Wang Xianyao saw the background of Chen Jiao's hurried departure, and thought to himself: "This Chen Jiaojiao doesn't know what kind of reputation he is doing, and the pledge deposit certificate that has been filed with the China Construction Bank is the first-level file of the sub-branch, so how can it be said that it is gone if it is gone? First, it is stored in the treasury of the business department as a valuable document, and without the consent of the president and the signing of Tan Feiyan, can this deposit receipt fly out?

The matter that Chen Jiaojiao and Wang Xianyao are in love with is what is described in Chapter 61 of this book: Chen Jiaojiao wants to secretly dismantle it without knowing it or noticing, and then wants to secretly return the 10 million yuan that was hung up on the inter-industry account to be dismantled unknowingly. In the past year, www.biquge.info has been secretly dismantling the business -- no one has expressed any objections, or rather, they have not found out at all. However, if the 10 million yuan is to be secretly returned, it seems impossible now. In this way, the whole thing is enough for Wang Xianyao, Chen Jiao, especially the initiator Chen Jiaojiao, to drink a few pots!

The time has come when Chen Jiao should be nervous to live like a year! Moreover, the 500,000 yuan of securities reserve passbook he received at the beginning was also a dirty mark that could be washed down immediately upon inspection.

Wang Xianyao paced square steps in the office and began to think. After a while, several big business mistakes after he came to work in the Hubei branch surfaced in front of him:

-- At the beginning of August 1995, just a few days after he arrived at the sub-branch, when funds were quite tight, Chen Jiaojiao took out a medium- and long-term loan contract from Shenzhen 38 Co., Ltd., and vigorously encouraged him to make a loan, repay the old loan, and reach a long-term cooperation, so that he could increase the capital by 40 million yuan. As a result, he went to the head office of Gu Dingli to talk about the item, got his verbal support, and gave a new loan of 3.5 million yuan to 38 joint-stock company after returning. Later, a lot of deposits came in, but the loans were stuck at the credit office of the head office. This matter has become a handle for the audit office of the head office to talk about things in the future.

-- On 8 August 1995, Chen Jiao strongly advocated a certain plan and approved a loan of 27 million yuan from Shenzhen Xiongying Industry and Trade Co., Ltd. with a one-year fixed deposit of 40 million yuan as bait. The collateral for the loan was a one-year fixed deposit certificate of $30 million issued by Zhuhai Course Limited from a state-owned bank in South Australia. In less than a year, it was proved that this certificate of deposit belonged to a "real certificate of deposit, a fake deposit", and Zhuhai of course Co., Ltd. did not have a penny into the South Australian state-owned bank. In this way, the 27 million yuan loan is hanging there because of the fraud case, and it has not been untied until now.

-- At the beginning of September 1997, Yin Xin and Chen Jiaojiao, Chen's classmates, facilitated the so-called cooperation between the sub-branch and the Xihu Spring Securities Management Company, also because there was a pledge of deposit receipts, saying that there was no risk. Just like the sensitive business of organizing deposits, it completely avoids the functional departments of the branch, the Planning and Credit Section and the Summer, and is operated by the business department that does not know how to do it. I didn't expect that what would become of the pledge of certificates of deposit in the blink of an eye? Credit loans? No! Treasury bond repurchases? No! Interbank exchanges? Not like! Well, this is not that or that, it can always be said that it is a credit exchange between banks and enterprises. If this news spreads, it may be said that the Hubei branch has opened up the type of banking business!

Wang Xianyao thought of this, and said to himself in his heart: "By the way, these last two orders are things that I don't know in the summer, especially the matter of the West Lake Spring Securities Management Company, which avoided the credit department and had an accident. If it is checked above in the future, and the summer is still in the dark, it will inevitably have a backfire. When the time comes, I won't even have someone to help speak, so I will be even more passive. I still have to breathe with the summer, and with his person, I won't poke it up. ”

Wang Xianyao looked at his watch, it was already time to get off work. So, he packed his briefcase, closed the office door, slowly descended the stairs, started the car, and drove to his residence.

Back in the residential area, I finally climbed to the sixth floor and rang the doorbell. At this time, his wife, who was the director, had already returned home, heard the doorbell, came to open the door, saw the tired face of the president's husband standing at the door, and asked, "What's the matter?"

Wang Xianyao was still out of breath and said: "I am panicked." ”

His wife hurriedly pulled him into the sofa in the living room and sat down, and said with concern: "Don't scare me, you don't have heart disease, and your family has no history of heart disease, ah?"

Wang Xianyao smiled and said, "Hey, you still know me......"

His wife asked, "Is there any trouble again?"

Wang Xianyao was noncommittal.

His wife said: "It's hard for you to be a broken bank, our family doesn't lack that money to spend, and we don't have a rare official, what are we trying to do? Another day, I will go to the Lotus Mountain Fish and Insect Market to get a goldfish tank and come back, and buy a few goldfish at home to raise, so as to improve the quality of life. That's really: the water in the Modao fish tank is shallow, and it is better to watch the fish than to be the governor! I don't know how happy it is to watch them swim around every day. How good it should be to be pleasant and nourishing!"

Wang Xianyao listened and sighed helplessly.

After going to work the next morning, in the summer, because of the problems arising from the Luohu Court's judgment on the Yijin Company case, he asked President Wang Xianyao for instructions on his work. As soon as he entered the door, he saw that his president had a blue face and blank eyes, and knew that he had something on his mind, and he was going to leave as soon as he finished his work.

When Xia said that lawyer Yang Yang and others from the head office were invited by the Luohu Court to discuss the aftermath of the verdict in the case, Wang Xianyao interrupted Xia's speech and said: "This matter is subject to the opinion of the head office, and we will do so." ”

Summer listened and said, "Okay. ”

Wang Xianyao then whispered: "Lao Xia, there is one thing you can help you judge. ”

Summer asked, "What's the matter?"

Wang Xianyao said slowly: "Last year, President Chen and the sales department engaged in a loan business of deposit certificate pledge, which was contacted by his classmate Yin Xin and dismantled to the West Lake Spring Securities Management Company where Yin Xin was the chief financial officer. I don't know how to do it, a few days ago, Zhang Hai from the sales department took back the deposit receipt that was originally pledged in our bank to the company, saying that he wanted to go through the transfer procedures. When I went to get it again yesterday, I couldn't get it back, saying that I had repaid the company's due loan in CCB. ”

Summer asked, "At that time, did the pledge procedures on our side be completed?"

Wang Xianyao said: "It should be done." This matter was followed up by President Chen. ”

Xia said: "If the formalities are completed, we and CCB will have to fight this lawsuit." The problem is that the pledge procedures have been completed, which means that the account number and prefix of the deposit receipt are clearly stated in the pledge statement, and when the money we have taken out has not been returned, there is no need to take out the deposit receipt and transfer it to the renewal procedures or anything. Because once it is transferred, it becomes a new account number and prefix, and the old staking relationship has no real meaning. Didn't Governor Chen say anything about that?"

After Wang Xianyao heard this, he turned into contemplation, as if talking to himself, and muttered: "I don't know how they did it." ”

Xia secretly wondered: "Are they referred to by President Wang, Chen Jiao, Tan Feiyan, and Zhang Hai, or are they referring to Chen Jiao, Tan Feiyan, or just Chen Jiao? It seems that only President Wang himself knows." Whether this illegal operation was done or not is still unknown. They always had their ideas in mind when they wanted to avoid me and the planned credit department. ”

Thinking of this, Xia said: "I'll deal with the head office and the Luohu Court first, what do you want me to help with in this matter, you just say." With that, he left the president's office.

When he returned to his office in the summer, on the one hand, he was thinking about the motives and reasons why President Wang told him about this, and on the other hand, he was also weighing the consequences of this matter: the so-called 10 million yuan of spin-off business completely avoided the planning and credit department as a functional department, and did not report to the head office. Not only did we not participate in it, but even the data files were kept by Chen Jiao himself. In the accounting and planning statements, it is even more secretive to cover up its business in the "inter-industry transactions", such as this kind of business that is very afraid of others to know, once something goes wrong, it is difficult to get the understanding of others. The reason why banks have become public enterprises with outstanding reputations and are praised by people as "iron accounts", "iron funds", and "iron abacus" lies in the irreversibility of their monitoring methods, and both the president and the authorized signatories must be subject to the constraints and supervision of a third party. Only in this way can the bank achieve the foundation of a century-old store.

"On the contrary," Xia recalled, "in the sensitive business that Chen was engaged in, he always operated on his own in the form of a single-handed, solitary form, but fortunately, after the establishment of the Citizen Bank, the loan was controlled, and he did not have much room to play, if he had been able to exert his strength in the loan and lending business during the time of the financial services cooperative, it can be asserted that he would have written his memoirs in the detention center or in prison." ”

At this time, several interesting things came into view of summer:

-- In the early days of the establishment of the Citizens Bank, Chen Jiaojiao gradually received Wang Xianyao's support, and after discussing and working together, he seemed to have gained a firm foothold. A friend of his, named Luo Lin, began to come to him repeatedly, and after going back and forth, Chen finally took a set of loan materials to Summer, asking Summer to make a guaranteed loan of 1 million yuan to "Shenzhen Yinhong Industrial Co., Ltd.", where Rowling was the legal representative. Later, the loan officer reluctantly made a submission to Vice President Chen's client agreeing to the loan and released the loan.

-- Later, Chen Jiao, who had tasted the sweetness, became more and more fond of the wonders of sensitive posts, and saw that Wang Xianyao was very afraid of issuing new loans, and that he had to sign and add opinions on every loan, which he did not originally had the right to approve and approve the loans, so he began to contact the customers who were planning to apply for loans. You see, Maoru Department Store has just established a relationship with Hubei Branch for less than two months, that is, Hubei Branch has only received more than 4 million yuan for door-to-door collection, and the assistant general manager of the company has asked the bank to give the company a loan of 20 million yuan. After a separate conversation at the branch, Vice President Chen took a big briefcase and went to the department store alone for a day to talk, and only returned to the bank in the afternoon when he got off work. The next day, I asked the summer to arrange a loan officer to follow up and make loan materials. Later, the loan was also made as scheduled.

-- When Zhu Chi'er gave two huge interest rate differential funds of 8 million yuan in two stages, Chen Jiaojiao showed the monk's feeling of "I don't go to hell, who will go to hell", and operated the expenditure of interest rate differential funds alone. Fortunately, until now, no big right or wrong has been heard. Otherwise, this matter will be enough for him to drink a pot.

――And the current loan business that is not a donkey or a horse, I don't know about it at all in the summer, and of course there is no interesting plot to recall. However, for the parties concerned, there may be a bitter aftertaste, even if it will not be unlucky because of this incident, it will also add the artistic conception of "shaving the head".

-- Another interesting fact: Not long ago, when Xia Xia showed Wang Xianyao the written introduction to Chen Jiao's entry into the party, Xia watched President Wang read it, and then asked President Wang's opinion: "What is the best wording to use to express his honest government?" Wang Xianyao smiled and said with a smile with the usual tactfulness of a mature political trial cadre: "It should be: 'I have not found any economic problems. 'Okay?'" After speaking, he glanced at Summer, and the two of them immediately laughed heartily.

After this scene flashed in front of Summer's eyes, Summer thought: "I don't want to see anything happen to President Chen, although his problems are also obvious." You think, as one of the introducers, a probationary party member, I was arrested during the probationary period, not to mention anything else, even to the introducer is also a sarcasm. (To be continued.) )