Last time, I mentioned that Xu Donghai found a company to do discount business, and the registered address of the acceptance enterprise and the guarantee company was the office location of Shenzhen Anyan Automobile City Company, which aroused the vigilance of the summer, and I thought: "This old Xu, the acceptance company I got last time was Anyan Company, and my name is Wang Yang to imply that he retreated in the face of difficulties and withdrew all the information." Pen ~ fun ~ Pavilion www.biquge.info this time the old trick was repeated, and two companies of Anyan Company were brought in, and they were bold enough. And he didn't greet me at all in advance, he signed in the product development department, and directly handed the materials to Wang Yang's hand, waiting for me to agree. Then, he has two levels of problems: one is that he dares to take the enterprise of the Anyan Company to the Hubei branch to do the asset business, which is a big taboo under the current situation that the city treats the Anyan company problem as a fraud case; and the other is that he dares not to take others seriously, as if he must do it, and he is determined to win. Is it the support of the president? ”

Summer decided to find out if Chen knew about the homework first.

In the afternoon of this day, Xia Xia came to Chen's office, and before he sat down, he asked straightforwardly: "President Chen, Lao Xu has made a discount business of 20 million yuan and sent it to me." Did you know about this beforehand?"

Chen replied: "Xu Donghai once asked me whether to do it or not, and I asked him: 'How about the materials?' and he said, 'It's basically complete,' and I told him: 'It can't be basic, but it must be complete.'" ’”

Summer asked again, "Have you been in contact with these two companies?"

Chen Jiao felt that Xia asked a little too much, but it was also inconvenient to get angry, and asked, "What, is there any problem?"

Summer said: "I just want to judge how determined you are to do this discount." ”

Chen Jiaojiao did not answer Xia's question directly, but said unhappily: "You check first, see how the company is doing, and then report to me." ”

Summer said, "Okay. ”

Summer returned to his office, fiddling with the data file and the computer query list of the Industrial and Commercial Bureau, while debating and writing a document for the two presidents. He bit the tip of his pen for a moment, and then wrote:

Confidential documents, pay attention to confidentiality.

On the review of the credit business of Shenzhen Huanxin Company and Shenzhen Qianhui Company

President Wang and President Chen:

On the afternoon of December 17, the product development department of the sub-branch submitted to the examiner of our department the materials of Shenzhen Huanxin Industrial Co., Ltd.'s bid for 20 million yuan of acceptance and discount business. After a preliminary examination in the afternoon of the same day, our ministry proposed that "the form of the report is not correct" to return and rereport. In the afternoon of the same day, he will re-report to the Capital and Credit Department. The relevant information found in the review is hereby reported in writing as follows:

1. Shenzhen Huanxin Industrial Co., Ltd. and Shenzhen Qianhui Industrial Co., Ltd. have an indissoluble relationship with Anyan Automobile City Co., Ltd.

As far as I know, Shenzhen Huanxin Industrial Co., Ltd.'s intention to establish a credit relationship with our bank began three months ago. At that time, the product development department submitted a material (to be discounted) to Comrade Wang Yang. Then, Comrade Xu Donghai briefed me on the situation of his predecessor company, Qianhui Company, and said: "The company has strength. "I was familiar with the name of "Qianhui", and later checked the relevant work records, and learned that in May this year, our bank seized the property purchased by the company in Qianhui Building because of the company's problems. Out of prudent consideration, our department secretly went to the Municipal Bureau of Industry and Commerce to inquire about the registration materials of Shenzhen Huanxin Industrial Co., Ltd., and confirmed that the company was related to Anyan Company. Out of love for Xu Donghai, on the premise of taking care of his face, I asked Wang Yang to euphemistically point out that the company was implicated in Anyan Company. Later, Comrade Xu Donghai took the initiative to retrieve all the application materials. Unexpectedly, three months later, "Liu Lang came again today" asked our bank for funds again.

It has been ascertained that:

1. Shenzhen Qianhui Industrial Co., Ltd., a shareholder of Shenzhen Huanxin Industrial Co., Ltd., is registered at the time of its location as the office of Anyan Company (see Annex 1 and the Articles of Association) No. X of Yijing Garden Orchid Village and No. X of Peony Village.

2. When the Bao'an Public Security Bureau detained the car of Anyan Company, all three cars were obtained from Qianhui Company.

3. After the product development department submitted the discount business, the headquarters further ascertained that Shenzhen Qianhui Industrial Co., Ltd., Shenzhen Huanxin Industrial Co., Ltd., Shenzhen VIE Investment Co., Ltd., Shenzhen Fenfa Industrial Co., Ltd., Shenzhen Anyuan Trading Co., Ltd., and Shenzhen Dafu Industrial Development Co., Ltd. are all enterprises of Anyan Company (see Annex 2).

4. It is also understood that during the investigation of the two companies, Shen Ping, who participated in the investigation, was unwilling to sign the investigation form, so Xu Donghai immediately asked Chen Lu, who did not participate in the investigation, to sign his name as one of the investigators.

2. The financial status of the two companies.

Generally speaking, there are many loopholes in the financial statements provided by the two companies, so why were they able to hook up the ×× Development Bank and another commercial bank in the city and discount a large amount of funds? This point has already caught my attention after Comrade Xu Donghai exchanged views with me three months ago, and I said: "I listen to the operation methods you have said are very similar to those of Anyan Company, and the key is to find out why the company is doing this and whether it has anything to do with Anyan Company. ”

The main financial issues of the two enterprises are:

1. The company started operating after February 1998, but it has made a lot of money in 97 years, and has inflated the share capital regardless of the basic provisions of the financial system. For example, Shenzhen Huanxin Company was established on July 28, 1998, and the registered capital was still 3 million yuan as of December 21, 98, but the owner's equity has increased to 6.79 million yuan. Shenzhen Qianhui Industrial Co., Ltd. is even more outrageous, the company's legal representative Huang Deming on December 10, 1998 on the official seal confirmation certificate indicates that the company was established on February 13, 98 (see Annex 4), its original official seal was engraved on January 16, 1998, but as early as December 1997, it achieved sales of 34.486 million yuan and a profit of 5.17 million yuan. From January to November this year, it showed a very valuable and strong ability to resist the Asian financial turmoil, and was able to stand out in Shenzhen, achieving sales of 249.32 million yuan and profits of 23.856 million yuan.

2. What is even more outrageous is that Qianhui Company as of the end of November of the statement range, using the bank's credit to obtain 272.78 million yuan of acceptance and discount, according to common sense, there should be this number in the short-term loans and notes payable in the liability account, but the total debt is only 34.9 million yuan. On the other hand, in the asset item, the increase in inventory is realized through the acceptance of bills. If sold, it means a decrease in inventories and an increase in accounts receivable and bank deposits. But its total liquid assets are only 83.728 million yuan. Among them, the copy of the statement of the ×× Development Bank indicating the balance of bank deposits can be determined to be altered (see Annex V), so the assets are 12.026 million yuan less. In other words, the bank and related enterprises gave the company more than 272.78 million yuan, while the account reflected that it was less than 72 million yuan, and it was possible to transfer assets of 200 million yuan.

3. The company's financial difficulties are obvious. The record of the normal income of the enterprise can not be seen from the settlement list, and its acceptance period is concentrated in December this year and January and February next year, and in the six discounts of 72.38 million yuan that have expired in the ×× Development Bank, 4 51.428 million yuan have been repaid, and the preliminary judgment is to maintain the repayment record in the form of new bills. There is one business that is puzzling: According to records, on November 20, 1998, Qianhui Company discounted 14 million yuan in commercial acceptance bills and 14 million yuan in deposits at the ×× Development Bank. In addition, in the business of exchanging new tickets for old tickets, the amount of 10 million yuan is an example, and the latter is 300,000 yuan larger than the former, which shows that it is not easy for the company to maintain the game of demolishing the east wall and making up the west wall.

3. Views and Suggestions.

The acceptance and discount business of the above two enterprises is non-commodity transaction financing, and it is recommended not to touch it. When we think of the 4×100-meter relay race on the sports field, maybe the first and second sticks are good, but there is always a third and fourth stick to clean up the situation, and the outcome is difficult to predict.

However, this report may open up another world for our bank's harvest work next year: we have found the sons and grandchildren of Anyan's "old man", and if we know where they live, we can go to the door and see their families. And see if there is anything in these families that can be used to pay off the debts of their father or grandfather.

Another view of mine is that I have been working in the Hubei sub-branch for five years, and I have a deep affection for my colleagues who have come from the financial services agency, including Comrade Xu Donghai. This year has been an eventful year for our bank, and when I saw Comrade Hong Hu of the Public Security Bureau taking Lao Xu away with my own eyes in the parking lot, he turned back from the president's office and walked down the open-air stairs step by step with a pale face. At that time, in my mind, a feeling of "sending my comrades-in-arms, embarking on a journey, and silently crying tears" suddenly turned into a sour feeling in my heart. Afterwards, I talked to Comrade Donghai about the incident, and he also said that he saw my expression. Of course, I can also understand the governor's mood when I was questioned by the political and legal organs. It's like the "farewell meal" that everyone eats together after a meeting at Xili Lake. I would also like to say that, as a witness to history, I have not forgotten that when Anyan Company suddenly increased its loans in large amounts, Comrade Ye Lao, as the general manager of the credit company, privately consulted me, and then, according to my views, expressed his different opinions to the leaders of the service cooperative. This year, during the investigation of the Anyan Company by the political and legal departments, when Lao Xu talked with me, he repeatedly exclaimed that "whoever gets involved with Lao Zhu is unlucky". However, there is such an irony in the matter, as the central authorities have circled the issue of the Anyan Company that "must be seriously investigated and dealt with" has not yet come to an end, and when the retrial of its loan dispute case is about to begin, Comrade Xu Donghai, as one of the parties concerned, dared to send the enterprises of the Anyan Company to the Hubei branch that suffered greatly for financing again.

Considering the complexity of society and the mentality of enterprises and relevant personnel to handle this business in violation of the norm, it is recommended to deal with a series of problems caused by this business prudently.

Treasury & Credit Department: Summer Day

21 December 1998

After writing it in the summer, I didn't send it to the president's office immediately, but tried to avoid bad consequences due to my possible impulsiveness, and treated it coldly.

The next morning, Xu Donghai couldn't sit still, came to Xia's office and asked, "Lao Xia, how about that acceptance discount?"

Xia glanced at Xu Donghai, quickly looked away, and then asked him casually: "Are these two companies very familiar with you?"

Xu Donghai replied vigilantly: "I don't know very well, there is a fellow surnamed Gu who works in the company." After speaking, he looked at the summer, and then continued: "It's acceptance, not a 20 million yuan loan, and the company is also doing things, decorating the shopping mall." ”

Summer asked again, "Do you know them well?"

Xu Donghai obviously had a reflexive effect on Xia's constant questioning about his relationship with these two companies, and it is estimated that Xia was investigating something. Because according to the convention, the summer work is one one, two is two, and it is very simple. For this, the loan households who are looking for summer work have a good reputation.

Seeing that Xu Donghai didn't answer his question directly, Xia no longer embarrassed him, and said to him: "The information has been given to the president." ”

Xu Donghai immediately left the summer office.

After Xu Donghai left, Xia thought: "He still hasn't told the truth." It seems that he desperately advocated that the capital and credit department should not contact enterprises for this purpose a while ago, but he also underestimated my business level. In that case, I should send my comments to the president. So, he re-read what he had written yesterday and felt that there was nothing wrong with it, so he sandwiched the information together with the "Review of the Credit Business of Shenzhen Huanxin Company and Qianhui Company" written by himself and sent it to Chen Zuo.

It is said that Chen Homework read what Xia wrote, and cold sweat broke out on his forehead, and he said to himself: "No wonder Xia asked me all the time, it turned out that he wanted to block my retreat." I was almost put into a sleeve by Xu Donghai. Then he thought: "Summer is also weird, suspecting that I am having an affair with the Anyan Company." It seems that I still have to find a way to make him feel that I have nothing to do with this matter. ”

Therefore, Chen Jiao found out the list of second- and third-level enterprises run by Anyan Company from the annexes provided by Summer, and drew a relationship chart as an explanation to him when exchanging views with Summer another day.

This diagram is:

Level 1:

Shenzhen Anyan Automobile City Co., Ltd. Office address: Aiguo Road Yijing Garden Orchid Village NO-X. (Anwei Village, Bao'an).

2nd Floor:

Shenzhen VIE Investment Co., Ltd., Shenzhen Qianhui Industrial Co., Ltd., Shenzhen Anyuan Trading Co., Ltd.;

Level 3:

Shenzhen Fenfa Industrial Co., Ltd., Shenzhen Huanxin Industrial Co., Ltd., Shenzhen Dafu Industrial Development Co., Ltd.

After Chen finished drawing, he personally went to the confidential room to make four copies, and then settled down, thinking to himself: "In this way, when Wang Xianyao arrives at the branch, he can also make an errand." (To be continued.) )