At the end of April and the beginning of May of this year, the summer home phone often received some inexplicable calls that were usually made from local calls. When Xia picks up, the other party either claims to be a telecommunications company, or sells some business, or talks about him left and right; and when Fan Ting or someone else picks up, the other party will ask: "Is this Manager Xia's house?" When he finished answering, he asked the other party: "Who are you?" The other party said: "I am an old friend of Manager Xia and want to visit him another day." ”

Because during the summer when I worked in the Hubei sub-branch, my home address was open, and my subordinates would be invited to come to their home after the Spring Festival to sing karaoke, drink alcohol, or something, and they were not like some loan officers who changed places with a shot, always hiding their home addresses to watch out for someone or something. Therefore, Fan Ting and Xia didn't care when they received this kind of call.

On the afternoon of May 11, Xia had just returned home from the stock, and a similar call came in again, and Xia picked up the phone and "hey, hey, hey" a few times, and the other party hung up.

Summer put down the phone, muttered, "Neurotic!" and went about her business.

At half past eight o'clock in the morning of the next day, Chen Shanshi, vice president of the Hubei branch, arranged for two young people who did not know Xia to drive to the door of the Municipal Public Security Economic Investigation Bureau, and received two policemen in civilian clothes, who went directly to the door of the Sungang police station.

At this time, one of the policemen used the local phone to call Summer's home phone, and after Summer answered the phone and made a "hey" sound, the phone hung up. One of them pressed the walkie-talkie, and when Summer was upstairs, he picked it up and asked, "Which one?"

The other end downstairs asked, "Are you home in the summer?"

Summer said, "I am, who are you?"

At this time, the people downstairs did not answer. I turned off the walkie-talkie and ran a few floors at a speed of 100 meters. Summer had just hung up the walkie-talkie when the doorbell rang.

Summer opened the security door, and saw two young men with work cards on their chests standing at the door panting through the iron door, so he asked, "Who are you looking for?"

One of them asked, "Are you summer?"

Summer said, "yes! What are you doing?"

The person who spoke earlier flashed the sign on his chest and said, "We are from the Municipal Public Security Bureau and want to know something about you." ”

Summer said, "I wonder what you want to know?"

Another policeman said: "You used to work in the Hubei branch of the Citizens Bank?"

Summer said, "yes!"

The policeman said, "Can you open the iron door and let us come in and talk?"

Summer said, "Yes." ”

After the two policemen entered the living room, they immediately looked at the surrounding environment, and after sitting down, one of them said: "My surname is Zhang, Gong Changzhang, just call me Lao Zhang, this surname is Huang, and the big belly is Huang." ”

The policeman who was jokingly called "big-bellied yellow" by his colleagues said sincerely: "It's good to call me Xiaohuang in the future." ”

The policeman surnamed Zhang said: "We are here to ask you to introduce the situation when you applied for the loan of Shenzhen 38 Joint Stock Company. It's quiet there, can you come and talk to us?"

Summer knows that it is the duty of citizens to cooperate with the investigation of the public security organs, and they can investigate at home or go to the public security organs. In order to save the number of branches, Summer said, "Yes, can I change my clothes?"

Police Officer Huang immediately said, "Yes." ”

Summer came to the room and made a phone call to Fan Ting, who had just arrived at the flower shop, and told her: "Someone from the Public Security Bureau came to the door and asked me to come to them to talk about the situation. ”

Fan Ting immediately asked nervously, "Will you come back at noon?"

Summer took out all the keys and car driving licenses on his body, put them on the table, came to the living room, and said to the two policemen: "Let's go." ”

So, the three of them went downstairs and came to the Yuping of the community, and Huang policeman looked back at the floor where he lived in the summer and asked, "This house is very expensive, right?"

Xia immediately vigilantly thought that the people in the Public Security Bureau might have heard something preconceived, and immediately replied quietly: "It's not very expensive, more than 5,000 yuan per square meter, my salary was not low at the beginning, and I had 70,000 or 80,000 yuan a month, and I could afford it." ”

When the three of them walked out of the security booth, they met Fan Ting who was hurrying home, and Xia stopped and said to Fan Ting: "I'll go back with Officer Huang." ”

Fan Ting glanced at Xia and the two policemen, did not speak, and left.

Summer also continued to walk, and at this time, Officer Huang said to Summer very kindly: "Manager Xia, you are older than me, we are born once and matured twice, you can call me Xiao Huang!"

The three of them waited at the gate of the fire squadron for five minutes, a dilapidated van drove in front of everyone, a young man opened the door, greeted the policeman surnamed Zhang, and everyone got into the van and drove to the Shenzhen Public Security Economic Investigation Bureau. When the car was waiting for the red light at the intersection of Bao'an North and Meiyuan Road, the young man in the car who had greeted Police Officer Zhang before took the initiative to greet Xia and said, "You have made a lot of loans in the Citizens Bank before?"

Summer glanced at him and said calmly, "Yes!"

The young man said: "At the beginning, was the loan of Shenzhen 38 Joint Stock Company a formality that you went through?"

Xia replied, "It's the ministry I lead." ”

The young man asked again, "Do you still have contact with Chen Shanwei for them?"

Xia said: "The background of Chen Shanwei's company is very complicated, when they came to Hubei Financial Services Society, they were also recommended to ICBC by the head of the relevant department of the municipal government, and then recommended to us. In fact, the borrowers of financial service cooperatives are generally not ideal, and it is not a problem of two families. ”

The young man chimed in and said, "That's right." ”

When the van drove into the courtyard of the Economic Investigation Bureau, the young man said to Officer Zhang: "I still have something to do, so I won't go up, thank you for your hard work." ”

Xia followed Zhang and Huang to an office of about 10 square meters on the fourth floor, and Officer Zhang greeted the other two people present, and Officer Huang brought a loose-leaf stool for Xia to sit on. Then, he opened an envelope, took out a pre-printed outline of the questioning, and prepared to start asking about the situation.

Officer Huang asked for Summer's ID card, filled in the number and address, and when asked about Summer's mobile phone, Summer didn't answer, and he didn't force it, but said: "Today, we are looking for you to understand the situation, that is, someone sued Shenzhen 38 Co., Ltd. for fraud." You know, the responsibility of our public security organs is to get to the bottom of the situation so that criminals don't go unpunished, and of course, we can't wronged good people, which requires investigation. Don't be nervous, we don't have any preconceived notions, just ask about the situation. ”

At this time, someone greeted Officer Zhang at the door of the office, and Officer Zhang stood up, ready to receive the visitor, and at the same time, said to Officer Huang: "Xiao Huang, you go to the conference room on the second floor and make the transcript, and we will discuss it again after we are done." We're here to talk. ”

Officer Huang said, "Okay, Manager Xia, let's go to the second floor." ”

So, Officer Huang and Xia came to the large conference room on the second floor, and the two sat side by side on one side of the oval conference table.

Summer answered his question as she looked at the outline of their question. And in his mind, he kept speculating about the political and legal department's opinion on this matter.

Xia Xiang: Judging from the fact that only Officer Huang was present in the interrogation record, this matter is still in the initial stage of the case in the eyes of the economic investigation department, and there is no obvious malice towards himself; but judging from the beginning of the investigation outline they printed, it is obvious that they are very serious about vacating their photos and ID numbers. It cannot be ruled out that they regard themselves as co-defendants in the investigation and find out.

The words are divided into two ends, one for each side.

It is said that Fan Ting suddenly changed, and saw that Xia followed the two young people out of the residential area, saying that she was going to the Public Security Bureau. However, it is not clear what is the reason and which department of the Public Security Bureau it is to. When Fan Ting returned home, she felt a sour feeling when she saw the documents and keys she threw away when she left in the summer. She immediately went downstairs and discussed with Fan Huan and Xie Feng, who lived in the same community.

After listening to Fan Ting's briefing, Xie Feng asked: "Which sub-bureau did he go to? Is it because of the problem with the car that he went to the traffic police station, or is it because of some other reason that he went to the public security department or the department in charge of economic cases?"

Fan Ting also seemed to be suspicious of herself and said: "I don't know, I seem to have heard that he called yesterday to inquire, and my family's car license plate has two cars with the same number in Ping An Insurance." I don't know if it's because of this and it's being investigated. ”

Xie Feng asked, "Is your car coming in the right way?"

Fan Ting said: "The specific procedures were handled by Lao Xia, and I only heard that it was auctioned by the auction house. The year before last, he was robbed of his driving license, and later reported to make up for the procedures. ”

Xie Feng said: "Then it should be fine." That's weird! Yes, you check the phone at home to see which number was called this morning, and then call back and ask which unit it is, and if you are there in the summer. Isn't that clear?"

Fan Ting was relieved, and immediately returned home, and found that there was indeed a local phone number that she had seen before calling the flower shop in the summer, and after registering it in the phone number book, she thought about it and dialed it.

With the other party's question: "Hello, who are you?", Fan Ting said......

But Officer Huang, who said that he was making investigation records with Summer, heard his local dialect ringing, and asked after answering, "Hello, who are you?"

A female voice on the other end of the phone said, "Excuse me, have you called 8241X84X on this phone?"

After hearing this, Officer Huang repeated: "8241X84X?"

Summer said, "Maybe it's from my family." ”

Officer Huang immediately asked, "Are you looking for Manager Xia?"

Fan Ting said, "Yes, is Lao Xia there with you?"

Officer Huang said, "Yes, you wait. After saying that, he handed the local phone to Summer and said, "It seems that your lover called." ”

Xia took the phone and said to Fan Ting: "In the Economic Investigation Bureau, the situation is normal. ”

Fan Ting asked, "Will you be back at noon?"

Summer said: "I'm making a transcript now, and I should be able to finish it." Don't worry, let's talk when we get home. ”

After putting down the phone, Officer Huang continued to ask questions in the order of the outline. He asked: "Even if this 38 joint-stock company borrowed 8 million yuan from the financial service agency, why did it later lend another 3.5 million yuan when the old loan was overdue?"

Summer said: "It's a bit difficult to explain this issue clearly. Let's put it this way, at the beginning, this company was urgently pulled by Hubei Financial Services Society to digest the surplus funds and make loans, and later, 38 joint-stock company used its own connections to pull a large number of fixed deposits, and became the savior of Hubei branch in the financial crisis, and was valued by the two teams. The additional loan of 3.5 million yuan is only one of several contracts signed between the bank and 38 joint-stock company, the other 40 million and 15 million. Now only to say that this 3.5 million yuan contract, originally planned to borrow all the loans of the old contract to repay the old at one time, the head office also clearly agreed, for this reason, Shenzhen 38 Co., Ltd. spent money to organize a one-year fixed deposit of nearly 40 million yuan to stabilize the capital situation of the Hubei branch. Beginning in late July 1995, when the actual operation of the loan was really required, the head office of the Citizens Bank was faced with an even greater financial dilemma, and ordered all branches not to add new loans, but the 38 joint-stock company got so many deposits, and its expenditure to make up the interest rate difference was not less than 5 million yuan, so with the tacit approval of the leaders of the head office, relying on the old contract and signing a supplementary agreement, it lent 3.5 million yuan, which was actually as compensation for the deposits of their organization. ”

Speaking of this in the summer, Officer Huang's local phone rang again. He answered the phone and stood up, about ten meters away from where Summer was sitting.

At this time, Xia cursoryly skimmed through the outline of the interrogation on the table, which contained about twenty-eight or nine questions, such as: "Who did you go to the Land Bureau to handle the mortgage procedures?", "When did you leave the Citizens Bank, and how did you leave?", and so on. Xia thought: "It seems that their identification of the mortgage issue is the focus. Other questions are to prove whether I was involved in the scam and disappeared. It is not difficult to understand that Officer Huang asked about the house he lives in. ”

"I'm sorry to keep you waiting. Officer Huang answered the phone, looked at his watch, and found that it was already eleven o'clock, so he said to Summer: "Let's both hurry up and finish things this morning and noon, and save you from walking around." Do you see it?"

Summer said, "Okay, you ask." ”

When Officer Huang asked: You went to the Land Bureau to go through the mortgage procedures and who you met, Xia replied: "This loan was released without even having time to go through the notarization procedures before it was issued, and the notarization and mortgage procedures were made up during the period when the People's Bank of China came to carry out the suspension of business for rectification." When I saw that the Luohu District Notary Office had no objections, I immediately went back to the Financial Services Agency for a meeting. I was not involved in all the subsequent procedures. ”

Officer Huang repeated, "Can you be sure that you didn't go to the Land Bureau to go through this procedure?"

Summer said, "Totally sure." Because there were too many things for me to do at that time, the rest of the formalities after approving the loan were handled by my subordinate Ou Zhongzhong. ”

Officer Huang said, "Where is Ou Zhongzhong now?"

Xia said: "He should still be in Shenzhen's financial system after he is transferred, but I don't have his contact address." ”

Officer Huang said solemnly: "If you can't find Ou Zhongzhong, you can't get out of the relationship." You still have to tell the truth. ”

Xia said: "If my estimate is correct, if you look for Chen Shanshi and Li Chaoyang of the Citizens Bank, you will definitely be able to find Ou Zhongzhong." However, it is even easier to prove that I am right, and you can go to the Luohu Notary Office to access the notarization materials. In fact, this case is nothing new, just when Shenzhen 38 Co., Ltd. was being litigated, the mortgagee's lawyer desperately said that it was a financial fraud, but the court did not accept it. After the verdict was handed down, the Hubei Branch, the Legal Department of the Head Office of the People's Bank of China, and even the later Asset Loss Prevention Department did not consider it a financial fraud, and even waived the right to appeal. Don't you think there's something unreasonable about that?"

Officer Huang listened carefully to what Xia said and listened carefully, but did not make a record. After Summer finished speaking, he asked, "Has the bank sued this company?"

Summer said: "The trial has long been over. It's been a few years since it reached the execution stage, but these people couldn't find its property, so they got it to you and dealt with it as a fraud. ”

Officer Huang said: "I didn't record what you said, but after you read the transcript later, if you have anything to add, you can write a paragraph at the end." Hey, how did you get out of Citizens Bank?"

Xia said: "To be honest, everything I do at the Citizens Bank is a long-term plan, and how I hope to work at the Citizens Bank until I retire." To this end, I worked hard and was widely praised by the people inside and outside the party, inside and outside the industry. You see, during the four years that the Citizens Bank took over, I was twice commended by the Party Committee of the head office as an outstanding Communist Party member and once as an advanced worker. It's not me who brags, but who has had such an honor as me for the more than 1,000 people in the Citizen Bank? However, the blame is here: an outstanding Communist Party member was squeezed out of the circle by a president who had just taken office for a few months, and he lost his job. Subsequently, it was also the bank's bad luck, and many old loans have since become dead debts. ”

……

After the questioning, the transcript was completed. Officer Huang handed the interrogation transcript to Summer, and after reading it, Summer wrote:

The above is true.

It should be pointed out that this is an economic dispute case that has been concluded by the Shenzhen Intermediate People's Court and is currently being executed. As a public enterprise, the Citizens Bank should not rely too much on the public power of the state to help collect old loans.

Summer, May 12, 2003

Officer Huang read what Xia wrote and thought there was nothing wrong with it. asked Summer to press the fingerprint, which can be regarded as completing the task assigned by the leader. He looked at his watch and said to Xia, "Manager Xia, I'm really sorry for delaying your time." ”

Summer said, "It's okay, haven't you had lunch yet?"

Officer Huang said: "Our unit's cars have all gone out, and I personally don't have a car to take you, so you can figure out how to go home." ”

Summer was very fond of his politeness and smiled and said, "It's okay. ”

Officer Huang added, "Thank you for your support today. If there is anything I want to ask you for advice in the future, I want you to support me more. ”

Summer said politely: "Okay, call me if there's anything." After speaking, he shook hands with Officer Huang, left the Public Security Economic Investigation Bureau, came to Hongli Road and called a taxi back to Sungang Village, and it was already two o'clock in the afternoon when he arrived at home.

At this time, Fan Ting, who was waiting at home, felt a little relieved, but she still asked long and short questions, for fear of being entangled in another protracted official wrongdoing