In the corridor of the office on the third floor of the branch, Li Chaoyang was talking with Sun Yong, the driver of Zhu Chi'er of the Anyan Automobile City Company, about the material issue of re-making the loan. Pen Fun Pavilion wWw. ｂiquge。 ｉｎfo

Li Chaoyang read the materials and asked, "What about your company's financial statements?"

Sun Yong said: "No, do you do it? ”

Li Chaoyang said: "This is provided by your company's finance. ”

Sun Yong said: "Then there is no way, who are you not going to do?"

At this time, Xia happened to come out of the confidential room of the branch, heard Sun Yong playing tricks, and said to him: "The report still needs to be done by your company's finance, which cannot be replaced." You Lao Zhu know that I am a person, one is one, two is two, and there is no ambiguity. ”

Sun Yong saw Xia talking, so he softened and said with a smile: "Then I'll give it to you when I go to Zhongshan tomorrow." ”

Sun Yong then went to the president's office, and in the summer, he called Li Chaoyang and Shu Guangrong, who were going to Zhongshan to handle the loan, to his office and said to them: "Zhu Chi'er, the boss of Anyan Company, is a famous person, according to his own words, one of the two great men of the contemporary Four Cs. ”

Xia paused and asked with a smile: "Do you know who the other great man of the Four Cs he is talking about? You see, he compared himself to Deng Xiaoping, and we are his opponents? So, we have to do his loan now. If the procedures can be standardized, they must be standardized, and don't let others find out the fault. As Sun Yong just talked about the financial statement issue, we, as bank employees, must not do it for him. Otherwise, in the future, in a lawsuit, he only needs to show this matter and say that we forged it, and the loan will not have to be repaid. Therefore, this is a matter of principle and cannot be ambiguous. ”

Li and Shu said, "We listen to Manager Xia. ”

The next day, Sun Yong drove Zhu Chi'er's car to lead the way, and Xia, Li Chaoyang, and Shu Guangrong took the van driven by Ren Erwei, who was the driver, and went to Zhongshan again to verify the authenticity of the deposit with the Zhongshan Science and Technology Credit Cooperative, which issued the deposit certificate, and the Zhongshan Anyan Electronics Factory, the owner of the deposit.

According to the loan operation procedures of the Citizen Bank, all new loans of more than 2 million yuan must be notified to the Investigation Department of the Credit Department, and personnel will be dispatched to investigate together with the comrades of the sub-branch. After contacting the investigation of Koro Britain in the summer, Luo Yingying proposed that because he was busy, he would not go to Zhongshan, and instead the branch would introduce the situation to him after returning from the investigation, and then set his behavior.

Xia did not have a sense of urgency to make this loan, but felt that this was a move by Zhu Chier to draw a pledge certificate of deposit to pay the bank. The new certificate of deposit is issued in a different place, and no one knows whether it is true or false. Logically speaking, it is impossible for him to fill a bottomless pit with another 10 million yuan. Therefore, it is not known whether we have planted our own fights.

The group first came to Zhongshan Anyan Electronics Factory, and Zhu Chier's sister Zhu Dan'er signed a statement agreeing to pledge the 10 million yuan fixed deposit certificate with an account number of 5599 under the witness of everyone, and copied her ID card and the business license of the electronics factory to Li Chaoyang.

Then, everyone went to Zhongshan Science and Technology Credit Cooperative, and went through the filing procedures for the pledge of deposit receipts. At the same time, the summer also asked the credit cooperative's business department to confirm the authenticity of the money in the deposit certificate to the business department. Zhongshan Science and Technology Credit Union was willing to cooperate and gave a copy of the bill. The whole thing is busy, and they do what they want and give it, which has to make people suspicious.

After these things were done, Sun Yong and the comrades from the bank had lunch. After eating, the four people from the Hubei branch drove back to Shenzhen by themselves.

The next day, Li Chaoyang and Shu Guangrong were busy with the reporting materials of the loan of Anyan Company, and Wang Xianyao and Chen Jiaojiao made an appointment with people from Anyan Company to withdraw 14 million yuan of pledged deposits in advance, repay the loan of 6 million yuan, and the remaining 8 million yuan was first transferred to Anyan's account, and then Anyan Company issued a check and transferred it to the intermediate account to be placed at the disposal of the Hubei branch. And Chen Jiao is the same as the 8 million yuan interest rate difference from Anyan Company last time, and the first thing he did was to set aside another 1 million yuan from this interest rate difference to the stadium (the owner of the stadium still asked for 70,000 yuan as his own remuneration as last time. ), as a business expense at the discretion of the president. This 1 million yuan fund was almost accidentally seized by the investigation team of the Central Commission for Discipline Inspection in the future, which really scared the president into a cold sweat -- this is a later story.

After a few days of busyness, the loan materials were reported to the head office.

The credit department required Zhongshan Science and Technology Credit Cooperatives to sign back a confirmation letter confirming that the deposit receipt had been pledged to the Hubei Branch of Shenzhen Minmin Bank before going through the approval procedures. So, in the summer, he asked Ren Erwei to drive, and drove Li Chaoyang and Shu Guangrong to Zhongshan to confirm the pledge. After returning, send the "Pledge Confirmation" to the head office.

Since then, the loan has not been followed, but it has ended up with great joy.

People will be curious to ask: why is it that everyone is happy when the loan is not done?

First of all, let's talk about why the comrades of the Credit Office of the Citizen Bank and the Hubei Branch are happy. They are not at all the same level as Zhu Chi'er, who is a self-proclaimed great man. This is playing table tennis with two people, the opponent is a three-year-old child, and you are a six-foot-tall man, how you play with this child, you are the winner. Regardless of their rank, if the bankers did not apply for this loan, they are "eating less salted fish and less dry mouth", which is certainly worth rejoicing.

Secondly, the two presidents of the Hubei branch were also happy. Because in the process of handling the old loan, he did not have to bear the responsibility for the success of the new loan, and easily obtained the funds of 8 million yuan in the organization's deposit. There is a good saying: "Money can make the devil grind", we have money, but we are afraid that we will not be able to do a good job? Therefore, it is reasonable for the president to be happy.

Third, there is another team in the happy team, which is a bit special, and it is the Anyan company itself. Why is it happy? Zhu Chi'er is still in a crucial period for the "secret crossing of Chen Cang" and the "golden cicada shelling" plan for the transfer of assets in the operation of its production and operation: A new capital chain has been established, and the scale of the acceptance bills issued by the department stores in Qingdao and the new companies in Shenzhen has reached more than 1 billion yuan. At this time, Wang Xianyao chased after him tightly, so that he couldn't get entangled, and the trick he came up with was to borrow new loans to repay old loans. He knew that with his popularity, it would be difficult to do it. If the loan is not completed, the bank will use the deposit certificate that has been pledged to their bank to withdraw the funds, whether it is to repay the loan, to repay the interest, or to use the money to pull the deposit, is the bank's own business. Another point is that this money also wrote a mortgage promise to the automobile company in Beijing, in exchange for a lot of vehicle parts, anyway, it is not the money of the Anyan company. A daughter and two husbands, see if they will be killed by cattle or horses in order to fight for this money in the future.

"But once they have taken the first step, they will not come to me again, and my loan will only be repaid on the current collateral. Otherwise, I will turn my face and deny people!" Zhu Chi'er thought in her heart.

No wonder two years later, the presidents of the Hubei branch are desperately retreating, and even when they go to bed at night, they hope that the dream of "being unofficial and being light" will open their minds.

Precisely:

I don't know the danger or not, and I know the danger and I am scared;

Swen is a white-collar worker, who knows if the end will be miserable!(To be continued.) )