In the office, in the summer, he was analyzing the relevant information on the capital transactions of Shenzhen 38 Co., Ltd. sent by Wu Dongmei of the sales department. Pen ~ fun ~ Pavilion www.biquge.info summer after analysis: the situation is better than imagined. There are 5 million yuan, 3 million yuan, large numbers, and whole numbers allocated to the construction partner, as for how this money is linked to the cooperative construction of the house in the legal relationship, it is difficult to say. On the other hand, in the Spring Festival of 1995, when Chen Shanwei's company's funds were at its tightest, the 200,000 yuan he borrowed from Xia himself was also reflected in the statement, and it was really assigned to another project of their company - Longhua construction site. This can illustrate two points: one is not afraid that he will not be able to speak clearly at that time, nor is he afraid that people, including Chen Shanwei, will regret it in the future or even beat him up; and second, Shenzhen 38 Co., Ltd. is indeed related to this construction site.

After reading the information, the scene when Chen Shanwei borrowed 200,000 yuan from him was shown in front of him again:

It was before the Spring Festival in 1995, when Hubei Financial Services Society was facing financial difficulties, but at this time, Chen Shanwei brought 20 million yuan of bills of exchange to be deposited for a fixed period, which would greatly alleviate the financial pressure of Hubei Financial Services Society. When General Manager Zhuang Yu saw Chen Shanwei, his eyes narrowed into a line with joy, and he readily agreed to the company's request for an increase of 5.4 million yuan in new loans.

Coming out of Zhuang Yu's office, Chen Shanwei put forward a request to the summer: because the company is preparing to start the Spring Festival holiday tomorrow at the Longhua villa construction site under construction, the wages of the workers who urgently need to be paid that day are still 200,000 yuan, please help this in the summer anyway.

Seeing Chen Shanwei's recent performance, he also felt that he was like a person who did business, so without saying a word, he took out his passbook from the drawer, came to the business hall with Chen Shanwei, and transferred 200,000 yuan from his passbook to the account of Shenzhen 38 Co., Ltd.

Then, Chen Shanwei wrote an IOU stamped with the company's official seal for Li Wenfeng, who was still going through the fixed deposit procedures in the business hall, and Chen Shanwei personally signed it and handed it to himself for safekeeping.

Subsequently, they remitted the 200,000 yuan to the account of the collaborator of the Longhua construction site.

Later, although the 200,000 yuan was repaid many times, Chen Shanwei found a reason to "borrow Jingzhou for a long time" in the name of the company. And he saw that Chen Shanwei could help at critical moments, so he relaxed his vigilance a little. Unexpectedly, now that Chen Shan has slipped away, this money has become a rare tuition fee in his life experience.

Now, the bank account records that lent this money and the IOU in his hand have become evidence that he can clear up the lack of advantage between himself and Chen Shanwei. This is also a great luck in misfortune, but I didn't expect it at the beginning. "Summer said to herself.

In the summer, she took the information to the confidential room and asked Han Xiaoniu to make two copies. In this way, one copy of the three materials was kept for himself in the summer, and the remaining two copies were given to Wang Xianyao and Chen for homework.

When giving the information to Chen Homework in the summer, Chen Homework said: "Call a lawyer to analyze it another day to see if it can be investigated as a fraud case." ”

In the summer, in order to deal with the complicated situation that may occur, in the statement provided by Wu Dongmei, ten transfers of more than 500,000 yuan were listed for a total of 13.96 million yuan. Because I feel that in addition to the project in Shenzhen, Shenzhen 38 Co., Ltd. may have another project in Henan Province, and now we have to find their connection points to explain the problem.

After dealing with these things in the summer, she thought in the office: "You have to take the initiative to figure things out, and you have to know the situation clearly." However, you can't do it with great fanfare, because you are one of the loan handlers who are still in office, and you must prevent people from taking advantage of this matter to make a fuss and trap themselves. To see one step, one step to take. ”

At this time, Shu Guangrong came to the office and said to Xia: "Ao Xue, the boss of Asia (Shenzhen) Plastics Industry and Trade Co., Ltd., can't be contacted, and his secretary says: 'Mr. Ao has gone to North J. ’”

Summer asked, "How can Aoxue have a secretary?"

Shu Guangrong said: "It's the front desk lady who answers the phone in their company office." ”

Summer said: "Whether Aoxue is on the North J or not, I can know accurately and clearly with a phone call." ”

After speaking, he checked the address book, dialed the landline of Asia (Shenzhen) Plastics Industry and Trade Co., Ltd., and the lady who answered the phone said: "Hello! I am Asia (Shenzhen) Plastics Industry and Trade Co., Ltd., who are you looking for?"

Xia asked in the tone of an official, "Is Comrade Aoxue here?"

The young lady asked politely, "Where did you find him?"

Summer said calmly: "I'm from the city government office, and I'm looking for him for something." ”

When the young lady heard the call from the city government, she immediately said, "Please wait a minute, I will go and tell Mr. Ao immediately." ”

Summer said, "Okay. ”

Summer could clearly hear the young lady's hurried footsteps from the receiver of the phone, and then she excitedly told Ao Xue: "Mr. Ao, the city government has finally called!"

Ao Xue was also very happy when she heard this, and said, "I said it! There should be an echo." Then came the footsteps of walking in three steps and two steps to the front desk and the click of picking up the phone. Then, he said, "Hey, hello! I'm Aoxue, who are you?"

Xia said: "Mr. Ao, hello wow! What, are you in a hurry to wait for the government's approval?"

"Yes!" Ao Xue said, "Which leader are you, forgive me for being clumsy, I haven't heard it yet!"

Summer smiled and said: "My subordinates told me that they were looking for you, but they were always blocked by your subordinates, and I said: Proud is not this kind of person. Hey, do you hear me now? I'm summer, do you still have an impression?"

Ao Xue came back to her senses and said with a little disappointment: "Hello, hello! Manager Xia, what are your instructions?"

Xia said: "What I want to say is: I know that you are currently in difficulty, and your company does not borrow much money, so it does not have much impact on our bank, but the relationship between friends still needs to be talked about, and there should be contact." How about doing my subordinate a favor and paying off your company's interest?"

"Okay, okay, I'll report to you in person in the afternoon. Aoxue said.

After making the call, Shu Guangrong said complimentingly: "Manager Xia still has a way and has many ideas." ”

Summer said with a smile: "Actually, this is called knowing oneself and knowing one's opponent, and having a great grasp." My approach is based on my knowledge of Aoxue, which is why I have repeatedly emphasized that loan officers should go down to the business. Look at this Ao Xue, he has experienced great joys and sorrows in his life, he studied at Peking University when he was young, and during the Cultural Revolution, he was the head of the famous rebels in North J, and he was a registered 'three kinds of people', and he entered Qincheng Prison in the later stage of the Cultural Revolution. After being released from prison, there was no way to stay in North J, so I came to Shenzhen and started the company with great difficulty. Later, I aimed at a piece of temporary government land, that is, Donggualing, and built a simple dormitory for migrant workers, which was cheap and very popular with migrant workers, and the career finally improved. Therefore, this kind of person is like the children born in the so-called 'land, rich, anti, bad, and right' families in the rural areas in the past, and they are born with an inferiority complex, and they have lost the motivation to cheat, deceive, abduct, and cheat in society, and they are generally relatively low-key. If it weren't what I expected, he would have brought money with him in the afternoon to settle his company's debts. This is one. Second, he is now approaching the city government to extend the temporary use of his land. If he can postpone it for one more year, he will have one more year of profit. So I called in the name of the municipal government office, and as long as he was in Shenzhen, he would definitely answer the call. ”

Shu Guangrong said: "I see, but there are some situations, I still hear you talk about it for the first time, no wonder I have stubble." ”

Summer said, "He will come in the afternoon, and if I am not in the line, you can receive him." ”

Shu Guangrong should admit to leaving the office in the summer.

Wang Xianyao and Xia are going to South AO tomorrow.

In the president's office, Wang Xianyao said to Xia: "You go to the finance office to withdraw 10,000 yuan of reserve funds. ”

Summer asked, "Is 10,000 yuan enough?"

Wang Xianyao said: "I've seen enough. In addition, you should pay attention: Originally, there were only two of us who went to Nanao, and considering that we couldn't understand Teochew dialect, we called Li Chaoyang. For some things, don't spread too much on the surface, and grasp the proportion. ”

Summer said, "Okay, I'll take care of it." After Xia finished speaking, he thought in his heart: "This is the shrewdness of President Wang, and he has a back hand for everything." But it's no wonder that this is the loan he approved when he first came to the Hubei branch!"

Interestingly, at the beginning, Wang Xianyao, who did not know much about financial business, was sent by the head office to Hubei Financial Services Co., Ltd., which is now the Hubei sub-branch to replace Zhuang Yu. One is 3.5 million yuan from Shenzhen 38 Co., Ltd., and the other is 27 million yuan from Shenzhen Eagle Industry and Trade Company. At that time, these two loans financed a one-year deposit of 73 million yuan for the Hubei Branch, which was regarded as a solution to a temporary urgent need. Unexpectedly, less than a year later, it was found that there were problems with both loans, and since then it has been involved in official wrongdoing. This is indeed a big blow to Wang Xianyao, and he has a heavy psychological burden on his back.

Anyway, when he returned to his office in the summer, he worked out the relevant materials about the South AO. One of them is a mediation letter from the Shenzhen Intermediate People's Court, which reads:

Shenzhen Intermediate People's Court of Guangzhou Province

Civil mediation letter

(1996) Shen Zhong Fa Jing Chu Zi No. 1494

Plaintiff: Hubei Branch of Citizens Bank. Address: Hubei Road, Luohu, Shenzhen.

Person in charge: Wang Xianyao, President.

Entrusted agent: Hao Wenting, legal counsel of Hubei Branch of Citizens Bank.

Defendant: Shenzhen Xiongying Industry and Trade Co., Ltd. Address: Shoujing Road, Yijing Garden, Shenzhen.

Legal representative: Li Yihua, general manager.

Defendant: Zhu HAI Industries Co., Ltd. Address: 8th Floor, Zhuhai Nanyou Center.

Legal representative: Wang Feng, general manager.

Entrusted agent: Xue Yitao, assistant to the general manager of Zhu HAI Industrial Co., Ltd.

In the above-mentioned cases of the plaintiff suing the defendant over a dispute over a loan contract, this court accepted the case and tried the case in accordance with the law. The trial has now been concluded.

This court ascertained that on August 7, 1995, the plaintiff signed a mortgage contract with Shenzhen Xiongying Industry and Trade Co., Ltd. (hereinafter referred to as "Xiongying Company") and Zhuhai Temporary Industrial Co., Ltd. (hereinafter referred to as "Ex officio Company"). The contract stipulated that the plaintiff would borrow RMB 27 million to Xiongying Company to purchase electronic accessories, with a term from August 7, 1995 to August 7, 1996, with a monthly interest rate of 13.266‰, and the interest rate adjusted by the state, and it was also agreed that the ex officio company would use the fixed deposit certificate in its name of RMB 30 million as collateral for the above-mentioned loan of Xiongying Company. After the contract was signed, the three parties went through the notarization. Of course, on June 23, 1995, the company also issued a declaration of transfer and pledge to the plaintiff, pledging its RMB fixed deposit of RMB 30 million (deposit certificate number: N0:173758, N0:173759) deposited in the Nanao branch of the state-owned bank, and obtained the seal and consent of the depository bank, the Nanao branch of the state-owned bank. Subsequently, on August 8, 1995, the plaintiff transferred the loan of RMB 27 million to the account of Eagle Company. After the expiration of the contract, Eagle Company failed to repay the plaintiff's loan, and the plaintiff filed a lawsuit with this court, requesting that Eagle Company be ordered to immediately repay the principal and interest of the loan, or dispose of the pledge in accordance with the law, and the proceeds should be repaid first, and the litigation costs of the case should be borne by the plaintiff.

Check again: The plaintiff was originally Shenzhen Hubei Financial Services Society.

The court held that the pledged loan contract signed by the plaintiff and the defendant was established in accordance with the law, and Eagle Company should repay the principal and interest of the plaintiff's loan and bear the liability for breach of contract in paying the overdue interest, and of course the company should bear joint and several liability for repayment within the scope of its pledge.

During the trial of this case, after mediation presided over by this court, the parties voluntarily reached the following agreement:

1. Eagle Company still owes the plaintiff RMB 27 million in loan principal and interest, overdue penalty interest (the interest rate is calculated according to the provisions of the People's Bank of China) and should be repaid to the plaintiff in full. For the above-mentioned amounts, Eagle Company shall repay all the interest owed before December 30, 1996, the principal and interest of 15 million yuan by March 30, 1997, and the principal and interest of 12 million yuan before May 20, 1997. Interest on the debt for the period of delay in performance is doubled for the overdue period.

2. If the Eagle Company fails to perform its debts when due, the plaintiff has the right to withdraw the pledged deposit receipts in accordance with the law and receive priority in repayment.

3. The case acceptance fee of RMB 164,000 shall be borne by the ex officio company (the plaintiff has paid the case acceptance fee in advance and will not be refunded, and the ex officio company will pay the plaintiff the amount borne by the ex officio company before December 30, 1996).

This mediation statement shall have legal effect after being signed by all parties.

Judge: Lin Liangjun

Shenzhen Intermediate People's Court of Guangzhou Province (India)

25 November 1996

Clerk: Dai Yong

In the summer, I opened another document faxed by President Wu of the South AO Bank, which was issued by the higher political and legal departments of the South AO in mid-September 1996, and read:

Documents of the People's Procuratorate of Shant City, Guangdong Province

Shanshi Inspection (1996) No. ××

Notice

South AO Branch of the State-owned Bank:

On June 20, 1996, our court filed a case to investigate the dereliction of duty of Shen Zhaoyou, the former president of your bank, and the loan fraud case of Wang Feng and others of Zhuhai Company. It has now been ascertained that in May 1995, criminal suspect Shen Zhaoyou falsely issued seven RMB fixed deposit slips for Wang Feng and others, totaling 170 million yuan. Now, these deposit slips have been pledged by Wang Feng and others to financial institutions for five loans totaling 137 million yuan. Among them, Guang D Huaxin Financial Company loaned 30 million yuan, Guang Z Zhongnongxin Financial Company loaned 30 million yuan, state-owned bank Shijiazhuang No. 2 Office loaned 30 million yuan, Citizen Bank Hubei Branch loaned 27 million yuan, Guangz Yue Guoxin Investment Company loaned 20 million yuan. In addition, there are other issues involved in Shen Zhaoyou, which are currently under investigation.

This court holds that this case is an extraordinarily serious economic crime case. Work on wanted notices, arrests, and recovery of stolen goods is currently under way. The case involves some economic disputes, and the relevant units have now filed lawsuits with the courts on the economic disputes in this case. According to our court's opinion, according to the principle of giving priority to the investigation and handling of economic crimes in economic dispute cases, the litigation of economic disputes and the enforcement of civil judgments in this case should be handled after our court has ascertained the relevant criminal facts.

I hereby inform your bank of the above situation, and ask your bank not to handle the transfer and payment of the relevant funds in this case for the time being.

Notice is hereby given.

People's Procuratorate of Shant City, Guangdong Province (India)

16 September 1996

After reading the materials, Xia thought: both documents are well-founded. However, as far as the facts are concerned, the implementation of this case may become distant due to some local and departmental interests. This is something that the loan manager did not think of at first. Even Wang Xianyao and Chen Jiao, who were halfway through the loan approval, are still having nightmares!

Precisely:

How can you take it from the void? You can't really do it;

Liars can only swagger, and gentlemen are protected by the sky. (To be continued.) )