Shen Yimin, the vice president in charge, felt that the concept of "repaying debts in kind" had new ideas, and instructed the comrades of the asset loss prevention department and the legal department of the head office to carry out investigation and research. Pen Fun Pavilion wWw. ｂiquge。 ｉｎfo

One morning, Xia and Ren Erwei drove the van of the branch to the head office of the Citizens Bank, and received Shen Lixia, director of the legal department, lawyer Yang Yang, and Chen Shanshi, Xu Haitao and others from the loss prevention department, who were ready to go to Longhua to inspect the real estate of the Huanglong Hotel through the Meilin second-line customs. When the group came to Meilin Customs, Director Shen Lixia said coldly: "Oh, I didn't bring my ID card, what should I do if I don't let me enter the customs when I come back later?"

Chen Shanshi said: "Don't be afraid, we will find a way when the time comes." ”

Twenty minutes later, the group arrived at the Dragon Hotel, where the mortgaged property was located. Everyone got out of the car and looked at the property in detail from the outside to the inside and from the bottom to the top. Later, he came to the business department of the Longhua branch of a state-owned bank, which is the annex part of the property, and observed the business work of the bank's employees.

Walking out of the hotel, everyone looked at the People's Park and the surrounding environment opposite, and gathered together to discuss.

Chen Shanshi said: "The environment here is good, and the square outside is very wide and magnificent. If our bank really repays its debts, it will make a steady profit in less than five years!"

Shen Lixia said: "It seems that the mortgage of 30 or 40 million yuan is worth the money, and the environment is also good." Here's the problem: auctions are a bit priceless and unmarketable. ”

Xia said: "In fact, when the Huanglong Hotel was transferred from the listed company in the city, the price agreed upon by the two parties was appraised by a well-known accounting firm in the city in December 1992 at 60.5 million yuan. ”

Chen Shanshi said: "Section Chief Xia, you go back and give Vice President Shen a copy of the report you wrote that day, and by the way, report your thoughts, and see what the opinions of the top are." Director Shen, do you think it's okay?"

"Yes. Shen Lixia said.

On the way back, everyone saw a real estate called Yingshui Villa, Shen Lixia and they were very interested, so they got out of the car and observed. This is a half-pulled real estate construction site, a bit unfinished, and each unit is made into a two-and-a-half-story one-family villa-type building. Xu Haitao asked the manager: "How much does such a house cost?"

They replied, "You can buy it for 250,000." ”

Shen Lixia asked again: "Is it a commercial house?"

"Of course, Redskin. ”

At that time, Shenzhen's real estate certificate was divided into three colors: red skin, vermilion skin, and green skin, and only red skin was a complete concept of commercial housing.

After hearing this, Xu Haitao said happily: "Buying a house here is better than buying a house in the city, and you can earn a car for the same money." It's more enjoyable to drive a car to work in the city every day!"

Speaking of which, it also shows from one side what a severe price trend the real estate outside the second-tier customs was.

Everyone got back into the car and drove towards Merlin Pass. When they arrived at the gate, the group got out of the car and entered the border inspection channel, Chen Shanshi said to the border inspection: "This is our director, and I forgot my ID card in the office." ”

The armed police soldiers who guarded the gate said that they would not let Shen Lixia pass.

Shen Lixia said: "Can my lawyer's card be used as proof?"

The soldier was still humble and asked the captain on duty, but the captain still disagreed. Because Shen Lixia is a woman, and she is polite and polite, which makes men look very pleasing to the eye.

Official: It's not because the soldiers have bad intentions and insist on getting along with Director Shen. Instead, young ladies who did not have ID cards and no jobs were being strictly controlled from entering the urban area, saying that it was necessary to eliminate pornography and fight illegal activities. It stands to reason that this Shen Lixia can be the director, and she also has a certain age, not a young man, but from her face, she still has charm, more like the object of anti-pornography.

At this time, Shen Lixia was not in a hurry, looking at the propaganda board of Meilin Pass, which made Chen Shanshi and them anxious, picked up their mobile phones one by one, contacted friends, saw which one had a relationship with Meilin Pass, and asked for a favor to let them in.

In the summer, look at the emblem on the military uniform of the person on duty: embroidered with two stars, lieutenant, roughly a company-level cadre, that is, the position between squadron leader and deputy captain. Xia walked up to him, greeted him, and said, "Hello, captain, I am a person who lives in the compound of the seventh detachment, and if you look at my ID card, it is the twenty-sixth building of the compound. ”

Meilin Customs is guarded by the Seventh Detachment of the Armed Police, and when the captain heard that it was the person who lived in the headquarters of the detachment, he immediately checked Summer's ID card with a smile: Sure enough, really. Then, in the summer, he took out the "Municipal Expert Work Certificate" issued by the Municipal People's Government and showed him the "Municipal Expert Work Certificate" that should be given convenience by relevant units, and said to him: "These comrades are indeed invited by me to Longhua to see the house and conduct investigation and research. ”

The captain smiled and said, "Well said." I also have to explain to you that the city's anti-pornography and anti-illegal activities have been relatively strict recently, and you have to forgive us. ”

Summer said, "You should be thanked for being real. Thank you. ”

At this time, a group of talents successfully entered the customs.

Two days later, the official documents of the head office came down. The text says:

Citizens Bank documents

Shen Shi Yin Fa Zi (1997) No. 388

Regarding the reply to the Hubei Sub-branch Shen Shi Yinhu Zi (1997) No. 050 "Instructions on Handling the Mortgage of Shenzhen Baoan Huanglong Hotel".

Hubei Branch;

You Xingshen City Yinhu Zi (1997) No. 050 document received. The Asset Loss Prevention Department and the Legal Affairs Office of the Head Office have conducted on-site investigations together with the sub-branches. In view of the fact that the net value of 13.06 million yuan (i.e. 1,500 yuan/square meter) appraised by Shenzhen Intercontinental Real Estate Company entrusted by the Municipal Intermediate People's Court is inconsistent with the actual situation, if the auction is conducted at this price, it will not be able to offset the loan principal of 27 million yuan and the arrears of interest of 13.53 million yuan of our bank, resulting in the remaining loan losses. Therefore, the reply from the head office is as follows:

1. First consider the auction plan, but the starting price of 13.06 million yuan assessed by Intercontinental Real Estate Company cannot be used as the starting price of the auction. There are two options for determining the starting price of the auction:

The starting price is the price to ensure that the principal and interest of the loan of our bank are not lost;

In addition, we will find a real estate appraisal company that our bank thinks is more fair to re-evaluate, and use the re-appraised value as the starting price of the auction.

2. If the starting price determined according to one of the above methods cannot be auctioned, then consider negotiating with the borrowing enterprise to settle the debt in kind, but the debt repayment price should be lower than the auction starting price.

3. While considering the above two plans, the sub-branch should discuss with a state-owned bank in Longhua that currently occupies the annex building of the hotel the feasibility of transferring the hotel to a state-owned bank in Longhua, and the transfer price should be based on the premise of ensuring that the principal and interest of the loan of our bank are not lost.

Repeatedly!

Citizens Bank (India)

11 December 1997

Summer read the document and began to work in accordance with the spirit of the document.

In the summer, I saw that a mortgaged property that was rated as 78 million yuan (5,324 yuan per square meter) two years ago was depressed to 36 million yuan (2,457 yuan per square meter) in the blink of an eye, and the actual price was even lower to 13 million yuan (887 yuan per square meter). So, can the idea of paying debts in kind in the summer be realized, and can this idea stand the test of history?

Please take a look at the following and explain it slowly. (To be continued.) )