"We have conducted an audit of the Hubei Financial Services Society for more than half a month, and then summarized the situation in the bureau, and now we invite the representatives of the preparatory group of the Citizen Bank, the representatives of the Hubei Financial Services Society and us, to exchange audit views. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 info" In the conference room of Hubei Financial Services Society, Yao Qiong, the audit team leader appointed by the Municipal Audit Bureau, made the opening remarks of the meeting in front of the participants.

At the oval-shaped conference table of the Hubei Financial Services Society, Li Na and Li Hui, representatives of the Citizen Bank, and Zhuang Yu, Yang Oran, Qin Xianhong, Chen Jiaojiao, and Xia Xia, representatives of the Hubei Financial Services Society, sat at the office table. It can be seen from the composition of the participants above that all parties attach great importance to this meeting.

Team leader Yao Qiong continued: " We still have several issues to discuss in the course of the audit: First, on the issue of whether the Kishio Company is a shareholder, we found that the Kishio Company did not actually inject capital, and the share capital was entered by Shenzhen Haodang Co., Ltd., and later the same amount of loan was borrowed to this company with this share capital as collateral, and the same question was raised during the audit by the People's Bank of China; second, the Kishio Company, which was building the Anyan Automobile City project, had a loan of 8 million yuan hanging on its balance sheet, and this became a question: Whether the company's current loan balance was 77 million yuan or 85 million yuan。 This question relates to the value of your equity. Third, the return of employees' collective life insurance can not offset the cost, and the citizen bank should also be asked to express its position. ”

After Yao Qiong finished speaking, she glanced at Deputy Director Luo and said, "Director Luo, what do you see?"

Deputy Director Luo said: "The matter is all said by Xiao Yao. The purpose of our Audit Bureau's participation is to judge the authenticity of the operation of the financial service cooperative, and of course, after the question is raised, everyone can express different opinions in order to reach an objective conclusion. Director Li, can you tell me?"

Li Na of the Citizens Bank said: "I would like to hear the opinion of Hubei Financial Services. ”

At this time, Zhuang Yu said: "Generally speaking, I am grateful to the audit team for their work in the past month and for judging the operation of our service agency more objectively. Regarding the issue of equity, it is indeed Kishio, and I can write a supplementary explanation on this. The second is the issue of 8 million, which is more complicated, and we are doing work to ask the Anyan Auto City Company to repay the loan. Third, on the issue of insurance return offset costs, my opinion is as follows: the returned money is actually used to develop the business, not any one person eats and spends it, which is estimated to be the same as Director Li, I don't think there is a need to offset costs. See what you think?"

Director Luo glanced at Li Na and said, "Director Li, what do you see?"

When Zhuang Yu talked about the third question, the purpose of pulling out Li Na as a shield was to ask Li Na to imply that the money returned by the life insurance was put into the small cash cabinet, and it was also in the business accounting of the financial service cooperative. Director Li Na understood the meaning and said to the audit team: "I think the third question, I don't care, as a product of the financial service society system. The first two issues involve the authenticity of the shareholders of the Minmin Bank and the quantity and quality of its assets, and it is still necessary to clarify them. ”

Director Luo said: "Then please ask Mr. Zhuang to work hard, write an explanation, give it to us tomorrow, and three days later, everyone will come back to sign." Okay, okay?"

"That's all there is to it. Yang Oran, chairman of Hubei Financial Services Society, interjected first.

Then, Zhuang Yu also said: "Okay." ”

After the phone rang, Liu Aihua answered the phone, knowing that he was looking for Summer, handed it to Summer and said, "Manager Xia, looking for you." ”

Summer took the phone and asked, "Hello, who?"

"Hey, Manager Xia?" said the other end of the phone.

"yes, are you?" asked Summer.

"It's really a noble person who forgets things, I can't even hear my voice? I'm Feng Wenwen, brother. Feng Wenwen said.

"Okay, okay, okay, what does it matter if you hear your voice and hear the gospel?" asked Summer, happily.

Feng Wenwen said: "You know that we are rich, can't we meet and chat?"

Summer said, "Well said, well said, where you go, I'll have a treat." ”

Feng Wenwen said: "Manager Xia, I'll get down to business first! Your brother is famous, and our boss Tong Ke wants to see you." ”

Feng Wenwen's company is a listed company on the Shenzhen Stock Exchange, and his boss wants to see that there is naturally a good thing, and Xia asked happily: "The information about me in the boss's mind was what you told him?"

Feng Wenwen said: "The business that our company is engaged in from you is recommended by me, but what I heard from him seems that he still understands your personality or something." ”

Summer said: "It's weird, I didn't have contact with him before. By the way, what is the child's personality?"

Feng Wenwen said: "Let's put it this way, there is nothing to say about integrity, the CEO of a listed company does not have a special car, and even the board of directors is not happy." He's also a typical example in the city, so you don't have to worry about that. ”

Summer asked, "As far as you know, what is his intention? ”

"Brother, our company was originally going to upgrade the textile production line, but now the situation has changed, and I want to stop and take a look, which will add a lot of money. There are about 30 or 50 million to give a way, and now various banks come to the door every day, but Mr. Tong has other considerations. Come to think of you, ask me to contact you, depending on whether you are interested or not. Feng Wenwen said.

Summer said happily: "Yes, you two take care of me so much, of course I am willing to come." In this case, please make an appointment with him, this afternoon, or tomorrow. Anyway, the time of the meeting is set by him, and I'm on call, okay?"

Feng Wenwen said: "I will call you after I contact him?"

Summer said, "Okay. ”

Planner Xiong Zilun sent the position table to the summer table and said, "Manager Xia, this is the latest issue. ”

Summer glanced at the watch and asked, "What, take out another 20 million yuan?"

"Yes!" Xiong Zilun said, "I just left yesterday and went to Zengcheng." ”

"What is this money going to Zengcheng for?" Xia asked.

Xiong Zilun smiled and said, "You ask me, who do I ask?

"That's right. Summer laughed to herself.

After Xiong Zilun left, he took out the fund statement provided by the planning department in the summer, analyzed the funds they took out and dismantled, and always felt very strange, and did not hesitate to use the big account of the business department to buy deposits in violation of regulations this month, but still took out more than 70 million yuan, many of which were still for one year. This made Xia feel that Zhuang Yu's actions in business were unforgivable, because he ignored the payment risks faced by Hubei Financial Services Society, and in the eyes of ordinary people, things have reached such a critical juncture, which is not at all what a responsible legal representative should do.

Xia pondered: "What are Mr. Zhuang and Lao Bu doing?"

Zhuang Yu's approach to borrowing is just like what the ancient poem said:

New silk is sold in February, and new grain is sold in May. Heal the sores in front of your eyes, but tear off the flesh of your heart.

Zhuang Yu was pacing in the office, thinking about how to settle the dark shares of Shenzhen Haodang Co., Ltd. and the bright shares of Anwei Village, so as not to mislead others and himself in the future.

Zhuang Yu thought: "The original idea of mobilizing everyone to participate in the stock now seems a bit naïve. ”

Zhuang Yu thought about it again, this problem can't be known to everyone in a big way, just ask Xia to deal with it after it is written.

He picked up his pen and wrote on the letterhead: "Shenzhen Haodang Company's application for requesting the transfer of our company's loan and equity to Kishio Company at the same time ......."

Chen Shanwei of Shenzhen 38 Co., Ltd. really wants to raise enough shares of the raised funds and is ready to start construction of the 38 Building project. In the past few days, he has been coming to Hubei Financial Services Co., Ltd. to establish relationships with Zhuang Yu and Chen Jiao.

If Chen Jiao and Zhuang Yu can't get along on many issues, it is strange that the two have a soft spot for Shenzhen 38 Co., Ltd., and they have no objection to his financing and accumulation. Even more than a year after the takeover of the Citizens Bank, Chen Jiao, as vice president of business, has been supportive of the company – a story for later.

In the afternoon, Chen Shanwei called and asked Xia: "I am ready to sign a medium and long-term loan and deposit agreement with you, in order to eliminate the possible risks of repaying the loan in the process of building a building, and now the Citizens Bank has also been established, and the loan is not subject to the 5.4 million yuan limit, I want to re-apply the old loan, so as not to be halfway through the construction of the building, the loan has been overdue for two or three years, and it is difficult for everyone to do it." ”

Summer said, "I see that your idea is very good, and I will ask the CEOs about their attitude." ”

In fact, Xia also hoped that he would go through the loan procedures again, so as to completely solve the "flexible" measures carried out by the Hubei Financial Services Society in order to avoid the supervision of the People's Bank of China. However, the situation of the Shenzhen 38 joint-stock company is not as clear in the summer as it was when it was engaged in credit in the mainland, because in the mainland, every enterprise is watching its production, sales, and even making money and losing money, and it is impossible to hide it if they want to; in Shenzhen, it is different, the environment is complicated, the situation is changeable, and the enterprises are scheming, so that the banks cannot guard against it. Let's just say that this 38 Co., Ltd., although it has made some money from pharmaceuticals, its office address has changed and changed, and I don't know what medicine is sold in the gourd. At first, I rented a floor in Jintong Building, and after a few months, I moved to the East Gate Octagonal Building. Later, it was said that the octagonal building was inconvenient for vehicles to come and go, which was quite awkward, and moved to the Aiguo Road Light Industry Building for office.

Don't say anything else, it's just the act of moving, which makes the summer not look very pleasing to the eye. However, Chen Shanwei still has a lot of help to the bank's difficulties, and whenever Hubei Financial Services has difficulty in making payments, he is willing to raise a large amount of money to help solve the position. The CEOs have also seen this.

In the blink of an eye, a month has passed.

In the evening, Summer writes in a diary at home. He pondered for a moment and wrote:

"Looking at the work of the recent period, there are four things that have been done in a relatively timely manner to avoid mistakes: First, the work of replacing the collateral of Shenzhen Jiepeng Company and Shenzhen Ningfeng Company has finally been completed after active coordination; second, after the borrower came to check the accounts of the series of loans of the Royal Dragon Hotel, the "Confirmation" was finally sent to the Audit Bureau before the deadline of the Audit Bureau and confirmed. Third, at the juncture of the shortage of funds of the Hubei Financial Services Society, tens of millions of yuan of large deposits were still made to solve the crisis. Fourth, the relationship with the leaders of the society is divided and compatible, obedient and not blindly obedient, not to do what should not be done, and to have a sense of proportion. You should also be as cautious as possible in doing things in the future. ”

After writing, Summer felt that she could express herself, put away her diary, and drank tea. At this time, the science machine rang, and the summer used his mobile phone to go back, it was Li Nake, deputy director of the credit department of the Citizens Bank, only to hear him say: "I am Li Na of the Citizens Bank, are you summer?"

Summer said, "I am, Director Li is good." ”

"I have a couple of things I want to ask you," Li Na said. ”

Xia said, "Director Li, please speak." ”

Then, Li Na asked about his views on the loan of the Anyan Auto City Company and some other sensitive questions of the Hubei Financial Services Agency, and Xia gave cautious and objective answers one by one.

The next day, representatives of the Municipal Audit Bureau, the Citizens Bank and the Hubei Financial Services Society sat together again and unified their views on the audit results. In the end, it was agreed that the shareholders' equity would be increased from $1 to $2 cents per share. So, everyone was happy. At noon, Yang Oran proposed: Hubei Financial Services Co., Ltd. will be the host, on the second floor of the Jingpeng Hotel, please have a "working meal".

At the end of the meal, it was nearly two o'clock, and people returned to the Hubei Financial Services Agency, some on the sofa in the office, and some napping on the sofa in the conference room. At half past two, Li Na's mobile phone rang, and he received a notice from the Citizens Bank: "The equity value of Hubei Financial Services Co., Ltd. has finally been determined to be 1 yuan and 2 cents per share. "That's two cents less than the one per share we said in the morning.

Yang may say: "Two points less is two points less, it doesn't matter." ”

So, everyone began to go through the signature confirmation procedures.

When signing, Zhuang Yu finished writing his name and asked, "What is the number today?"

Qin Xianhong said: "May 26th. ”

Li Na said with a smile: "Mr. Zhuang's life is really happy, in ancient times, people were happy, but now you are happy and forgetful." ”

Zhuang Yu ignored Li Na's teasing, and was the first to sign his name on the confirmation form from the three parties.

Next, Yang Oran, Li Na, and Yao Qiong signed respectively.