It is said that SZ 38 Co., Ltd. pulled in a one-year fixed deposit of 20 million yuan as scheduled, plus the previous deposit of 13 million yuan, a total of 33 million yuan. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 After the info deposit came in, Chen Shanwei was also full of ambition, feeling that this time the matter of cooperating with the three parties to build a building had been halfway.

In fact, Chen Shanwei is also weak-minded, because of his cooperation with the three parties, the ownership of the land is not that of SZ 38 Co., Ltd., he is responsible for the capital investment, the funds are in place, his equity is established, and after the real estate is built, he will have his share of property rights; if the funds are not in place, the contract he signed with the three parties for the cooperative construction of the building will naturally not take effect. This is why after SZ 38 Co., Ltd. signed a medium and long-term loan contract with Hubei Financial Services Co., Ltd., so many people came to know the authenticity of the contract.

In other words, the building partner must see that the construction funds of the 38 Company are in place before it is considered to be in a good position, while the bank will not consider making a loan to the 38 Company until the deposit of the organization has been received -- this is the cause and effect of the company's investment.

There is a saying: Man is not as good as heaven. What Chen Shanwei did not expect was that the Citizens Bank was facing a dangerous payment crisis, but it was not announced to the public. Don't say that Chen Shanwei got 30 million yuan, there is no way to make a loan, even if he comes in 300 million, he will be overdrawn without any sound. What's more, in order to solve historical problems in the course of development, the Citizens' Bank must also ensure the financial needs of key municipal projects. Therefore, there is not so much care for these old borrowers.

Although it is said that it is an expedient measure for the Citizens Bank to do this, it is a big disaster for both the Citizens Bank and Shenzhen 38 Co., Ltd. to use the method of almost tricking enterprises into taking the bait and letting them pay money to pull deposits into the bank to solve payment difficulties.

No matter what, this play still has to be played.

On this morning, Chen Jiao of the Hubei sub-branch personally drove the car assigned to him by the sub-branch, with Xia Xia in the car, while Chen Shanwei led the way in front of several construction sites of the SZ 38 Co., Ltd. in another male king sedan with a military license plate driven by the driver of his company. The two cars first went to a construction site in Shazui to have a look, chatted with the person in charge of the construction site for half an hour, and then went to the construction site in Nanshanwo and saw the engineering team building a fence. After a short pause, the two cars went up the mountain from the Meilin cultivation port under construction (simple internal customs, at that time, the Meilin Customs had not yet opened), and slowly drove to Longhua Town on the winding mountain road, stopping at a villa construction site next to the warehouse of the petrochemical company. Chen Shanwei gave a detailed introduction to the origin of this project.

After Chen Shanwei's introduction, Xia asked, "Is the transfer of the land use right of your land clear?"

Chen Shanwei said: "When we participate in cooperative development, we generally go through formal procedures with the Land Bureau when it is about to be put on the market after it is built, so as to avoid a backlog of funds. ”

In the summer, I have learned about many cooperative housing projects and expressed my understanding of this approach.

Chen asked some other questions about the project, and after seeing that the time had passed twelve o'clock, he suggested returning. So, the two cars slowly climbed onto the winding mountain road, returned to Yinhu from Meilin Farming Mouth according to the original road, and went from Jinhu Road to a seafood restaurant next to the Armed Police Hospital to have lunch.

At this time, Xia looked at the big clock hanging in the main hall of the restaurant, and it was already half past one at noon.

"The seafood here is still very good, President Chen, what do you like to eat?" asked Chen Shanwei.

Chen homework didn't go out much, and he couldn't call it famous, so he said: "I listen to Mr. Chen's arrangement." ”

Chen Shanwei said: "Hubei Financial Services Agency has been dealing with us for two years, and I haven't invited you to dinner yet. Manager Xia, what do you like to eat?"

Summer said: "My hometown is not near the sea, and it is not that I didn't like seafood before, and I rarely even saw it, so there were not many opportunities to eat seafood." When I came to SZ, I didn't know what seafood was good and what was not. Dongfeng snail I think it's good, the others listen to you. ”

Chen Shanwei said: "Then I will arrange: a sea snake, sea snake meat detoxification, snake skin can be made very crisp and refreshing, and then boiled for a while will be smooth and delicious, beauty food." Take a lobster and eat it in two. ”

Xia said: "There are only four of us, don't order too many dishes, let's go back after eating!"

Chen said: "I have enough food to watch, and people are hungry, so I tell them to hurry up." ”

After a while, the shopkeeper sent three small plates of cold dishes, poured Shenzhen's locally produced Jinwei beer, and everyone padded their stomachs first.

……

At about three o'clock, Chen Jiao and Xia returned to the Hubei branch and made a special report to Wang Xianyao. In the end, the three of them agreed that for the sake of the sub-branch's financial problems, they should strive to the head office to shake the old loan of SZ 38 Co., Ltd., re-go the mortgage registration procedures, and report it to the branch within two days.

In this way, the relevant personnel can quickly carry out the loan declaration operation.

After the enterprise fills in the basic information in the "Loan Submission Statement", there are several columns that are used for the relevant personnel of the bank to sign the opinions, namely the investigator, the examiner, the head of the credit section, and the head of the branch.

In the investigator column, Liu Aihua wrote on August 1, 1995: "Our bank has a credit rating of 76 points for SZ 38 Co., Ltd., which is BA level, and the risk is 21% with the mortgage of a third party's land use right. According to the investigation, the loan project is feasible, and it is planned to agree to a loan of 15 million yuan for a period of one year and submit it to the leadership for approval. ”

In the examiner's column, Wang Yang wrote on September 13, 1995: "The company applied for a loan from our bank for the operation of steel products with the mortgage of land use rights, and after examination, it met the loan conditions, the purchase and sale contract was implemented, the repayment source was reliable, and it agreed to issue a loan of 15 million yuan with a term of one year and an annual interest rate of 13.266%. ”

In the column of the head of the credit section, the following paragraph is written: "Agree to the investigation and review opinions, the company's original loan was lent out from the surplus position of our bank (company), due to the practical difficulties in repaying the loan at the time of maturity, after negotiation, the two parties agreed to absorb the deposits of the cooperative unit to maintain the balance of the bank's deposit and loan funds under the premise of maintaining the original credit risk." Agreed to apply for a one-year working capital loan of 15 million yuan, and submitted it to the president and the head office for approval. ”

The payment was: "Temporary person in charge of credit of the sub-branch: Xia, Xu Donghai, October 17, 1995. ”

There is no sign of the vice president of the branch on this form, and when Xia Xia sent the loan submission information to Wang Xianyao, Wang Xianyao said to Xia: "Show President Chen first." ”

Later, Chen wrote crookedly on the upper right side of the table: "In the settlement of the old loan, the customer basically cooperated, and the geographical location of the collateral was acceptable." On the premise of maintaining the original risk level basically unchanged, after the deposit of 30 million yuan was in place, it agreed to issue a loan of 15 million yuan, and at the same time repay the old loan of 10.4 million yuan. -- Chen Assignment, 95, 10, 19. ”

On October 20, 1995, after Chen signed his opinion, Wang Xianyao wrote in his beautiful, elegant, and timeless font in a hurry: "I agree to borrow 15 million yuan, and at the same time return 10.4 million yuan, and report to the credit department of the head office for approval." Wang Xianyao. ”

Finally, Xia wrote the "Notes on the Loan of SZ 38 Co., Ltd.":

Credit Office of Head Office:

In July this year, SZ 38 Co., Ltd. planned to use 60 million yuan of deposit supporting loans of 40 million yuan, coordinated with our bank and reached an intention, and the two sides signed a medium and long-term loan contract. Because its 60 million yuan of funds have not been fully received, it has not gone through the accounting procedures. Due to the very tight position of our bank in recent months, after further negotiation with the new team and the company, in line with the principle of solving the balance of deposit and loan positions based on our bank, on the basis of facilitating the deposit of 10 million yuan in July this year, 38 Company recently introduced a one-year time deposit of 23 million yuan. Our bank envisages that the above-mentioned fixed deposit of 33 million yuan will be mainly used to smash the old loans by borrowing new loans to repay old loans, so as to maintain the balance of deposit and loan ratio on the one hand, and maintain the original credit risk level on the other hand.

Based on the above starting point, our bank declared a new loan of 15 million yuan, of which 10.4 million yuan was used to repay the old loan, and the balance was used to pay the interest margin of more than 2 million yuan and reserve part of the interest. Therefore, for the new loan, the available funds are not much, and it is still a measure for the bank and the enterprise to cooperate with each other to solve the problems left over from the past.

Recently, the leaders and loan officers of our bank inspected the three construction sites of the company and believed that the company has certain strength. In addition to the loan from our bank, the company has not yet borrowed from other banks, so its liabilities to total assets ratio is low, and the loan collateral is still owned by a third party, so it is more advisable to go through the new loan procedures as soon as possible to maintain the original risk level of the loan.

We kindly ask the head office to approve the application as soon as possible to support our bank to tide over the difficulties in fund payment (because there is still a part of the interest rate spread of the depositor to be filled).

I look forward to it!

Citizens Bank Hubei Branch (India)

16 October 1995

The next morning, Liu Aihua took the loan submission materials of SZ 38 Co., Ltd. signed by the branch and reported it to the head office.

At this time, the credit department of the head office had just completed the adjustment of the new personnel layout: director Feng Laodao was still in charge of credit and collection after being promoted to vice president, and Yi Muzi was promoted to deputy director of the credit department to preside over the work. The Loan Examination Section was headed by Hao Jianguang, who had just been transferred from the Business Department of the Head Office; the Business Comprehensive Section was promoted to Wan Zhongyi because the former section chief Zhang Yu was transferred to the Meilin Sub-branch to preside over the work; and the Loan Investigation Section was changed to Luo Yingying to take charge of the work because Wang Yu, the former section chief, was transferred to a Nanshan sub-branch to preside over the work.

When Liu Aihua arrived at the head office, he told Deputy Director Yi Muzi according to Xia's request: After he finished reading the materials, the branch would go up to report to him and explain or have questions.