After Xia finished speaking, he left the president's office, came to his office, opened the iron filing cabinet, took out a soft copy with the cover of "Deposit and Loan Linked Deposit and Loan Business Working Papers", quickly flipped to the organization deposit part, and found the record of Shekou Port and Shipping Company's deposit of 10 million yuan, and saw the words "38 Company transferred to Anyan Company" written in the remarks column, and at the same time, the page also posted a request written by himself at that time and approved by Chen's work. Pen Fun Pavilion wWw. ｂiquge。 ｉｎfo

After watching it, Summer breathed a long sigh of relief and said confidently: "I said, things won't be unfounded!"

It turned out that on October 24 of that year, in the summer, seeing that Shenzhen 38 Joint Stock Company was no longer able to go through the procedures of borrowing new loans and repaying old ones at the People's Bank due to the obstruction of the head office, in order to retain the deposits, he wrote a request to Wang Xianyao and Chen Jiaojiao to solve the problem of introducing deposits organized by it. At that time, Summer wrote in a written request:

"Shenzhen 38 Co., Ltd. transferred 10 million deposits on October 17, first made up the interest rate difference of more than 18‰, and the original loan was turned into a regular term and made up the interest rate difference. According to the company, there is no money to make up for it now, and their company's loan procedures are also blocked in the head office. It just so happened that Anyan Company also wanted to borrow new loans of 8 million yuan to repay the old, but there was no deposit. This course suggests: the interest rate difference within 18‰ of the deposit shall be paid in advance by Anyan Company, and the amount on the receipt shall be calculated as follows:

(18‰-9.15‰) × 10 million yuan× 12 months = 1.062 million yuan.

Is it okay? ”

On the day of writing the report, Chen Jiaojiao agreed to the summer plan after discussing with Wang Xianyao, and Chen Jiajiao personally wrote the operation plan: "Anyan Company will transfer the difference check back to the 38 Joint Stock Company to the depositor, and the service society will give the Anyan Company a receipt, and the 38 Joint Stock Company must also issue a receipt to the service cooperative." ”

After checking that there was Chen Job's instructions in the summer, he came to the president's office with a notebook and said to Chen Homework confidently: "President Chen, this is approved by you personally, why don't you even have a little impression?"

After speaking, he showed the content of the report to Chen Zuo.

Xia saw Chen Jiao's face blushing slightly after seeing what he had approved, and then continued to explain to them: "Shenzhen 38 Co., Ltd. transferred 10 million deposits on October 17, and first made up the interest rate difference of more than 18‰, and there was no money to make up for it, and their company's procedures for borrowing new loans and repaying old loans could not be handled in the head office. At that time, Anyan Company also wanted to borrow 8 million yuan to repay the old, but the deposit did not arrive. As a result, on the 24th, I asked President Chen to pay the interest rate difference within 18‰ in advance from Anyan Company, and the amount of the interest rate difference on the receipt was exactly 1.062 million yuan according to the formula.

On the same day, President Chen signed and agreed to my plan, and requested: Anyan Company to transfer the spread check back to 38 Joint Stock Company to transfer to depositors, and the Financial Services Society to Anyan Company to issue receipts, and 38 Joint Stock Company to issue receipts to Financial Services Society. The next day, Shekou Port and Shipping Company converted 10 million yuan into a fixed term. Later, on November 1, Anyan Company handed over all the materials for the loan and prepared to make a pledge loan of 8 million yuan for deposit receipts. After several twists and turns, on November 30, Vice President Feng Laodao of the head office summoned Yi Muzi, Wan Zhongyi and the two of you to participate in the discussion, and planned to use the new deposit certificate as collateral to go through the procedures for borrowing new money to repay the old one. On December 13, Vice President Feng Laodao called me and asked for clarification because the legal relationship between the pledgee and the holder of the mortgagee's certificate of deposit was unclear and unfounded. In the afternoon, the three of us went to the head office to explain, but the head office thought it was still unclear. On December 20, it was decided not to make a mortgage. On the 24th, the 8 million yuan fixed deposit certificate was withdrawn in advance, and after being transferred to the account of Anyan Company, it was used to pay the interest rate difference as the support of Anyan Company to Hubei Branch. Although Anyan Company did not make a loan, because the 10 million yuan fixed deposit was considered as its organization, President Chen also approved the reduction of the overdue interest on Anyan's 10 million yuan loan from 18‰ to 12‰, while the loan interest rate of 38 Joint Stock Company did not decrease.

Can you remember what I said?"

Wang Xianyao secretly admired him for his carefulness, preparedness, and a reliable colleague and subordinate, but on second thought, he was also a formidable opponent. If he is allowed to know a lot of sensitive issues, as now, even Zhuang Yu has forgotten all about the problems of the original financial service society, but the summer is still fresh in his memory, and it will not be difficult to entangle him in the future? Lao Xia is still serious in his work, and he has a solid basis for recalling. ”

Xia Interface said: "To be honest, not only do I have working papers on the deposit issues I handle, but I also have their written basis for Lao Bu and Lao Xu's deposit and loan linkage, and the corresponding customers who use loans to lead deposits. ”

After Xia finished speaking, he was still a little unhappy in his heart, feeling that President Wang and President Chen were singing and harmonizing, acting as if they were playing double reeds, and they didn't know what medicine was sold in the gourd. I thought to myself, "If I didn't have a written record, wouldn't a scene like today's be a fight?" And the deposit spread certificate that the acting governor just wrote could actually become a lever for future generations. ”

After listening to Xia's words, Chen Jiao felt that this interest rate difference was clear, "But, Xia is a veteran, who knows what kind of deal he has behind it with Chen Shanwei of 38 Joint Stock Company?" -- Chen Jiao thought to himself.

Summer found an opportunity to leave the president's office and return to his office.

Xia thought of Chen Jiao's demeanor when he mentioned the receipt issued by the financial service agency, which reminded him of a detail about handing over the manager of the economic information company he was serving when he was about to be transferred to Shenzhen.

At the time of his handover, the accountant Fen'er and the head of the audit unit of the sub-branch first checked the accounts, cleared the accounts receivable and payable, and then made a register and handed them over. At that time, a summons for a receivable of 5,000 yuan was found and transferred to the savings bank, and the head of the audit unit of the branch hurriedly asked: "What's going on?"

It's no wonder that Fen'er is so young and forgetful, and she can't answer for a while. As a result, it immediately became a problem and was reflected to the new president. And this president is precisely Summer's rival, and before he was promoted, he was a member of the three-person leading group of the branch with Summer. At this time, he thought that he had discovered the economic problems of the summer, and he was very excited, thinking that the show was about to begin.

At noon that day, Fen'er secretly came to Xia Xia and told Xia: "The branch found out the 5,000 yuan we allocated and reported it to the president." ”

Summer said, "When was that summons?"

Fen'er said the month of solstice, and Summer said, "You don't have to worry, it's okay." At the beginning, in accordance with the requirements of the city company, in order to avoid the problem of income tax, we disposed of the money to the savings bank, and prepared to buy water heaters for everyone. Draw back two summonses and show them them, no. What will be wrong with us personally?"

In the afternoon of the same day, in front of everyone, Summer put the two summons out and told the reason, and the president suddenly looked like a deflated ball, and he couldn't get excited anymore.

Seeing him like this in the summer, he said again: "Look at my account, there are still 60,000 yuan in the manager's fund, if other branches in the city's system have already been divided, that is, the branch where I am the manager is still untouched." If you think about it, I have the right to move and the money that can be moved has not been moved, so why would I go to the idea of money that cannot be moved?"

A few words, the line chief blushed and his neck was thick, and his ass was as uncomfortable as pins and needles.

……

After going to work the next day, Xia received a telephone call from the Provincial High Court, saying that it was asking the Hubei branch to supplement the explanation of the real estate treatment of the mortgagee of the Knorr Hotel, the Huanglong Hotel, that is, whether its mortgage liability could still be fulfilled. The court asked the bank to provide it as soon as possible, and after it was completed, it should be faxed to the provincial high court first, and the original copy should be sent by registered mail. The verdict will be on the horizon.

In the summer, he came to the president's office to ask for the advice of President Wang Xianyao. After hearing this, Wang Xianyao said: "Let's just say that the Huanglong Hotel has been dealt with, and the court will make a judgment." ”

So, in the summer, he wrote a statement about the completion of the disposition of the mortgaged real estate of the Huanglong Hotel by the court, stamped it, and faxed a copy to the Provincial High Court, and the original was ready to be sent to the Provincial High Court by registered mail.

At about nine o'clock in the morning, Hong Hu and the police came to the president's room again, and after greetings, he went straight to the point and said to Wang Xianyao: "President Wang, we are here today to understand the situation of the receipt I said yesterday and what is going on. ”

Wang Xianyao said: "I asked Manager Xia to come and talk to you. After speaking, he called Xia and Chen homework respectively and called the two of them over.

When the summer came, Wang Xianyao said to the summer: "Old Xia, Team Leader Hong wants to know about the receipt that was verified yesterday, you can introduce it." ”

Summer said, "Okay. ”

Xia glanced at Hong Hu and said to him: "At that time, although the Hubei Financial Services Society had just been taken over by the Citizens Bank, all the business methods were still the same as those of the Financial Services Society. Before October 95, Shenzhen 38 Co., Ltd. and Anyan Automobile City Co., Ltd. were ready to borrow new loans to repay old loans. At that time, the 38 Company organized more than 30 million fixed deposits to come in, but the loan procedures were stuck when they were completed at the head office of the People's Bank in late October, and they could not be done. However, a few days after the last deposit it organized was brought in, it had not yet been converted into a fixed term, which was 10 million yuan from the Shekou Port and Shipping Company. The interest rate difference of the deposit below 18‰ per month is not made up to the depositor, and if it is not made up, it means that the deposit will go. Therefore, in order to deal with the aftermath of the deposits organized by the 38 Company, which no longer makes loans, the credit department used the deposit as the deposit that Anyan Company was ready to borrow to repay the old, and discussed that the interest rate difference below 18‰ would be made up by Anyan Company. This matter was originally studied by the sub-branch, and it was based on words, not a personal act. ”

Hong Hu asked: "So, has Anyan Company borrowed the new and repaid the old?"

Xia said: "Anyan Company originally planned to borrow the new to repay the old 8 million yuan deposit certificate pledge loan, but it also grinded with the head office for four months, on the surface entangled in some trivial problems of the deposit certificate, in fact, because Zhu Chi'er is famous, and the men in the credit office of the head office are good monkeys, and they are unwilling to take this hot potato, and they can always find reasons to push, delay, and refuse to sign, and at the end of December, they finally decided not to approve. Then, the deposit of the receipt issued by our service cooperative, the check given by the Anyan company, and the transfer from the service cooperative to the 38 joint-stock company, and the 38 joint-stock company issued the receipt to the service cooperative, will be counted in the head of the Anyan company. Although the bank did not repay the old by borrowing new money, in return to Anyan Company, it still reduced the interest rate of Anyan Company's 10 million overdue loans from 18‰ to 12‰. After calculating the accounts, Anyan Company did not suffer much loss. ”

After hearing this, Hong Hu said with a smile: "It seems that the bank's business is complex enough, and it is difficult for me to understand it in my life." ”

At this time, Chen Jiaojiao said: "The situation that Manager Xia just introduced was indeed like this at that time. ”

Hong Hu said: "I believe it. In this way, the line will write down the situation just mentioned, stamp it, and I will take it back and pay it off. ”

So, Wang Xianyao said: "This explanation was written by President Chen. Manager Xia, you attach the original request and the receipt of the 38 Joint Stock Company, indicating that it was what it was at that time. Team Leader Hong, do you think it's okay?"

Hong Hu smiled and said, "Okay, I have absolute trust in President Wang. You're also our old leader, can I be disobedient?"

So, Xia and Chen withdrew from the president's office and went to their own business.

In this way, Wang Xianyao deliberately pushed him to the front line in the two cases of dealing with the deposit spread problem of the personnel department and finding out the interest rate spread receipts of the Anyan Company, whether he knew it or not, and he himself was in a maneuver where he could attack and retreat. People know that the targets of these two business cases are the city's discipline inspection and political and legal departments, and they must not be careless. The reason why Wang Xianyao did this cannot but be said to be the result of his years of officialdom experience. On the other hand, in the summer, although he was vigilant, he still accepted the tasks assigned by Wang Xianyao as he respected Zhuang Yu back then, and only tried to do things meticulously so as not to have any flaws.

Next, there may be even more strange things to do in the summer. (To be continued.) )