One afternoon, at five o'clock in the afternoon on the day when the last loan of 8 million yuan was loaned, Xia Shuwen, the accountant of Guiz Merchants (Shenzhen) Development Co., Ltd., who came to Hubei Financial Services Co., Ltd. to handle the loan, and Miss Wang, the chief accountant sent by his head office to supervise the loan business, proposed to invite Xia and Ou Zhongzhong to have dinner together, and said that this was a task assigned by Shao Hua, the general manager. Pen ~ fun ~ pavilion www.biquge.info

People know that in the previous chapter, when the general manager Zhuang Yu invited Xia to go to the dinner of Wang Yu, the general manager of Yufeng Jinlong Restaurant, Xia was also prevaricated, and it can already be seen that Xia Xia's basic attitude towards eating invitations can be seen. This time, as usual, he was reluctant to accept their invitation.

Xia Shuwen saw Summer's attitude, so she had a plan and said to Summer sincerely: "Manager Xia, I am a wage earner, and I buy boxed lunches on the street every day and go home after eating. Now that I finally have a chance to have a meal, you can fulfill our two female compatriots! Let me save money for food, and you old people will have good rewards. ”

When she said this, she glanced at Miss Wang next to her, and said with a smile: "Then go to the lobby on the second floor of the nearby Southern Hotel for a light meal, don't break the bank." Really!"

Then, in the summer, the four of them walked to the Southern Hotel, went up to the individual restaurant on the second floor, and found a rectangular coffee table table to sit down.

At this time, Xia Shuwen and Miss Wang began to be busy ordering.

However, they said that they came from a remote mountainous province with an underdeveloped economy, and they did live at home in frugality, and they did not have much knowledge of the consumption level of southern cities in the reform and opening up. They ordered a few cold dishes from the lobby cart as if they had ordered a buffet in the canteen, and then ordered a plate of braised pork knuckles, four soups, fried macaroni with oyster sauce, beef tenderloin teppanyaki, and four white rice.

Summer and Ou Zhongzhong, as their guests, finished the dinner without any mind.

At the time of checkout, the waiter provided Xia Shuwen to pay for the bill, which was impressively written: 268 yuan.

Ordinary kind-hearted people may have a good impression of the enthusiasm of the summer to be anxious about the customer's anxieties and to help the customer's work, but there is another side to everything, and perhaps after a period of time, someone will ask from another angle: Why is the summer so enthusiastic? Is he not selfish?

It's really unpredictable, this customer of Zhuang Yu, the boss of Hubei Financial Services Society, will actually perform a story that is comparable to the allusions of Zhuge Wuhou Liu's Qishan in the future.

One morning, Xia had just walked out of the office and was about to go to Zhuang Yu to sign, when he happened to run into Chen Jiaojiao going out with his schoolbag on his back. Chen Jiaojiao saw the summer coming out, and said casually: "Go to Longgang and send 200,000 yuan to their trade union." ”

Xia knew that Chen Jiaojiao was talking about the interest rate difference of Section Chief Xu's 15 million yuan deposit, so he nodded, smiled and asked Chen Jiaojiao to go first, and then found Zhuang Yu to sign and approve the IOU. After returning to the office, he handed the IOU to Ou Zhongzhong and asked him to go to the sales department to go through the billing procedures. Then, I made a phone call to Linghua from Shenshan Chemical Co., Ltd. Ling Hua received a call from Summer, and said a few polite words, and Summer cut to the chase: "Have you handled the spread of Section Chief Xu?"

Linghua said: "It's handled, you don't have to worry. ”

Xia asked, "Did our Mr. Chen here call you?"

Ling Hua said, "Hit." ”

"You told him to send the spread?" asked Summer.

"No, how dare I ask Mr. Chen to do this. Ling Hua said, "He himself said that he was a classmate of Section Chief Xu and asked him to send it." ”

Summer asked again, "How many do you send him?"

Linghua said: "Not much, the level of interest rate spread is still low, 500,000. He said he would send it today. ”

Xia understood the general situation of the matter, and then said: "Mr. Ling, generally speaking, as financial practitioners, we don't ask about the interest rate difference between loan companies and depositors in principle. Mr. Chen did this, and I don't approve of it. You just thought I didn't ask you. You got the deposit yourself, I don't know anything. ”

After listening to Summer, Ling Hua replied, "Good, good, good!"

Xia put down the phone and thought: "At noon on the day when Linghua coordinated this deposit with Section Chief Xu, Section Chief Xu explained in person that he did not see Chen Jiao, that is to say, she didn't like Chen Jiaojiao very much to know the bottom of this deposit, especially in terms of interest rate spreads. However, after I told Chen Jiao, he became an errand runner for the interest rate differential, so what was Chen Jiajiao's reason for doing this? Did he want to show Section Chief Xu that he was very powerful, that he wanted to show off his rights, or that there was still any benefit to be gained? Because it was impossible for him to come out of the People's Bank of China without knowing that it was very troublesome to get involved in the interest rate differential. If nothing else, let's talk about how Longgang sends money to the trade union of this unit, which is also a very skillful job, if you are not careful, or if you don't know it clearly, or the more you describe it, the more you describe it, then you will be pitted by Section Chief Xu. If it's troublesome, why take the initiative to take the blame?"

"The two of them, one said that the interest rate difference was 500,000 yuan, and the other said that 200,000 yuan was sent over, I don't know which one of them was telling the truth, or what both of them said was true - that is: Linghua gave Chen Jiaojiao 500,000 yuan, and Chen Jiaojiao sent 200,000 yuan to the Longgang Functional Bureau where Section Chief Xu worked. So, what is the use of the 300,000 yuan that Chen Homework has in hand? It's kind of interesting!" -- Xia said in his heart.

People may still remember that when Chen Jiao first took office, at the first meeting of middle-level and above cadres attended by the financial service cooperative, he once loudly demanded that loan officers be honest and self-disciplined in dealing with loan enterprises, but now in a few months, he has ingeniously wedged into the borrowing enterprises' original and negotiated behavior of using loans to attract deposits and make up interest rate differences, which cannot but be said to be a great irony.

Maybe someone will ask about this in the future, and no matter how Chen Homework shows his innocence, it will not be able to wash away the suspicions of others that he is handling this spread. In this way, Chen Jiaoyue took the initiative to contract with Linghua to pay the difference to Section Chief Xu, which became the only reason for their friendship.

"Good afternoon, three managers!" said Shao Min of Shenzhen Ningfeng Industrial Development Co., Ltd., standing at the door of the credit manager's office.

Bu must have smiled and said, "Our Mr. Shao, Mr. Xia came to us again?"

Shao Min said: "I am not only looking for Mr. Xia, but also Mr. Xu and Mr. Bu, in short, I am not afraid of many friends, and I am not afraid of making a fortune." ”

"Yes!" Bu must have said, "I love to hear this sentence." ”

Shao Min said: "There is another sentence that I haven't said, that is: if you have milk, you are a mother." ”

Xu Donghai said: "I didn't expect it, Mr. Shao is still very frank!"

Xia also felt that Shao Min and Wang Chongqing were not the same thing, this person was familiar with everyone, and it was easy to get a loan. He asked, "What is the main activity of coming here this afternoon?"

Shao Min said: "The first is to look at the three big brothers, who are coming in to establish a relationship; second, I open an account, you see that I didn't just come from Miss Zhou Tianhong of the sales department." Don't say it, Miss Zhou is indeed my confidante, I like it a lot. After speaking, show the account opening information to Summer.

Bu must smile and say, "Aren't you afraid that your wife will screw off your ears and feed the dog?"

"How dare she divorce her!" Shao Min said in a heartfelt manner.

"I didn't expect Mr. Shao to be okay. Xu Donghai said while laughing.

While they were ridiculing, Xia looked at Shao Min's account opening information. His account opening unit is: Shenzhen Huachang Industrial Co., Ltd., in addition to the official seal, there is only one Shao Min's private seal. He asked, "Is this your own company?"

Shao Min replied: "Big brother, how can I have the ability to start a company." I also have a vice president there, but I absolutely control this account. ”

Summer thought about the sensitive and contingency payments needed to deal with the spread issue for several months and felt it was more convenient to have a controllable account. Then he asked him tentatively: "I see that you have a hand in financing, do you think you can cooperate like this: we are all for the purpose of facilitating financing, you out of the account, we add a chapter here, or agree to let us supervise the payment, that is: the payment of interest rate difference is handled by you, but we need to know the situation." What do you think?"

"This ...... I'll go back and think about it, and I'll reply to you. Shao Min said.

Summer said, "It's okay. ”

……

Early the next morning, Shao Min left a message in the summer science machine: "Brother Xia: The younger brother will send you to work at the gate of the village." Quick. ”

Summer thought to herself, "I don't know what this guy is doing." But he still went out to the gate of Sungang Village, got into his Honda car with a military license plate and went to Hubei Financial Services Agency.

After getting out of the car, Xia said to Shao Min: "Thank you!"

Shao Min didn't get out of the car, stepped on the accelerator and left, as if he really gave a ride in the summer.

On the morning of the third and fourth days, Shao Min painted the gourd in the same way, and waited for the summer at the gate of Sungang Village, and sent him to work at the Hubei Financial Services Agency on time. Shao Min sent Summer to work "by the way", and it was sent for more than ten days in a flash, which made Summer feel that he owed him a favor.

On this day, I took the time to carefully read the loan information of Shenzhen Ningfeng Industrial Development Co., Ltd. in the summer, and felt that the loan company had no characteristics, but there was a background of national enterprise participation, and in addition, sometimes the real estate mortgage of 13.2 million yuan at the market price of Mao Commercial Bank could be considered. So, I found Ou Zhongzhong to discuss the loan investigation.

Shao Min, on his side, also signed a financing agreement with Huang Zhonghui, saying that he could enter 8 million deposits at a certain time and one day.

One night, Shao Min contacted Xia and wanted to meet the depositor together, Shao Min received Xia in Sungang Village and turned back to Sungang East Road and drove towards Yayuan Interchange. On the way, Shao Min said: "Make a phone call to harass Miss Zhou in your club." Then he gently touched his upper left chest, and then, dialed a number and made a call, Shao Min said, "My young lady, what's the matter, do you miss your eldest brother?"

The other party said, "I don't want to." ”

Shao Min said: "If you don't want me, you should also think about my little brother!"

"You...... I won't tell you. "The other party seems to be a little angry.

Shao Min said again: "You know that my kung fu is good, you are afraid of me, but I miss you!"

The other person asked, "Where are you now?"

Shao Min said: "I was driving out. I'm going to get down to business tonight, okay, I'll contact you another day. ”

After Shao Min ended the call with Zhou Tianhong, he said: "Contact Mr. Huang of Sangma Company to see if his deposit will be given to me." ”

Then, he dialed another phone number, and after answering it, Shao Min said on the phone while driving: "Mr. Huang, I am your little brother Shao Min." I'm on Hubei Road right now. In my car sat Mr. Xia of the bank I talked to you about that day. Your deposit to him is completely safe. Would you like to say a word to him?"

The other guy on the phone said, "Okay." ”

So, Shao Min handed Big Brother to Xia, and Xia could only say, "Huang always, right? We haven't met yet, I'm the credit manager of Hubei Financial Services Agency, and I'm very happy to deal with you." When will you come to our financial services agency for guidance and guidance?"

The other person on the phone said, "I will definitely come to visit if I have a chance." ”

Summer said, "Okay, we'll see you another day." ”

"Okay. ”

Putting down the phone in the summer, Shao Min said again: "Let's go to Shenghua Restaurant for supper?"

Summer said, "Okay. ”

What Xia also couldn't imagine was that from the day Shao Min picked him up at the gate of Sungang Village to work, all the speeches, conversations, and subsequent interactions from this night to that night were all recorded because Shao Min gently touched his upper left chest.

Half a year later, after listening to the three cassettes left by Shao Min in the summer, he felt that his voice was recording a good part of himself. recalled Shao Min's actions, and thought that his scheming for the recording and the planning of the event were high-grade and meticulous. Fortunately, he has been educated by the party and the people for a long time, and he has never mixed personal conditions with the issue of loans. Otherwise, the consequences are catastrophic.

"Manager Xia," loan officer Ou Zhongzhong walked into the credit manager's office and said to Xia, "The collateral of Shenzhen Ningfeng Company has changed again. ”

Summer asked, "What's the change?"

Ou Zhongzhong said: "The real estate of Shimao Commercial Bank was no longer mortgaged to him, and it was changed to two factories of Shiyan Trading Company, with a market value of 12.3 million yuan. The mortgaged house, Liu Aihua and I looked at it. ”

"That's fine. Summer said.

Ou Zhongzhong said: "Then we will go through the formalities." ”

Summer said, "Good. ”

The next day, Zhuang Yu approved a loan of 5.4 million yuan from Shenzhen Ningfeng Industrial Development Co., Ltd. Shenzhen Bao'an Notary Office handled the notarization. After the notarization, Shao Min and Zhong Ningfeng said: "Xiaoou, you have worked too hard, we will go to the Bao'an Land Bureau to register by ourselves, and we will ensure that it will be done well." ”

So, Ou Zhongzhong handed over all the registration applications and other materials to Shao Min to handle.

A few days later, the matching deposit was received and the loan contract was returned, but it is said that when the real estate certificate was kept by the Ishigan Trading Company, a copy was somehow lost. So, they negotiated with the Bao'an Land Bureau, and the Land Bureau wrote a business letter to Hubei Financial Services Agency. The full text is as follows:

prove

Shenzhen Hubei Financial Services Society:

Your company signed a mortgage contract with Shenzhen Ningfeng Industrial Development Co., Ltd. to mortgage the factory building of Bao'an Shiyan Trading Company (Yuefang Zi No. 19665930 and Yuefang Zi No. 19666140). Among them, the Yuefang Zi No. 19666140 real estate certificate is being re-applied for due to loss reporting, and the Bureau has verified by computer that the property has not been mortgaged to any third party before mortgaging your company. The Department has affixed the mortgage seal to the loan contract and the mortgage statement. Therefore, the mortgage made by your company on the basis of the above two title deeds is valid.

It is hereby certified

Bao'an Branch of Shenzhen Planning and Land Bureau (Chapter)

11 January 1995

Zhuang Yu and Xia looked at the loan contract and the mortgage seal on another real estate certificate, and felt that they had found no suspicion, and after a few days, Hubei Financial Services Co., Ltd. lent Shenzhen Ningfeng Company a loan of 5.4 million yuan.

In the summer, when I was going through the procedures for the loan to be issued, I was thinking about a question: why did its collateral change from place to place, and why were different units willing to mortgage it with real estate?

What the bank couldn't imagine was that the reason why Shiyan Trading Company was willing to use real estate to mortgage others was because it wanted to share the loan. In case the borrower does not give the mortgagor money, right and wrong come.

Precisely:

There is no pie in the world, and there is a reason for mercenary;

Thousands of assets are willing to get rid of them, racking their brains to fight schemes.