Two, three, two, an impeccable master of loan fraud

Later, the bank colleagues and Judge Wang were divided into two groups: Xia Xia, Yang Yang, and Wang Yongshou went to the Industrial and Commercial Bureau to investigate the distribution of enterprises and assets of the borrowing enterprises and guarantee enterprises in the city, and Chen Shanshi, Luo Yingying, and Ren Erwei went to the Land Bureau to coordinate issues related to land mortgages. Pen fun and pavilion www.biquge.info

In the summer, this group arrived at the Industrial and Commercial Bureau, which coincided with the Shanwei Municipal Industrial and Commercial Bureau having just moved, and everything was still chaotic. But they were very supportive and cooperative, and took out a list of computers and told them to check it themselves. It was found that there are still many enterprises in Shanwei under the name of Li Joining, the legal representative of Shenzhen Wuhu Sihai Trading Co., Ltd., and some enterprises have also adopted the method of cross-shareholding and have derived the second and third generation companies. Among them, the more valuable ones should be a four-story pawn shop located in the downtown area of Ximen Village and the Shanwei Transportation and Energy Company. Later, Yang Yang and Wang Yongshou discussed for a while and decided to issue a legal document to the Industrial and Commercial Bureau to seize the enterprise opened in the name of Li Joining, and the Shanwei Administration for Industry and Commerce accepted the legal document of the Shenzhen Luohu District People's Court in accordance with the law.

Then, Wang Yongshou and Xia came to the location of the pawnshop and looked at its business address on the spot. They copied down the house number of the pawnshop and prepared to go to the Land Bureau to verify the ownership of their real estate.

According to the section chief of the Shanwei Land Bureau, the land plot that had been mortgaged had been repossessed by the government on March 15, 1996 because the land price had not been paid after the expiration date. The Land Bureau also showed Chen Shanshi a copy of the "Notice on Recovering Land Use Certificates" that was issued to Shanwei Yongye Company at that time, and Chen Shanshi immediately asked for a copy to go back. The section chief agreed and immediately made a copy to him.

Later, Chen Shanshi immediately informed them of the situation.

Hearing the news, Wang Yongshou's group quickly rushed to the Shanwei Land Bureau. The situation of coordination is as follows: First, the issuance of the official letter with a steel seal was indeed the work of the Shanwei land department. Second, the land department has just been separated. All work is being improved, and the state has also strengthened land management, so that not only can the land that has not been paid the land price be recovered, but also the land that has not been built a few years after the land price has been paid can also be recovered. This is a government act.

When everyone heard it, it seemed that there was no play with this piece of collateral again, and they couldn't help but feel nervous. Later, they approached the section chief of another department of the Land Bureau, who, after affirming the above-mentioned matters, produced the "Notice on Expeditiously Paying the Arrears of Land Acquisition Payments" issued by the Shanwei Land Bureau and the Shanwei Urban Construction and Planning Bureau to Shanwei Yongye Company as early as July 28, 1995 Otherwise, in addition to recovering the 10,600 square meters of land originally planned by the Land Bureau to the company in Hebaoling and the west side of Ximen Village, it will only maintain the planned land plot of another plot of land with an area of 10,000 square meters next to Shanwei Avenue for the proposed commercial building with an area of 10,000 square meters next to Shanwei Avenue, but it must still pay off the arrears quickly. Yunyun.

Hearing that the mortgagor had other plots of land, Judge Wang did not forget his responsibilities and immediately took out a seizure order to seal up the plot of land together with the mortgaged land, and the Shanwei Land Bureau also accepted the seizure order in accordance with the law.

When this matter was settled, it was already twelve o'clock in the morning. The group got into a van and went to a place called Hebaoling to check the 35,000 square meters of land that Shanwei Yongye Company had applied for from the government, and saw that the plot had a sign of a company from all over the world, and six relatively simple houses had been built. The problem is that, according to the comrades of the Land Bureau, the land was originally only paid for 80,000 yuan, and it is an ironclad fact that the government has repossessed it.

After looking at this land, everyone doesn't know whether to be more disappointed or hopeful.

Later, I went to Shanwei Avenue to check the 10,000 square meters of land used as land for commercial buildings. I saw that the construction site was spending real money, rushing to get on the ground day and night: the sound of pile drivers came and went, the iron-binding machines were also busy, and the transport vehicles were coming in and out.

Xia thought that after they got the money, they didn't spend it all after eating, drinking, prostituting and gambling, but turned a corner to build a project and a building. What a good effort!

Later, the group got back into the car and prepared to return to Shenzhen. When passing through Houmen, everyone was already hungry, and everyone couldn't wait to come to the seafood restaurant and start to replenish their energy.

After lunch, Luo Yingying and Chen Shanshi walked around the seafood stall, and when they came back, they said to Xia: "Section Chief Xia, how about you buy some seafood for Judge Wang and go back, so that he can wait for his wife to pick him up?"

Xia immediately agreed, saying: "Okay, Wang Yongshou is an honest man and has never asked us for anything. I'm not good at seafood, so let's buy four servings and tell me what you like. ”

Chen Shanshi and Luo Yingying said again and again: "If we don't want it, the comrades of the head office don't have to buy it." ”

Summer said, "If you want it, buy it." ”

Chen Shanshi still told the summer about some varieties to buy. So, in the summer, I asked the stall owner to match four copies, bought them and put them in the car, and gave one to the three people in the head office and Wang Yongshou. And Xia and Ren Erwei didn't take the sheep by the way, and they were cheap.

Summer's style of doing things really made the three people in the head office dumbfounded: they couldn't imagine that Summer was a core figure who said nothing and held real power. Chen Shanshi was also transferred from the head of the credit section of the branch to the head office. He said in his heart: "When I was in the branch, I had to ask for instructions left and right for every penny in the bank, how could it be so casual as summer." ”

Yes, in the summer, he stayed in a sensitive position for a long time, and as long as the leader or colleagues knew what he was like, they could rest assured that he would roll in the pile of money. Not to mention the distance, let's just say that he came to the Shenzhen Special Economic Zone Corporation, and held three positions, including the head of enterprise management and the head of auditing, but in fact he did not have the right to approve expenses. However, several independent accounting enterprises under his jurisdiction, when the top leaders went on a business trip, they all took the initiative to ask for the approval of expenses on behalf of the summer, and the summer never took advantage of this opportunity to get any cheapness. After Wang Xianyao took charge of the Hubei sub-branch, he saw the temperament of the summer in the continuous observation, and gradually asked for the approval of the expenditure related to the planned credit in the summer. Later, as long as the summer signed the name of the fee, Wang Xianyao never stopped driving to reimburse. However, for a subordinate to get his superiors to do this, the key is to use the power in his hands carefully. Xia is well aware of this, and in his hands, there are actually more or less more than 30,000 yuan of invoices related to the business that have not been reimbursed, but he never takes the initiative to ask the president for reimbursement. But at the end of the year every year, Wang Xianyao and Chen will take the initiative to ask him to report some expenses.

It is said that after everyone had lunch, the car continued to drive to Shenzhen.

In the summer, while looking at the scenery on the Shenzhen-Shantou Expressway, he thought in his heart: "A Li joined and established a number of companies in Shenzhen and Shanwei, and after financing in Shenzhen, the company in Shenzhen gradually ceased to operate, and turned to operate in the company opened in Shanwei." As a result, the company in Shenzhen is empty, while the business of the company in Shanwei is booming and operating normally. And a high-rise commercial building is already piling. On closer analysis, it doesn't look like an economic fraud case. Everything is so natural and so seamless. In this way, the owner of a private enterprise took away the loan principal of 37 million yuan from the Citizen Bank, and currently owes 12.5 million yuan in interest, and the total principal and interest is already 50 million yuan. What a profound lesson!"

Thinking of this, the vice president of the officialdom tumbler Feng Laodao was still his credit director, and the scene of his speech at the credit professional conference was presented in Summer's mind: "We can't get back the 50,000 yuan loan we give to private enterprises, and we can't get back 20 million yuan to national enterprises, which is a different concept. Although there are only 50,000 yuan for private enterprises and self-employed people, if they are not recovered, they may fall into the pockets of individuals, and even wonder how much of these 50,000 yuan you have taken? There is no end to the organization to investigate you; and what about state-owned enterprises? Is it a matter of left and right hands and two pockets, and is it still state......

People are thinking, the wheels are running, time is flying, and the lives of the general public are still the same......

Luohu District, where the People's Court of Luohu District of Shenzhen is located, is the political, economic and cultural center of Bao'an County, the predecessor of Shenzhen's establishment of the Special Economic Zone. For a long time after the establishment of the Special Economic Zone, it was the most prosperous area for commercial and trade activities in Shenzhen, and the Luohu Court also undertook quite heavy trial tasks. On the other hand, it has also trained many judges and adjudicated many high-quality cases. To this day, it is still not difficult for people to find the cases adjudicated by the Luohu Court in the famous columns of CCTV's "Legal Life" and "Today's Statement". In addition, he has published a number of legal research papers. It can be said that the Luohu Court is a grassroots court with a certain influence in Shenzhen, Guangdong or the whole country.

It is said that on that day, Wang Yongshou returned to the Luohu Court and reported his trip to Shanwei to the president and the president in charge, and talked about the seizure of land, and also the seizure of other companies in Shanwei with Li Join, the legal representative of Shenzhen Wuhu Sihai Trading Co., Ltd., as the legal representative. The expressions of the court leaders began to become serious, and they listened carefully to Wang Yongshou's speech.

Later, the official opinion of the Luohu court was: "First, the land was repossessed by the land management department after the local land management department agreed and mortgaged it, and there was no question of whether Li Joins and the staff of the land department subjectively and deliberately deceived the bank for loans." For example, at the beginning of the preparation of the mortgage, the land premium that should have been paid was already overdue and not paid? This was an important prerequisite for the seizure of Li's other properties; second, was Li's company in Shanwei a sole proprietorship or a joint-stock system? If it was the latter, how big of a stake did he hold? Third, what was the relationship between the enterprises that handled loans at the four branches of the Shenzhen Minmin Bank and his company in Shanwei? That is, did the Shanwei company in which Li joined act as a transfer account for the funds obtained by Li in Shenzhen? Moreover, it is necessary to distinguish the boundary between the transfer of funds and the normal business flow of funds. In the absence of a definite answer to the above points, the seizure of property and enterprises other than collateral seems a bit reluctant, although the legal representative of the company is also joined by Li. ”

The next day, Wang Yongshou conveyed the above opinion to Yang Yang of the Legal Department of the Citizen Bank. As a result, the work of ascertaining the whereabouts of the loan funds of the Shenzhen Wuhu Sihai Trading Co., Ltd., which involved the work of the four sub-branches, was carried out intensively within the Citizens Bank.

As a matter of fact, if Li Joiner had the intention to manipulate it, it would have been easy for him to avoid the issue of the association between Shenzhen Wuhu Sihai Company and Shanwei Company as mentioned by the Luohu Court. That is: when the loan is done, I know that I want to send the money to Shanwei, but I am not in a hurry, I go around a few companies in Shenzhen and then go back, isn't it just a waste of a few checks!

This is really the case: several branches of the Citizens Bank tossed around for a few days, and took a lot of materials to the Luohu Court for judgment, but in the end there was no determination that it was necessarily related. The government's measures to reclaim idle land are not uncommon in Shenzhen, and it is not clear whether the Shanwei Land Bureau has learned from the experience of the Shenzhen Land Bureau.

As a result, the cases were left in court for a further period of time, and the execution was suspended.

It's a pity that the People's Bank gave him 50 million yuan in a private enterprise, or more precisely, on a boss, and no one heard him say: "Thank you." ”

Precisely:

The friendship of gentlemen is as light as water, and the wisdom is foolish without thanks;

You give me 50 million, leave it there!

Wait for the brother to be in a good mood, and build a building for you to boast;

If you turn around in the coming year, I will invite you to drink kung fu tea. (To be continued.) )