In the summer, I asked Luo Yingying to do an investigation with two proposed borrowing units, and in the summer, I saw that the Hubei vegetable market, which is the core business project of the guarantee company, is still an empty house that has not been opened, and the real estate is not yet this company. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Summer asked Luo Yingying, "What is your impression of them?"

Luo Yingying smiled bitterly and said, "General." ”

"That's the problem," Summer said. Many times it is said that the quality of loans during the service period was not good, which is the will of such a chief. Do you think, like now, not to report the line?"

Luo Yingying said: "If there is room for a realistic report, let's see how the head office handles it." ”

This time it's summer's turn to smile bitterly.

After the loan investigation was completed in the summer, he reported his conversation with Luo Yingying and his general impression to Wang Xianyao, who said: "If you report it, it is up to the head office to decide whether to take out a loan or not. ”

So in the summer, Shu Guangrong and Li Chaoyang were assigned to write an investigation report. Later, Xia wrote in the column of the head of the credit section: "I agree to report the company's application for a loan of 5 million yuan to the president and the research department of the head office." ”

Wang Xianyao also left room to write his opinion: "Agree to report." ”

The materials are sent to the loan review committee of the head office.

The eight or nine members of the loan examination committee of the head office read the materials copied by the credit office for them, wrote down their opinions on a piece of paper, and handed it to Luo Yi, director of the loan examination committee. Luo Yi read the opinions of these eight or nine papers, and felt that it was more difficult than writing a paper: if you tend to lend him money, you will offend the members of the Legal Department, the Planning Department, and the Accounting Department, and if you don't lend to him, you will offend the related parties and the members of the Credit Department. He really deliberated for a night, and finally wrote the official opinion of the loan review committee with a small regular brush. The full text is as follows:

The company applied for a loan of 5 million yuan, and after discussion and voting by the loan review committee of the head office, it was decided that:

(1) Agree to a semi-annual working capital loan of 5 million yuan.

(2) However, taking into account the company's situation, the loan was lent in three installments: the first installment of 2 million yuan, the second installment of 1 million yuan, and the third installment of 2 million yuan.

(3) Determination of the time of loan issuance: the second phase of the loan shall be loaned three months after the first phase of the loan is issued, and the third phase of the loan shall be loaned after the second phase of the loan is issued for three months.

(4) The term of the loan is half a year, and when it is found that the previous loan cannot be recovered, or will be overdue and the interest is in arrears, the subsequent loan will be terminated immediately and shall not be issued.

(5) The guarantee period of the guarantee enterprise is one year.

Please follow suit.

Luo Yi.

The approval materials for this loan were quickly sent to the Hubei branch.

In the summer, when he saw the calligraphy written by Vice President Luo Yi with his heart, he praised it repeatedly: "Beautiful!" But after reading the opinions of the loan review committee he wrote, he seemed a little crying and laughing.

Xia thought to himself: "This is a replica of the infighting scene in the mainland officialdom in Shenzhen." When an enterprise or unit is caught in this quagmire, it is impossible to do anything. If Shenzhen is doing this, it is not a special zone in China. No, it shouldn't be like that. ”

After a while, Xia thought again: "But from another point of view, maybe many people in the head office have opinions about this company, because it is a relationship loan, it is inconvenient for Akari to oppose it, and it is not known to use this method to express dissatisfaction." ”

The five-point opinion of the loan review committee is indeed difficult to implement in the summer. So, I made a phone call and asked the credit office of the head office. Hao Jianguang of the credit department said after listening to Xia's request for advice: "The opinion of the loan review committee is to summarize the different opinions of the members, but in fact, this opinion is actually a difference between the legal department and the credit department. ”

Xia said: "The problem is: this kind of approval conclusion, there is no way to implement it below!"

Hao Jianguang said, "You can contact Director Yi again to see what happens." ”

In the summer, he went to the president's office to give feedback to Wang Xianyao, and Wang Xianyao said: "Ask Shenzhen Jinkaige Development Co., Ltd. to write a report on applying for a one-time loan, and then, our branch also writes a report on the company's loan that cannot be released according to the opinion of the loan review committee, and give both things to the credit department, and ask them to also give us a written opinion, so that we can grasp it." Otherwise, these boys, after the autumn, settle accounts and take it more seriously than anyone else. ”

Summer said, "I'm going to do it." ”

Summer came out of Wang Xianyao's office and knew that the loan could no longer be paid. This is because the Credit Office will not and does not dare to make any corrections to the approval opinions of the Loan Review Committee. Conversely, the Loan Review Committee may reject the opinion of the Credit Division. However, Luo Yi, as the director of the loan review committee, does not coordinate and choose between the two opinions, who can do anything?

In the afternoon of the same day, Xia sent the materials to the credit office of the head office, and verbally talked to Yi Muzi about the operational difficulties and asked for support. Yi Muzi didn't say anything, only said to Xia, "Let's take a look at it." ”

The next morning, Vice President Feng Laodao, who was no longer in charge of credit work, called Xia directly and said to Xia: "Manager Xia, you also attach great importance to the system and understand it very seriously. After your report came up, the head office coordinated with Shenzhen Jinkaige Company, and Zhou Kaige assured me that the loan could be repaid in six months! What do you think?"

Xia heard what Feng Laodao meant: "You guys give him an account!" It's just hard to say.

Xia thought: "This Feng Laodao is also a treacherous person in the officialdom, and he is not a good bird." If he hints that the account will be fine, then everyone will be fine, and if there is anything, it must be the following problem. He has already learned his lessons in this regard. But he is a leader, and he still needs to cope. Then he said politely: "Okay, okay, I'll report to President Wang immediately to see how to deal with it." ”

It's not surprising that summer would have thought so. Since graduating from Guangzhou D Finance College, he has been engaged in bank credit, trust and other sensitive positions for a long time. In 1982 and 83, the People's Bank of China (ICBC) was trying to carry out financial trust business, and the higher authorities agreed to allocate a certain share of the credit fund as a trust loan, so as to break the original loan framework, and a part of the proceeds was used as a reward fund for distribution by the sub-branches. At that time, the president of the county branch mobilized everyone to actively solicit customers to issue trust loans, and recorded them in the work file as personal business development performance. At this time, as the main backbone of the credit department, the young summer was full of enthusiasm and impulse to develop the business, and brought a fellow villager to the president who went to the county town to run a transportation business, and obtained a trust loan of 40,000 yuan from the bank on the grounds of purchasing and operating a store. On the day of the bill, the president persuaded Xia to sign his name on the contract with the introducer as an insider. Later, after the villager's acquaintance with the governor of the bank, he borrowed 80,000 yuan from the president alone in the summer and bought two five-ton Dongfeng trucks. At that time, a state cadre's monthly salary was only 100 yuan, and a self-employed person could easily obtain a bank loan of 120,000 yuan in a short period of time, which immediately caused a sensation in the county, and they speculated that he had an unusual relationship with the bank. However, there were unforeseen circumstances, and the new truck he bought with a loan fell into a ravine while running transportation, and the car was destroyed and killed. What's even worse is that at that time, the insurance business had just recovered, and people did not know much about it, so the car was not insured. In this way, the villager's balance of assets and liabilities has been heavily planted on the side of debt. Some people say that banks are snobbish eyes that prosper but do not decline, and this is true. As soon as he saw that something had happened to the borrower, the president was worried about the loss of his trust loan. As a result, a lawsuit was filed with the court, demanding that he sell his house and car to repay the loan. Summer, who enthusiastically pulled him to borrow the first loan, became the "third person" in the case because he signed his name, and the president who enthusiastically added the second and third loans was the legal representative of the plaintiff in the case. The case was tried in the first instance for several years, and Summer was so anxious that he suffered from stomach bleeding, but fortunately, there was evidence to prove that the first loan introduced by Summer was the purchase of a business store, and the court ruled that the auction shop should be repaid with the first loan. After the auction, the loan was basically paid off, and the principal and interest of the last two loans added by the president were left there, and they became bad debts in the future. However, the governor still acts as his governor in a high-profile manner, as if nothing had happened. It wasn't until one day that other cases of economic discipline violations involving him were exposed, and he couldn't hold his head up in front of people. However, the development of this trust business brought to the summer was something he did not expect. (To be continued.) )