One morning, in Zhuang Yu's office, sat two judges, both from HN. www.biquge.info It is said that they took more than 40 people to Anwei Village yesterday to find Xiao Yilin, and Xiao Yilin took them to the warehouse of Anyan Automobile City Co., Ltd. and drove away 40 cars stored in SZ. These people are all skilled workers at the HN Automobile Assembly Plant, and they don't use the car keys, they open the car cover, pick up a line to start the car, and drive the car out of the SZ territory. Today, I came to serve the judgment of the HN court to Hubei Financial Services Agency, and to pick up the factory certificate and car keys held in the financial services agency.

After Xu Donghai and Liu Yinggui hurriedly handed over, the people from the court left.

Subsequently, Zhuang Yu called Summer to his office.

When he came to Zhuang Yu's office in the summer, Qin Xianhong, Chen Jiaojiao, Chen Shiqing and Wang Kangkang were already present, and their faces were very solemn. Seeing it in the summer, Zhuang Yu's face was pale, holding a pen in his right hand, as if he was reading the judgment of the HN court as if he was reading an article in school. His hands trembled slightly, as if waiting for someone else's comfort.

At this time, Wang Kang said flatteringly: "What a bandit!"

Later, Zhuang Yu remembered the purpose of calling Xia to the office, handed the court's verdict to Xia, and said, "Take a look and see what responsibility we have to bear." ”

In the summer, he saw the legal documents and listed Hubei Financial Services as the second defendant. I felt that the problem was more serious, so I looked at it very seriously.

Judging from the facts stated in the verdict, the reason why Hubei Financial Services Co., Ltd. is listed as a defendant is that on May 10 this year, Hubei Financial Services Co., Ltd. issued a credit certificate to Hai* Automobile Assembly Factory, which said: "SZ Anyan Automobile City Co., Ltd. has a fixed deposit of 130 million yuan in our company. If Anyan Auto City Co., Ltd. is unable to pay the payment when due, it will be transferred by our company. "The court ordered Anyan Company and Hubei Financial Services Society to pay for the goods or return the commercial vehicle, and to compensate for economic losses.

After reading it in the summer, I feel that there are several key issues worth scrutinizing. So, he said to everyone: "I don't think there is any need for everyone's mood to be too heavy. Our problem lies in the credit certificate, and it is wrong to say that 'when the company is unable to pay for the goods when it is due, our company will transfer the payment', which is a bottomless pit and is wrong. However, the matter was sorted out so quickly, and it was better than Lao Zhu who snowballed a lot of money after tossing this certificate for a few years in the future, and then came to the door. That's one of my opinions. The second view is: Several issues can be judged now: First, the so-called 'expiration', Zhu Chier actually stayed in HN for a month after the credit certificate was issued, and was prosecuted before the three-month period, which should be said to have not expired. Then, before the expiration date, he stayed in HN as his defendant, so it is certain that this case is the interference of external forces. Second, since we are the defendant, we have the right to participate in the court session as a defendant, and we have not been notified in advance? If not, the court has been violating the law from the beginning, and the service and enforcement of this judgment is also illegal. If we are serious, we can request the initiation of the trial supervision procedure. The key is to see if it's necessary. Third, when it comes to the actual interests of our financial service cooperatives, we must make it clear: Lao Zhu has returned these cars, has the creditor's rights and debts between them been paid off? If so, we can breathe a sigh of relief. That's the key. ”

Zhuang Yu listened to Xia's words, and breathed a sigh of relief and said, "Listening to Lao Xia's words, I settled down a little. In this way, call Xiao Gong to come over in the afternoon to see if the payment of the HN automobile assembly plant has been cleared, and we will also count it in a good heart. In addition, I didn't open that credit card. ”

After Zhuang Yu finished speaking, Chen Shiqing also said: "I didn't stamp this seal either." ”

Chen said: "Then we have to track it down and see what is going on." ”

……

The 8 million yuan loan of GZ China Merchants (SZ) Development Co., Ltd., mentioned in the previous chapter, was finally completed after half a month under the full efforts of Mr. Wang, the finance minister sent by GZ Corporation, and Xia Shuwen, the accountant of SZ Company. Ou Zhongzhong handed over the loan contract with the formalities to Summer, and after reading it, Summer said to Ou Zhongzhong with satisfaction: "You have worked hard recently. ”

Ou Zhongzhong said: "There is nothing, learn from Manager Xia, and have long knowledge, you should be." ”

The next thing to do in the summer and Ou Zhongzhong is to organize the corresponding fixed deposit to match the loan out.

However, it is said that the one-year loan of 8 million yuan from GZ China Merchants (SZ) Development Co., Ltd. will be calculated according to the general practice of 70% of the deposit-loan ratio, and nearly 12 million yuan of fixed deposits will be organized for the same period. However, because it is the relationship between the general manager of Zhuang Yu and the customer who came in, if the financial service society can accommodate or can take care of it, it will try its best to take care of it for the convenience of the enterprise, and finally determine that 50% of the loan amount will be loaned out as the surplus position of the financial service society, and the remaining 50% will be introduced by the borrowing enterprise with a deposit-loan ratio of 80% to introduce 5 million yuan of deposits as loan supporting funds. In this regard, Shao Hua, as the legal representative of the borrowing company, fully agreed and repeatedly expressed his gratitude. Then, he gave carte blanche to Xia Shuwen, the company's accountant, and Mr. Wang, the chief teacher sent by the headquarters, to connect with Xia Xia.

Later, Xia Shuwen proposed to Xia that she was not familiar with SZ and that it was difficult for her to organize deposits alone, and asked the financial services agency to introduce depositors to meet and negotiate. In this way, in the summer, they made a phone call and asked Yu Liyan, deputy general manager of SZ Overseas Chinese Company, which is more often engaged in financing business, to meet with them at Hubei Financial Services Agency. During the conversation, Yu Liyan promised to organize a one-year fixed deposit of 5 million yuan with an annual interest rate of 25 percent, but no receipts were issued for the market interest rate, of which 70,000 yuan had to be paid in cash.

Xia Shuwen and Chief Master Wang felt that it was difficult to handle the latter two conditions put forward by Yu Liyan, especially the fact that there was no receipt. So, they pestered the summer to help come up with ideas.

Xia said: "If you want to exchange cash, let's say, I have a company owned by a friend who withdraws cash every day, and the question is how to link it to this deposit business?"

Xia Shuwen said: "Let's ask Mr. Shao, our company would rather pay a little handling fee, let a company issue a receipt, and then, we give a check, so that the two are the best." ”

Xia pondered for a moment and said: "I see that you have also discussed with Mr. Shao, and the funds will be implemented by Mr. Yu, and I will ask a company to come forward as the depositor and then discuss with you as the borrower." What do you think?"

Chief Master Wang replied: "That's the best, let's go back and report to Mr. Shao." ”

Yu Liyan also agreed.

Later, the final decision of this matter was: in the summer, he introduced an enterprise that had been represented by him as a legal representative, SZ Special Zone Instrument Company, to negotiate, and the two parties agreed that the company would issue a receipt on the condition of collecting 1% of the total interest rate difference, and be responsible for collecting and transferring the interest rate difference to the accounts of the relevant rights holders. At the same time, it will solve the problem of withdrawing 70,000 yuan in cash from the interest rate spread raised by the overseas Chinese company.

In actual operation, SZ Special Zone Instrument Company issued receipts totaling 745,900 yuan in exchange for two checks from GZ China Merchants (SZ) Development Co., Ltd., one as a deposit of 4.5 million yuan with a spread of 675,900 yuan directly to SZ Special Zone Instrument Company, and the other as a deposit of 500,000 yuan with a spread of 70,000 yuan to transfer the operation of Jiaxing Electronics Co., Ltd. Both companies have accounts with Hubei Financial Services.

At this point, the one-year loan of 8 million yuan of GZ China Merchants (SZ) Development Co., Ltd. was successfully loaned in installments, and the borrower also paid a total of 3 interest margins of 1.0878 million yuan (one of which was directly transferred to the account of SZ Imperial Trading Company as a small account of Hubei Financial Services Co., Ltd. as a loan of 341,900 yuan as a loan of 4 million yuan). It can also be seen from this interest rate difference that for the same loan of 4 million yuan, the interest rate spread paid for the loan matched by the surplus position of the financial service agency is much lower than the interest rate difference paid by the borrower to organize the deposit and release the account by himself. ）。

These spreads, especially the 70,000 yuan in cash, will become the direct cause of the GZ task force's six SZ cases in the future, and will directly affect the career of the summer -- this is a story for later.