In the Hubei Financial Services Society, Zhuang Yu and Chen Shiqing came to Qin Xianhong's office. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 After the three of them chatted for a while, Qin Xianhong came to the credit manager's office, knocked on the door, and said, "Manager Xia, come out for a while." ”

When he walked out of the door in the summer, Qin Xianhong said, "Mr. Zhuang asked you to discuss something together." ”

So, Summer followed Qin Xianhong to his office.

"Mr. Zhuang, hello. "Say hello to summer and sit down.

Zhuang Yu said: "Lao Xia, you have helped the service club a lot recently, and you have worked hard!"

Summer said politely, "It should be done." ”

Zhuang Yu said: "Now that the affairs of the People's Bank of China are almost done, other work cannot be pulled down. Yesterday, I heard that he was in charge of us, and to see if he had time, I asked him to come over in the afternoon to discuss something, but in fact there was nothing important, it was just to hold an activity, and I wanted to invite comrades from the tax bureau to participate. Can you get in touch?"

"Okay. Summer promised.

After a while, Zhuang Yu asked again: "What do you think about the People's Bank of China sending a vice president?"

Summer was silent for a moment and said, "From the perspective of coordination, it is more difficult, and it is not the best choice, but from the perspective of the financial services agency, it may be good news......

Zhuang Yusheng blushed, interrupted Xia's speech, and said dissatisfiedly: "I see that you also said that the speech of the board of directors was good, and the People's Bank of China also said that it had a positive effect on auditing, and now it is good news that the vice president is also coming." Are you a little too optimistic?"

Seeing that Zhuang Yu was in a hurry, Xia hurriedly said, "Mr. Zhuang, you listen to me." I can tell you a life story that happened to me, and you can understand my thoughts: when I came out of the gate of the Provincial People's Bank, I was young and confident, and I went to the county bank to engage in credit, and I was really not afraid of the sky and the earth, and I dared to work against the heroes of the famous Tashan Heroes Regiment in the Liberation War, and the lawsuit of whether to loan or not to loan to the Provincial People's Bank was finally proved to be right. However, he won the lawsuit, but suffered a loss in the officialdom. Since then, he has walked crookedly in officialdom and has not become unorthodox. ”

After Summer finished speaking, she saw that they were all listening. So, he continued: "Now, let's talk about the board meeting that day, if everyone is very serious and asks a lot, it means that I hope this management team will continue to work. If they don't say it and unite against you behind your back, something will go wrong. So, it was natural that some shareholders said a little bit fiercely that day, and I said it was good-nature. When it comes to the issue of the deputy general manager of the People's Bank of China, I see it this way: On the one hand, it seems that the People's Bank of China has sent people to monitor you and make you feel uncomfortable. However, the welfare of this vice president is here, and everyone has a common interest. If it is used well, or if it is used properly, many things can be called for him to coordinate with the People's Bank of China. On the other hand, to say that this is good news is from this point of view: The fact that the People's Bank of China immediately sent someone shows that the People's Bank of China does not want us to suspend business for long at all, and it is estimated that we will soon be able to conduct normal business. Shouldn't we be happy about that?"

After Xia finished speaking, he saw Chen Shiqing nodding.

Qin Xianhong said happily: "I didn't expect that Manager Xia was more complicated than us, and he could see it more thoroughly. I think it makes sense. ”

Zhuang Yu said with relief: "This can only be the case." Then he said to Summer: "Don't forget about the afternoon." ”

"Okay," said Summer, "if it's okay, I'm gone." ”

……

In the afternoon, Huang Guanghui, an old colleague who used to work in the head office of the special zone in the summer and was later transferred to the Luohu Taxation Bureau, came to Hubei Financial Services Co., Ltd. in the summer, and took him to Zhuang Yu's office in the summer to discuss the service cooperative's preparation for a prize gala, and asked the tax department to ask anyone willing to participate in it, and asked Huang Guanghui to go back to do the work, and Huang Guanghui said that it was acceptable.

In the evening, Xia had a dinner with Huang Guanghui, Zhuang Yu and others.

At four o'clock in the afternoon of July 12, 1994, the People's Bank of Shenzhen Special Administrative Region sent Director Wu Qing and all the members of the audit team headed by Jin Jinyin, as well as Chen Jiao, who planned to come to Shenzhen Hubei Financial Services Co., Ltd. as deputy general manager, to Hubei Financial Services Co., Ltd.

Zhuang Yu, Qin Xianhong and other cadres of the financial service agency were very busy. Everyone sat down at the loan officer's office.

Wu Qing announced the notice of the People's Bank of China: First, in order to strengthen the management of the Hubei Financial Service Society, the People's Bank of China, after coordinating with the board of directors of the Hubei Financial Service Society, appointed Chen Jiao as the deputy general manager of the Hubei Financial Service Society. The second is to serve the "Confirmation of Audit Issues".

Then, Jin Jin and Yin read the full text of the "Confirmation of Audit Problems" written by himself.

Zhuang Yu, Qin Xianhong, and middle-level cadres of Hubei Financial Services Society listened to the voice of the People's Bank of China.

Later, Zhuang Yu said on behalf of Hubei Financial Services Society: "We sincerely accept the criticism of the People's Bank of China, and I also welcome the People's Bank of China to send the deputy general manager to work in our company. We will report to the People's Bank of China after digesting the audit opinions just now. Overall, I would like to express my deep gratitude to the audit team for their hard work in the past month and for their help. In order to show our sincerity, tonight, we will prepare a little water and wine to entertain everyone at the Universal Hotel. ”

After Zhuang Yu finished speaking, the newcomer Chen Jiao moved the chair he was sitting on to be closer to the conference table, and then said: "At today's meeting, I am new to Hubei Financial Services Co., Ltd., and I also make a statement. Coming here, I am mentally prepared to work with you, endure hardships together, and start a business together. As a young man, I can also endure hardships and be able to endure hardships. I hope you will accept me. ”

People look at this Chen homework, who is twenty-six or seven years old, with a short figure of five and a height of about one meter six. Because of his small size, he habitually moved his chair to appear a little taller. If you look at his slightly rough face, people will imagine that when he was a child, his family life was difficult and malnourished, and he was like a small sapling that had not grown. He had two deep, smaller eyes and a pair of nearsighted glasses. If people look at his glasses to judge the type of his eyes, they are roughly like snake eyes, a bit like sleeping but not sleeping, and wolf venom guards. However, when he put on his glasses, when people looked at him, there was always a deep, unfathomable light in his eyes, and he felt that his age and sophistication were not suitable for his age. There is reason to believe that in time he will become a scheming master.

After Chen finished speaking, Zhuang Yu said: "Well, from tomorrow onwards, we will be comrades-in-arms in the trench! I hope we will work together to build the Hubei Service Society into a first-class financial service cooperative." ”

After the meeting, the participants were organized by Hubei Financial Services Society, divided into several batches, and sent to Huanyu Hotel. That night, Hubei Financial Services Co., Ltd. chartered four dining rooms, because the office was prepared in advance, therefore, as soon as the guest of honor arrived, everyone sat around the table of eight immortals, and immediately started to eat with their hands and mouths, and the atmosphere was very harmonious. The credit managers naturally shared a room with Section Chief Shen, Li Hui and others. Section Chief Shen didn't drink much, but Li Hui could say that he showed the demeanor of a northern man, drinking beer endlessly, and he was not drunk at all. Moreover, Li Hui regarded Summer as his main opponent, which made Summer miserable.

It's not that you can't drink it in the summer. The situation in the summer is that it is precisely because he can drink that he can't.

We have to go a little further. It is said that in the summer, I have been working in key positions in the bank for a long time, and often go to the enterprise to investigate and inspect loan projects, so I will inevitably become a guest of corporate hospitality. Summer's personality traits are easy to grasp, so they are often the main drinking objects.

For example, he has a problem of not admitting defeat, and someone deliberately provokes him: "Section Chief Xia, you just say that you are drunk, admit defeat, and I will let you go!"

Whenever he heard this sentence in the summer, he often poured the wine in the cup into his stomach before he finished speaking.

Also, if someone says at the wine table, "I stick a knife in my friend's ribs, and drinking would rather hurt my body than hurt my feelings." In this way, I have a cup, you have half a cup, dry!"

When I hear such words in the summer, I will definitely not unload the donkey and push it six two five. He must have poured the wine to his feet and finished it together.

Over time, Summer's body was almost tormented by the contents of this cup. A year before I came to Shenzhen, I had no choice but to have a gastrectomy, and when I was transferred to Shenzhen, I was still in the recovery period, and I worked in the financial service agency for several months, and I never dared to drink too much beer.

Xia knew that he had a personal relationship with Li Hui, that is, he owed Li Hui a favor. Therefore, Li Hui toasted vigorously and didn't dare not do it, so he stayed up until more than eleven o'clock in the evening, Zhuang Yu, Huang Jinyin and other leaders began to leave the field and go home, but a group of young people did not have the slightest intention of letting go.

Summer thought to herself: This is over, I don't know what will happen to my body tomorrow? Thinking about it, Summer is ready to go to the bathroom to relieve herself. So, with seven points of drunkenness, he touched the wall, came to the balcony of the hotel, and walked to the bathroom to relieve his hands. With this relief, the problem was solved, and people became relaxed. Summer remembered what the old Chinese medicine doctor said: "If it is general, it will not hurt, but if it hurts, it will not work." "I immediately realized a truth: when you drink until you can get rid of it, it is difficult to get drunk. Whether this principle can be called "drunk is not comprehensible, and general is not drunk" should be summarized by future generations. It is no wonder that many people who can drink alcohol always like to drink soup, so that they sweat profusely, and the more they drink, the more energetic they are, but they can't get drunk.

When I came back from the bathroom in the summer, I was like a different person, and I was as proud as Li Hui to start a beer, but I had to go to the bathroom every once in a while. So much so that Xu Donghai and Bu must not know Summer as if they had lost their glasses - it turned out that he drank so much, it was really "a thousand glasses and thousands of glasses will never get drunk".

The young men drank until three o'clock in the evening, when they left the Universal Hotel.

Li Hui, the opponent in this drinking, made an appointment with Xia alone shortly after the end of the audit, asking Xia Xia to do him "a favor", and Xia readily agreed. Later, when the Citizens Bank was established, he was transferred to the preparatory group of the Citizens Bank, and later served as the head of the Planning Division and a member of the Party Committee and Discipline Inspection Committee of the Citizens Bank. In his business dealings with Summer, he takes a lot of photos about Summer. -- That's a later story.

The next morning, Zhuang Yu called the members of the management team to the office and also notified Xia to participate. The main purpose is to discuss and reply to the audit opinions of the People's Bank of China.

At the end of the day, Zhuang Yu, like the last few times, also asked Xia to write a written opinion. When I returned to my office in the summer, I wrote:

Explanation of the confirmation of the "Confirmation of Audit Issues".

Audit Group of the Municipal People's Bank:

On July 12, our company received the "Confirmation of Audit Issues" from the audit team.

First of all, our company would like to express our sincere gratitude to the audit team for its hard work in promoting our company to actively eliminate credit risks and operational risks and improve various management work during the audit period! Our company checked the questions raised in the "Confirmation of Audit Issues" one by one. The relevant issues are confirmed and explained as follows.

1. On the issue of "false capital".

The share capital of 18 million yuan of the six shareholders of our company will be fully received before April 28, the official trial operation. According to the "Confirmation of Audit Issues", "on February 1, 1994, your company transferred 3 million yuan from your deposit account in a professional bank to the account of Kishio Economic Development Company that opened an account with Futian Service Cooperative, and then Kishio Company issued a check of 3 million yuan and transferred it to your company as the capital for investment. "It's true. At that time, after receiving a promise from Kishio Company to ensure that the capital would be fully sufficient before the opening of the business, we temporarily advanced the money in order to facilitate the accounting. Afterwards, on February 17, after only half a month, the Kishio Company paid 2 million yuan back to our company through Shenzhen Haodang Company, and on April 27, before the trial operation, it transferred the balance back to our company. Therefore, the share capital of 18 million yuan of our company is still substantial.

2. On the issue of deposits.

The problems identified in the "Confirmation of Audit Issues" are basically true. However, after checking case by case, "Shenzhen Ningduosi Co., Ltd." is a private enterprise, and the 4 million yuan fixed deposit deposited by it should not be an illegal deposit.

3. On the issue of loans.

1. It is true that 9 loans of 35.7 million yuan were issued to 7 households beyond the scope.

2. A total of 5 households violated the stipulation that the loan to a single collective legal person shall not exceed 30% of the total share capital of the service cooperative, with an amount of 239.5 million yuan and a balance of 159.5 million yuan, which is true.

What we need to explain is: on the other side of the tail company issued 169 million yuan (balance of 89 million yuan) to Anyan Automobile City Co., Ltd. 46.5 million yuan, our main consideration at that time was: the automobile city project operated by these two companies was one of the four major projects in Bao'an that was supported by the relevant departments of the municipal government. Moreover, we also believe that the service agency should form its own backbone customer base in the early stage of entrepreneurship. At the same time, he was interested in the sales of automobiles, color TVs, air conditioners and other commodities formed by the company's preparation and operation. Subjectively, we believe that this company can bring a considerable amount of demand deposit settlement to our company. In this case, after participating in the project demonstration meeting, our company actively followed up and released a large number of loans, which constituted a potential credit risk. The lesson is profound.

3. It is true that the loan to shareholders exceeds 414% of the total capital of the company.

4. Regarding the notarization and non-registration of six mortgage loans.

During the inspection of our company, our company attaches great importance to and concentrates on actively eliminating credit risks and completing mortgage registration procedures. Among them: (1) the real estate mortgage registration of five loans of 46.5 million yuan in Anyan Automobile City, our company has repeatedly sent people to the Bao'an Land Bureau to assist in mobilizing the village's real estate files, and the real estate information has been entered into the computer management system by the Bao'an Land Bureau on an emergency basis, and the real estate mortgage registration procedures have been completed on July 5. (2) A loan of 8 million yuan from 38 Joint Stock Company was also completed on July 9 at the Nanshan Land and Resources Bureau. So far, the six loans that were not registered at that time have all been secured during the inspection period.

5. On the issue of "false collateral".

Kishio's loan of 89 million yuan was originally intended to be collateralized by the land use rights of the company's projects under construction. On the one hand, our agency actively contacted the leaders of the Bao'an Land Bureau, and asked the person in charge of the bureau to go to Anwei Village on July 8 for on-site investigation and research, and received strong support from the Bureau, and the first work of 150,000 square meters of land is being actively handled. At the same time, in consideration of the active elimination of credit risks, our company instructed Kishio to take practical and effective measures to improve the relevant procedures. At present, the following have been implemented: (1) The loan of 10 million yuan pledged by the enterprise's 10 million yuan fixed deposit certificate has been completed. (2) Kishio Company used 78 commercial cars worth 20 million yuan and mortgaged 20 million yuan for loans. The company has issued a mortgage commitment and contract, and at the same time, the certificates and car keys of 78 cars have been secured by our society. (3) The risk of the remaining 59 million yuan loan has been guaranteed by Kishio Company, a comprehensive management company with total assets of 220 million yuan, net assets of 140 million yuan, and a credit rating of AAA, which was completed on July 11. At the same time, our company plans to turn the company's loan of 89 million yuan into a guarantee and mortgage loan after the land use right certificate is completed by the Kishio company. (4) Kishio has set up an early repayment plan, which is planned to be implemented from August. We will take resolute steps to repay the entire loan of the company ahead of schedule.

6. Two equity mortgage loans of 5 million yuan are true.

7. During the inspection period, our company has carried out a post-loan follow-up inspection on the loan, began to implement standardized management of the data files, improved the information of the loan enterprises, and rectified the existing problems.

Fourth, the eight questions on accounting are all true.

We will sum up the lessons and take practical and effective measures to prevent the occurrence of similar problems.

In general, the inspection of the audit team of the People's Bank of China has helped our company to discover the problems of the trial operation for two months, plugged many potential loopholes, put forward a lot of pertinent opinions for us, and promoted us to improve our consciousness of strengthening risk management and standardizing operation. Our company welcomes and actively assists in the inspection of the People's Bank of China in terms of guiding ideology and practical action, and immediately takes measures to correct and rectify problems when problems are found. Therefore, this inspection by the audit team will undoubtedly play a positive role in the healthy development of all work of our company. We implore the leaders of the People's Bank of China to give us an opportunity to rectify ourselves, improve and correct our mistakes. In the future, our company will ensure that we will abide by rules and regulations, earnestly abide by the regulations of the People's Bank of China on service cooperatives, consciously accept the leadership and supervision of the People's Bank of China, and do a good job in all aspects of our work, so that the People's Bank of China will be satisfied and customers can rest assured.

Shenzhen Hubei Financial Services Society

July 13, 1994

On July 14, 1994, in the conference room of Hubei Financial Services Society, personnel above the department manager sat around the oval conference table, preparing for a meeting. Zhuang Yu's secretary Wang Hua walked to the front of the stage from behind the scenes this time, holding a meeting notebook and sitting in the front.

Zhuang Yu said: "I invite you to a meeting today, there are two topics, the first is the reply to the People's Bank of China written by Manager Xia yesterday, wait a minute, read it by Xia, everyone listen carefully, see if there is anything inappropriate, and then form an official document to report to the People's Bank of China." The second topic was raised by a comrade, and everyone has worked hard in the past month, and their morale has also been a little low, and they asked us to hold an activity to enliven the atmosphere and raise morale. I think this advice is good. But what kind of activities are going to be held? Who are going to be invited? Where are they going to be organized? The office and Wang Hua will see how to plan it. Now, let Manager Xia read the reply to the People's Bank of China. ”

Summer took out the manuscript and read: "About the Confirmation of Audit Questions......

After reading it in the summer, Qin Xianhong said: "I think it's okay." ”

Chen Shiqing also said: "I can explain the problem, I agree." ”

Zhuang Yu said, "Do you have anything to add?" and then looked at everyone in the meeting and said, "I also agree." Now hand it over to Han Xiaoniu to print, and after typing out the proof, I still ask Manager Xia to work hard, proofread it, and then print it out. Send it to the People's Bank tomorrow. ”

Summer immediately left her seat and handed over the manuscript to Han Xiaoniu to print.

"Is the second topic called Wang Hua or Wang Kang Kang?" Qin Xianhong asked.

Zhuang Yu said, "Director Wang, tell me about it." ”

Wang Kangying said: "We want to have a party, this party has singing, dancing, guessing mysteries, lottery, in short, the participants have prizes to take home, and there are even more winners." It is also prepared to invite representatives of some relevant units, such as the People's Bank of China, the Taxation Bureau, shareholders, and large depositors, to attend the event and expand its influence. We now have ideas and prepared gifts, but the venue has not yet been finalized. ”

Qin Xianhong said: "Let's see if the credit department has anything to do with it, can you get a venue?"

Wang Hua said: "I heard Li Chaoyang say that on the opposite side of our street, his fellow villagers are not decorating a Jade Phoenix Golden Dragon Restaurant, can you call Li Chaoyang to contact him?"

Wang Kang said: "What about the jade phoenix and golden dragon, I walked there for a walk last night, and the lights were blind, and I don't know if this restaurant will succeed!"

At this time, Chen Shiqing said with a smile: "It's because I don't know if I can do it, otherwise, I really want to ask Director Wang, your golden dragon and Wang Hua's jade phoenix to go to the dragon flying phoenix dance!"

Chen Shiqing linked Wang Kangkang, who was in his sixties, with Wang Hua, who was in his twenties and quite attractive, which caused a burst of laughter.

Zhuang Yu said after laughing: "Far water doesn't quench your thirst, now you have to be realistic." ”

Xia said: "I'll say one, let's see how it is: the Jiepeng company introduced by Chairman Yang last time built a Kunguicheng, I went to take a look, the area is not small, and it is close to us, can you go there to do activities?"

"Where?" asked Wang Kang.

"Dongmen South Road. Summer said.

"Okay, you can contact him now. Qin Xianhong said.

As a result of the contact, Yang Mingwen of Jiepeng Company was very happy to help with this, and the time was set for tomorrow night. At that time, the entire Kunguicheng will cope with the activities of Hubei Financial Services Co., Ltd. and will not be open to the public.