The audit team organized by the Municipal Audit Bureau entrusted by the municipal government is to audit the authenticity of the assets, liabilities and rights and interests of the city's financial service cooperatives before they take over, and it is a comprehensive assessment and audit of the financial service cooperatives as a single collective enterprise share into a municipal state-owned, collective and other ownership joint-stock banks from the share capital structure. Pen "Fun" Pavilion www.biquge.info

After the audit team arrived at the Hubei Financial Services Society, after meeting with Zhuang Yu and others, they quickly carried out their work in accordance with the grouping of credit and accounting. Hubei Financial Services Co., Ltd. was also told that it was necessary to fully cooperate with the audit, to clarify the problems, to eliminate bad debts, and to be truthful. In general, people below the department manager level are very welcoming to the Citizens Bank to take over the financial services agency. If nothing else, let's just say that being played around by a few shareholders all day long is also upsetting.

On the morning of this day, the department manager of Hubei Financial Services Co., Ltd. was fully cooperating with the work of the audit team, and Zhuang Yu notified: A meeting of cadres above the department manager level was held.

Zhuang Yu saw that everyone had arrived, and said helplessly: "Originally, now that the audit team has come in, I also ask everyone to fully cooperate with the audit, but now there is no way, it is a fire room, I can't help but be in a hurry, and calling everyone to come is a topic: grab funds to come in." Next, I would like to invite Consultant Zhang from the Planning Department to introduce the funding situation. ”

Then, Comrade Zhang took the written manuscript and read it.

At this time, looking at the loan statement sent by Xiong Zilun in the summer, he found that Hubei Financial Services Co., Ltd. had recently opened out a large amount of 65 million yuan in several payments, and the time was all for a year, and some of them were even dismantled to other regions. This is difficult to understand: Is it because Zhuang Yu and other decision-makers can't see the peak of payments they are already facing, or is there a high return on the funds that have been loaned out that is higher than the spread of the one-year deposits? As for the issue of the loans, Zhuang Yu was formally advised to Zhuang Yu at the meeting before the Spring Festival as early as the summer: it is necessary to stop. Now Zhuang Yu is still dismantling like this, which has led to payment problems, isn't it self-inflicted trouble?

After introducing the situation, Comrade Zhang continued: "Our financial service cooperatives can only enter three months' worth of funds, and other deposits cannot be made up by the financial service cooperatives for the time being. ”

Without waiting for Comrade Zhang to finish speaking, Xu Donghai said angrily: "You wait! After the news that you can't pay your deposit spreads in society, you will have no fun, and it will be your turn to pick the fat and the thin?

Zhuang Yu saw that Xu Donghai's words were prickly, and Comrade Zhang's face was already flushed, so he hurriedly said: "It is precisely because we consider that we don't have much money in our small account that we have three months' deposits. ”

Xu Donghai said: "We all seem to be stupid! Settle accounts: Deposits with a term of one year or half a year have a lot of interest on the big accounts, and the time is long, so they are relatively more cost-effective. ”

At this time, Xia also said: "It is also said that under the current climate conditions in Shenzhen, it is an indisputable fact that deposits must be bought with money. Our top priority at the moment is: How will we get the money to buy the deposit? If this problem is not solved, it will be even more difficult for us to open the door in half a month. ”

……

In the afternoon, the audit team found out some problems with the loans of Anyan Automobile City Co., Ltd. and asked to go to Shenzhen Jinkaige Development Co., Ltd., his guarantee unit.

Zhuang Yu assigned Xu Donghai to take them there in the summer.

Because he had to write a reconciliation receipt, Zhou Kaige, the legal representative of Shenzhen Jinkaige Development Co., Ltd., was keenly aware that the God of Wealth was patronizing him again. When the investigation team asked for a seal on the receipt, he sold a pass and said: "The official seal of my company is in the hands of the office director, although I am the CEO, but there is no way to get it, I will send it to you another day, and I will not delay your business." ”

As a result, the audit team left the company.

Since entering May, Zhuang Yu's life has indeed been difficult.

Not to mention the idea of changing the leadership team proposed by the board of directors, which is basically passing by and being in the process of being reorganized. It just increased Zhuang Yu's psychological tension.

In fact, Zhuang Yu has more things to worry about.

First, not long ago, Hubei Financial Services Co., Ltd. found that 8 million yuan of loans to Shenzhen Anyan Automobile City Co., Ltd. were not included in the total amount verified by the People's Bank of China, but were put in off-balance sheet accounts and hung up in the name of Kishio Company. Zhuang Yu repeatedly approached Zhu Chi'er and asked him to take measures to erase this foreign appearance as soon as possible, but he did not cooperate very much; the company had some discount business, and it was also taken to the Development Bank to do it.

It turned out that this big debtor, who was regarded as a decent shareholder by Hubei Financial Services Society, had become indifferent to Hubei Financial Services Society since HN came back, and he had not received any deposits for several months. He is currently starting to operate the production and operation of the "dark Chen Cang" and the "golden cicada shelling" plan for asset transfer, the so-called "dark Chen Cang", is to change the original situation of only one Shenzhen Anyan Automobile City Co., Ltd. operation to a number of subsidiaries at the same time, on the surface Shenzhen Anyan Automobile City Co., Ltd. is still operating effectively, the factory site is slowly under construction, because the project is under construction, need to invest, so can not take out the money to repay the debt, in order to stabilize the borrowing bank. To this end, he approached the SC Provincial Foundation for the Disabled, and established a "joint venture" to set up Shenzhen VIE Investment Co., Ltd., which is still the legal representative of him, in the form of "his own money, and the latter is famous", and through this newly established company, he and his old company, Shenzhen Anyan Automobile City Co., Ltd., "jointly participated" in the establishment of a department store in SD Qingdao. Then, Zhu Chier started a new asset operation plan with his new company -- to go back and forth between Qingdao and Shenzhen to handle the discounting of large-amount bank acceptance bills. Zhu Chier's so-called wishful thinking of "golden cicada shelling" is to transfer all the assets accumulated in the past few years to the name of the newly established Shenzhen VIE Investment Co., Ltd., and participate in the construction and operation of Qianhui Building on Sungang Road. Subsequently, a number of secondary and tertiary companies were derived from the company in the form of holding and mutual participation, and these companies were no longer represented by himself, and then carried out business activities. Then, through two or three years of transition, the old company dies out naturally. The advantages of this are: First, the society knows that Zhu Chi'er is still engaged in large-scale business activities, so there is no need to worry that he will not repay his debts; second, if the creditors want to collect debts according to law, he will become a shell company that has no hair and no blood, except for the assets of the automobile city under construction.

With such wishful thinking, Zhu Chi'er was happy to ignore the old debt he owed to the Hubei Financial Services Agency!

Second, Zhou Kaige, who had guaranteed 59 million yuan for the Anyan Automobile City project, began to make trouble again and asked Hubei Financial Services Agency for money. This person's appetite is also getting bigger and bigger, from the original deposit of 5 million yuan, to now he proposes to counter-guarantee 30 million yuan, or Hubei Financial Services Society to provide a loan of 30 million yuan. This big man from the Northeast dares to say anything and open his mouth.

Third, the tight financial situation of the Hubei Financial Services Society is a headache, so it now holds a business meeting every two days to study the issue of organizing deposits. It's a pity that there are not many ideas, not many methods, and not many practical results. Moreover, the organizational methods of the credit department and the idea of absorbing deposits are often not in line with themselves, and basically everyone is consuming them.

Zhuang Yu sometimes thinks: "It took me four years of hard work for this financial service agency to open, and I didn't expect that after a year of operation, it would become such a dangerous situation." Alas, it's so hard to be the boss and do something!"

It was Sunday, Zhuang Yu had breakfast at home, and according to the agreement with Qin Xianhong and Chen Jiao, he came to the financial services agency, and then Xu Donghai and Xia came to discuss things.

When summer came, I saw that the above four people had arrived. Together, they study and deal with the audit matters identified in the audit.

After the study, Zhuang Yu and Qin Xianhong took Xu Donghai and Xia to Yijing Garden to find Zhu Chier and Xiao Yilin, who worked here, to discuss the issue of assisting Hubei Financial Services Society to eliminate business risks and credit risks.

Zhu Chi'er listened to Zhuang Yu's words, and after glancing at everyone, he said coldly: "You may not listen to what I say, my opinion is: withdraw the 10 million fixed deposits of Zhongshan Supply and Marketing Cooperatives that you have there in advance, then there will be money to spend?"

Zhuang Yu said: "The 10 million yuan is the collateral of the loan, and if it is withdrawn in advance, won't the loan be empty?"

Zhu Chi'er said angrily: "You are worried about being empty, then will you repay the loan?"

Qin Xianhong said: "Mr. Zhu, for the sake of our good cooperation in the past, now that our financial service agency is in difficulty, you have to reach out to help us no matter what." ”

Zhu Chi'er said: "If you want the horses to walk well, and if you want the horses not to eat grass, how can there be such a good thing? ”

In fact, Zhu Chi'er asked Zhuang Yu to withdraw the 10 million yuan fixed deposit slip that had been mortgaged to the Zhongshan Supply and Marketing Cooperative, which had been mortgaged to the Hubei Financial Services Cooperative, for early withdrawal. The kind-hearted Zhuang Yu couldn't have imagined that the deposit receipt stored in the safe of Hubei Financial Services Co., Ltd. had been taken by Zhu Chier and the person in charge of Zhongshan Supply and Marketing Cooperative, wrote a mortgage commitment, and got it to a Chinese automobile company in BJ to exchange it for the same amount of car parts, which achieved the deed of "one daughter promised two sons-in-law". In this way, if the Hubei Financial Services Society withdraws this mortgage (pledge) certificate of deposit in advance and uses it as a source of funds to repay the 8 million yuan loan that is off the balance sheet, then, first, the Hubei Financial Services Society violates financial laws and regulations and turns the original mortgage loan into a credit loan; second, once a certain China Automobile Company in BJ, which is the "second son-in-law," fails to receive the payment within the time limit and takes legal means to collect or report the case to the Public Security Bureau, the Hubei Financial Services Society will be involved in official wrongdoing. Third, on closer inspection, all parties are violating laws and regulations. As a result, it is even more difficult to collect the loans borrowed by Anyan Auto City Company from Hubei Financial Services Society. This is exactly what Zhu Chi'er is willing to see.

And Zhuang Yu, who is also in the center of the vortex, has been kept in the dark, and is still struggling with Zhu Chier, a famous actor who claims to be a "great man".

What a dangerous move......