In the afternoon of that day, Wang Xianyao was looking at the "Hubei Branch's "Two Clearances" Work Report, which was written at the request of the head office in the summer at the request of the head office and was about to be delivered at the loan collection experience exchange meeting, when he heard a knock on the door, he said: "Come in." Pen "Fun" Pavilion www.biquge.info"

At this time, the door opened, and five people entered, one of whom was a tall middle-aged man wearing a public security uniform. The other two were met by Wang Xianyao. I saw one of the people I knew pointing to the man in uniform and introducing Wang Xianyao: "Hello, President Wang! We are from Guizhou, and this is the senior section chief of the pre-trial section of our special case group. He turned to the senior section chief and said, "This is President Wang." ”

With a smile on his face, Section Chief Gao walked up to Wang Xianyao and said politely: "Hello!

Wang Xianyao said enthusiastically: "No, no! It's a pleasure to see you!" and then beckoned everyone to sit down.

Section Chief Gao said to Wang Xianyao: "We are here this time to implement the supplementary evidence collection work before the conclusion of Shao Hua's case. Generally speaking, with the strong support of President Wang, after more than a year of investigation and evidence collection, we have done a good job in Shenzhen. There are still a few questions related to the Hubei branch. The first problem is that the Shenzhen Special Economic Zone Instrument Company, which was the legal representative of your line in the summer, issued a receipt with an amount of 70,000 yuan, and the interest rate spread was hit on the account of Jiaxing Electronics Company. ”

Wang Xianyao said: "I told you last time that I was transferred from the SAR headquarters in the summer. It is said that when he became the legal representative of this company, he did not directly participate in the business operation, but the unit used his Shenzhen hukou to apply for a business license, and his direct position was the head of the audit department of the head office. Is this a problem with interest rate differences, the company issued a receipt, which means that the company received it, and as for where the company wants to send the money, it is the company's decision. ”

After listening to Wang Xianyao's explanation, Section Chief Gao roughly thought that the problem was still between the two, and he should also design an outline for questioning and attack the summer. So, he changed the topic and said: "President Wang, we have another request, that is, the interest rate difference of 341,900 yuan collected by Hubei Financial Services Society, you have to give us a certificate." ”

Wang Xianyao looked embarrassed and said: "Although our Citizen Bank has undertaken the creditor's rights and debts of the financial service cooperative, after all, they are two legal person systems. You see, there is no account of the financial services agency, and it is impossible to find out where the money has gone. Why should we give you a certificate? I see, the receipts of the Imperial Trading Company are proof. ”

Seeing that President Wang Xianyao was unwilling to get involved anymore, there was nothing he could do. After continuing to talk about some business concepts in the bank, he asked the bank to arrange for the summer not to leave the branch tomorrow morning, and they would come back to contact the summer.

Wang Xianyao agreed.

This is the sixth time that the Guizhou Shaohua task force led by the senior section chief went south to Shenzhen to collect evidence.

After bidding farewell to Wang Xianyao, they returned to the Southern Hotel, where they were staying, and brainstormed an outline of the inquiry for the summer offensive tomorrow. The more everyone talked, the more excited they became, as if Summer was finally so shocked by them that they could only parry, and finally had to lose.

It is under the influence of such an atmosphere that they adjust their mood to the best. Then I went to the restaurant on the second floor of the hotel and had a happy dinner. After eating, I walked around Shennan Road for more than half an hour, and praised the night view of the main street of Shenzhen a few times before returning to the hotel lazily.

The next morning, because of the summer incident, Wang Xianyao came to the branch early in the morning. He saw that summer was coming, so he called Summer: "Hey, I said, yesterday the Shao Hua task force from Guizhou came again, and he talked to me about three issues......

Xia listened carefully to President Wang's phone call and said, "I'll come to your office." Then he came to the president's office and said to Wang Xianyao: "Thank you for explaining in time." As a matter of fact, the legal representative of my special zone instrument company is indeed in name, and the enterprise is run by a group of young people from Hunan, and I did not interfere with their business activities. The 70,000 yuan spread they proposed couldn't hang on my head. ”

Wang Xianyao said: "They want the branch to issue a certificate to confirm the interest rate difference of 341,900 yuan received by the financial service agency, and I am worried that they will settle the accounts after the autumn." It is not proof that it is not proven, and the receipt issued by the Imperial Trading Company is proof. ”

Xia said: "You say this well, and it also shows from another side that the receipts issued by the company also count." ”

Wang Xianyao said with concern: "Then you go back and prepare, when they come, I will ask them to find you directly?"

Summer said, "No need to prepare. I'd better give you a brief report on yesterday afternoon's meeting!" After speaking, he opened his notebook and reported to Wang Xianyao. ……

At half past nine o'clock in the morning, the case-handling personnel of the Guizhou Shaohua special case group came to the president's office. Wang Xianyao immediately stood up, glanced at the senior section chief wearing a public security uniform, and introduced to Xia: "This is the senior section chief from Guizhou. Then, he introduced to the senior section chief: "This is Director Xia of our line." ”

Summer and the senior section chief still politely shook hands.

Wang Xianyao said to Section Chief Gao: "You can talk to Director Xia?"

Section Chief Gao said, "Okay." Then let's go to Director Xia's office?"

Summer said, "Let's go!" and took them to his office.

Summer beckoned the four of them to sit down, and Section Chief Gao instructed one person to sit on the right side of the executive desk in front of Summer, ready to take notes; the two sat on the sofa in the distance directly opposite Summer, as if they were playing with something in their trouser pockets; and he himself sat on the couch outside the filing cabinet on Summer's left side, so that it was convenient for him to ask Summer, and it was convenient for everyone to look at Summer's face.

After beckoning them to sit down, he sat down on the executive chair, then opened the filing cabinet and took out the "1994-1996 Auditing Materials" and the "Analysis Ledger of Shenzhen Hubei Financial Services Society's Loan and Deposit Linkage" and put them on the executive desk. Then, calmly said to the senior section chief: "What do you want to ask, say it!"

Section Chief Gao asked: "Director Xia, you made the loan from Guizhou Merchants (Shenzhen) Development Co., Ltd., right?"

Summer said: "It should be said that the credit department where I work does it. ”

The senior section chief asked: "Did you also make the loan from Shenzhen Taishan Industry and Trade Company?"

Xia said: "It should be said that it is also handled by me, the credit department. ”

Section Chief Gao asked, "How much money did you lend to these two companies?"

Xia said: "Let me correct your statement: it is not me who gives loans to these two companies, but Hubei Financial Services Society who gives loans to these two companies. ”

Section Chief Gao said dissatisfiedly: "Don't go around in circles! What is the specific number?"

Listening to him as if he was interrogating from the perspective of a prisoner, Xia was already unhappy, and glanced at Section Chief Gao with a frown, but still replied: "Financial services social and economic collective research, loan to Guizhou Merchants (Shenzhen) Development Co., Ltd. 5.4 million yuan, Shenzhen Taishan Industry and Trade Company 9.5 million yuan. ”

Section Chief Gao asked, "What are these loans betting on you?"

Xia said: "Guizhou China Merchants (Shenzhen) Development Co., Ltd. has eight sets of commercial housing mortgage loans of 5.4 million yuan, Shenzhen Taishan Industry and Trade Co., Ltd. has a loan of 4.1 million yuan is also a mortgage of commercial housing, another 2 million yuan is a corporate stock mortgage, and 3.4 million yuan is a guarantee of Guizhou China Merchants (Shenzhen) Development Co., Ltd." ”

Section Chief Gao asked: "What do you have to do with Shao Hua, using Guizhou Merchants (Shenzhen) Company, which has no guarantee qualifications, to guarantee Shao Hua's 3.4 million yuan loan?"

As soon as Xia heard the words of the senior section chief, the resentment that had been suppressed in his heart immediately turned into anger, and he suddenly stood up, slapped the desk with his right hand, and reprimanded: "How can this be true! Don't think that you can be honest if you wear a public security uniform! You and I are both acting within the framework of the laws of the state. I have received you six times in the fulfillment of my responsibility to history as a member of the Party. What do I have personal questions? Spread it out on the table, please. Let me tell you: Under this bright and clear world, you are not allowed to come nonsense, and I will ask someone to listen to your questioning!"

After speaking, Xia walked out of the office, came to the loan officer's office next door, and said to Ren Erwei: "Xiao Ren, come here." ”

Ren Erwei quickly came to Xia's side, and Xia said to him: "You can go to my office and listen to the Guizhou task force's questions on the loan issue, just sit there, and don't need to speak." ”

The two then came to the office, and arranged for Ren Erwei to sit on the same row of sofas as the section chief Gao sat in the summer.

Summer said, "Now you go ahead and ask." ”

Section Chief Gao said: "What I just meant was that why did you agree to Guizhou Merchants Company to guarantee the 3.4 million yuan loan of Taishan Company?"

Summer said: "Why can't you agree? Based on the bank's judgment of the loan risk, whether it is credit, mortgage or guarantee, it can be chosen. As far as enterprises in Shenzhen are concerned, there are not many enterprises with 10 million yuan in real estate alone, and in the actual operation of the bank, there are more poor companies with a guarantee of 10 million yuan, and these two companies are national enterprises, and the loans are more assured. -- That's not just my opinion. ”

Speaking of this, Xia lit up the "1994-1996 Auditing Materials" on his desk, and continued: "This book records the examination of the loans of this enterprise many times, and the comrades of the Shenzhen Audit Bureau also went to Guizhou Merchants (Shenzhen) Company to investigate and make a positive conclusion. Up to now, the People's Bank has always believed that we have properly handled the loans to these two companies. Let me tell you another piece of information when I first applied for the loan: At that time, the first batch of loans we gave it had not been returned, and Shao Hua came to the door and told the boss that another 5 million yuan could be brought back, and he proposed two options: one is to increase the loan, and the other is to invest in the financial services cooperative. After he proposed the plan, he left the site first and let us study it internally. The CEOs of the service agency, together with the personnel manager, the office director, and me, studied and finally adopted my opinion and did not agree to the investment. However, in order to invigorate the original loan, the study agreed to apply for a loan within 5 million yuan, and finally compressed it to 3.4 million yuan. ”

Section Chief Gao said: "It is the first time I have heard Shao Hua's statement of investment dividends. Are these loans paid off now?"

Xia introduced Ren Erwei to him and said: "This little Comrade Ren is responsible for our bank's repayment of loans in accordance with the law, and it should be said that all those who use real estate as collateral are auctioning off their collateral, and the stock pledge has been realized and repaid the loan." ”

At this time, Section Chief Gao obviously lost his original domineering, and said to Xia: "There is another question, please explain: We found that Taishan Company paid two interest rate differentials of 37,500 yuan in the audit, what is going on?"

Xia felt nervous, knowing that at the request of Xia Shuwen, the accountant of their company, he had come forward to coordinate the 1 million yuan deposit between Xia Shuwen and the depositor's interest rate difference receipt. This was after the takeover of the Citizens Bank, but it should have been deposited in two tranches, so he asked, "It seems that I copied a deposit receipt to you last time, what is the deposit receipt number?"

After finishing in the summer, I opened the "Shenzhen Hubei Financial Services Cooperative's Loan-Deposit and Loan Linked Analysis Ledger" and read it.

At this time, Section Chief Gao said: "It should be Wen Ming's deposit of 500,000 yuan, and the account number is 205030170." ”

Xia turned over the ledger and confirmed that it was two deposits with the same name, saying: "That's right, they are two deposits with the same name and amount, but the difference in time is one day." ”

Section Chief Gao said: "I want you to provide us with this information." ”

Summer said, "Yes." ”

After speaking, he took out a pen and wrote on a piece of paper: "Please ask the sales department to provide a copy of 205030171 fixed deposit certificate." Credit Department, summer, same day. Then he called Wang Yang and asked her to come.

After Wang Yang arrived, Xia handed over to her and said: "Take my list to President Wang for approval, and then find the sales department to transfer the summons for this day, and ask them to make a copy of it for me." At the same time, Wu Dongmei was also asked to bring the summons to me that day and show the original to the comrades of the Public Security Bureau. ”

After Wang Yang understood, he went to do something. (To be continued.) )