The Asset Loss Prevention Department of the People's Bank of China organized a special meeting on the loan collection of Shenzhen Wuhu Sihai Trading Co., Ltd. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ

In the citizen banking system, there are four sub-branches that have lent money to this company, namely: Zhenxing Sub-branch has four loans of 16 million yuan, Zhongxing Sub-branch has three loans of 9.7 million yuan, Hubei Sub-branch has a loan of 6.3 million yuan, and Shennan Middle Road Sub-branch has a loan of 5 million yuan. The loss prevention department notified the supervisors of the four branches to meet and coordinate with the head office. Therefore, in the summer, the Hubei branch packed the prepared materials in a briefcase and drove to the loss prevention department of the head office.

As mentioned in the book, Zhu Renkang, an old colleague who worked in the SEZ headquarters in the summer, and later served as the deputy general manager of Shenzhen Shenshan Chemical Co., Ltd. and went to Hubei Financial Services Co., Ltd. to handle loans, was already the head of the credit section of the Zhenxing sub-branch at this time. Because of the loan from Shenzhen Five Lakes and Four Seas Trading Co., Ltd., I also came to attend the meeting. After the summer arrived, Zhu Renkang stood up and said, "Minister Xia, hello!"

Xia held Zhu Renkang's hand and said with a smile: "What minister is not minister, pay attention to the influence." ”

At this time, Wan Zhongyi asked, "You were colleagues in the past?"

Zhu Renkang said: "Section Chief Xia used to be my immediate boss. After explaining, he said in a joking tone: "You see, Shenzhen is so big, it once broke up, and now it is jointly owned by the Citizens Bank." ”

Wan Zhongyi said: "Now, what the two of you jointly own is non-performing assets, and today's meeting is to study and work together to clear them." ”

Xia asked Zhu Renkang: "How much do you borrow?"

Zhu Renkang said: "It may be the first, 16 million yuan." ”

Summer asked, "Is there any collateral?"

"Guarantees. Zhu Renkang said lightly.

Xia seemed to suddenly remember something, and asked, "Do you have any recent news about our old leader Li Qiguo?"

Zhu Renkang said with a smile: "Lao Li is very interesting, he opened a private company and sold lighting. I opened an account with me, sometimes I had to make a transfer of 10,000 or 20,000 yuan, and a few days in advance I made a few inquiries, and as soon as the money arrived, it didn't stop for half a day, and then it was transferred. ”

Xia asked: "He is in the lighting business, is it a partnership with Xia Chunlei of our original inline enterprise Platinum Lighting Company?"

Zhu Renkang replied: "It is possible for Xia Chunlei to supply, but it is not like a partnership. ”

Xia said: "In general, Lao Li is a failure in his career. He is a pioneer in the construction of the Special Economic Zone, and he does not even have a house to support his family until now, which is indeed sympathetic. Recently, it seems that because of the bankruptcy of the SAR head office, he has been scolding the boss who took over him in the newspapers. He immediately took the money away, and I think it has something to do with the rights and wrongs he is entangled in. ”

"I think it's eighty percent too. Zhu Renkang echoed.

After a while, the meeting officially began, and Wan Zhongyi said: "We invite the comrades of the four branches today to discuss the collection of loans from Shenzhen Wuhu Sihai Trading Co., Ltd. This company has borrowed 37 million yuan from four branches in our system, and now not only has the principal not been recovered, but also owes 12.5 million yuan in interest, and the total principal and interest is already 50 million yuan. However, the company gives the impression that people go empty. I can't pay off my debts with anything decent. According to the investigation, except for the 6.3 million yuan loan that the company mortgaged to the Hubei branch with a piece of Shanwei land from a third party, the others were guarantees. However, after investigation, it was found that many of the guarantee units were also empty, and only two units could still find people, one was Shenyuan Company, and the other was Yufeng Jinlong Restaurant. ”

When Wan Zhongyi said this, Xia interrupted his speech and asked, "Which lender guaranteed the Yufeng Golden Dragon Restaurant?"

Wan Zhongyi said: "It's your old colleague, Zhu Renkang of the revitalization branch, who has 5 million yuan of it." ”

Xia said: "Yufeng Jinlong Restaurant itself already has a debt of more than 30 million yuan, and it has no property, how can it guarantee 5 million?"

Zhu Renkang said: "Doesn't it have a big restaurant?"

Xia said: "Brother, his house is rented, the landlord of that building is a listed company, and the company's boss, Tong Ke, once came to my office to talk about things. He told me that the Yufeng Golden Dragon Restaurant had been rented for ten years. According to the contract, ten years later, even the kitchen knife that the chef now uses to cut vegetables is the landlord's. I ask you: What is it jointly and severally liable?"

Everyone sighed.

The meeting decided that the loss prevention department of the head office and the Hubei branch would jointly form a working group and invite the judges of the Luohu Court to Shanwei as soon as possible to implement the seizure and auction of the land.

In the president's office of the Hubei branch, Wang Xianyao was organizing a meeting of middle-level cadres. Before the meeting, Wang Xianyao said to Xia: "Today and tomorrow, funds are tight, you ask Xiong Zilun to borrow 30 million yuan from the head office to solve the urgent need." ”

Summer said, "Okay. After that, he went to the planning office to hand it over.

After returning to the president's office in the summer, Wang Xianyao officially held a meeting. He said: "Today's meeting has several contents, the first is to inform you that the head office has a new vice president, Comrade Shen Yimin, the former president of the Shennan Middle Road Branch, who is in charge of the work of the credit department, the legal department and the asset loss prevention department after he arrives at the head office. Corresponding to our branch is Lao Xia's stall, I hope to connect well. The second topic is the preparation of the recruitment committee of the head office to recruit cadres at the branch and department level. When I held a meeting at the head office, the leaders of the bank repeatedly said that this is a major measure for the reform of the personnel system, and it is necessary to let the comrades of the whole bank understand and let the comrades of the whole bank take action and use talents without sticking to one pattern. The official documents of the head office have arrived, and I asked Han Xiaoniu to hurry up and let everyone circulate it, and the list will be reported in the next two days. Everyone is required to actively sign up and accept the recommendation and selection of the organization. The third topic, as you heard just now, asked Section Chief Xia to go to the head office to borrow money, which means that we have encountered the problem of position again. It would be better if our family was short of funds, but 'the house leak happened to rain overnight', and the funds of the whole system were very tight throughout September, and we may not be able to borrow even if we want to. So, the ball is on our side of the pitch again. To put it bluntly, we still have to rely on ourselves to solve the funds! In the sub-branch, we must first rely on all of you. Tomorrow, Section Chief Xia and comrades from the Asset Loss Prevention Department of the head office will go to Shanwei to seize the land of the trading company from all over the world and auction it for cash as soon as possible; on the other hand, we must make a breakthrough in the deposits, and we should not always stay at the level of hundreds of thousands or millions. President Chen made a plan, according to the different ranks and nature of the work of the comrades in the bank, all the tasks were adjusted, and the full performance salary can be received if the task is completed, and the proportion will be deducted if it is not completed. Wait a minute, President Chen will read the plan, and after everyone discusses it, an official document will be formed for implementation. The fourth topic is to strengthen the education and assessment of employees in various departments. Everyone should think about it, think of a way, and do the work carefully. I think the Planning Credit Section is doing a good job in this regard. The salary of their employees is calculated to the corner of each employee, everything is done according to the system, everything is according to the performance, and it is not okay for their colleagues to be dissatisfied. I would also like to say in particular that everyone should be clear that the comrades of every branch and the Planning and Credit Section are the most difficult to control, and their thinking is also the most active and complex. It is not easy for Chief Xia to grind like this, I don't think it's easy. Therefore, all departments should strengthen management in this regard and do their work in detail. Next, I would like to invite Governor Chen to talk about the plan for the deposit task. ”

Chen continued: "This plan is the preliminary opinion of me and President Wang, and it is not necessarily mature. ……”

In the afternoon, Xia was in the office to review the Luohu court's verdict against Shenzhen Wuhu Sihai Trading Co., Ltd., so as to be fully prepared for tomorrow's trip to Shanwei. At this time, Wang Xianyao called and asked Xia: "Lao Xia, do you have any intention of recruiting the president that you talked about in the morning?"

Summer smiled and said, "Thank you, President, for your concern." After reading the documents of the head office, I can say that I am qualified, but I always feel that I have no courage. So, I think I'll forget it, let the comrades who need to be the president sign up more! Thank you, President. ”

Wang Xianyao said helplessly: "Okay." ”

Summer put down the phone and continued to read the verdict. After reading it, Xia pondered: "Shenzhen Wuhu Sihai Trading Co., Ltd. has a loan of 6.3 million yuan, and the legal representative is Li Joining, and the mortgagee is Shanwei Yongye Group, and the legal representative is also Li Joining, what is the legal connection between the two companies?"

In the summer, the mortgaged land is 10,600 square meters of land in Ximen Village, Shanwei. At that time, no real estate certificate was issued, and the mortgage procedure was issued by the Shanwei Land Management Department with a steel seal, which stated:

Business letter

Due to the fact that the land department of our city is suspending the real estate license business during the establishment of the institution, the mortgage of 10,600 square meters of land in Ximen Village mortgaged by Shanwei Yongye Group to your unit for loan has been filed and registered with our bureau.

It is hereby certified.

Shanwei Land and Resources Administration Bureau (steel seal)

24 December 1994

In the course of hearing the case, the Luohu Court also agreed to the mortgage registration. In other words, if there is no real estate certificate, it is also considered to have been mortgaged. On the other hand, when making loans, Bu must have agreed to two guarantee units, one is Sanzhoutian Co., Ltd., which was taken by Zhong Jianzhong to Grand Yuntian for tea in the summer, and the other is Shenzhen Sino Trade Development Company. However, both companies are now empty.

Xia secretly rejoiced: "Whether it is Sanzhoutian Company or Wuhu Sihai Trading Company, when they found me, they denied their loan applications, especially when Wuhu Sihai Company was ready to guarantee a loan of 2 million yuan to Shenzhen Hum Ha Textile Co., Ltd., which was introduced by Qin Xianhong, deputy general manager of the financial service cooperative, I unequivocally vetoed its guarantee qualifications, which caused Lao Qin's dissatisfaction." Now it seems, I'm still right. However, this company still did relatively well in the financial services of the year, and the Shennan Middle Road Branch, which has now been promoted to vice president of the head office, has obtained a loan of 5 million yuan. This also shows from one side that there is no general who always wins when making loans, whether it is good or not, whether it is high or not, whether it is high or not, it is only relative. (To be continued.) )