Du Xiaoman's customer service responded that the depositor's "deposit" changed to "wealth management product", which was operated by the bank
Author: Lv Qian Li Na
Duxiaoman customer service said that the Duxiaoman electronic card page is provided by the bank, while the third-party platform only provides a display platform, and the product design, page display design, etc. are all carried out by the bank.
On July 5, several depositors of Henan Rural Bank sent a screenshot of Du Xiaoman to the First Financial Reporter. The deposit items originally deposited on Du Xiaoman are now displayed on the platform as "wealth management products".
A depositor who has deposits in New Oriental Rural Bank, Zhecheng Huanghuai Rural Bank, Shangcai Huimin Rural Bank, and Yuzhou Xinminsheng Rural Bank, when he called Du Xiaoman's customer service to inquire about the specific reason, Du Xiaoman's customer service responded that Du Xiaoman In the process of business cooperation with Henan Rural Banks, there is no cooperation at the level of wealth management products, only deposit business.
"Strictly speaking, deposits are also a type of wealth management, but we have only cooperated with banks in the deposit business, without any other cooperation at the level of wealth management funds." Du Xiaoman's customer service, after multiple internal confirmations, told the depositor that the electronic card page The design is not changed by the Duxiaoman platform. The Duxiaoman electronic card page is provided by the bank, while the third-party platform only provides a display platform. The product design, page display design, etc. are all operated by the bank.
As for the current issue of Du Xiaoman's deposit balance, which has not been specifically displayed, Du Xiaoman's customer service said that this issue has been verified with the bank, and depositors are advised to continue to pay attention, "The balance will definitely not always be there, but due to some reasons, it is temporarily If you can't view it, it is recommended to continue to pay attention." The customer service said.
Previously, the incident of "assigning red codes" to Henan New Wealth Group and Henan Rural Bank depositors has attracted widespread attention. These depositors are from different provinces such as Hubei, Guangdong, Shandong, Anhui, etc., with deposit amounts ranging from tens of thousands, hundreds of thousands, and millions. .
The key point that needs to be clarified at present is whether depositors' money should be characterized as "deposit" or "wealth management product".
China Business News called Xinminsheng Rural Bank in Yuzhou, Henan, and the automatically played customer service recording showed that "Recently, some criminals have used our online channels to carry out economic crimes. In order to protect the legitimate rights and interests of the general public, the bank has suspended online channel business. "
After the connection was made, the bank customer service responded to the property change of Du Xiaoman's electronic card deposit into a wealth management product, saying, "Our customer service center is not clear, and the online business is currently under verification and investigation. The channel issue you consulted is also being handled by the relevant departments. We are not aware of the specific situation in the process of transferring and undertaking."
As of press time, Du Xiaoman has not yet responded to the media.
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In the evening, Du Xiaoman issued an announcement saying:
1. Du Xiaoman has not made any modifications to the relevant product pages.
2. The page where the word "financial management" appears in the text is not the page of deposit business, but the display page of the electronic card of Class II households.
The words "only support XX Bank Wealth Management" on the electronic card of the second-class account is mainly to emphasize that the electronic card can only be used by "the Bank", that is, if the electronic card is used to purchase wealth management products, it only supports the purchase of investments that are self-operated or sold by the Bank. Financial product.
Savings is the basic function of bank cards, and it will be available by default without express.
In fact, our cooperation with the above-mentioned banks is all deposit cooperation, and we have never cooperated with wealth management products.
3. In order to avoid misunderstandings, we will remove the relevant instructions of "only applicable to xx bank wealth management products" on the electronic card display page.