person can be said to be a "promising young man" who made his first pot of gold at the age of 29.

Lu Yi was not a financial person at first. He made a fortune by building roads, and then mortgaged the toll rights of the roads and loaned out another 2.9 billion yuan. This kind of operation is undoubtedly a waste of money. Lu Yi relied on this He uses tricks to make his wealth bigger and bigger. He can have such tricks at a young age. Either he has climbed up to the powerful, or he is a powerful person himself. I think this is how some of the people who were influential in the country became successful.

What is even more chilling is that the bank New Fortune Group has touched is not just a rural bank in Henan. They not only hold equity in major regional banks such as Luoyang Bank, Hebei Bank, etc., they also have stakes in 6 rural commercial banks and rural banks. At present, the explosion in rural banks in Henan has opened a huge hole worth 40 billion yuan. Are the remaining banks also facing similar problems?

Of course, what savers are concerned about is whether they can still withdraw their money. The local government should be the one who knows best what is wrong with the new wealth. It is necessary to find out who has benefited and who has helped to cover it up and fool the people.

The most disturbing thing now is that even the savings deposited in the bank are at risk of disappearing at any time. As for the example of the rights protection village bank in Henan, it is very clear that trying to get the money back is like going to heaven.

First of all, the depositor took the deposit certificate , which said savings in black and white, but in the end it turned into a financial management product. This has two insidious purposes. One is that financial management does not require compensation, and the other is that the remaining frozen funds do not need to be returned to the depositor. .

Three parties benefited from this. Henan New Fortune Group got part of the money, and the officials involved in power rent-seeking got part of the money. After the incident, the government froze the remaining part. In addition to the depositors, all three parties benefited. This is also Their biggest motivation is to boldly pack red codes for their talents.

In addition, in this incident, who was responsible for the "explosion" of rural banks? The bank in question attracted a large number of depositors through a third-party online platform and swung the sickle at the general public. The bank's explosion also caused unsuspecting depositors to suffer losses. This It is worthy of attention. Should they bear relevant responsibility for this?

From this incident, ordinary people must learn a lesson and try to save money in several major state-owned banks. They must be more vigilant and do not be misled by the false claims of "high interest" and "high yield". Pies in the sky will not fall into the sky. Often, It is a trap, especially ordinary farmers living at the grassroots level. They must be more alert to prevent being deceived.

Judging from this incident, it may seem like a minor cold, but if not paid enough attention, it may lead to a serious illness. To prevent and resolve financial risks, supervision cannot lag behind. It is urgent to establish unified nationwide supervision. For special industries such as banks, supervision must be strengthened to ensure that the safety of people's property is not damaged.

Rural banks, although very small, have freedom of deposits and freedom of withdrawals. This is the bottom line that banks should have and cannot be broken. Coordinating relevant departments and paying depositors is the key. Once there is customer distrust or large-scale withdrawals by customers, it will inevitably trigger financial risks.

This incident has sounded the alarm to rural banks and regulators. In addition to not lagging behind in supervision, rural banks should look for opportunities in the blue ocean of inclusive finance and innovate small and micro financial products and a series of agriculture-related products. product.

Rural banks can only embark on a healthy development track by taking deep roots in serving "agriculture, rural areas and farmers", adding more "earthy flavor" and making up for the shortcomings of the "last mile" of financial services.

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