China News Agency, Beijing, August 12 (Reporter Wang Enbo) The head of the relevant departments of the China Banking and Insurance Regulatory Commission revealed on the 12th that when talking about the risk disposal of Henan and Anhui rural banks, as of the evening of August 11, a total of 18.04 billion yuan (RMB) had been paid in advance. , the same below), the progress is generally smooth.

　　According to statistics, as of the end of June 2022, there were 1,648 village and town banks in China, of which the central and western regions accounted for 66%, and the county coverage rate was 68%.

The total assets are 2.2 trillion yuan, the total liabilities are 2 trillion yuan, the loan balance is 1.4 trillion yuan, and the deposit balance is 1.8 trillion yuan.

At present, the overall operation of China's rural banks is stable, the asset quality is slightly better than the national average of small and medium-sized banks, the liquidity is sufficient, and the risks are completely controllable.

　　The above-mentioned person in charge stated that in the past few years, under the influence of the bad atmosphere in the industry, some village and town banks were greedy to seek foreign countries, deviated from their main business, illegally carried out bill business, large-amount credit, remote credit, and carried out deposit and loan business through third-party Internet platforms. .

In response to these market chaos, the China Banking and Insurance Regulatory Commission has carried out special rectification, which has achieved obvious results.

The proportion of bill business in the total assets of village banks and the proportion of large loans in various loans have decreased significantly, Internet loans have been basically cleared, and Internet deposits have dropped significantly.

At present, there are still 40 village banks taking Internet deposits in their accounts, with a balance of 3.9 billion yuan.

Except for the five village banks in Henan and Anhui, no other village banks have been found to have or hold illegally absorbed Internet deposits off the books.

　　The five rural banks in Henan and Anhui were controlled by unscrupulous shareholders. They absorbed and illegally occupied public funds through internal and external collusion, third-party platforms and fund brokers. The nature was bad and they were suspected of serious crimes.

The funds absorbed off the books of village banks have neither paid deposit reserves nor deposit insurance premiums.

　　The person in charge revealed that according to the evidence currently available, the vast majority of ordinary customers of off-book business do not know or understand the suspected criminal behavior of New Fortune Group.

Due to the large number of people involved and the large workload of advance payment, in order to ensure the safe implementation of advance payment, the method of advance payment is adopted in batches, and the advance payment to ordinary small customers is given priority.

Since July 11, Henan and Anhui have successively issued 4 announcements, respectively implementing advance payments to customers below 50,000 yuan, 50,000-100,000 yuan, 100,000-150,000 yuan, and 150,000-250,000 yuan.

As of the evening of August 11, a total of 436,000 households and a total of 18.04 billion yuan had been paid in advance. The customer and capital advance rates were 69.6% and 66% respectively, and the overall progress was smooth.

　　There are also some new situations in the advance payment process.

There are a total of 147,000 unregistered customers. In addition to long-term sleepers (account amount below 100 yuan), there are also a small number of suspicious accounts. These customers may be deceived, coerced, or falsely opened accounts by criminals. Further verification of information is required to screen and judge transaction behaviors .

　　The China Banking and Insurance Regulatory Commission said that the next step will be to thoroughly implement the requirements of the Political Bureau of the Central Committee to "properly resolve risks in some local village banks and severely crack down on financial crimes", support and cooperate with local party committees and governments to do follow-up risk disposal work, strengthen the recovery of stolen goods and restore losses, and severely crack down on financial Crimes, resolutely punish financial corruption, adhere to laws and regulations, and earnestly safeguard the legitimate rights and interests of the general public.

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