People's hearts are not ancient, and morality is decayed!"

Zhang Yida sighed, put down the paper materials in his hand, and turned his head to look at Bao Bufan, the CEO of Huinong Loan, who was sitting next to him without saying a word. Watermark Ad Test: Watermark Ad Test

Li Shaohua nodded, and quickly analyzed it in his heart.

Facing Li Shaohua's gaze, Kuang Qingyun nodded, "Yes, he is also from Tazhai Village, and it is very likely that he will collude inside and outside to jointly defraud loans!"

"Then according to Mr. Kuang's meaning, this Lin Jiren is the most suspicious?"

Including Lin Jiren's bizarre resignation, as well as his own conjectures, etc., were all told.

Li Shaohua asked about the beginning and end of the incident again, and Kuang Qingyun told the story as it was.

The headquarters will definitely understand the cause of the matter and will not wronged any good person. ”

After pondering for a moment, he said, "Mr. Kuang, you don't have any pressure.

Seeing that the ashtray on Kuang Qingyun's desk was full of cigarette butts, Li Shaohua knew that this general manager was under a lot of psychological pressure.

Kuang Qingyun nodded, "Clearly, I will fully cooperate with your work." ”

After a few people sat down, Li Shaohua went straight to the point and asked, "Mr. Kuang, you should be clear about our intention, right?"

Kwong Qingyun shook hands with each member of the investigation team very much, saying compliments such as "hard work".

Walking into the office, Li Shaohua smelled a large smell of smoke, and he rubbed his nose when he didn't smoke, and didn't say anything.

Before the people sent by Kuang Qingyun came back, the people from the Ministry of Supervision arrived first.

While looking for Lin Jiren, Kwong Qingyun also arranged other tasks for the employees, visiting the borrowers in Tazhai Village to understand the situation.

That's right, Lin Jiren is from Tazhai Village.

In desperation, Kuang Qingyun had no choice but to send someone to Tazhai Village to find Lin Jiren.

But the phone didn't work!

After the 13 million large order in Tazhai Village had a problem, the company contacted the manager Lin Jiren as soon as possible.

As for the money, the commission of more than 100,000 yuan was also sent to him.

Including his team manager, they have praised him in front of themselves more than once.

Lin Jiren's performance is so good, it is too late for other employees to convince him.

Kuang Qingyun believes that under his leadership, the company atmosphere is very good, and it is impossible to be wronged.

Jackma said that when employees leave, they are either wronged or have less money.

As a result, the man left for no reason.

If Lin Jiren can maintain this momentum, he plans to send him to other cities to develop branches and serve as team managers.

A college student who has just graduated has only joined the company for a few months, and he has made such a good performance, which can be called promising.

Lin Jiren only joined the company in the second half of last year, but with his outstanding sales skills, he won a large loan order of 13 million yuan in Tazhai Village, and became a potential new star of the company in one fell swoop.

Why is it bizarre?

In particular, Lin Jiren, a grassroots loan officer, resigned very bizarrely a month before the overdue incident.

More than 500 people in the village overstayed at the same time, saying that there were no ghosts, and he didn't believe it when he was killed.

He admits that he has not done anything illegal or harming the interests of the company, but it is difficult for the people below to say.

What does the Ministry of Supervision do?

Under his rule, such a large-scale loan fraud broke out, and in any case, he could not escape the blame.

Since receiving a call from the company's headquarters asking him to greet his colleagues from the Supervision Department, he knew that his position was hanging in the air.

But how could he be as relaxed as a cultivator at the moment, and his eyebrows were about to squeeze into a pile.

Kuang Qingyun, general manager of the Fujian Provincial Branch, sat in the office, and the cigarettes kept being sent to his mouth one by one, making the room full of smoke, as if cultivating immortals.

After leaving the airport, several people got into the car sent by the Fujian branch to pick them up and went straight to their destination.

He was accompanied by six team members, all of whom were former public prosecutors and prosecutors with experience in economic investigation and criminal investigation.

Huinong Loan went to Fujian Province to conduct an investigation this time, and he served as the leader of the investigation team.

Li Shaohua is in his thirties, graduated from law, and has been engaged in corporate anti-corruption supervision for many years.

……

I am afraid that the real situation will only be clarified after the Ministry of Supervision conducts an investigation in the past.

Is it the distortion of human beings or the degradation of morality......

Zhang Yida rubbed his face, this is unreasonable!

Bao Bufan has described the situation all over again.

In addition, the five-household joint insurance model has also been implemented. At that time, the Fujian branch also sent researchers to conduct research on the greenhouse vegetable project......"

The data of these villagers has also passed the risk control system, and they are all white households, and there is no problem with credit investigation and big data.

Bao Bufan smashed his mouth and said: "The money was lent last year, and the purpose of the loan is to engage in greenhouse vegetables."

The top priority is to figure out what happened. Where there is a loophole, fill it immediately so that you don't repeat the mistakes of the past.

This is unacceptable to Zhang Yida, and it also goes against the original intention of the public welfare loan of Huinong Loan.

The only way to increase bad debts is to raise the borrowing interest rate and offset it with income.

As long as the bad debt rate is well controlled, Zhang Yida will have the idea of further lowering the borrowing interest rate in the future.

At that time, the loan model for benefiting farmers can also be directly declared a failure.

Profits are already thin, and if there are a few more such loan fraud incidents, the business model that Huinong Loan has built with great difficulty will be immediately overturned.

Benefiting farmers is given low-interest loans, and farmers also repay their loans on time, and the meager profits generated in the middle are just enough to maintain the company's development and operation.

The money is not much, but what is shaking is the foundation of the loan to benefit farmers.

After pondering for a while, Zhang Yida decided to follow this matter personally.

"Lao Bao, what does the risk control department say?"

The top priority is to find a way to get the 13 million overdue loans back and try to recover the losses.

Bao Bufan dispelled the thoughts in his head, now is not the time to think about this!

If the per capita rate can reach 4 million, 5 million, or even higher, the loan benefiting farmers is expected to be profitable.

2,000 people, 6 billion yuan of loans were issued last year, with an average of 3 million yuan per capita.

There are 2,500 employees in Huinong Loan, and 80% of them are grassroots loan officers.

In addition to this, there is also a way to increase output in addition to the size of the existing staff.

Reducing the bad debt rate has become the best choice for benefiting farmers.

The cost of capital is also difficult to compress, and if it is compressed, it will be the bank to do charity.

The company's operating and R&D expenses are not a big one, and an annual expenditure of thirty or forty million yuan is essential.

Personnel salaries cannot be reduced, rural work is hard enough, and if the money is not enough, who will work seriously?

Therefore, in order to operate better and more stable, Huinong Loan still cannot always rely on shareholder blood transfusion, and must produce self-hematopoietic function.

However, if the loss continues, its own funds will be consumed, which will cause the cost of capital to rise, thereby increasing the amount of losses.

Compared with the previous round of equity financing of 1 billion yuan, the loss figure is not large.

Huinong Loan had a net loss of about 40 million last year!

The cost of capital alone is 150 million, and then 50 million bad debts are accrued and nearly 200 million personnel salaries, company R&D, and operating expenses.

The other 75% of the funds, about 3 billion, come from major banks and the issuance of BS bonds, and the financing cost is about 5%.

Taking the cost of capital as an example, 25% of the funds, 10 billion yuan come from its own funds, and the financing cost is zero;

However, there are four main major expenses, capital costs, personnel salaries, company operations, R&D expenses, and bad debt provisions.

The revenue of Huinong Loan in 16 years was 366 million yuan, and all the income came from loan interest income.

Considering the problem of bad debts, Huinong Loan needs to create more than 200 million gross profits every year in order to maintain the balance of revenue.

With so many branches and employees, it's a lot of expense.

Having said that, the platform has more than 20 provincial branches and more than 2,000 employees across the country.

The main focus of the Huinong Loan is the poverty alleviation loan for agriculture, rural areas with an annual interest rate of 6%-12%, which does not pursue commercial interests and mainly promotes loan poverty alleviation.

Either way, the loan benefiting farmers needs to be paid great attention to.

Maybe it's the risk control system, maybe it's the grassroots loan officer.

What's more serious is that there is a problem with the risk control model of the loan benefiting farmers.

In addition to driving up the overdue rate and causing significant losses to the company.

But last year, the total overdue rate was less than 1%, and the amount did not exceed 60 million. The 13 million can account for a quarter of last year's overdue amount.

13 million is not a big number for the loans that benefited farmers who lent more than 6 billion last year.

He didn't dare to stay, and immediately reported it to Zhang Yida as soon as possible.

Bao Bufan is also a person who has been the president of the Rural Commercial Bank, and when he saw this, he knew that he had been defrauded of loans.

These unusual things were fed back to the risk control department by the electric urging department, and then the risk control department formed an opinion report to Bao Bufan.

As for a village like this, it is the first time.

It's not uncommon to encounter something like this, but it's rare.

If it is more excessive, they will find some reasons for arrears to prevaricate, such as the failure of the grain harvest and the death of the sheep......

These people generally do not deliberately overdue the deadline, and even if there are a few who accidentally forget to repay the loan, after receiving their call, they sincerely say that they will repay the money immediately.

And they are all rural borrowers, mainly farmers, herdsmen, fruit farmers, vegetable farmers and so on.

Anyway, it doesn't matter if you send a fake lawyer's letter, or pretend to be a public prosecutor, you just don't coax it.

Other companies face urban borrowers, mostly young people in their twenties and thirties. Well-informed, cultured, not afraid of things at all.

They are different from other mutual finance companies.

The customer service lady was so angry, I have never met such an overdue borrower.

One of the few phone calls was made, and the borrower also strongly said: No money, welcome to do it!

The customer service called and found that most of the phones were down or turned off.

And then the collective overdue!

There are more than 500 people in the village, and a total of more than 1,300 loans have been borrowed from farmers.

The loan fraud incident that broke out in Tazhai Village, Fujian Province, made him very cold.

Zhang Yida didn't speak, clasped his hands, and looked into the distance through the huge bright floor-to-ceiling window.

If we find that an employee is breaking the law, we will not tolerate it. ”

In addition, the Ministry of Supervision has gone to the Fujian branch and will thoroughly investigate the ins and outs of this incident.

Bao Bufan touched the top of the Mediterranean's head, and only spoke up after a while, "The loan officer and risk control commissioner involved in this incident have been suspended.

At this time, Kuang Qingyun's mobile phone rang.

"What, you were beaten? Is it serious? In which hospital?

Okay, okay, I'll be right over!"