One morning, after Xia Xia came to the branch, he was walking in the corridor when he met Chen Jiao, who had just gone to work, walking from the second floor to the third floor. Pen Fun Pavilion wWw. ｂiquge。 info When he saw Xia, he was not very happy and said: "Lao Xia, Lao Xu's loan, hurry up and approve it, report it to me." ”

Summer was a little surprised, and then said, "Okay." ”

After returning to the office in the summer, while reviewing the loan information, he thought: "It seems that Lao Xu really opened the president and head office, which means that he is still competing with me." ”

It was because of what Chen homework said that Xia Xia became a little more serious and looked at the loan information on Xu Dong's poster in detail. It's also strange that Xu Donghai is not good at learning, he is usually lazy, and he has read the materials provided by the customer, as if he hadn't seen it, and he didn't know much, so he let Xia see an attempted fraud case.

After thinking again and again in the summer, after making sure that he hadn't looked away, he picked up his pen and wrote on the approval column of the director of the capital and credit department:

The loan submission materials were fraudulent loan materials characterized by fake official seals, fake materials, and fake signatures. Accordingly, I do not agree to the loan.

Summer, 4/5/1999

The magistrate heard that what he wrote this time in the summer no longer discussed the question of whether to take out a loan or not in a tone of consultation with the governor as he did last time, but bluntly put forward a negative opinion. Of course, the governor can also dismiss Summer's opinion and continue to approve the loan, but if there is a problem with the loan in the future, the president or other approver with unique opinions will have to bear full responsibility. As a result, smart presidents usually don't write approval opinions that are contrary to their previous positions.

In order to give the governor the impression that Summer would not be presumptuous, Summer felt that it was not enough to just write the above words, and also to explain the detailed reasons for not agreeing to the loan. It is also necessary to make the governor feel grounded. So, he wrote on a separate note:

Regarding the loan review of Shenzhen Daming Industrial Development Company

1. Borrower's discrepancies:

(1) The borrower's business performance is poor. I opened an account in the Sungang office of our bank for more than half a year and still has no settlement. For the sake of prudence, the Ministry informed investigator Shu Guangrong during the examination period whether it could provide the company's settlement lists for December last year and February this year when the company opened accounts with other banks, so as to show that its business was operating normally.

(2) The logic of the borrowing information is insufficient. The purchase and sale contract has been largely completed, but there is a large amount of the same steel in the past "inventory", and the "payable" has nothing to do with the contract supplier, indicating that it is not the latest purchase and sale activity that needs to be paid.

2. Mismatch of the mortgagee:

(1) The mortgagor's power to mortgage a third party is restricted. Article 28 of Chapter 6 of the Articles of Association of the Company: "...... Directors and managers shall not use the company's assets to guarantee the debts of the company's shareholders or others. Article 7 of Chapter II states that shareholders have the following rights: "...... When the company infringes upon its legitimate interests, it has the right to request the people's court with jurisdiction to rectify the act and claim compensation if it causes economic losses. ”

In addition, as a provincial enterprise, the provisions of the Guangdong Provincial State-owned Assets Management Bureau and the Guangdong Branch of the People's Bank of China jointly issued a document (Guangdong State-owned Assets Appraisal (1996) No. 30 "Notice on Issues Concerning Mortgage Loans of State-owned Assets" cannot be ignored. The article stipulates: "1. When a state-owned asset occupier uses the assets it occupies in accordance with the law as collateral to obtain a loan from a bank or other financial institution, it must be approved by the state-owned assets management department at the same level (according to financial affiliation) at or above the county (district) level. …… 5. If the state-owned assets are mortgaged without the approval of the state-owned assets management department at the same level, the mortgage contract shall be invalid. The mortgagee shall not dispose of the collateral of state-owned assets that have not been approved and appraised when the mortgage fails. Otherwise, if the loss of state-owned assets is caused thereby, it shall be investigated and dealt with in accordance with the relevant regulations. ”

(2) In the application materials, it seems that the two official seals are used alternately, and the side width, five stars, and the word "real" of "industry" are obviously different. It shows that the company has more than two official seals, or one is true and one is fake, or the two official seals used in dealing with our bank are fake.

In addition, there is also a difference between the signatures of director Li Yimin and shareholder Li Yimin.

3. Conditions for the possible passage of the loan:

(1) The borrower's business situation is indeed relatively normal.

(2) The sole shareholder of the mortgagee is the provincial bureau, therefore, Guangdong Yuehua (Shenzhen) Co., Ltd. is a wholly-owned and wholly-owned company established by the provincial bureau in Shenzhen, and a written commitment from the bureau to agree to the mortgage should be obtained, because the articles of association of the company are protected in accordance with the law.

(3) It seems that the old methods of "linking deposits and loans" and "using loans to attract deposits" should not be used in the loan submission statements to avoid violating discipline against the wind.

summer

5 April 1999

After writing it in the summer, I read it and thought it was relatively objective, and even said that there were two official seals and fake signatures in the submitted materials, and did not say words such as fraudulent loans. The purpose is to allow the president to read the content without a point of view and make his own judgment. So, put the material in the file.

Xia called the examiner Wang Yang and said to her: "I have reviewed the loan materials of Lao Xu, and it seems that there is still a problem. You can take a look, and after reading it, whether your original opinion should be withdrawn or not is up to you to consider independently. ”

Wang Yang was very nervous when he heard that Xia's views were inconsistent with his own censorship opinions. immediately took over the file, opened the review opinions written by Xia, and after reading them in one go, he compared the patterns of the two official seals according to the description in Xia's article, and the signature of Li Yimin was clear, and felt that Xia's words were well-founded. Then he said to Summer: "Manager Xia, I'm sorry, I was careless, I wiped out my original opinion with correction fluid!" After speaking, he took the correction fluid from Summer's executive desk and covered the original opinion of agreeing to the loan.

Seeing that the correction fluid was dry, Summer asked with a smile, "Do you dare to sign a review opinion that disagrees with the loan?"

Wang Yang said: "Why don't you dare! The official seals are all fake, if you agree to the loan, won't it chase us in the future?" After speaking, he picked up the pen and wrote, and in the summer he only heard the sound of "brush, brush, brush", and after a while, Wang Yang wrote the review opinion.

So, in the summer, he put the loan approval form back into the file and handed over the entire file to Chen Job. Then, he immediately left Chen's office.

Chen Jiaojiao saw that Xia Xia and Wang Yang both wrote opinions disagreeing with the loan, and he was angry. However, when I turned the second page, I saw the review opinion written by the summer, and in a blink of an eye, I became the master of the bitterness that I couldn't say. He thought angrily in his heart: "This Xu Donghai is Liu Chan who can't be supported, doing a business and making a foreign appearance, how can he be his director?"

Thinking about it, this matter involves the judgment of his subordinates, and he doesn't dare to call the shots, and he doesn't dare to exchange opinions with Xia or Xu Donghai until Wang Xianyao reads what Xia wrote and discusses a formal opinion. Otherwise, it will make the situation very complicated, and let Wang Xianyao handle this kind of thing! )