Chapter 1355 Fighting between dragons and tigers (1)
Wang Chenghu could naturally see that at this moment Liu Haotian was trying to coerce public opinion to force him to give in.
But at this moment, Wang Chenghu knows very well that now is the critical moment to show his value.
Wang Chenghu said coldly: "Mayor Liu, I think you have ignored a very important issue, that is, the leaders of our relevant departments have already said at the press conference that more than 90% of our village banks have no problems.
!
What's going on, are you trying to turn a deaf ear to what the authority said and add weight without authorization?"
It has to be said that Wang Chenghu's words are very powerful. If Liu Haotian answers carelessly, he may fall into Wang Chenghu's trap.
Liu Haotian sighed softly: "Comrade Wang Changhu, it seems that you still misunderstood what I meant. I never said that all rural banks across the country have problems. I just said that I hope that through early intervention, all the banks in Nansong City can be dealt with in advance.
Village banks and all private banks have carried out risk inspections. The purpose of this is to find as many companies with serious safety risks as possible, let them make rectifications, and do everything possible to protect the legitimate rights and interests of our depositors in Nansong City and even across the country.
!
Comrade Wang Chenghu, I think you have underestimated the viability of these rural banks.
Take our Nansong Village Bank as an example. Look at how many customers from other provinces there are on site! How did they come?
Comrade Wang Chenghu, don’t you know that our country has long stipulated that village and town banks must only accept deposits from local people, but why do so many people from other provinces come here?”
Speaking of this, Liu Haotian did not consult or wait for Wang Chenghu's answer. He directly asked and answered himself: "There are two reasons why such a problem arises:
The first reason is that although the banking and insurance regulatory system has relevant documents, they have not been strictly implemented. This also shows that there are serious deficiencies in supervision!
In the end, the document can only become a piece of paper! For this trouble, please ask Comrade Zhao Guangming from the Provincial Banking and Insurance Regulatory Bureau to explain why your Provincial Banking and Insurance Regulatory Bureau did not discover such a serious problem in our Nansong Village Bank. You are responsible for our Nansong Village Bank.
The departments that supervise banks, what do they do for a living?”
Zhao Guangming's old face turned red. As an old man in his fifties or sixties, he felt embarrassed to be scolded by a young man in his early 40s like Liu Haotian. However, he knew very well that although Liu Haotian was younger than him, his level was higher.
He was tall, so he could only endure such reprimands, because there was indeed something wrong with their provincial banking and insurance regulatory bureau.
Zhao Guangming smiled bitterly and said: "Mayor Liu, it's like this. The director of the department responsible for the supervision of rural banking business in our Provincial Banking and Insurance Regulatory Bureau has a problem and is currently being investigated by the internal discipline inspection department of our Banking and Insurance Regulatory Bureau."
At the critical moment, Zhao Guangming can only throw this subordinate out first!
Liu Haotian shook his head gently: "Director Zhao, I think the thunderstorm at Nansong Village Bank is definitely not just a problem of the department director. Is there any problem with the deputy director in charge of this work? Is there any problem with you, the director?
I believe that the final investigation will give the final result!
Regarding this matter, I will recommend that the Provincial Commission for Discipline Inspection or even the Central Commission for Discipline Inspection intervene in the investigation!
We will investigate your provincial banking and insurance regulatory bureau thoroughly!
As for the second reason I mentioned, it is that the company knows it cannot do something but does it!
Based on the main information provided by on-site depositors and the results of my research, I found that Nansong Village Bank opened second-class accounts through online peer-to-peer invitations, and launched high-interest deposit products to users by adding whitelists and other methods.
!
The highest interest rate can reach 4.6%!
Moreover, before I reported this problem to Secretary Song, I personally tried it. My mobile phone number is not the mobile phone number of our Nansong City, and my ID card is not the ID card of our Nansong City, but I can still log in online.
Purchase the deposit products of Nansong Village Bank without any hindrance!
So I would like to ask, don’t Nansong Village Bank know that their approach has violated the regulatory red line for attracting deposits from other places in a disguised manner?
Moreover, I can also tell Vice Mayor Wang and everyone present that in addition to our Nansong City Village Bank, some other village banks and private banks in Nansong City, and even many rural banks and private banks in other places across the country, there are widespread
Similar questions!
Of course, some banks are very vigilant, and they need to be introduced by an acquaintance before they can give you the interface and permission to open high-interest deposits! Especially many banks have adopted many disguised methods!
For example, they will use big data to push high-interest deposit contacts to users on a large scale online!
Let people take the initiative to contact the account managers of these banks, and then the bank account managers will open whitelist permissions for these depositors after identifying them, so that these depositors can purchase high-interest deposit products through the Internet or mobile phones! And only depositors are required
Just provide your name and ID number!
Some banks are very smart. They will use points coupons to timely change the deposit interest rate of depositors from the statutory statutory regulations stipulated by the state to high-interest deposit products!
For example, if you deposit in their bank for three months, you can get corresponding points, and these points can increase your deposit interest rate! Eventually, your deposit interest rate will reach 4.6%! Or they can set it for you.
The deposit amount will give you points based on the deposit amount! As long as your deposit amount reaches a certain scale, we will only open a whitelist for you and give you a 4.6% deposit interest rate!”
Speaking of this, Liu Haotian looked at Wang Chenghu coldly: "Comrade Wang Chenghu, I would like to ask you, do you know about the tricks of these rural banks?
If you don’t know, isn’t it very inappropriate to criticize my investigation suggestions here?
In particular, our country has issued relevant regulations. The "Notice on Matters Concerning Regulating the Personal Deposit Business of Commercial Banks through the Internet" clearly stipulates that local legal person commercial banks must adhere to their development positioning and ensure that the deposit business conducted through the Internet is
Based on the customers in the area where the institutions are established, many commercial banks have broken through this restriction and have many flexible ways to evade supervision!
I would like to ask Comrade Zhao Guangming, does the China Banking and Insurance Regulatory Bureau know about this issue?
If you knew, why didn't you take measures to restrict it earlier?
If you don’t know, it’s understandable, because the explosion of our village bank in Nansong City has fully exposed your inaction on this matter! This is a serious dereliction of duty by your provincial Banking and Insurance Regulatory Bureau!
Especially some private banks will remind users through pop-up reminders that our deposits are currently based on regulatory requirements and are mainly for local users. Are you a local user? If you click No, then you will not be able to purchase.
Their high-interest deposit products, however, if you are an out-of-town customer, as long as you click Yes, the banking system will directly let you purchase related products regardless of the out-of-town environment where your mobile phone and network are located!
This is the formalism of the Internet! It transfers the responsibility of its own supervision to the users! It also transfers the risks to the users!”
Speaking of this, Liu Haotian looked calmly at Zhao Guangming, director of the Banking and Insurance Regulatory Bureau: "Director Zhao, as the mayor of Nansong City, I sincerely beg you, I hope that your provincial Banking and Insurance Regulatory Bureau will really
Really implement the regulatory responsibilities in place, I don’t want to see the second village bank or private bank thunderstorm problem in our Nansong City again!”
Zhao Guangming was sweating profusely, and Liu Haotian's words just now made his head feel as big as a bucket.
Although Liu Haotian did not criticize him directly, Liu Hao almost made him feel ashamed. Almost every word Liu Haotian accused them of their lack of supervision.
Wang Chenghu took a deep breath and said coldly: "Mayor Liu, I believe you should also know very well that banks, especially rural banks and private banks, are struggling to survive now. They have adopted some unconventional means to maintain their survival.
Although it is illegal, it is excusable.
Of course it is necessary to strengthen supervision, but do you think the China Banking and Insurance Regulatory Bureau has so much energy and so many manpower to complete the supervision of so many rural banks?
I think what we are discussing now should be how to resolve the current crisis in rural banks in Nansong City and how to solve the problem of depositors withdrawing their hard-earned money, but we should not expand the problem at this time."
At the critical moment, Wang Chenghu chose to shrink the front without hesitation, and at the same time pulled the depositors on the scene to his side. Through their interests, he forced Liu Haotian to shift his sights from targeting all rural banks to only targeting them.
Nansong Village Bank.
This is also the value of his Wang Chenghu existence!
Liu Haotian glanced at Wang Chenghu with a deep expression. He could now conclude that Wang Chenghu definitely had hidden secrets with the rural banks in Nansong City, and even had unconventional connections with many rural banks and private banks!
Thinking of this, Liu Haotian rolled his eyes and remembered it. He decided to temporarily satisfy Wang Chenghu's wishes. He smiled and said: "Comrade Wang Chenghu, I would like to ask, as the deputy mayor in charge of financial work, do you know that now
What is the state of Nansong Village Bank? Do you know how much money is on the books of Nansong Village Bank?"
Wang Chenghu couldn't help but frown: "This matter needs investigation, and the results can only be obtained after the investigation."
Liu Haotian sighed: "Comrade Wang Chenghu, I can tell you clearly now that there are only more than 10 billion in funds in the accounts of village banks in Nansong City, and the deposits they have illegally absorbed have reached 60 to 70 billion, and most of them are
It has been moved overseas, and the entire family of the major shareholder has also gone overseas!
So, please tell me, how should we deal with this situation? I would also like to ask Deputy Mayor Wang to give a feasible suggestion!"
Liu Haotian started digging a hole for Wang Chenghu without hesitation!
He, Liu Haotian, is definitely not the kind of person who is proud of being cheated!