The "fake bank" was exposed and even shouted that the supervision should "eliminate misunderstandings". The
supervision department reminded: consumers should handle business in formal financial institutions
A fake bank exposed by regulators not only did not keep a low profile, but also publicly called to communicate with regulators to "eliminate misunderstandings".
On May 26, the Guangdong Banking and Insurance Regulatory Bureau issued the "Announcement on Suspected Illegal Acts of "China Plain Bank", stating that "China Plain Bank" has never been approved and licensed to prepare, establish and operate related banking financial institutions. "Pingyuan Bank" is suspected of illegally establishing banking financial institutions and illegally engaging in business activities of banking financial institutions.
After the fake bank was exposed by the China Banking and Insurance Regulatory Bureau, it boldly claimed to have set up a working group to communicate with regulators and "eliminate misunderstandings."
Guangdong Banking and Insurance Regulatory Bureau:
"China Plain Bank" has not been approved
Recently, the Guangdong Banking and Insurance Regulatory Bureau found that online information related to "China Plain Bank" appeared on some websites, WeChat public accounts and other platforms.
"Plain Bank of China" collects the identity and property information of consumers through the WeChat public account and other channels, and conducts relevant business.
In this regard, the Guangdong Banking and Insurance Regulatory Bureau solemnly reminds: the China Banking and Insurance Regulatory Commission and its dispatched offices have not approved the "China Plain Bank" to prepare, establish and operate related banking financial institutions, and the "China Plain Bank" is suspected of illegally establishing banking financial institutions. Institutions, illegally engaging in business activities of banking financial institutions.
The Guangdong Banking and Insurance Regulatory Bureau stated that according to the "Banking Supervision Law of the People's Republic of China", "The Law of the People's Republic of China on Commercial Banks" and other laws, no unit or individual may establish a banking financial institution without the approval of the banking supervision and management agency of the State Council. Or engaging in the business activities of banking financial institutions, no unit may use the word "bank" in its name.
The Guangdong Banking and Insurance Regulatory Bureau asks the majority of financial consumers to be vigilant, enhance their awareness of risk prevention and identification, handle financial business through formal financial institutions and formal channels, stay away from illegal infringement, and beware of being deceived.
If you find any situation related to the "China Plain Bank" within the jurisdiction of Guangdong, you are welcome to call the reporting and consulting telephone to provide clues.
Fake bank claims to have set up working group
Report to regulators to "clear misunderstandings"
Surprisingly, after being exposed by the supervision, the so-called "Plain Bank of China" not only did not restrain in the slightest, but also published an announcement online "Plain Bank of China instructs the working group to actively connect with the Guangdong Banking and Insurance Regulatory Bureau".
In the above announcement, "China Plain Bank" said that after seeing the above negative news, it responded immediately and established a Guangdong working group. The Guangdong Banking and Insurance Regulatory Bureau made a report to find out the root cause of the news, reach an agreement and eliminate misunderstandings.
In the announcement, "Plain Bank of China" also said boldly: "The team is young but stable, brave in innovation but well-considered, and has grown rapidly despite its shortcomings. Our products are logically clear and sustainable, and comply with the basic economic According to the law, no damage to people's property has been caused and no complaints have been received so far."
The related public account has been suspended
Vulnerability is obvious
A reporter from Beijing Youth Daily found that a public account named "House Loans Treasure" had a profile of "China Pingyuan Bank (Chip) Mortgage Insurance".
As of the press time of the Beiqing Daily reporter, the official account has been stopped.
The main body of the WeChat official account is "Guangzhou Xiaohou Imaging Technology Co., Ltd.", the account type is enterprise, and the IP location is displayed as Guangdong.
The introduction of the official account is China Pingyuan Bank (Chip) Mortgage Guarantee.
However, according to the screenshots provided by netizens, the official account issued a total of 17 articles before it was suspended, and 13 articles directly appeared with the words "China Plain Bank".
Among them, an article on January 15, 2022 titled "Preparation Progress of China Pingyuan Bank & Milestones in the Development of Mortgage Insurance Products" wrote that last year, the "China Pingyuan Bank" preparatory working group had worked with Huadu District Government, The Guangzhou Municipal Government and the relevant departments of the Guangdong Provincial Government communicated about the bank's preparations; in July last year, this "fake bank" got its first customer for its mortgage loan product from Guangzhou.
According to an article on the official account on March 12, the "fake bank" even held a meeting to discuss co-working with the Guangzhou Housing Provident Fund Management Center.
On April 1 last year, the official account issued an investor relations statement stating that the institutions currently planning to invest in "China Pingyuan Bank" include "State Administration for Market Regulation (to be determined), Central Huijin Investment Co., Ltd. (expressed investment). intention)".
Judging from the announcement issued by the Guangdong Banking and Insurance Regulatory Bureau, these remarks are undoubtedly lies.
According to the official account, the main products of "China Pingyuan Bank" currently include: Pingyuan Mortgage Insurance, Pingyuan Maternity Insurance, Pingyuan Enterprise Insurance and Pingyuan Credit Insurance. The bank address is located in Zhujiang New Town, Guangzhou.
The photos on the official account show that this "fake bank" has offline stores, and the words and icons of "China Plain Bank" are pasted on the glass door.
According to the company’s information, “Guangzhou Xiaohou Imaging Technology Co., Ltd.” is a small and micro enterprise established on May 20, 2020 with a registered capital of 5 million yuan. Its legal representative and suspected actual controller are named Chen Sucai; its The industry it belongs to is "software and information technology service industry", and its business scope is "information technology consulting services, software development, vegetable retailing, fruit retailing" and other contents, and there is no financial related content.
Some bankers pointed out that if it was true as the "Plain Bank of China" said, it would not be able to carry out any banking business during the preparatory period, because the bank could not carry out financial business during the preparatory period, but this "bank" It got its first customer in May, which is a glaring hole.
Text / reporter Cheng Jie