On the morning of July 9, 1994, Zhuang Yu led Qin Xianhong, Xia and Chen Shiqing to attend the board of directors. www.biquge.info The meeting was held in the conference room on the second floor of the headquarters of the Cai family company, and Yang Oran was obviously very active in the meeting, among the six shareholders, the legal representative of one shareholder was in the United States, and a minister of enterprise management was sent to attend, and the representative of the Kishio company was attended by Shi Wanli, and the rest were legal representatives.

At the beginning of the meeting, Yang Oran presided over the meeting and said: "Today, we are holding a meeting mainly to discuss the issue of our service cooperatives being inspected by the People's Bank of China. Before the meeting, I went to the People's Bank of China to find out that the problems of our service cooperatives are still quite serious, and one prominent problem is that there are too many loans to individual shareholders. Today, many comrades have also come to the service club. Is the meeting held in this way: first, to listen to the service cooperative's evaluation of the work in the past three months, and second, to invite shareholders to express their views. See what the board is doing. Mr. Zhuang, do you think it's okay to open like this?"

Zhuang Yu said: "Yes." ”

Yang Oran said again: "So, it's up to you to say it first?"

Zhuang Yu said: "Okay. ”

Then, Zhuang Yu took out his reading glasses and put them on, looked at the shareholders and said: "Directors, let me first explain: The People's Bank of China's inspection of our company is almost over, and no conclusion has been reached. Generally speaking, the People's Bank of China is our competent authority, and their coming to help us is not necessarily a bad thing, and we sincerely welcome it. Let me report on the work of the service agency in the past three months. ”

After speaking, he took out the written summary written by Xia and read it.

When Zhuang Yu finished reading, Jiang He of Shenzhen Natural Beauty Company said very seriously out of public intentions: "Mr. Zhuang, to put it in my heart, it doesn't matter if the bank concentrates on one customer and puts so much money, whether the company is a shareholder or not. You said, one of our shareholders only paid 3 million, and if we lose it, we will lose it. However, when a bank accident is a major event, it will have a big social impact, and in serious cases, it will also bring social unrest. When that time comes, I think your management team will have a share in the government's arrest and imprisonment. So, my opinion, you must take this issue very seriously now. ”

After Jiang He finished speaking, Shi Wanli, who represented the Anwei Company, immediately said: "Let me explain, as a shareholder, I am eager to go to the automobile city project, and I have borrowed so many loans, which has affected everyone and Zhuang Zong, I am really sorry." However, this time, the People's Bank of China investigated Mr. Zhu from top to bottom -- the boss of my Auto City project, not because of the Shenzhen Auto City incident, but because of his affairs in Guangzhou, and because of his old accounts. Please rest assured that I will not only repay the loan, but also repay it in advance. I'll explain it here first. ”

……

The meeting was held at nearly twelve o'clock, and Yang Oran felt that Zhuang Yu should be asked to do things for him, so he resorted to his usual tricks and said: "I think the shareholders have said everything they should say." As for how to deal with it, let's go back and discuss it later. How's that, do you agree?"

He looked at the attendees one by one and said, "If there is no opinion, then adjourn." ”

Zhuang Yu and the others took the car back to the service club for lunch.

In fact, Zhuang Yu still took Yang Oran to heart what he said about the next board of directors to discuss the decision. In the afternoon, Zhuang Yu immediately took Xu Donghai and Xia to Anwei Village to personally inspect the automobile city project.

In the car back, Zhuang Yu asked Xia very sincerely: "Lao Xia, do you think the board of directors will use this matter to adjust the legal representative?"

Xia replied earnestly: "Judging from the speeches at the morning meeting, including Mr. Jiang, who spoke the most fiercely, their intentions are still kind. I don't think it's going to be adjusted. ”

"Then I'm relieved. Zhuang Yu said. After a while, he said to Xia again: "Lao Xia, in the near future, you will also help deal with the problem of Anyan Company. ”

Summer said: "Things are done in one part, and it's not convenient for us to intervene in the second part, right?"

Zhuang Yu said: "The whole company is a game of chess, and the division of labor is not separated. If you want to help or help, everyone can work together if they are destined. ”

Xia and Xu Donghai didn't squeak anymore.

After coming back, after having dinner at the service club, Zhuang Yu, Qin Xianhong, and Xia got into the Mercedes-Benz car again and ran to the house of the gold and silver team leader.

Jin Jin and Yin live in the financial dormitory on Guiyuan Road.

His home is more simple than expected: except for a TV and a set of rattan chairs and sofas, it can be said that he has no long things. This can't help but remind the summer of visiting the homes of some leading comrades in the early years of the provincial organs and the provincial people's bank.

I think in the summer, it's good to be an old comrade, I have experienced a decade of pioneering cattle in Shenzhen, that is, ten years of entrepreneurship, and life is still so calm, not easy!

"He may have been transferred from Guangzhou at the beginning of the construction of Shenzhen. "Summer guesses.

Zhuang Yu came to Huang Jinyin's house, and Huang Jinyin was very polite to sit down, pour water, and have a smile on his face. Compared with his seriousness and persistence at work, it is a considerable contrast. Zhuang Yu explained his intention and asked the team leader to care more.

Jin Jinyin said: "The work on my side has been almost done, and the rest is for you to rectify by yourself." However, Mr. Zhuang, I still have to remind you that the problems that arise in the business still need to be paid great attention to. ”

Zhuang Yu immediately said: "Yes! Thank you for your concern and support. ”

Huang Jinyin said: "There is another problem, which is how to deal with the leaders of our bank. I guess at least the People's Bank of China won't sit idly by and send someone in. ”

Qin Xianhong asked uneasily, "Who kind of people are sent?"

Huang Jinyin said: "The leader has not yet been decided, aren't you just a mess in the accounts! Sending someone to arrest the sales department is not to help you." ”

"That's! That's. Zhuang Yu and Qin Xianhong both agreed on their lips. And in my heart, I thought: It would be difficult for a board of directors to coordinate, and it would be even more difficult for someone from the People's Bank of China to watch and make a lawsuit against the emperor.

Zhuang Yu came out of Jinyin's house, feeling uncomfortable and didn't speak.

Early in the morning, Jin Jinyin came to his office, put down his briefcase, took out reading glasses from his briefcase and put them on. Then, he carefully looked at the manuscript handed to him by the confidential officer, for fear of making a mistake. -- He proofread the audit documents of the Hubei Financial Services Society:

Acknowledgment of audit issues

Hubei Financial Services Society:

This audit found the following problems in your company:

1. The capital is not real.

The books of your company reflect that the six shareholders have invested 3 million yuan each, totaling 18 million yuan. In fact, the Shenzhen Bao'an Anwei Economic Development Company did not have funds in the account before the opening of your company, but your company advanced it with credit funds. After investigation, on February 1, 1994, your company transferred 3 million yuan from your account opened with a professional bank to the account of the Kishio Economic Development Company opened with the Futian Service Cooperative, and then the Kishio Company transferred 3 million yuan to the deposit account opened by the Futian Service Cooperative, which was opened by the company as the capital for the investment.

On February 17, 1994, Shenzhen Haodang Co., Ltd. transferred 2 million yuan (on behalf of Kishiwei Company to return the payment to your company) to your account in the overseas Chinese branch of China Merchants Bank, and your company issued a loan of 2 million yuan to Shenzhen Haodang Co., Ltd. on May 21.

On April 27, 1994, the Kishio Economic Development Corporation issued a cheque of 2 million yuan from the loan given to it by your company to repay part of the advance made by your company. At the same time, your company put the extra 1 million yuan on the "other payables" account.

2. Deposit issues.

As of June 20, your company has absorbed 227 demand deposits, with a balance of 22.78 million yuan. Among them, 118 households absorbed deposits beyond the range, accounting for 52% of the current deposit households, and the balance was 14.1025 million yuan, accounting for 62% of the current deposit balance. 47 fixed deposits were absorbed, with a balance of 272.03 million yuan, of which 10 were absorbed beyond the range, accounting for 21% of the number of fixed deposits, and the balance was 137.225 million yuan, accounting for 50% of the balance of fixed deposits. See annex I for details.

3. Loans.

1. As of June 20, your company has issued 10 loans, a total of 34 loans, with a total of 254.7 million yuan. A total of 8 transactions have been recovered, with an amount of 80 million yuan. There are still 10 households with a total of 26 loans, with a balance of 174.7 million yuan, of which 7 households have issued loans beyond the scope and 9 loans with a balance of 35.7 million yuan, accounting for 20% of the loan balance. See annex II for details.

2. A total of 5 loans were issued in violation of the provisions of the Interim Provisions on the Administration of Collective Financial Enterprises in the Shenzhen Special Economic Zone and the Implementation Measures for the Asset Management of Shenzhen Financial Service Cooperatives, which stipulate that the loan to a single collective legal person shall not exceed 30% of the share capital of the service cooperative, with an amount of 239.5 million yuan and an existing balance of 159.5 million yuan. See annex III for details.

3. In violation of the provisions of the "Implementation Measures" that the total amount of loans to shareholders shall not exceed 100% of the total capital, a total of 172.5 million yuan was issued to the two shareholders of Kishio Company and Today's Home Company, with a balance of 92.5 million yuan, which is 514% of the share capital of 18 million yuan of your company.

4. The mortgage procedures are incomplete. Your company has 6 loans with a total amount of 54.5 million yuan. It is mortgaged by real estate, and although there is a real estate certificate, it has not gone through the mortgage registration procedures with the real estate registration department.

5. The collateral is false. Your company issued 18 loans to Kishio Economic Development Company, with a total amount of 169 million yuan and a balance of 89 million yuan. It is secured by land, but there is no land use certificate and red line map.

6. Two loans totaling 5 million yuan secured by the equity of Shenzhen Today's Home Company and Kishio Company, the shareholders of your company.

7. The loan information and files are not sound. Some collateral does not have a positive copy of the insurance policy, some IOUs do not have an official seal, and some loans do not have an application form, purchase and sale contract, etc.

Fourth, accounting issues.

Your company's accounting is chaotic and you do not follow the accounting and financial systems.

1. The accounting is incomplete, and the profit and loss accounting is not true. Your company has posted 7.35 million yuan in "other receivables", and many of them are expenses that should be entered into other cost accounts according to the accrual system. Should enter but not enter, distorting the cost.

2. The use of vouchers is disorderly. At present, the account pages and vouchers used by your company include those of the Bank of China, the Industrial and Commercial Bank of China, and the Brother Service Society, which are very non-standardized.

3. Failure to adhere to the daily total score check.

4. There are many recopies of account pages, and they are not well kept.

5. Failure to keep accounts in accordance with regulations. Some accounts are not registered on a day-by-day basis, but are reflected in several transactions together.

6. The figures reflected in the daily statement of the course do not match the attached summons. For the same transaction in the same account, both the borrower and the borrower of the account daily statement omit the same number, so that the amount of detailed accounting is inconsistent with the amount of comprehensive accounting. In addition, it may be found that the aggregate amount of debit and debit incurred in the daily statement of each account on the day does not match the aggregate amount incurred in the aggregate daily statement.

7. The elements of the voucher are incomplete and the processing is not standardized. It also found that there was a discrepancy between the upper and lower case amounts.

8. The internal and external account verification work is not seriously adhered to. Since the opening of your company, you have not asked customers to send back the reconciliation receipt, and it is not clear whether the internal and external accounts are consistent.

For the above audit questions, please sign the opinion of the person in charge of your unit within five days, and return it to our group with the official seal.

Municipal People's Bank of China Audit Group

Team Leader: Gold and Silver (Signed)

July 12, 1994

After proofreading the gold and silver, he signed the words "gold and silver" in the proofreading column of the draft document, and suddenly found that his waist was a little sore, he stood up, made two chest expansion movements, and took a sip of water. Then, personally send the document back to the confidential person to print.