In the morning, he went to the head office in the summer to attend two meetings, one was that the original director of the planning department was transferred to the branch where Wang Huoju was located as the president, and the new director, named Wang Ming, wanted to make a keynote speech on the stage, and invited the heads of the planning and credit section of each branch to the head office for a meeting. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 The second is that Shen Lixia, director of the Legal Department, took the lead and invited the comrades of the Hubei Branch and the Futian Branch to discuss the lawsuit of Shenzhen Jinkaige Development Co., Ltd.

After attending the first meeting in the summer, I rushed to the legal office. At this time, Manager Yang Le of the Futian branch had been here for a long time. Summer immediately joked, "I'm sorry to leave you alone with the Commissioner for too long!"

Yang Le fought back: "Do you think I am the one who dares to attack the director?"

Xia ignored him, and instead asked Director Shen Lixia and asked, "Director Shen, Manager Yang didn't embarrass you, right?"

Shen Lixia also smiled generously: "No, you can rest assured." I have heard that you have been spoiled by Governor Wang, and you dare to offend anyone, and you dare to say anything. ”

Summer hurriedly pleaded: "Where did you hear this? It's not good for my progress! ”

Everyone made fun of it for a while, Vice President Feng Laodao came to the legal office, Shen Lixia immediately reported the situation to him, and then, asked Xia to introduce the causes and consequences of the Hubei Branch's guarantee for Jin Kaige Company. It can be seen that Feng Laodao seems to care more about this matter than anyone else, which is exactly the opposite of his attitude of asking the Hubei branch to give Jin Kaige a loan of 5 million yuan to Jin Kaige Company a few months ago.

Summer thought to herself: "This is the way of people who can eat well in officialdom! It is not easy for ordinary people to learn and even achieve perfection!"

In the summer, he had just reported the matter to a full extent, and Wang Xianyao used the landline of the president's office to report him. Summer found a chance to go back, Wang Xianyao asked, "Section Chief Xia, where are you?"

Summer said, "I have two meetings at the head office, and I told you yesterday. ”

Wang Xianyao asked again: "Are you finished?"

Summer said: "Arrived at two o'clock in the afternoon. ”

What Xia didn't imagine was that Wang Xianyao's call with Xia was to confirm that it was shown to a group of people from the Gui Z Shao Hua task force who were sitting in the president's office: Xia Xia didn't leave, and he could be found.

It turned out that in order to sort out the case, the Shao Hua task force of the political and legal department of Guiz had already gone to Shenzhen three times and sat in the Hubei branch.

In the president's office, Zhong Guanguan, one of the gang, said to Wang Xianyao in a matter-of-fact manner: "When we searched Shao Hua's financial office, we found some receipts, according to Shao Hua's confession, they were issued after receiving the money in the process of handling loans in the summer. ”

Wang Xianyao estimated that it was the loan spread, so he said: "That doesn't prove that Xia personally took the money." ”

Zhong Guanguan said: "We have so many people to verify this matter, if it is confirmed that he has a problem, we will take compulsory measures, and we must ask President Wang for support and cooperation." ”

This is behind the calm waves, the undercurrent is surging, and standing on the cusp of the summer, I don't know that the storm is coming. After the meeting at the head office, he drove home leisurely, had lunch, and took a lunch break as usual. It took him more than 30 minutes to drive to the branch. And Wang Xianyao is really a loving and righteous character, he did not leave the branch to eat elsewhere as usual, but after eating in the canteen of the branch, he took a break and waited for the arrival of summer.

Summer arrived at the branch and opened the door of his office, at this time the phone rang, Summer took the phone, and just said: "Hello!" Wang Xianyao's voice came: "Lao Xia, come here." ”

Summer closed the door, went to the president's room, sat down opposite Wang Xianyao, and met Wang Xianyao's gaze for a while, Wang Xianyao took his gaze back as if embarrassed.

Summer was secretly thinking, "Why is Governor Wang as shy as a woman?"

I only heard Wang Xianyao say slowly: "Shao Hua's case, there is another person from your side." This time, a lot of people were added, and it turned out that Wang Weifu was also kicked out by them. ”

Xia said: "The task force of the political and legal department of Guiz seems to have been addicted to coming to Shenzhen, and they come every once in a while. ”

Wang Xianyao said: "In the morning, they mentioned it, and it was a receipt issue for interest rate spreads. Look at the preparation, how to deal with it. ”

Xia said: "President Wang, the loans of these two customers are valid for me personally. As you can imagine, no matter how greedy I am, I will not compete with the tiger for food and expose myself to the gun. Are you right? What is now clear is that some of the receipts obtained by the task force concerned belong to depositors, and I asked them to go to the depositors, and the other part is a small cash cabinet in our bank. Otherwise, it seems like they're going on with me all the time. ”

Wang Xianyao said: "I'm afraid that these people will touch the melons and involve our bank, and the hole will become bigger and bigger." ”

Summer said, "It's better than carrying it on a person!"

Wang Xianyao said sympathetically: "Let's see then." ”

After a while, there was a knock on the front door of the president's office, and he said, "President Wang." ”

Wang Xianyao said, "Please come in." ”

A few people outside the door rushed in. The leader was Zhong Champion, who had been here last time, and when he saw that Xia was also there, he greeted him and said, "Chief Xia, is your meeting over?"

Summer teasingly said, "Yes, I'll report to the president as soon as I come back in the afternoon." In the old days, this was called: 'Convey instructions from superiors without overnight.' ’”

Zhong Guanguan was obviously worried about the lack of time, and said to Wang Xianyao: "President Wang, according to what I told you in the morning, let's talk to Section Chief Xia alone?"

Wang Xianyao said: "Okay, Manager Xia will take you there." ”

Summer got up and took the bell champion and they to his office. After they sat down, they were given a bottle of mineral water to each of them in the summer.

Zhong Guanguan sat in front of the Taipan chair, which was directly opposite Summer, like last time, took out a letter of introduction to Summer, and said, "I'm sorry, I'm bothering you again, we can't help it." ”

Xia said that it didn't matter, while looking at the letter of introduction issued by the Guiz Provincial Public Security Department stamped with a sewing seal, which read:

A letter of introduction from the Public Security Department of Guizhou Province

Qiangong Zi No. ××

Citizen Bank Hubei Branch:

I hereby introduce Comrades Zhou Wei and Zhong Guanguan (members of the Central G Party) to inquire about the stock mortgage of Shenzhen Taishan Industry and Trade Co., Ltd.

Please contact.

The Fourth Division of the Public Security Department of Guizhou Province (India)

16 May 1997

(Valid for 3 days, invalid after expiration)

Summer noticed that of the four people who came, only two reflected in the letter of introduction.

Next, start the questioning. Zhong Guanguan asked: "Section Chief Xia, did you handle the loan of 2 million yuan from Shenzhen Taishan Industry and Trade Company on February 11, 1995?"

Xia said: "It was I who handled the second credit department. I'm one of the handlers. ”

Zhong Guanguan asked: "As far as I know, when a bank handles a loan, it must be collateral or guarantee in kind, and what kind of collateral was used at that time?"

Xia said: "The 2 million yuan loan is pledged with 1 million corporate shares of a listed company, and another 1.5 million loans are pledged with real estate. The formalities are perfect. ”

Zhong Guanguan asked: "Can a loan of 2 million yuan be secured with 1 million shares?"

"It depends on the specifics of his stock," Summer said. As a security, although a stock has a par value, its actual value is affected by many factors, and it is normal for it to be higher or lower than its par value. The bank determines how much it can be worth, assuming that when the borrower refuses to repay, it will auction its collateral to offset the principal and interest of the loan. ”

Zhong Guanguan asked: "Can Shao Hua's corporate stock be mortgaged for a loan of 2 million?"

Summer said: "At the beginning, our unit judged that it was possible. ”

Zhong Guanguan said: "Please be more detailed. ”

Xia said: "Although the par value of each corporate share is one yuan, and the total par value is one million yuan, which seems to be less than the same value, the price of each outstanding share of this listed company on the stock market is 12 yuan." In other words, excluding artificial speculation and speculation, people take 12 yuan to buy a share of its stock, and the dividends and returns they get exceed the returns on bank deposits. In other words, the person who buys its stock thinks that he can buy it at a price of 12 yuan a share and sell it at more than this price. The realization of the above two situations requires the support of the performance of this listed company. Therefore, it can be said that the performance and prospects of this listed company are good. ”

Zhong Guanguan asked again: "When you made a loan, did you charge him a fee?"

Xia said: "At the beginning of 1995, our Hubei Financial Services Society was facing a tight financial situation, anyone who wants to make a loan, must bring their own deposits, although Shao Hua is a customer of Zhuang, is no exception, first of all, he signed an agreement with depositors, or the middleman of the deposit, roughly do 3.5 million loans, to bring 5 million deposits in the same period. ”

Zhong Guanguan asked, "Did he bring a deposit?"

Summer said, "Yes." ”

Zhong Guanguan said: "Then can you help me get a copy of the deposit slip for me to take back?"

Xia said: "Yes, after the president approves it, just call the sales department to give it to you." ”

Zhong Guanguan asked again: "This loan has not been repaid until now, has Shao Hua paid anything back?"

Summer asked rhetorically, "You want to know who he gave and what he gave to?"

Champion Zhong let out a "uh" and said, "I'm sorry, you misunderstood me." I mean, he helped you get a deposit or something?"

Xia said: "When the loan of Taishan Industry and Trade Company expired and was extended, there was a commitment with the bank to make up the funds once, which was already after the arrival of President Wang. ”

Zhong Guanguan asked, "Is there anything written?"

"This is a sensitive issue, and anyone who deals with our bank must have something in writing," Summer said. ”

Zhong Guanguan asked, "Can you show us?"

Summer said, "Yes." Then he opened the iron cabinet, took out a file, took out a piece of paper, and handed it to Zhong Guanguan, who looked at it and saw that it was written:

Citizen Bank Hubei Branch:

When our company applied for the extension of the loan of 3.5 million yuan in May 1995, the interest rate difference payable was 276,000 yuan, and 198,000 yuan was committed on May 18, 1995, and the remaining 77,000 yuan was offset by the three-month fixed deposit of 2 million yuan introduced by our company.

According to this.

Shenzhen Taishan Industry & Trade Co., Ltd. (India)

Shao Hua (chapter)

27 November 1995

After reading it, Zhong Guanguan felt that there was no difference from what they had mastered. He said, "I want to trouble you to make a copy of the deposit slip above that he has made up the interest rate difference to us." ”

Summer said, "Yes." ”

"So, that's all for this afternoon, shall we?" said Champion Chung.

The recorder asked Summer to look at the interrogation record, and after reading it, Summer felt that there was no objection, so he signed and pressed his finger mold.

Xia said, "Wait a minute, let's go to the president's office together and tell President Wang that you need to make a copy of the deposit slip." ”

Zhong Guanguan said, "Okay. ”

After Xia wrote the investigation list, the four of them followed Xia to the governor's office, and Xia gave the investigation list to President Wang Xianyao and said to him: "They want these things." ”

Zhong Guanguan immediately said to Wang Xianyao: "President Wang, we have a clear understanding with Section Chief Xia, please ask the bank to provide us with a copy." ”

Wang Xianyao said: "Okay, according to what Section Chief Xia wrote." ”

At this time, Zhong Guanguan's mobile phone rang, the call was from the Zhuhai H Special Economic Zone, Zhong Guanguan heard the call, his face changed greatly, and the voice of answering the phone became louder, and asked: "What, what's wrong with the land?"

Hearing the other party talk for a while, Zhong Guanguan said loudly: "Our business is done, let's go over immediately, let's go over immediately!"

It turned out that Shao Hua purchased 59,000 square meters of land in Baiteng Xiashan, Zhu-H Doumen, in the name of Zhu-H Taishan Industry and Trade Company, worth nearly 30 million yuan. I don't know what went wrong, they have to rush over Zhu H to see what is going on.

At this time, I saw that Zhong Guanguan would do what he said, and immediately said to Wang Xianyao: "President Wang, Section Chief Xia, please help me do a good job of copying the information, we will come back to pick it up another day, and now we will go to Zhu H immediately." Excuse me. After speaking, he shook hands with Wang and Xia and left immediately.

After they left, Wang Xianyao asked, "How are they?"

"These three times give me the impression that every time I ask, it's new, but it's all about the spread," Summer said. Each time, it seems to be a different spread receipt and ask for a deposit slip. Fortunately, I have a record, and I can explain it as soon as I take it out, otherwise I would really be in a hurry. Moreover, the letters of introduction you read three times are all different: this time it is from the provincial department, the last time it is from the research department, and the first time it is from Gui Y City. However, they were still very polite when asked, for fear of making a mistake. ”

The two made small talk about something else, and then the conversation turned to the issue of loan officer adjustments.

Wang Xianyao's opinion is that the deposit cooperative unit developed by the sub-branch should organize a part of the sub-branch to help check the situation of the tax accounts, so that some people can be diverted when the time comes; as for the Qiao family, one is to return it to the head office for arrangement, and the other is to get it to the sales department to see if it is suitable for it.

Summer was in favor.

Wang Xianyao hesitated for a moment and said to Xia: "Lao Xia, there is another question that I learned from my lover's state-owned bank. It is said that Huang Zhonghui's Huanglong Hotel has sold one-third of the price and paid two-thirds of the price. That's a tricky question. ”

In fact, this is the reason why Wang Xianyao first came to the Hubei branch and secretly transferred the loan file of the Huanglong Hotel to Wang Yang in the summer.

After hearing this, Xia said anxiously: "His loan is a mortgage registration done by a law firm, and it shouldn't be fake." Could it be that he is working in conjunction with the staff of the Land Bureau? I'll call you. (To be continued.) )