When I returned to the office in the summer, on the one hand, I expressed my gratitude to President Wang Xianyao for his kindness, and on the other hand, I quickly checked the work ledger and looked at the interest rate difference collection of Guiz China Merchants (Shenzhen) Company and Taishan Industry and Trade Co., Ltd. when it was matched with the deposit, and I felt a lot more calm. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Summer thought in my heart: Fortunately, I am careful in my work, and the corresponding working papers and corresponding accounts of deposits are completely retained, otherwise, today, a few years later, someone else knocks down a shovel in the east and a hammer in the west, who has that memory?

In the years that followed, thanks to his record, Summer not only dealt with persevering opponents like Gui Z, but also dealt with Shenzhen's black and white pursuit with ease. After several twists and turns, storms and dangers have arisen. -- That's a later story.

Xia noticed that half of the total loans of the two companies were made with the surplus deposits of the financial service cooperatives, so the interest rate difference was all collected by the small accounts of the financial service cooperatives, and the other half was made by the deposits of the society, and the financial services cooperatives collected the rest of the interest rate difference from the depositors or the intermediaries who introduced the deposits, except for the five percent from them. This involves overseas Chinese companies, special zone instrument companies, Jiaxing electronics companies, Heihe Securities companies and so on. Also, one or two are personal deposits.

It is precisely because of the complexity of the source of deposits that some interest rate spreads have to be converted into cash payments to depositors or intermediaries, which brings certain risks and rights and wrongs to loan managers.

At ten o'clock in the morning, Wang Weifu appeared at the door of Summer's office in casual clothes, knocked on the door twice, and waited for Summer's response with a smile on his face.

Xia heard a knock on the door and looked up, and saw Wang Weifu and a person standing behind him, so he nodded politely and let them in. Then he asked, "Again?"

Wang Weifu said: "Yes, here we are again! Let me introduce to you, this is the section chief of my peer Zhong Champion." Then, he introduced to Zhong Guanguan and said, "This is our Xia manager." ”

Zhong Guanguan glanced at Xia and nodded reservedly.

Looking at this champion in the summer, he is about forty years old, and he may look rather anxious and old from his face because he often handles cases, but this does not affect the experience he has accumulated as an old comrade who has worked on the political and legal front for a long time.

After he sat down, Wang Weifu became a supporting role, and took out the interrogation record and prepared to make a record. And he started to fight against Summer. He took a piece of paper out of his briefcase, unfolded it inadvertently in the summer, and pressed it against the table.

On the other hand, Xia really looks a bit like the selfless world in his heart, except for looking at the other party's facial expressions and paying attention to his words, he doesn't care about the small movements of his hands.

Then, Zhong Guanguan began to ask some questions related to the loans of Guiz Merchants (Shenzhen) Company and Shenzhen Taishan Industry and Trade Company. Summer answered them all.

Later, Zhong Guanguan asked: "After Shao Hua made the loan, he kept sending the money away, have you taken care of it?"

Xia said: "In the beginning, after the loan was issued, we didn't care how he used it, but later, the financial services agency said that it would strengthen supervision, and only then did it have a large-amount approval system, and we would approve it." ”

Zhong Guanguan asked again: "I heard that a lot of money went to places that Shao Hua was reluctant to do?"

Summer asked solemnly: "What do you mean by that? We, as loan managers, have never asked him where to send a sum of money. ”

After hearing this, Zhong Guanguan continued to ask: "Then why did Shao Hua say that there are more than one million interest expenses and the competent authorities?"

Xia explained: "When you say this, I understand! What Shao Hua is talking about, that is, what you are concerned about, is the issue of interest rate spreads. Let me tell you this, I have been in the bank for 20 years, and the problem of interest rate spread was only encountered by the financial service agency in Shenzhen. ”

Zhong Guanguan said, "Can you introduce us to it?"

Xia said: "In order to make a loan in our Shenzhen Financial Services Society, in addition to being secured and guaranteed, there must also be a deposit. In the mainland, generally speaking, the problem of deposits is a matter for the banks themselves, that is, the banks only lend money when they have money, and if they don't have money, it is difficult for a clever woman to cook without rice, and she cannot lend money. However, everything is possible in Shenzhen. The bank does not have a deposit, and the borrowing enterprise brings it to the bank, and the bank lends it to it. However, there is a price for the deposit brought in, and there is also a market price, and the part of the deposit that exceeds the interest rate set by the People's Bank of China is called the interest rate differential, which is bought by the borrower. ”

Zhong Guanguan asked, "Is this legal?"

Summer said: "Whether it's legal or not, I don't dare to say." The first is the voluntary behavior of borrowers and depositors, Zhou Yu beats Huang Gai, one dares to fight, the other is willing to suffer, and the bank pretends not to see it, and is happy to do it. Second, the president of the People's Bank of China said at the all-bank staff meeting: 'Is the head office of the People's Bank of China not aware of this situation in Shenzhen? Doesn't the State Council know about it? It is precisely because this situation is getting more and more serious that there is a People's Bank. ’”

Summer paused at this point, smiled and asked, "Can you understand the meaning of our president's speech positively?"

Zhong Guanguan smiled and said, "I heard a little. Can you give us some information about the deposit packages of Shao Hua's two company loans?"

Summer said, "Yes." ”

With that, he stood up and went to the safe on his left hand hand side to take out the work ledger and prepare to take it to the table. At this moment, Xia saw a receipt from the Shenzhen Special Economic Zone Instrument Company that enlarged the original paper less than 64 open to the size of A4 paper in front of Zhong Guanguan. Summer knew that this was also opened by Fan Ting, his wife who is the company's accountant.

Summer thought in her heart: "Shao Hua, this guy, have burned the fire on me." No wonder Shao Hua's younger brother came to me with something to say, and he stopped talking. Shao Hua thought that I had eaten up the spread, which would explain why he had given him a loan of more than 10 million yuan and did not even invite him to a meal. ”

While thinking about it, Xia quietly wrote a letter of assistance, and after writing it, he said to them: "Wait a minute, I will ask President Wang to approve it and ask the sales department to handle it." ”

Summer came to the president's office and told Wang Xianyao about the content of the investigation, and Wang Xianyao signed it.

Summer returned to the office and made a phone call to call Wang Yang to come. After Wang Yang came, in front of Zhong Guanguan and the two of them, he handed over and said: "You take this to the sales department, ask Director Tan to check, and if the money is transferred to the other party, you must make a copy of the summons." Pick it up tomorrow morning at nine o'clock. ”

After Wang Yang left, Zhong Guanguan continued to ask: "Manager Xia, do you know where Heihe Securities is?"

"I really don't know, I haven't dealt with them," Summer said. The question of where the depositor or intermediary is now has nothing to do with me, nor with the bank, but you have to find out for yourself. Banks don't want to know about this issue from the very beginning. ”

At this point, Zhong Champion didn't seem to have anything to ask. Xia asked rhetorically: "Do you still want to ask me why I am the legal representative of the Special Zone Instrument Company?"

Zhong Guanguan was stunned when he heard this, and hurriedly said, "This is no longer a problem. ”

Then, Wang Weifu showed the interrogation transcript to Xia, and Zhong Guanguan said seriously: "If you think that the record is different from your meaning, you can change it, and your statement shall prevail." ”

Summer said, "Okay. ”

After reading it, Summer wrote:

The transcript is no different from my statement, and it should be noted that as a Communist Party member who has been educated by the Party for many years, I provide my opinions in the spirit of being responsible for the cause, and I add the following:

1. The loan of these two companies is legal and effective. So far, it can be said that it is one of the better loans in the citizen banking system. Although the contract was ruled invalid by the court, this was only the meaning of the financial service cooperative's business scope, and the defendant still had to bear the responsibility.

2. The two-level company of Gui Z Merchants Company has never told the bank that Shao Hua is the contractor, and the information of the Shenzhen Industrial and Commercial Bureau also shows that to this day, Shao Hua is still the legal representative and not the contractor.

3. The loan provided by Hubei Financial Services Society to the two companies was an act of collective research. At present, in addition to me as a credit manager, who is still in the branch, the two deputy general managers of Hubei Financial Services at that time, Chen Jiaojiao and Qin Xianhong, are also still in the branch and can be investigated.

After writing it in the summer, I read it myself, and I thought it could explain the problem, so I showed it to Zhong Guanguan. After reading it, Zhong Guanguan said with a smile: "Press a handprint to us to show your responsibility." ”

Summer also smiled and asked, "Left hand or right hand?"

Wang Weifu said, "Press it with your right hand." ”

When Wang Weifu left, he said to Xia: "Section Chief Xia, I'll come back tomorrow morning to get those copies." ”

Summer said, "Okay. ”

Wang Weifu and Zhong Guanguan immediately came to the president's room and said to Wang Xianyao: "President Wang, I'm sorry!"

Wang Xianyao asked, "How is the situation?"

Zhong Guanguan said: "Chief Xia is a strong section chief, a character, and worthy of being the president's cadre. ”

Governor Wang smiled and said, "Why didn't I see it?"

Zhong Guanguan said: "You don't see that you will use him? Hey, Wang Weifu will come back tomorrow morning to get those copies, please support him!"

"Don't worry. Wang Xianyao shook hands with the two and said goodbye. (To be continued.) )