(Original title: Announcement No. 3 of Henan Rural Bank Advance Payment Released Authoritative Interpretation: The three major characteristics of progressive, innovative, and legal compliance are obvious)
Financial Associated Press, July 29 (intern reporter Ha Li Ke)The four rural banks in Henan have made the latest progress in the work of “payment in batches”.
On July 29, the Henan Banking and Insurance Regulatory Bureau and the Henan Provincial Local Financial Regulatory Bureau issued the No. 3 Announcement. According to the announcement, the third batch of fund advances will start on August 1. It’s only been 4 days since the last advance work started.
Zeng Gang, director of the Shanghai Finance and Development Laboratory, told the Financial Associated Press that full advance payment is an innovative way of disposal. It follows the principle of protecting small and ordinary customers under the premise of legal compliance. The relevant processing work is a gradual process, and the follow-up process is expected to accelerate with further in-depth development.
Some people in the industry also said that the advance payment work follows the rhythm of advance payment in batches from small to large. Relevant personnel are familiar with the advance payment work process, depositors are also actively cooperating, and time efficiency is improving.
The third batch of advance work started: step by step, efficiency improvement, focus on legal compliance
In anticipation, a Jiangsu depositor ushered in the announcement of the advance of funds belonging to her batch.
On July 29, the Henan Banking and Insurance Regulatory Bureau and the Henan Provincial Local Financial Regulatory Bureau issued an announcement: According to the advance work arrangement, from 9:00 a.m. on August 1, 2022, Yuzhou Xinminsheng Village Bank, Shangcai Huimin Village Bank, Zhecheng Huanghuai Rural Bank and Kaifeng New Oriental Rural Bank off-book business customers will start to advance the principal for a single institution with a combined amount of 100,000 to 150,000 yuan (inclusive), and continue to advance if it is below 100,000 yuan (inclusive).
At the same time, the Bengbu Banking and Insurance Regulatory Bureau and the Bengbu Local Financial Supervision Bureau also issued an announcement that from 9:00 a.m. on August 1, 2022, the combined principal of the off-book business customers of Xinhuaihe Village Bank in Guzhen Town will be 100,000 yuan per person. Up to 150,000 yuan (inclusive) start to advance, and 100,000 yuan (inclusive) below continue to advance.
This is only 4 days following the start of the second batch of advance work. On July 25, the advance work of client funds with a combined amount of less than 100,000 yuan (inclusive) for a single institution and a single person was started.
“Generally speaking, from the initial 50,000 yuan or less to the current 100,000-150,000 yuan, it shows that the relevant processing work is progressing in an orderly manner toward the final solution.” Zeng Gang said.
It is worth noting that the time interval between issuing capital advance announcements is shortening.
From the announcement on the 11th to the No. 1 announcement, to the No. 2 announcement announced on the 21st, and then to the No. 3 announcement announced on the 29th, the interval between the three announcements has been shortened from 10 days to 8 days.
In addition, the interval between the announcement time and the start of the advance payment has also been shortened from 3 days to 2 days this time. That is, an announcement was issued on the 29th, and the advance payment began on August 1st.
“This is a gradual process, because relevant investigations take time to verify, and the investigation and realization of relevant assets will also take time. With further in-depth development of relevant work, the follow-up process is expected to accelerate.” Zeng Gang told a reporter from the Financial Associated Press.
“It shows that the advance work follows the rhythm of advance payment in batches from small to large. Relevant personnel are familiar with the advance work process, depositors are also actively cooperating, and time efficiency is improving.” An industry insider said.
Just on the evening of July 27, Yuzhou Xinminsheng Rural Bank, Shangcai Huimin Rural Bank, Zhecheng Huanghuai Rural Bank, and Kaifeng New Oriental Rural Bank posted answers to frequently asked questions regarding capital advance on the official website. 14 questions such as special circumstances are explained.
At that time, the four banks said that as long as the customer met the conditions for this advance, the advance payment to the customer would definitely be in place.
On July 17, the relevant person in charge of the China Banking and Insurance Regulatory Commission also revealed in an interview with the media: “The next step will be to start the advance payment work for customers with more than 50,000 yuan. Please wait patiently for the follow-up announcement.”
On the 21st, Qi Xiang, spokesperson of the China Banking and Insurance Regulatory Commission and director of the Regulatory Department, responded to the incident at the five village and town banks in Henan, Anhui and Henan at a press conference. At present, the related work is progressing steadily.
“At present, full advance payment is an innovative disposal method. It follows the principle of protecting small-sum ordinary customers under the premise of legal compliance. The follow-up processing plan should still adhere to legal compliance and carry out disposal work according to the actual situation.” Zeng Gang said.
The first two batches of advanced funds arrived quickly, and the current system is smooth and there is no lag
On the 15th, on the first day of the first batch of fund advance work, a reporter from the Financial Associated Press learned that many depositors had successfully withdrawn their cash, and it took regarding 1 hour following the application was submitted.
At that time, in order to facilitate depositors to withdraw cash, the advance payment system of Henan Rural Banks also extended the opening hours to 6 o’clock in the morning and 12 o’clock in the evening. The system was previously open from 9:00 am to 17:00 pm.
A Shandong depositor who is on the second batch of list told the Cailian Press that all depositors around him who meet the advance payment conditions have successfully withdrawn cash, the system is very smooth, and there is no lag.
According to the withdrawal application flow chart, if depositors want to withdraw cash smoothly, they need to go through 7 steps, including online information registration, identity information authentication, filling in account information, and checking the advance payment agreement.
“I have completed the online information registration and review, and I am waiting for the withdrawal on the 1st.” The above-mentioned Jiangsu depositor said.
Another depositor from Jiangsu told a reporter from Cailian Press that when he advanced the second batch of funds, he filled in the wrong information and had already registered. He is still waiting for the information review, hoping that the problem can be solved as soon as possible to ensure smooth withdrawal.
