When the loan is reviewed, the purpose of the loan will be reviewed, and the borrower must also use the loan according to the contract, once the misappropriation will be the first will be the loan will be recovered, and then it is more likely to be held responsible, such as credit rating downgrade, being blacklisted by the bank to refuse current accounts, fines of one to five times, and even being prosecuted for loan fraud - this is the case for ordinary loans, not to mention low-interest loans, which are more serious in nature.

Kitahara Shuji frowned and thought about the doorway inside: "Isn't the nest case?

Niwa Arika smoked her second cigarette much more slowly, the smoke filled her eyes, and she said softly, "It is indeed possible that it is a simple personal act, but I feel more like a nest case...... The other party was well-prepared, the accounts were impeccable, and he deceived the audit department of OUCC, the previous commissioner of the Financial Services Agency, and even almost deceived me, no, it should have deceived me, this is obviously not the first time to commit a crime, and it will not be just to embezzle a loan. ”

Kitahara Shuji nodded slightly, that loan is only 110 million yen, even if nearly half of it is embezzled, it will be about 50 million yen, and according to these people's methods, this money will be repaid with principal and interest in the future, and the account will be flat and silent, but I don't know what I will do with this 50 million yen, and what can I invest 50 million yen to be worth spending so much effort and taking such a risk?

50 million yen is definitely not worth it, and the possibility of multiple illegal loans is indeed very high!

Then it will be debunked on the spot and catch this one, and it is not good that it is only this time to catch this one, and under the grass and snake, if there are factories with similar behaviors, they will immediately start to redo the accounts, make up for the loopholes, fill in the funds, replenish the materials, and in the blink of an eye, they have all become normal borrowers, and there is no way to catch them, even if they want to find out whether they are dead or alive, the cost of time and energy invested will be at least ten times.

Kitahara Shuji's mind turned, and he felt that Niwa was right, anyway, Akashi had faith and couldn't run, so it didn't matter if he was free for two days, first secretly check if he had an accomplice, and whether he was the mastermind or an accomplice.

If an individual commits a crime two days late, it will not affect the overall situation, and if it is not an individual crime, then a large number of cases will be arrested.

He figured it out and asked with a smile: "Then Commissioner Niwa is planning to find out if there are any similar cases first, and it is suspected that someone is taking the lead, and there are many factories using similar methods to embezzle loans?"

"Yes, this doesn't look like a simple loan fraud, but a misappropriation of low-interest loans for profit. If it weren't for the personal behavior of Akashi Yushin and others, there should be a complete gray chain of interests behind it. Niwa cleared his mind as he spoke, his spirits lifted up, and the last few words revealed a fierce aura.

The time has come for meritorious service!

Kitahara Shuji mourned for three seconds for Akashi Yushin and the factory, feeling that they were unlucky to meet Niwa - these people racked their brains to make the application materials better, and they didn't have the cooperation of ghosts in the Eastern Union, which should have been smooth sailing, but they ran into Niwa, the master who didn't recognize the written documents, and had to investigate and check from all sides, not even checking the factory orders, and came to the field to see, and finally found out something.

It can only be said that what is fake is fake, and if you can deceive the sloppy ghost, you can't deceive the serious - no wonder people who are serious are easy to be hated!

Of course, they also failed in having to put the metal ingots too neatly and cut corners, which is unforgivable and deserves to be cleaned up!

Kitahara Shuji felt that this matter was not a trivial matter, and asked with a smile, "Will the Financial Services Agency send an investigation team?"

Niwa extinguished the cigarette and shook his head, "Let's get the ironclad evidence first, and then we won't say that it has not been proved to be a nest case, so we don't need to mobilize the people first." Then she glanced at Kitahara Shuji and said truthfully: "And I also have performance requirements." ”

If it is really a large-scale nest case, she has to do the credit first, check it completely, lock the mastermind behind the scenes, and then recruit a large army, so that in the future, no matter what, her status as the main hero will not be able to run, and she will receive a steady salary increase and promotion.

Kitahara Shuji has no opinion on this, while doing his job well, it is completely understandable that he has a little personal pursuit, this Niwa also has to live, and it also needs food, clothing, shelter and transportation.

He smiled and said, "Then I wish Commissioner Niwa an early promotion." "Don't mention money, it's too vulgar.

Niwa didn't expect to be sent out as a commissioner for only a few days to have a big harvest, this is all thanks to Kitahara Shuji's blessing, I couldn't help but look at him more and more appreciation, and said sincerely: "Thank you this time, Kitahara-kun." ”

Without Kitahara Shuji, she went back like the previous commissioner, maybe she won't pay attention to the loan documents of this factory when she sees it in the future - a good factory, don't worry about a little problem, just go in the right direction.

"That's what I'm supposed to do, you're welcome, but what are you going to do about it next?"

"Let's start with the lender, he is the first person to handle it, if he is not blinded, I am afraid that the other money he put is a little problematic. "Niwa just needs to find a breakthrough, she herself is still very experienced, after all, she has been doing it for seven or eight years, even if she has never experienced this kind of thing, she has heard it many times.

She advised: "Don't let Wu Cun know about this matter first, everything will be on the same schedule today." ”

Will not be scared to the end, Kitahara Shuji understood, and at this time Yoko Takemura ran back with a lunch box and a drink, Niwa smiled at Kitahara Shuji, and began to ponder, looking like he was bored and passed the time.

The next day's itinerary was still carried out as planned, but Niwa did not perfunctory, or asked carefully one by one, and most of them had no major problems, after all, the audit department of OUCC was not for nothing, as for some small problems in terms of documents, some fabricated false orders, Niwa did not entangle - she was mainly concerned about where the loan was spent, which was her job.

There is no need to mention that there is still money in the account, and if she has no money, she has to ask in detail where the flowers went, what she bought, and where she put them, and then she has to follow to take a look, and Kitahara Shuji also uses the system points by the way.

At the end of the day, I ran six houses, in addition to the first one has a problem, there is also a problem, the same money and the purchased things do not count, but the camouflage is very clever, how to look at the materials and accounts are tightly matched.

Niwa remained silent, acting as if he hadn't found anything, and finally rushed back to the Touchu store at about eight o'clock in the evening. Yoko Takemura was happy, and if she didn't find out anything, her pressure would be much less, otherwise if she really found out something, although she couldn't blame her, she would inevitably be angry with her superiors.

Lucky!

When she returned to the Eastern Union, Niwa had no intention of getting off work, and was about to make a meritorious service, what kind of work would she go to? She assigned a lot of tasks to Yoko Takemura, a temporary assistant, and asked for a lot of information, and she forcibly drove her to find it regardless of whether there were people in other departments, and after Yoko Takemura left, she called herself for a while and soon received several emails.

There are other staff in this office, but she doesn't fake her hands, she moves the printer and prints it out by herself, and then gets together with Kitahara Shuji to watch it - she no longer thinks that Kitahara Shuji is an intern high school student, and really treats him as an assistant.

"Isn't the person in charge of it?" Niwa couldn't help frowning a little after a brief look, the two problematic factories were not looking for the same person to handle the loan, but two different employees.

It's a bit complicated, are they all deceived, or are they all involved in the misappropriation of funds?

Kitahara Shuji looked at it carefully and praised it: "The performance of these two people is very good, they can basically recover the loans on time, there are almost no dead debts, and the customer evaluation is also perfect, far better than their colleagues." ”

"I'll check their customers again!" Niwa is behind the state machine, there are a lot of resources that can be used, many ordinary people need to break their legs to find out, she directly through the financial department to ask other government departments for information, and it only took more than half an hour to get a full set of tax information about the loan objects of these two people in recent years.

However, the tax list Kitahara Shuji was a little incomprehensible, so Niwa began to teach him again, pointing and saying: "Mainly look here, other business taxes, consumption taxes and the like don't need to care, these decals, education surcharges don't need to be seen, the nature of the turnover tax as long as the production and operation will be paid, you can't see the quality of the business, and judge the quality of the business only by looking at the income tax, this will only be paid when the factory earns money." ”

The old driver's guidance was quite reliable, and Kitahara Shuji understood it in seconds, and his high intelligence relative to ordinary people immediately took effect, and he quickly judged the problem: "These factories have been operating for a while since four years ago, and they seem to have been unprofitable for a period of time. ”

Niwa nodded and said, "I'm afraid that there have been some times when they were on the verge of bankruptcy and had difficulty getting loans, but then they all got low-interest loans, that is, ...... That is to say, some people pull them in, apply for low-interest loans in their name, and then use the excess part of the low-interest loans to lend usury or engage in some illegal things, and then share the benefits of these factories after obtaining the profits, so their tax situation gradually began to improve. ”

Kitahara Shuji also nodded: "The factory has received a low-interest loan, which can maintain its business, feed its workers, and get an extra income at the same time, so it is very happy to cooperate?

This hasn't been completely straightened out, and Kitahara Shuji feels that it's a bit of a scratch on his head - all behaviors are dressed in a legal coat, gray income is taxed normally, and in the blink of an eye, it has become legal property, and even money laundering is saved. You say you have the brain, the ability to execute, isn't it good to do something serious? Do you have to do this?

Niwa confirmed, "That is, there is a problem with both of these guys...... Wait a minute, I'll look up their resumes. ”

She touched the phone and called the personnel department, regardless of it, and asked for the personnel resume information of three or four departments in one breath, and she was the identity of the housekeeper's mother-in-law - not the identity of the big girl next to the mother-in-law, and reprimanded a few words, and the personnel department relented and directly sent her the personnel resumes of hundreds of people, including the two "criminal suspects".

In fact, there is nothing to keep secret about this personnel file itself, and it does not involve personal privacy or internal secrets, it is basically something that you can know as soon as you ask, and the personnel department is quite happy, and understands that the "daughter-in-law" cannot afford to provoke the "mother-in-law", and it also saves Niwa from rushing down directly to find them trouble--what problems do you have to refuse to cooperate with the investigation? I want to apply for your Oriental Union to be included in the key inspection objects of the Financial Agency this year!

The personnel resume was successfully obtained, Kitahara Shuji and Niwa immediately divided the labor and cooperated, and compared the resumes of the two "suspects", and found that both of them had been in the Takagi City branch in Aichi Prefecture, and it was a senior-senior relationship, and then followed the vine, and found a few guys with exceptionally good performance in four years among the existing staff and promoted staff of the branch, and suddenly Niwa was surprised, happy and angry- The possibility of the nest case is getting bigger and bigger, someone is manipulating the use of a large number of low-interest loans behind the scenes to make profits, this person has strong organizational skills, and at the same time it is convincing, it is really a big fish!

As long as you find out who it is, you will have enough credit for yourself, and then call for a large army to finish it!

Kitahara Shuji also gradually put together the puzzle pieces - the money lenders in the sales department can improve their performance, facilitate promotions, and share the benefits of profits, and have additional income, so they are naturally very willing to participate, which makes up for the other party's organization.

Factories that can't get loans, bank lenders, expatriates who have been kicked out of the bureau and whose incomes have plummeted, and now only the organizers behind them are missing.

Who was the president of the Takagi branch four years ago? Even if he wasn't the big boss, he was the most suspicious person at the moment!

Niwa checked the information and found the most suspicious person at present--Hiroyasu Mizawa, the president of the Takagi branch four years ago! Because of his outstanding performance, he was transferred to the store a year and a half ago as the head of the fifth sales department!

But when she turned her head, she found that Kitahara Shuji had picked up another person's name, and couldn't help asking, "Do you think it's this person?"

She attached great importance to Kitahara Shuji's judgment, but Kitahara Shuji shook his head lightly and said with a smile: "No, it's me who has a personal grudge with this person!"

Ichiro Oishio was the head of the sales department at the Takagi branch four years ago, and is currently the deputy director of the fifth sales department at the headquarters of OUCC.