The next morning, Xia handed over the request he had written for Chen Jiaojiao to sign the request for the loan collateral of Bao'an Welfare Bed Industry Company, and the absent-minded Chen Jiaojiao was not very willing to sign the document.

Later, although Xia Xia persuaded him to sign very reluctantly, after signing, he said: "Lao Xia, we have been together for a few years, why don't you find a better job outside? According to your ability, how can you earn a salary of 3 to 5,000 yuan a month?

Summer felt very sudden, and I didn't know how to answer. When he looked at Chen Homework again, Chen Homework didn't dare to face Summer's eyes.

Summer left Chen Job's office, took the document to the confidential room and handed it over to Han Xiaoniu to print, returned to the office by himself, and closed the door to think about what Chen Homework said.

He was thinking, "Listen to Governor Chen's meaning, he wants me to leave the Citizens Bank." There are a few issues that have not yet been clarified: First, is this President Chen's personal opinion, or is it a common sentiment between him and President Wang? A few days ago, he also communicated with me about the discussion at the meeting of the party committee of the head office, and it seems that the party committee at a higher level still has a very positive evaluation of me. Second, if even President Wang, who is about to leave the branch, wants me to leave, then from which angle did he think about it?......

At this time, not long ago, because Wang Xianyao wanted to solve the contradiction between Xu Donghai and Xia, the scene of finding Xia to talk to Xia appeared in front of his eyes: when Wang Xianyao listened to Xia's narration, Wang Xianyao said casually: "You also have some things that you haven't told me. At that time, when Xia heard Wang Xianyao say this, he raised his head and glanced at Wang Xianyao, trying to judge clearly what he said about "some things". However, Wang Xianyao's gaze had already moved away, and he was looking at the notebook on the table, no longer speaking.

Xia then thought: "At that time, President Wang didn't say it thoroughly. If he also has this intention, do they hope that everyone will leave together, and come to a courtier who is a son of heaven and a courtier, and take retreat as an advance, so that the new leader will not be able to find the north, or do they think that the loans I made during the original financial service society period have quality problems, and the new leader should make up his mind to investigate and hold him accountable? However, in terms of the total number of households, two-thirds of the loans I made have been cleared, which is a very high proportion of the loans of the financial service cooperatives, and it is also commendable! So, is it because the head office doesn't use me and suggests that I should not delay my future and kindly remind me? When I proposed to take up a post in the Sungang office, I was thinking about my future, but the president was not afraid of my future and insisted on living or dying to death. Third, could it be that the president estimates that I know too much, and that they will not be able to step down in the future, and let me be Zhang Hai's second: let me leave first, and later, you can push some things on my head? Yes, speaking of Zhang Hai, the verdict of the loan handled by President Chen has not yet been exposed, and if he tells the new leader in the future that the planning department under my leadership did it, it will be even more embarrassing. Fourth, could it be that the leading body of the head office has given overall consideration to the management team of the Hubei sub-branch, and I am in a rather embarrassing situation, and Chen Jiao came forward to hint at it, so that I will retreat in the face of difficulties? However, in the past few years, I have survived so many rights and wrongs, is there anything more troublesome than the special projects of the Discipline Inspection Commission and the public, procuratorate, and judicial authorities?

After thinking about it again and again, I felt that I didn't know what had happened or what was going to happen, and it would do more harm than good to me by leaving the Hubei branch easily. Moreover, as a living dictionary of the Hubei Branch, once he leaves, it will be a catastrophic loss for the "two clearances" work of the Hubei Branch. Thinking about it from this point, it shows that there is no hope for Chen Jiao to be promoted to the governor, which logically explains why he has never been interested in the "two clearances" work during this time, and you just ask him again and again, and he is also unwilling to express his opinions.

Later, Summer said to herself, "I don't believe in this little evil." You still have to see what happened, and you have to let me go. Even if the head office wants to fire me, an excellent member, but also let the head office speak out, we all clearly know that we will face the possible outcome that everyone is afraid of, and the non-performing assets of nearly one billion yuan formed by history will not be recovered, and I will not necessarily be a deserter facing difficulties, and there will be some reasons to leave at that time. ”

As soon as Xia had a clue, Han Xiaoniu came in with the document and said to Xia: "Manager, your document is clear, you can review it, and then return it to me." ”

Summer took Han Xiaoniu's printed document and checked it:

Shenzhen Minxing Bank Hubei Branch documents

Shenshi Yinhu Zi 1999 No. 034

Instructions on the flexible handling of the loan collateral of Bao'an Welfare Bed Industry Company

Head Office:

On December 27, 1994, Shenzhen Bao'an Welfare Bed Industry Co., Ltd. borrowed 3.2 million yuan from the former Shenzhen Hubei Financial Services Society with the properties of Yuefang Dizi No. 267697, 267698 and 223521 owned by the Bao'an District Industrial Village Committee as collateral. On November 3, 1997, the Municipal Intermediate People's Court ruled that the two defendants should settle their debts by virtue of the Shen Zhong Fa Jing Chu Zi No. 1170 Civil Judgment. On May 20, 1998, the Provincial High Court rejected the appeal and upheld the original judgment in the 1998 Yue Fa Jing Er Shang Zi No. 170 judgment. Since the industrial village committee refused to sign the judgment and the enforcement notice, our bank immediately requested the court to announce it in accordance with the law.

At the same time, according to the opinions of the villagers, the industrial village committee reported the fraud case to the political and legal organs and filed a case for investigation on the pretext that the borrowing enterprise and its legal representative, Chen Lianping, had defrauded the industrial village property of being used as a mortgage for fraudulent loans. In October last year, the Industrial Village Committee submitted an application to the Supreme People's Court for a retrial, and the Provincial High Court initiated the retrial procedure, ruled to uphold the final judgment, and recently notified the resumption of enforcement procedures.

On June 15 this year, the Municipal Intermediate People's Court announced that the above-mentioned collateral was intended to be auctioned. On June 18, the villagers of the industrial village gathered to make trouble, and the district and town governments quickly organized the court and other personnel to quell the incident, and in the positive attitude of stabilizing the overall situation, the town government took the lead in organizing the town court, the town finance and accounting office, and the industrial village committee to form a coordination group to the enforcement court of the municipal intermediate court to discuss the possibility of enforcement settlement with our bank. On June 21, 1999, the town government made a very sincere advance of 1 million yuan to transfer the execution money to the Municipal Intermediate People's Court. At the same time, the Industrial Village Committee submitted to the court a request for a settlement report and an objection to the assessment report of the three factories in the industrial village. A map of the road network of two of the buildings secured by the loan is in the planned red line of the municipal highway.

After negotiation, the parties agreed that the court would entrust an intermediary agency to further confirm the value of the collateral. On June 25, the real estate appraisal and trading company entrusted by the Municipal Intermediate People's Court revised and confirmed the original quotation of 825 yuan square meters to 680 yuan square meters, that is, the factory building of 3,645 square meters was adjusted from the original appraisal price of 30.07 million yuan to 247.86 million yuan.

On June 29, the town government came to coordinate again, and its basic opinion was that on the premise that the bank would not pay any fees, the town government should pay the actual repayment of 2 million yuan to our bank, and then immediately terminate the mortgage relationship of the three factories of the industrial village committee. The other party has repeatedly stated that it will not make concessions on the amount it has paid on its behalf.

In the process of coordination, the Bank firmly grasps the political factors that have emerged in favor of realization, and constantly strives for a price that is favorable to the Bank, but at the same time, it also takes into account the following factors:

1. The three factories are old, and the buyer has paid a lot of expenses, so it is unlikely that the auction will be completed at the revised price

2. The factory building is a fund-raising house for self-use, which is located in the environment of the village, and is within the newly planned road red line of the municipal avenue, after entering the auction procedure. Price adjustment is risky.

3. The appraisal price of 247.86 million yuan is the price including business tax, auction fees, deed tax and other expenses, and the actual repayment amount is 2 million yuan, with an actual difference of 20.3 million yuan.

Based on the analysis of the above factors, our bank suggests: make a decision immediately, sign a settlement agreement, and realize it quickly.

Is it okay? Please give instructions.

Attachments: 1. An evaluation report

2. Request for a settlement report

3. A copy of the text of the settlement agreement

4. A copy of the judgment of the Provincial High Court.

30 June 1999

In the process of signing this document, Chen Jiao showed an ambiguous attitude, as if he was not willing to deal with the result so quickly. However, Xia felt that since the government was helping to realize the cash, it was obviously beneficial to auction it in the future, and urged the head office to decide. As a result, Chen reluctantly signed his opinion agreeing to the report. In the afternoon of the same day, Xia took this printed document and went directly to the asset loss prevention department of the head office to report to Shen Lixia. After Shen Lixia had a first impression, she promised to study and reply to the Hubei branch as soon as possible. And said that, in her personal opinion, she was inclined to support this workaround.