Ren Erwei continued: "On the issue of land seizure of 38 Joint Stock Company, the court agreed in principle, but there must be a property guarantee. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ”

Xia said: "After we ask the legal department of the head office for approval, we can issue a certificate, and we can rely on the bank's creditworthiness." ”

Ren Erwei also said: "The court introduced: Nanshan Wuda Co., Ltd. went to the court and said that the official seal of Nanshan Wuda Co., Ltd., which handled the mortgage, was fake. The judge also raised a question: when the loan of 8 million yuan was extended, there was no seal that the mortgagor agreed to continue the mortgage. ”

"No mortgagor agrees to this issue, it was common in the first place, and that's how it works," Summer said. As for the question of the authenticity of the official seal, we called Wang Yang to take a look at the loan file. ”

Ren Erwei walked out of the office and called Wang Yang, and Xia said to her: "You bring the loan file of the 38 Joint Stock Company." ”

After a while, Wang Yang gave the loan file to Xia, who opened it and said, "It seems that we have two official seals here." You see, the official seal of the mortgage declaration when the loan is notarized is different from the seal of the mortgage statement when the loan is added later. Does this mean that it is true and false, or does it mean that their company has more than two official seals, or is it premeditated?"

Summer paused and said with emotion: "It's true: something happens if you don't show up once!"

The three of them looked at each other, and Xia said, "Xiao Ren, let's take this loan information to the president's office and report it." ”

Xia and Ren Erwei went to the president's office and reported to Wang Xianyao and Chen Jiao. The attitude of the two presidents is relatively unified, and Wang Xianyao said: "Coordinate with the legal department of the head office." Ren Erwei went to the legal department for instructions. ”

Subsequently, the legal department's reply was as follows: 1. It is still necessary to apply for litigation preservation for the land, and in case the preservation is wrong, the loss is only 30,000 yuan; 2. The issue of the mortgagee's failure to follow up and seal the extension of the term can be established, the creditor's rights have not been extinguished, and the mortgage rights still exist. 3. As for the issue of the official seal, if it is fake, it is another problem.

That night, while lying in bed tossing and turning, and having trouble sleeping, Summer thought a lot:

First of all, I thought that Shenzhen 38 Co., Ltd. is a state-owned holding company with the whole people and internal connection, which was introduced to Shenzhen Industrial and Commercial Bank of China by the relevant units of the municipal government. However, ICBC felt that it was difficult for the company to request infrastructure loans, because ICBC had an online borrowing relationship with the then Hubei Financial Services Society, so it was introduced to Hubei Financial Services Society.

Secondly, thinking that when Chen Shanwei came to coordinate the loan, he had very strict requirements for the interest rate level, and when he heard that the monthly interest rate was two and a half points, he quit doing it, and he did not resume several times in the future, which aroused the goodwill of the summer. Later, when the People's Bank of China was about to come to check the accounts, the Hubei Financial Services Society considered that it had a balance of more than 100 million available funds, and if it did not lend money, the People's Bank of China would close down for rectification, and the financial services society would face a loss-making situation. Therefore, the CEOs asked everyone to look for customers who can apply for loans urgently among the customers they have contacted, and hurry up the loans.

The People's Bank of China entered the market on June 18, and the contract for this loan was signed on June 13, when a loan contract of 15 million yuan was signed, but Chen Shanwei stressed that there should not be so much for a while, saying that the account should be issued in two installments, and the financial service agency did not have the office certificate procedures, so he hurriedly borrowed 8 million yuan on June 16. After the People's Bank of China closed down, he went to the Luohu Notary Office on July 1 to go through the notarization procedures.

Then, Xia recalled the scene when he handled the notarization: at that time, Hubei Financial Services Co., Ltd. had a deep dependence on Xia himself, not only to manage the affairs of the credit and planning departments, but also to assist in solving the audit work of the business department, and to help the CEO coordinate the relationship between the People's Bank of China and shareholders at night.

On the afternoon of the office permit, I took Ou Zhongzhong and Chen Shanwei to the Luohu Notary Office on Wenjin Road, and saw that the notary had received the materials and started to make records, so I left first. Later, the mortgage registration affairs were handed over to Ou Zhongzhong. Ou Zhongzhong was quite serious, and he went to the Shenzhen Land Bureau with Chen Shanwei, and came back without accepting it for the first time. The second time, he said that he would go to the Nanshan District Land Bureau to do it. Later, I heard Ou Zhongzhong say that Chen Shanwei went through the back door and completed the mortgage. On the afternoon when Chen Shanwei got back the mortgage contract and came to Hubei Financial Services Agency, his face was still red because of drinking.

Next, Chen Shanwei was not impatient or impatient, and he was more cooperative with the financial service cooperative's request to organize deposits, and repeatedly replenished funds for the Hubei Financial Services Cooperatives and the transformed Citizen Bank, which was not quite like a scammer.

Xia then thought: It's just that when he took himself and Chen to visit the Longhua construction site, he asked him: "Has the formalities been completed for this land?"

He said: "The projects we do are not transferred before they are completed. Once completed, as soon as the transfer of ownership is completed, it will be put on the market for sale. ”

Their practice of this kind of cooperative project will hurt the banks that have cleared their loans in accordance with the law. Because banks rely on righteous and unscrupulous means, they have nothing to do with assets under construction, and third parties can use various excuses to avoid debts.

……

Summer turned around and continued to reminisce:

By the way, is there anything unusual about Chen Shanwei's words and deeds? In the past three years, he has moved to the company's office three times: Jintong Building, Octagonal Building, and Light Industry Building, is this because of the feng shui relationship he said? In terms of speaking, he said to his subordinates: I'm afraid to see me, I'm sorry for me, did you not want to repay the working capital I lent him from the beginning? Finally, I made a phone call and said that the head office had gone to his company to investigate the matter, and I never saw him again. Was what he said on the phone true, or did it imply that he was leaving?

The property of their company said that the industrial equipment was leased from someone else, and could not be seized because of another loan. So in terms of the project situation, the bank has been to a construction site in Shawei, a construction site in Nanshanwo, a construction site in Longhua, and Luohe in other provinces should also have a project. However, if these projects are only invested in money, and there are no other visible procedures, it is difficult to repay the loan even if it is a fairy!

Now it is not only difficult to find their property, but it is also not easy to see him. This shows that no matter who he is, financially and financially, things have gone too far, and he has not grasped his means and grasp, and he will only regret it in the future.

"This lesson is too profound! A person like me, who came from a professional background, has been cautious all his life, always looks at projects with a skeptical attitude, and has been engaged in nearly 10 years of work in the mainland to support industrial projects, and he has been able to do a remarkable job. How did it come to the Shenzhen 38 Joint Stock Company, and there was a problem when the mortgage registration was not carried out once? Is it really like the idiom saying 'the old cat burns the beard' and 'the old way miscalculates', and the boat capsized in the gutter? How can a person with strong self-esteem like me have the face to meet President Wang?" said to himself in the summer.

Summer turned around again in bed and continued to think: "On the other hand, President Wang is also a little interesting, when he is full of confidence and convinced of this mortgage, he keeps putting pressure on me with the words of repaying the loan according to the law. Now, when he saw that there might be a problem with the repayment of the loan according to the law, he became tolerant and said lightly: "Please consult the legal department." It's like it doesn't matter. Actually, it's even more uncomfortable. Because he stayed in the Citizens Bank, he fell in love with President Wang's personality and couldn't bear to leave. In his position, he wanted to help President Wang solve the old loan of the original Hubei Financial Services Agency. And now, I'm adding to the mess. ”

Summer thought about it and said "sigh" in her mouth.

At this time, Fan Ting, the summer lover, asked, "Why, you haven't slept yet?"

Summer said, "Can't sleep. I didn't have time to go to the mortgage registration after the notarization of the loan of Shenzhen 38 Co., Ltd., so I asked Ou Zhongzhong to do it, and Ou Zhongzhong asked the company to do it by itself. Only now did I find out that I got a fake mortgage back, and I didn't have the face to meet people. ”

Fan Ting said: "Don't be afraid, you didn't get the benefits of their company, but you still owe us money, don't be afraid! ”

Xia said: "The money that their company owes us privately seems to be a meat bun beating a dog, and there is no return." Now, it is difficult to see Chen Shanwei. ”

Fan Ting said: "Even if you return your wealth and turn the disaster, you want to open up." It's okay, it's okay to be safe. Sleep!"

Summer is still tossing and turning in bed, unable to close my eyes.

Guanguan: That is, with the opening of the loan dispute case between Shenzhen Bao'an Huanglong Hotel and Shenzhen 38 Co., Ltd. mentioned in this chapter, since the two households can be broken down into nearly 10 households, the situation of the enterprise is very complicated, and the court's response to the lawsuit is very variable. Some of the specious arguments and claims put forward by these companies have left the courts and banks overwhelmed, difficult to distinguish between the true and the false, and the outcome is mysterious and bizarre. As one of the loan handlers, the summer is the first to bear the brunt, after the trial of these economic dispute cases, it is non-stop, external evidence, internal explanation, busy and happy, from time to time danger. What an eventful time!

There is a poem as proof:

The wind is full of buildings, and the stones are empty and the world is sad;

The waves crash on the shore and the undercurrents surge, and it is difficult to sleep looking for a plan. (To be continued.) )