Henan officially announced that customers of four rural banks had repaid in advance. What's the difference between advance payment and compensation?

When I heard that some bank deposits could not be withdrawn normally, my first instinct was quite shocking. Generally speaking, my feelings for the bank are trustworthy, so I feel quite at ease whether I deposit money in the bank or do other business. This time, bank deposits in four villages and towns, including Xinminsheng in Yuzhou, Henan Province, could not be withdrawn normally, which caused many depositors to suffer losses. Therefore, under the premise of safeguarding the legitimate rights and interests of the masses, Henan Banking Insurance Regulatory Bureau and Henan Local Financial Supervision Bureau paid the users of bank fraud in four villages and towns, such as Xinminsheng, first under the circumstances of investigating comprehensive fraud cases and recovering related assets and funds. There are many details about the difference between advance payment and compensation.

1, one of the differences: the details and arrangement of this promotion.

Through the announcement of Henan Banking Insurance Regulatory Bureau and Henan Local Financial Supervision Bureau (1), we can learn the following contents.

The four banks that prepay are: Yuzhou Xinmin Minsheng Village Bank, Shangcai Huimin Village Bank, Zhecheng Huanghuai Village Bank and Kaifeng New Oriental Village Bank.

The first batch of advance receipts began on July 15, and the target of advance receipts was customers with a single consolidated amount of less than 50,000 yuan (inclusive). For customers whose single consolidated amount is more than 50,000 yuan (inclusive) for a single institution, advance payment will be arranged one after another.

The advance payment needs to be processed in advance through the small program "advance payment of village banks", and the opening time of the small program is 9: 00 am on July 15.

Compared with compensation, advance payment needs to be implemented by an institution first, which is a gradual process. Until the end of this case, all the funds involved are recovered.

2. The second difference: the meaning of advance payment.

Compared with compensation, this advance payment is an early consolation and stability for the victims of bank deposits in four towns and villages, including Yu Minsheng in Yuzhou. Compared with the long process of waiting for the end of the case, paying in advance makes the relevant victims stable in advance, which is also a comfort to the people.

Compared with compensation, this agent of advance payment is also a temporary participation.

3. The third difference: correctly understand the advance payment.

Read the text of the relevant announcement carefully, and find that the customers who have paid in advance have obtained high interest rates through other channels or have other illegal acts, and the funds paid in advance have the right to recover.

It is learned from the article that there are other institutions that pay in advance and complete the above-mentioned compensation, and then compensate the institutions that pay in advance after all cases are completed, so as to complete the priority arrangement of preemption and postponement.

I believe that soon, with the efforts of relevant departments, the deposits of four rural banks, including Xinmin Sheng, will be recovered. In fact, it also reminds everyone who may apply for a deposit that the market is risky and financial management needs to be cautious. When there is the temptation of high interest rate or high return, the first thing that should be thought of is the qualification, anti-risk ability and principal security of the bank.

It may always be remembered that there is no such thing as a free lunch, and there is no time to casually drop pies from the sky.