Also in the afternoon of this day, Qin Xianhong, deputy general manager of Hubei Financial Services Society, took Bu to Bao'an, and after several twists and turns, he found Shenzhen Bao'an Special Commodity Sales Company. Pen ~ fun ~ pavilion www.biquge.info this company is a local collective enterprise in Bao'an, which was restructured from the original supply and marketing cooperative. It should be said that this company is an enterprise with certain assets and its operation is also on track. Due to the plan to purchase a batch of goods in Hong Kong, there is a shortage of funds and bank loans are urgently needed.

The legal representative of this company is called Chen Zhenghe, who is also a local. A few days ago, through the introduction of his subordinates, I knew that there was an acquaintance under my subordinates who was the deputy general manager of Hubei Financial Services Co., Ltd., so I asked him to contact him.

Chen Zhenghe thought: "It's better for me not to come forward first, and let the finance minister talk to them, so that I have more room for maneuver." So, Chen Zhenghe called Minister Wu of the Ministry of Finance, and after such a face-to-face lecture, he hurriedly left with his briefcase.

Qin Xianhong and Bu must be two outsiders when it comes to loan operations. However, it may also be because of the black ink closer, Bu must have often listened to Xia and Xu Donghai negotiating with customers, and he also knew a little bit about it. Therefore, after the two met Minister Wu, they talked with Bu as the protagonist.

Bu must have said: "Compared with professional banks, although our financial service agency is not as strong as them, we provide good services. For example, like today's loan, we can do it, but professional banks may not be able to do it. ”

"So, what are the conditions for you to give us a loan, or what is different from other banks?" asked Minister Wu.

At this time, Qin Xianhong introduced in a timely manner: "Because our strength is relatively weak, we usually need the borrower to bring his own deposit to make a loan. ”

Minister Wu asked, "Since I have a deposit with you, why do I need to take out a loan?"

"That's not the case," Bu must have immediately explained: "For example, if your friend has a deposit, or another unit has a deposit, but it can't be used directly for you, you can introduce it to us to save it and make a loan for you." Generally speaking, if you deposit 5 million, you can make a loan of 3.5 million. ”

"Let me ask another question," said Minister Wu, "if the deposit and loan are both for one year, and my loan cannot be repaid for a while when it expires, can the deposit be returned?"

"Yes, in theory. Bu must have said, "As far as your loan is concerned, since you are a friend of Mr. Qin, we don't ask you to organize another deposit, just use the deposit we organized back." ”

"So, what is the interest rate?" asked Minister Wu.

Bu must say: "Now, the interest rate in Shenzhen's financial market is a bit high, and the deposits are more than two cents. We don't dare to raise you, even if the loan is two or three, let's see if Mr. Qin agrees?"

"Isn't the monthly interest rate of a one-year loan 12.98‰?" asked Minister Wu.

"The monthly interest rate is 12.98‰, which is not wrong, this is what our bank collects, and the rest is the interest rate difference made up to depositors. And there is no receipt for this part. Bu must have explained.

"If I don't have a receipt, how can I repay the bill!" Minister Wu said puzzled. After a while, he said: "Our President Chen is having a meeting in the district, and when he comes back, I will make a report to him." When it's over, I'll call you and decide whether or not to borrow, and how much. Okay, okay?"

Qin Xianhong found that he was a little unspeculative, so he said, "In this case, let's go back first." ”

Minister Wu said, "We've come all the way here, let's have a light meal, shall we?"

"No, let's go now. Qin Xianhong said.

Minister Wu sent the two away and immediately called Chen Zhenghe to get in touch.

Minister Wu told Chen Zhenghe: "Mr. Chen, the two of them are gone, and the situation is like this: the loan is okay, but it is a bit strange to do it." ”

"What's the weird way? Well, I'll go back to the office right away and talk about it later." Chen Zhenghe said.

In less than fifteen minutes, Chen Zhenghe returned to his office on the second floor. Minister Wu also immediately arrived at his office and closed the door. Then, he repeated the conversation he had just said to Chen Zhenghe.

Chen Zhenghe listened while knocking on the table with his right hand from time to time. A few words are tumbling in my head: loans, deposits, interest rates, spreads, no receipts.

After Minister Wu's report, Chen Zhenghe seemed to be talking to himself and to Minister Wu: "Loans are needed, but it is unacceptable to know who the deposit spread without a receipt is given." ……”

The two stayed in the office for a short time, and in the end, Chen Zhenghe was so experienced that he instructed Minister Wu: "Tomorrow you bring my miniature tape recorder, put it in your pocket, press it, and talk to him again about the above keywords, and then, the process and amount of calculating the interest rate difference should also be recorded, one tape is not enough, you can bring two more boxes." Even if it's a secret recording, let's get out of the account. ”

Minister Wu said complimentarily: "Mr. Chen is still flexible and will find a way." ”

In the morning, the leaders of Hubei Financial Services Co., Ltd., after breakfast, were all in Qin Xianhong's office to talk about things, and the questions focused on the pros and cons of finding a stand-in company for the loan of Anyan Auto City Company.

Chen Shiqing said: "If more than a dozen companies are called to change the situation, the People's Bank of China's regulatory regulations will be in line with them, but what about the accounts of the business department? ”

"Manager Chen has a point," Qin Xianhong said, "Why don't you just ask An Yan to discuss with Anwei Village, and some loans will be distributed in the account of Anwei Village, and then transferred to Anyan Auto City for use, isn't this just a family matter?"

"Hey, this is a good solution!" Chen Shiqing said excitedly, "In this case, if the People's Bank of China finds out, there will be a step down, after all, the two of them are one family." In addition, I think it is more appropriate to ask the Anyan Automobile City Company to pay back some. ”

"That's good," Zhuang Yu said, "Since your thoughts are relatively unified, do as you say." The first is to ask the Anyan Automobile City Company to pay back some and ask Xiao Yilin to come over and talk about it; second, Xiao Yilin will go to discuss with Anwei Village, divide the loan, sign the contract, and make accounts. ”

Zhuang Yu had just finished speaking and was about to leave, when Huang Lin stood at the door, knocked on the door, and said, "Mr. Zhuang, I have something to look for you." ”

Zhuang Yu asked, "What's the matter?"

Huang Lin said: "I wanted to go back to my hometown in Hu*, but I was worried about affecting the business of our financial services agency, so my husband told me to simply resign." I'll take the train back tomorrow. ”

Qin Xianhong asked, "Do you have an opinion on us?"

"No, Mr. Zhuang and Mr. Qin are very good people. Huang Lin said.

Zhuang Yu said: "Huang Lin, Teacher Zhang said to me when he left, you have a future for training, and I will use you like this." If you want to leave now, I will first keep you, and if there is really something at home, you can also ask for leave. Did you find a better unit?"

"No," Huang Lin said, "I really have something at home to resign." ”

Zhuang Yu said: "If you really want to resign, I can't keep you." You give the job to Wu Dongmei. ”

Then, he said to Chen Shiqing: "Manager Chen, you tell Wu Dongmei." ”

Chen Shiqing said: "Okay. ”

Near noon, Xia and Xu Donghai were sitting in the credit manager's office, and Huang Lin walked in and said, "Two big brothers, bye!"

Xu and Xia were both surprised, and asked in unison, "Do you want to leave?"

"Gee, I've wanted to leave for a long time. When Teacher Zhang Jingjing was leaving, he said to me, "The account here is a bastard. He said that I was still young, so I should not wade into this troubled water, but leave quickly. ”

Summer asked, "Where are you going?"

Huang Lin said: "I will go to work at Guangfa tomorrow. ”

"It's still young lady capable, Lao Xia, isn't it?" said Xu Donghai.

"Admire!" Summer responded.

"Then I'm leaving. Huang Lin said.

Xu Donghai said anxiously: "Don't you invite me to have a meal with Lao Xia or something?"

"Another day!" Huang Lin left the Hubei Financial Services Agency like a gust of wind.

"Another day?"

Bu must have said to Minister Wu of the Bao'an Special Commodity Sales Company in the Dajiangnan Teahouse: "Don't change the day, the bill will be paid in the afternoon." In addition, "

Minister Wu said: "Manager Bu is really happy to do things, and the loan was completed in two days. Let's go to Jingpeng Hotel for lunch at noon, otherwise, I really can't go. ”

"Okay, I'll call Mr. Qin later, and now we'll complete the spread procedures." Bu must have taken out the computer and said to Minister Wu: "I will calculate the total number of interest rate spreads for you: the market monthly interest rate we agreed on is 23‰, minus the loan interest rate stipulated by the state of 12.98‰, and then multiplied by the loan amount of 3.5 million, and then multiplied by 12 months, which is equal to 420,840 yuan." ”

After Bu must have finished speaking, he glanced at Minister Wu, and estimated that he had no objection, so he said: "This spread, when you issue the account, you write two checks: one with an amount of 210,000 integers, and the other with an amount of 210,840 yuan. ”

Minister Wu said, "Okay, let's go to the hotel for lunch first, shall we?"

"Okay, I'll call Mr. Qin. After Bu must have finished speaking, he immediately asked Qin Xianhong to go to the second floor of the Jingpeng Hotel. This meal was eaten until two o'clock in the afternoon. When they returned, the $3.5 million loan was released.

What Qin Xianhong and Bu must not know is that Minister Wu used two audio tapes in order to make this loan, and even the sound of drinking during dinner was recorded in it. Minister Wu returned to the company and handed over the tape recorder and tape to Chen Zhenghe. Chen Zhenghe was so happy that he locked the two tapes in the safe.

This is the original audio tape provided to the court by the defendant as evidence of debt avoidance when the Bao'an Court heard the loan dispute between Shenzhen Bao'an Special Commodity Sales Company and Hubei Financial Services Society two years later, and it is also one of the cases that will be described in this book.

There is a digression in this case: Since the loan handled by Bu must have been used to digest the surplus position of the Hubei Financial Services Society, the interest rate difference should have been handed over in full to the small account of the company, but he transferred 210,000 yuan of the more than 420,000 yuan of the interest rate difference received to the account of Ning Duosi Company, a related household designated by Bu Ming, and falsely claimed that the loan was matched by the company's 4 million yuan deposit. Bu must have used what means to make Zhuang Yu and Qin Xianhong change their original intentions, and treat the loan they had said a few days ago for the position of the emergency digestion financial service agency as a "deposit and loan-linked" loan introduced by others, others do not know, but his style is tantamount to opening the "Pandora's box" by himself, and the demons in his heart are becoming more and more out of control, and it is not easy to save trouble in the future.

However, it may be implicit in the misfortune that the outside decision-makers who learned about it two years later will not necessarily delve into the responsibility of the people who have escaped a tragedy in their lives.