"This design drawing is not bad, and the design is more practical. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 info" -- In the credit manager's office, Xu Donghai, Xia Xia, and Bu must have borrowed the design drawings of the Qingshuihe real estate project from Wu Liyuan, secretary of the board of directors of the financial services cooperative, and were analyzing and exchanging views.

"I think that although it is outside the second-line gate, it is actually diagonally opposite Honggang Garden, on the middle of the mountain. Summer said.

Bu must have smiled and said, "Let's call it 'Mid-Mountain Villa', how about it? The three of us will come to one set, and when we are sixty years old, we will get a crutch and come down from the mid-mountain with one limp at a time, and go up the mountain with one limp at a time." It was a good day. Buy!"

Summer said to Xu Donghai: "I said Lao Xu: when you and we both bought this house to live in, whenever the sun rises from the east coast, you stand on the balcony in pajamas and look at the morning with dizzy eyes, what you see in your eyes is: Shenzhen is the same color as the sea and sky, and you will think in your heart: human beings and nature are together; whenever in the dead of night, when you lie in bed and are no longer homesick, what you hear in your ears is: the pine waves and the sound of the wind coexist, and your heart will think: friends and true feelings are accompanied." At this point, you're no longer scared -- I think you can think about it. ”

Xu Donghai smiled and said: "First, I am naturally bold and don't know how to be afraid;

As soon as everyone said this, Zhuang Yu walked in and asked, "What are you looking at and laughing at?"

Xia said: "Isn't this the drawing of the 'Mid-Levels Villa' that Chairman Yang said, we are thinking about buying it, and we will buy it from the service agency?"

"Didn't think much about it. Zhuang Yu said: "You three managers are now with me to find Zhou Kaige." Leave right away. ”

So, the three credit managers followed Zhuang Yu out of the gate of Hubei Financial Services Co., Ltd. and got into the Mercedes-Benz.

After a while, I came to the Cheonan Building. Everyone got on the elevator and found Shenzhen Jinkaige Development Co., Ltd.

Zhuang Yu asked the company's office director about Zhou Kaige's whereabouts, and then called him directly: "Mr. Zhou, where are you?"

Zhou Kaige said: "I am on a business trip in Zhu*, and now I am rushing to Shenzhen, and I will be there soon. You call my chief of staff to speak on the phone. ”

The director of the office took Zhuang Yu's phone and listened to Zhou Kaige's face-to-face lecture. After a while, the director put down the phone and said, "Mr. Zhou will be here soon." He told me to show you the loan information first. After speaking, he took out a lot of information such as the company's appraisal report, loan certificate, and company statement.

In the summer, Xu Donghai checked it there, and Bu must have had a good chat with a young lady in the office.

After about ten minutes, Zhuang Yu asked Summer, "What do you think of the situation?"

Xia said: "Judging from the situation of loan certificates and asset statements, it is still okay. Now there is a problem, that is, the equity issue of their company's participation in Zhenzhen Building, if they can get his agreement, it can be more convincing. ”

Zhuang Yu said: "Okay, wait a minute, Mr. Zhou will come back and remember to ask him." ”

……

"Hello! Zhou Kaige finally arrived at the company at half past three in the afternoon, and as soon as they met, he greeted Zhuang Yu. He said: "I'm really sorry, I went to Zhuhai the day before yesterday, and yesterday a friend in Dongguan told me to have a meal with him anyway." No, if you eat, you'll be mistaken. I'm so sorry!"

Zhuang Yu said: "It doesn't matter. Instead, he asked Zhou Kaige: "What projects have you been working on recently?"

Zhou Kaige pretended to be very helpless and said: "You know, isn't it the Zhenxing Building in Shenzhen? Nearly 40 percent of the share is a mess. Last year, a few friends said: Help Baiyangdian, the old revolutionary area, desperately want me to pay money, and now I have more than 20 million yuan, and I didn't even hear the sound, so there is no play. Why? The current Baiyangdian Lake is no longer the Baiyangdian Lake during the War of Resistance Against Japanese Aggression, and there is no water. Will there be a noise when the money is dropped?"

Zhuang Yu nodded. said: "Mr. Zhou, we are here today because we told you on the phone a few days ago, and I asked you to guarantee the 59 million yuan loan of the Shore Tail Development Company. What do you think?"

Zhou Kaige said: "There is no problem! I have never been ambiguous in sticking a knife in the ribs for my friend. What's more, Mr. Zhuang is also an old friend, and he has helped me a lot in the past, and he must have a favor this time. ”

After speaking, he heard Zhuang Yu say: "We still have many opportunities to cooperate in the future." ”

Official: This week, Kaige is a native of Northeast Ji*, with a height of 1.8 meters, and a thin body, judging from his figure, it is estimated that the waist board cannot support the long upper body, so that when he stands up, his back and head are slightly bent forward. When he walked, he lowered his head with a thoughtful look, and from time to time he muttered to himself like a word. He has a long pony face on his neck, like the sign of the team held up by the master of ceremonies at the sports meeting, which is very easy for you to recognize. There is a small forehead gate above the long face, and in the middle of the two raised cheeks in the middle of the long face, hangs a taller, pointed olecranon nose, and from the nose up, there are small triangular eyes hanging at each end of the base of the nose (that is, the mountain root that the fortune teller said). When he was talking to someone, his eyes flickered and shone brightly, as if he wanted to recharge his brain through the flickering of his eyes, and everyone present would feel that there was a different scene. His skin was gray, and he gave the impression of being a little malnourished, and he could not be associated with him as a rich man who had made a fortune. I don't know what the reason is, Zhou Kaige has a car with an army license plate, and he always likes to sit on it when he goes out. But he never drove himself, and always sat in the second row of the sedan, and whenever he wanted to get out of the car, the driver always got out of the car after parking the car, opened the door in the second row, and put the handle below the upper limit of the door height, so that he got out of the car unhurriedly, and then walked in a full suit.

After a while, Zhou Kaige continued: "It's not me bragging, you see, right? My company's net assets are 140 million yuan, and what is the guarantee of 59 million? To be honest, I have the ability to guarantee 100 million. Mr. Zhuang, you can just ask them to handle this matter, and you don't need to walk around with your hands. ”

"Thank you so much for this!" Zhuang Yu said excitedly: "You helped me pass the test this time, I won't forget you!"

Xia has dealt with Zhou Kaige twice and knows that he is not such a bold person. Both times were allocated 5 million yuan each by Hubei Financial Services Society to the relevant bank to make loans to his company, and Zhou Kaige according to the agreement, each time to make up for the financial service agency tens of thousands of yuan of interest rate difference, but Zhou Kaige is not happy, fortunately he is the boss's customer, otherwise, let the manager hang his throat and wait for him to give alms to settle the account, how embarrassing it is to say how embarrassing it is. Xia thought: Now, he dares to bear the guarantee of 59 million yuan for other companies, and there are only three possibilities: one is that his company is simply a leather bag company with a false name, and the dead pig is not afraid of boiling water, so it is a big deal to close the door and leave; The third is the possibility that both of the above possibilities are available, that is: he is a leather bag company, and he can get a lot of benefits by using the leather bag company to guarantee a false shot.

……

When Xu Donghai returned to Hubei Financial Services Society, he was busy handling the procedures for Shenzhen Jinkaige Development Co., Ltd. to guarantee a loan of 59 million yuan from Anwei Company.

"Manager Xia," Ou Zhongzhong walked into the credit manager's room and told Xia, "the mortgage procedures of 38 Joint Stock Company have been completed. ”

Summer asked, "Did you do it together?"

"No," Ou Zhongzhong said, "yesterday we went to the Municipal Land Bureau together, and they didn't agree to handle it. Later, Mr. Chen said that they went to Nanshan to find someone to register. Took our materials and just got them back this afternoon. ”

After Ou Zhongzhong finished speaking, he showed the registered contract to Summer.

After reading it, two questions formed in Xia Xia's mind: First, why did the appraisal report also have a seal for mortgage registration, and did the personnel in charge of the Land Bureau at that time stamp the seal wrong? Second, why did the Municipal Land Bureau not agree to handle it, but the District Land Bureau agreed? Xia thought that Chen Shanwei should be asked in the future.

It turned out that when Chen Shanwei and Ou Zhongzhong went to the Municipal Land Bureau to go through the loan mortgage registration procedures that day, the Municipal Land Bureau saw that the collateral for the loan mortgage of the 38 Joint Stock Company was the N101234X land of Nanshanwo with an area of 5,000 square meters and a planning and design construction area of 38,000 square meters, which was a huge amount. Although there is a certificate of legal representative and a power of attorney issued by Nanshan Wuda Company, and the loan contract is notarized by the Luohu Notary Office, after several considerations, it is finally rejected on the grounds that the mortgage legal person visa has not been witnessed on the spot.

After leaving the Municipal Land Bureau, Chen Shanwei told Ou Zhongzhong that he would go to the Nanshan Land Bureau to go through the registration procedures, and the two did not contact each other again.

But said that after Chen Shanwei returned to the company, he thought in his heart: "This loan has been issued, and it has no impact if it is not registered, but it is just for the People's Bank of China to see, so that Mr. Zhuang and Manager Xia look good." In order to register, I had to mobilize Shen Gongbo of Nanshan Wuda Co., Ltd. to come forward, which made it appear that I was incompetent in terms of financing, which in turn affected the cooperative relationship with them. What to do?"

After being puzzled, he called his deputy, Yang Wuchang, and the two were discussing what shortcuts there were to solve the mortgage registration problem.

It is said that Yang Wuchang, as the deputy general manager of Shenzhen 38 Co., Ltd., is a "crooked talent" in business operations, and often does some business between red and yellow lights. After listening to Chen Shanwei's words, he patted his chest and said, "Mr. Chen, leave this matter to me, don't get involved." Wait a minute, I'll ask my friends at the bank to help me with this and try to get it done tomorrow. I think you just need to nod your head twice: one is that you and I will entertain my friend at noon tomorrow, and everyone will get a little drunk; and second, it may cost some money, and I don't think it will be much, even if it is 100,000 yuan!"

Chen Shanwei hesitated for a moment and said: "Although there is some blood, it is better than shaking the mouth of that old Shen, so let's do it!"

After Yang Wuchang left Chen Shanwei's office, he quickly made a phone call to Jia Zhen, a fellow villager who worked as a loan officer at Zhongye Financial Services Co., Ltd., who worked in the Trade Union Building on Shangbu Road, and asked him to assist in handling a mortgage registration business, which cost a lot of money. After Jia Zhen asked about the situation, he agreed, and immediately found out the pattern of the mortgage registration seal of the Nanshan Land Bureau from the existing loan contract and copied it, and then went to the talent market on Bao'an North Road, and on the sidewalk next to it, he spent 50 yuan to retrieve a "mortgage registration seal" of the Nanshan Land Bureau from an unemployed person who was in the engraving business. That night, he learned from Yang Wuchang and obtained the mortgage contract between Shenzhen 38 Co., Ltd. and Shenzhen Hubei Financial Services Society, and registered the mortgage at home.

The next morning, Jia Zhen made several phone calls with Yang Wuchang to show that he was working at the Nanshan Land Bureau. At twelve o'clock in the afternoon, Jia Zhen pretended to have just returned from the Nanshan Land Bureau and had lunch with Chen Shanwei, Yang Wuchang and others who were waiting at the Zhongyuan Hotel.

During the banquet, Jia Zhen said: "In order to complete the registration of this loan mortgage, I checked a lot with the related people in Nanshan last night, so that I can get the contract back today." ”

After hearing this, Yang Wuchang said: "It's hard work, our President Chen won't let you go in vain." ”

At this time, Chen Shanwei took out a cowhide envelope that looked bulging, handed it to Jia Zhen, and said to him: "This is your labor fee, we talk about it, thank you for your help." ”

……

At this lunch, Chen Shanwei and Yang Wuchang were so drunk that their faces were still red when they came to Hubei Financial Services at about 2 o'clock in the afternoon. They didn't want Summer to see their respective drunkenness, so they found Ou Zhongzhong and left Hubei Financial Services after handing over the loan contract.

Although Xia Xia, who had seen the mortgage registration procedures brought by Ou Zhongzhong, had doubts, he still handed over the loan contract and other materials and real estate certificates to the archivist Liu Yinggui for filing.

Later, due to the increasingly fast pace of work in the summer, he was entangled in trivial matters all day long, so that he did not ask Chen Shanwei about the mortgage registration again. Half a year later, Jia Zhen, who had helped with the mortgage registration procedures for this loan, left Zhongye Financial Services Society inexplicably, some said that he retired because he had something to do with the case involving Shao Min, another corner of the book, and some said that he went to Guangfa Bank to resume his old business, but there was no way to investigate.

That is, in the process of going through the mortgage registration procedures for this loan, Ou Zhongzhong, as the handler, left his post halfway and did not follow up the whole process, so that the borrower came back with a fake registration procedure. Although there were some doubts when the summer received the contract, they did not investigate it in time, so that everyone was kept in the dark and passed the audit and review of the People's Bank of China. However, what is fake is fake, and if the mortgage registration is not completed, it is not done. The most terrible thing is that Zhuang Yu, Xia and other core personnel of Hubei Financial Services Co., Ltd., who are in the dark, plan to increase loans to Shenzhen 38 Co., Ltd. as originally agreed, which brings hidden risks to the loan security of the society, and will also leave a great regret for Xia, who is the person in charge of the loan department. What this company does may bring him endless troubles in the future, and it is really a mountain rain that is about to come and the wind is full of buildings!

"Di Di Di, Di Di Di ......", when the afternoon was about to get off work, the summer science machine rang non-stop. Summer saw that it was not a Chinese message, so she replied: "Hello, which department 8295?"

The other party asked, "Are you Manager Xia of Hubei Financial Services Agency?"

"I am, who are you?" asked Summer.

The other party said: "I am from Zhongshan Supply and Marketing Cooperative, didn't we deposit money with you? I want to invite you out for dinner. ”

Xia said: "When you arrived in Shenzhen, why didn't you come to our financial service agency to have a look?"

"I'll tell you the truth, the service club is too talkative, and it's not very convenient. I have just arrived in Shenzhen, and I am not familiar with Shenzhen, so where to meet, please give me an address. Manager Zhang said.

"I'm sorry, I didn't approach you for your deposit. What do you want to know from me?" asked Summer.

Manager Zhang obviously lowered his voice and said, "I want to ask you separately about Lao Zhu of Anyan Automobile City Company. ”

Summer was silent for a moment, and her mind raced to think: "To see or not to see, where to see it, and what malice is there in the visitor?"

The other party found that Xia didn't speak, and was worried that Xia wouldn't see him, so he said, "Manager Xia, you must give me face." They told me that you were the most knowledgeable. ”

Summer finally said, "Okay, let's meet at the Chinese restaurant on the second floor of the Tianxin Hotel." I'll call you at the door of the hotel, do you think it's okay?"

"Okay! ”

In the summer, I first returned home, waited for Fan Ting to get off work, and told her: "The Zhongshan people who have a relationship with the CEO of Anyan Company invited me to dinner at the Tianxin Hotel, saying that they wanted to know some about Lao Zhu. But I didn't know him, I went to the hotel for two hours. If you don't come back, you can go to the second floor and have a look. ”

After the instructions, Summer still held the briefcase, as if she had just arrived at the hotel from the financial services agency. When I arrived on the second floor of the hotel, I quickly found Manager Zhang, who had chosen to sit next to the wall platform of the hotel.

Summer said, "Hello, Manager Zhang. ”

Manager Zhang said: "I really don't want to bother you." How is Lao Zhu now?"

Summer said: "I really don't know his current situation. Didn't you go to HaiN?"

Manager Zhang said again: "Didn't we deposit a few deposits with you, and they are still there, right?"

Summer asked rhetorically, "Why aren't you there? What did you hear?"

"That's what I think," Manager Zhang explained, "because when we made the deposit, we didn't come forward, and Lao Zhu did it all one by one, and I was worried that Lao Zhu would have an accident and use our savings to pay off the debt." ”

"No!" Xia said, "I don't know what the business relationship between you and Lao Zhu is, but you and he are another legal person, and if you want to move your deposit, you must agree." You can rest assured of that. ”

However, what makes Xia unimaginable is that I don't know whether this manager Zhang is intentional or unintentional, this deposit has been made as a transaction of "one woman and two sons-in-law", and it is mortgaged to Hubei Financial Services Co., Ltd. At the same time, it also wrote a promise to mortgage to the China Automobile Company in City B, and bought a lot of auto parts on credit for Shenzhen Anyan Automobile City Co., Ltd. -- This is what the Hubei Financial Services Society is still keeping in the dark.

At this time, Manager Zhang asked, "Manager Xia, what should we eat tonight?"

Summer smiled and said, "Just eat whatever you want." ”

So, the two asked for a few dishes and had dinner. During the banquet, the two sides also asked some related questions, and they answered in a fog, unable to explore each other.

When I came home in the summer, I wondered: He called me on the plane, which means that someone told him that he was looking for me, so who is this person? Did the questions he asked fulfill the purpose of his coming to Shenzhen to find me? Is he worried about the safety of his deposits, or is he afraid of something else?

If you want to know what this manager Zhang of Zhongshan Supply and Marketing Cooperatives is afraid of, you have to use a small effort to peel off the cocoon and slowly narrate.