It is said that in the past few days, the funds of the Hubei branch have been quite tight, and Miss Gao Shang, who is engaged in the plan, borrowed 70 million yuan from the head office in one go to pay the position. Wang Xianyao felt a lot of pressure www.biquge.info he was worried about the affairs of Anyan Company, so he made a phone call and asked Xia to come to the president's office.

After Xia came to the president's office, Wang Xianyao asked Xia very kindly: "Was it okay for the Z task force to come to you yesterday?"

Summer said, "You greeted me beforehand, and I know what to expect." However, his question changed the angle, and they changed the first question to why they agreed to guarantee the 3.4 million yuan loan to me personally, and then wanted to prove that there was something unsightly between me and Shao Hua, and they wanted me to recruit from the truth. Then, I called Ren Erwei to my office to sit in on our conversation. ”

Wang Xianyao asked, "What happened?"

Xia said: "This senior section chief is a bit condescending, I speculate on their thoughts, not only with a few questions I told you to deal with me, but also because they found that Taishan Company paid two 37,500 yuan, that is, the interest rate difference between two 500,000 yuan deposits." They estimated that a deposit of 500,000 yuan may have paid the interest rate difference twice, which was a trump card. However, after the section chief Gao prompted me to have a showdown with him on the first question, it was unusual, and he said very kindly to ask me what was going on, and I took out the account and immediately resolved the matter, so I asked Wang Yang to sign it with you and copy the original summons to him. ”

Wang Xianyao asked, "What is your general view on Shao Hua's case?"

Xia said: "From the thinking of some comrades in the task force, it is still inevitable to find out from the banks that handle loans and the people who handle loans, and then make a conclusion about illegal loans, and come up with the idea of giving priority to criminal cases and putting aside loan dispute cases to suspend enforcement." However, they just went in the wrong direction, when I went to the Bao'an Public Security Bureau, I asked Zhuang Yu privately, they didn't talk to him, I asked the Jiaxing company they told you to know, and they didn't look for it. You think, Shao Huaming is the boss's customer, and they always take me as the main direction of attack, constantly digging and expanding clues. Think about it, if I were really an insatiable person, I wouldn't have peeled off a layer of skin on the boss's customers!"

After Wang Xianyao understood the situation, he changed the topic and said to Xia: "Now the bank's deposits have fallen sharply, and today I borrowed 70 million yuan from the head office to solve the urgent need." However, this is not a problem for a long time! I have contacted Guo Shangshu, the general manager of Today's Home Company, and I will get together with you and President Chen in the evening to get together with him to see if he can help us?"

Summer said, "Let's go and be active with him, I think it's okay." However, he is also currently having an eventful time. I have discussed it with his Minister Liang in private, and it seems that both the company and Mr. Guo are a little troublesome. Now, there is still a bit of uncertainty about the deposit in our bank. ”

Wang Xianyao estimated that Xia was worried about the last time he sent Li Chaoyang to contact Guo Shangshu, so he explained: "Last time, I asked Li Chaoyang to come to today's home company just to beat the side drum with them, so that it would be more convenient for us to go." ”

Summer relieved and said, "I'll just go with you at night." ”

Wang Xianyao said again: "Mr. Shen of the Asset Loss Prevention Department of the head office just called me and asked us to print 60 copies of the report materials for the collection work, and you can follow up with the loss prevention department to see what is going on?"

Summer said, "Okay. ”

Later, when Xia returned to the office, Li Chaoyang came in in a panic and said to Xia: "Manager Xia, the collateral of my brother's loan, I heard from the judge of the Luohu Court that someone raised an objection that it was not Wei Qun's property. I'll see if I can handle ...... like this. ”

As Li Chaoyang spoke, he immediately put forward several sets of treatment plans.

Summer said: "Don't be in a hurry now, you have to figure out what the problem is, and then talk about how to improve it." What the hell is going on?"

Li Chaoyang had to speak patiently under the questioning of the summer.

It turned out that Li Chaoyang's elder brother Li Yinxiang registered a private enterprise in Shenzhen called Shenzhen Shibazi Industrial Co., Ltd. Li Yinxiang had a good relationship with Zhuang Yu, and when Zhuang Yu was preparing to set up Hubei Financial Services Society, he contracted the company's computer desks, office desks, chairs, sofas and other projects. Later, he introduced his younger brother Li Chaoyang to Zhuang Yu as a loan officer under Zhuang Yu.

Although Li Chaoyang didn't read much, he was still quite able to see the wind and steer, and gradually won Zhuang Yu's appreciation, and handled loans from more than ten enterprises such as Yufeng Jinlong Restaurant, Gangzhongyi Co., Ltd. and Jianhua Company.

There is a saying that when you fight a tiger's brother, you will go into battle as a father and son. The Li brothers are very united, and they are also doing business of "doing things together, rich brothers earning".

It is said that in 1994 and 1995, Li Yinxiang's eighteen subsidiaries lacked liquidity, and this task naturally fell on Li Chaoyang, who worked as a loan officer in Hubei Financial Services Society.

It was also a coincidence, when Li Chaoyang's credit manager Xu Donghai went to dinner with the summer, he met Liu Shu, the boss of Jianhua Company's car operating company, and then the two sides hugged more and more tightly, like a snowball, all the enterprises of Jianhua Company were brought in, and they wanted to take out a loan of more than 40 million yuan in one go, but there were only two loan officers in a credit department, and there should be a two-person investigation according to the system, Xu Donghai had to rely on Li Chaoyang.

At this time, Jianhua Company still wanted to borrow more money, because the People's Bank of China stipulated that the balance of loans to a single enterprise of a financial service society could not exceed 30% of the registered capital of the society, and this restriction caused Jianhua Company to no longer be able to find a suitable company to come forward with a loan. Therefore, Li Chaoyang whispered a few words to Xu Donghai, and Jianhua Company provided 8 taxi licenses, Li Yinxiang provided business licenses, and on November 20, 1994, he made a loan of 1.3 million yuan, Jianhua Company used 1 million yuan, and Li Yinxiang's Eighteen Industrial Co., Ltd. used 300,000 yuan.

After this was done, both Jianhua Company and Li Yinxiang were deeply satisfied. Let's talk about Jianhua Company first, its license plate was transferred from the city for 80,000 yuan a year ago, and the eight operating plates cost a total of 640,000 yuan. And Li Yinxiang is even more worthy: "I only spent 2,000 yuan when my company was registered, and now I get a loan from the financial service agency in my name, and someone is willing to take 300,000 yuan for me to spend, this is a great thing, if I didn't install my younger brother Li Chaoyang to engage in credit in the Hubei Financial Service Society, how can I have my share?"

So, Li Yinxiang, who tasted the sweetness, didn't do it, and discussed with his younger brother Li Chaoyang whether he could borrow more money on this business license, anyway, after a few years, this license would not be needed.

These two brothers, one knows how to move around in society, and the other knows the internal rules of the bank, and when they get things done, they get twice the result with half the effort. I only heard Li Chaoyang say to his brother: "The key to the financial service cooperative's loan is to have a mortgage, even if it is a farmer's house, it is better to get a house to decorate the façade, and ask someone to make an appraisal report, then it is much easier." So, Li Yinxiang really found a peasant house for loan mortgage.

It was also hard work that paid off, and he finally got a four-story peasant house in Daliang Village, Buji from his fellow villagers, and prepared to mortgage it to Hubei Financial Services Society. The owner of this building is a Chaoshan villager named Wei Qun, who has been in Shenzhen for six or seven years to start a business. Li Yinxiang discussed with Wei Qun that the mortgage loan for this house was not less than 2 million yuan, and the two were divided into six to four, Li six and Wei four. In this way, the two calculated, Li Yinxiang is all out of thin air gloves white wolf kung fu, basically no cost, is a big winner; and Wei Qun has no loss, his four-story brick and concrete structure house covering an area of 200 square meters, not a commercial house, the construction cost is only 160,000 yuan, and now the bank has made a loan collateral, at least 800,000 yuan, and it is enough to build a villa outside the customs, why not do it!

In this way, Li Yinxiang took a copy of the real estate certificate of Wei Qun's building, handed it over to Li Chaoyang to find a real estate appraisal company, and used 150 square meters per floor, a total of 600 square meters, with an average price of 6,500 yuan (at that time, the commercial housing in the special zone was only 5,000 yuan per square meter), and the appraisal value was 4 million yuan, and finally he took out a loan of 2.55 million yuan on January 16, 1995. And Li Chaoyang will indeed think about his brother in the whole loan operation: on the one hand, he will try to enlarge the loan amount as much as possible, and on the other hand, considering that the loan needs to organize a deposit package, the shorter the deposit period, the better, so as to reduce the burden of interest rate spreads. So, the loan was made for half a year.

Once the loan was made, no interest was paid. On the contrary, because the balance sheet of Li Yinxiang's Shenzhen Eighteen Sons Industrial Co., Ltd. is good-looking, and the experience of handling two loans has increased his courage and impulse to take risks: "It turns out that the white wolf with empty gloves is so fulfilling!"

From then on, Li Yinxiang couldn't forget his empty hands, so he began to deceive other provinces frequently. -- That's a later story.

After the Citizen Bank took over the Hubei Financial Services Society, although it was covered by Li Chaoyang's relationship, it was not a matter for the borrowing company not to pay a penny, and Li Yinxiang was no longer interested in the bank at this time, and he wanted to rely on the corporate legal person license to grab more other people's property for himself, so he often traveled to other provinces. As a result, the bank sued Shenzhen Shibazi Industrial Co., Ltd. in early 1997 in accordance with the law. Recently, the Luohu Court was asked to seal down the four-story building.

However, it was said that the building was used by another woman surnamed Zhu, and it is said that she negotiated with Wei Qun to rent the building for a long time, and to negotiate the transfer with the landlord after five years of rent, and paid Wei Qun the five-year rent in a lump sum. After Ms. Zhu rented the house, except for a small unit where she lived, the rest was rented out to immigrants working in a nearby factory. After her painstaking management, this second-hand landlord can still make a lot of profits every month. So, she and Wei Qun frequently discussed the transfer. One of her reasons is valid: "I don't have a real estate certificate, and the management department always comes to check the house, and there is no way to deal with it." And Wei Qun has already paid off the rent for five years, and he didn't want to worry about this idle matter, but after thinking about it, her request was not too much, so he said to her: "You pay me 100,000 yuan in advance for the purchase of the house, and I will make a real estate certificate with your name for you to grab, isn't it okay?"

Miss Zhu is overjoyed.

One day, Wei Qun came to Bao'an North Road in Shenzhen. On the side of the road, the eyes of many men and women flashed with strange expressions, and they whispered to everyone who walked by: "Diploma, apply for a certificate." ”

Wei Qun approached a slightly better-looking woman and asked, "Can I get a real estate certificate?"

The woman said, "I can do it, but there is no version, and the price will be a little more expensive." It costs 100 yuan a copy. ”

Wei Qun was born as a businessman, and he counteroffered: "The price is thirty." ”

The woman said, "Big brother, it's impossible, you stop me from the waist and cut me down." ”

Wei Qun smiled and said, "Then fifty, it's okay to just stop your waist, right?"

The woman said, "I'll ask." ”

After speaking, he quickly ran to a man, whispered a few words, and then ran back and nodded to Wei Qun and said, "Just fifty, give thirty first, just come here tomorrow morning to find me." ”

Wei Qun said while giving the money: "You have to keep your promises, otherwise, it will be very troublesome!"

The woman said, "Big brother, you can rest assured." Although we don't have a store, the people who do this kind of business are more credible than any store in Shenzhen. Otherwise, how could your money end up in my pocket, big brother?"

In this way, Wei Qun got a real estate certificate for Miss Zhu. When Miss Zhu got the real estate certificate, she really paid Wei Qun 100,000 yuan as the purchase price, and Wei Qun issued a receipt to her. And she didn't know that this real estate certificate was a fake, and whenever she wanted to do something to prove the landlord, she used this real estate certificate to register, and no one said that it was fake.

A few days ago, the court came to seal the entire building, and she couldn't get in touch with Wei Qun, so she found a friend to discuss it, and applied to the Luohu Court for an enforcement objection, saying that she bought the building from Wei Qun in 1992.

Today, it happened that Ren Erwei and Li Chaoyang went to the Luohu Court to urge the execution of the case, and Judge Zhu relayed Miss Zhu's objections. When Li Chaoyang heard this, he was also full of dew, and he didn't know what was going on. According to the judge, if Miss Zhu's objection is upheld, then Li Yinxiang is involved in defrauding the bank loan. So, as soon as he returned to the branch, he rushed to Ren Er to make a report to the summer.

Xia said to Li Chaoyang: "Don't be in a hurry about this matter, I'll write a document and go to the Longgang Land Bureau to find out another day, and then see how to deal with it." I have a request for you, like when you encounter this kind of thing, first of all, don't shirk responsibility, don't avoid the problem, take the initiative to understand the true nature of the matter, and consider how to deal with it. We all came from the financial services agency, and as you can see, I am dealing with these remaining problems every day, dealing with the investigation and understanding of the public security bureau, the court, the procuratorate, the special case team, the president, and the head office every day. The way things turned out to be, they were. Of course, like this one you are involved in, your brother's company, according to your statement, found an unfamiliar Wei Qun to use the house as a mortgage and a loan, and then everyone did not have to pay it back. The question is: Are the villagers' houses outside the gate so valuable? Therefore, even if there is no objection to enforcement, it is also wrong and responsible to do so. ”

Li Chaoyang nodded humbly and left the summer office. (To be continued.) )