"Manager Xia, I'm Ke Shaoji. Pen & Fun & Pavilion www.biquge.info" On the phone, Ke Shaoji of Merlin Financial Services said to Summer.

Xia took Ke Shaoji's words and asked, "What care does Manager Ke have today?"

"Your loan is liberalized, I will introduce a customer to you, he is a fellow countryman, he has a mortgage, and he brings his own deposit, is it acceptable?" Ke Shaoji said.

"Acceptable, ask him to come to me and talk. Summer said yes, but thought to himself, why didn't he do it himself?

"Manager Xia, then I asked him to contact you. Ke Shaoji said.

In the morning, Huang Zhonghui and his main assistant Zhang Shuangmu, who is also called brother-in-law, came to Zhuang Yu's office to discuss with Hubei Financial Services about the issue of the remaining loans in the 30 million yuan loan contract. Zhuang Yu immediately called Summer to the office to negotiate together. Xia proposed a plan to transfer mortgage rights, that is, according to the stipulation that each loan customer cannot exceed 5.4 million yuan, it is better for Huang Zhonghui to find four companies to borrow 5.4 million yuan each. The original mortgage procedures will not be re-registered, and the agreement of the mortgagor to transfer the mortgage rights and the guarantee of the Royal Dragon Hotel will be adopted to solve the credit risk of the new borrower.

Although Summer has never done it, I don't know how the court will determine it in the future. But he thinks that it should be defensible, which is also called creation!

Huang Zhonghui agreed with the plan and said the following companies in one breath: "SZ Bao'an Harmonious Trade Development Company" opened by his friend Huang Yihui, "SZ Longteng Industrial Company" opened by his younger brother Huang Zhonghua, "Knorr Hotel" opened by his friend Ou Erlang's brother Ou Dalang, and "SZ Jintai Industrial Co., Ltd." opened by his uncle Huang Xian.

Summer calculated in his heart that if these four companies plus the Dragon Hotel itself were each 5.4 million yuan, it would reach 27 million yuan. Based on the deposit-loan ratio of 70%, it is roughly a deposit of 40 million yuan. However, at present, the deposits of financial service cooperatives are already relatively tight, so it is no longer possible to settle accounts at a monthly interest rate of two-thirds of the loans according to the original matching funds settled by financial service cooperatives. So, in the summer, he proposed to Huang Zhonghui to bring his own supporting deposits.

Huang Zhonghui said: "In this case, isn't the cost of borrowing higher?"

Summer explained: "We are really short of money now, we don't have savings, and no one can get out of the loans. ”

Huang Zhonghui proposed to Zhuang Yu: "I admit my postdated checks to pay the spread, but don't exchange them for the time being." ”

Zhuang Yu agreed.

As a result, Hubei Financial Services Co., Ltd. and Huanglong Hotel finalized a plan to gradually introduce deposits and loans.

After returning to the credit manager's office in the summer, Linghua called and invited Zhuang Yu and Xia to have dinner at the Dorsett Hotel in the evening. Summer to express gratitude.

At noon, Xia had lunch at the financial services club and was about to take a break on the sofa, with the title of "Manager Xia", Xiong Zilun walked in, she continued: "I want to ask you. ”

Summer said, "What do I have that you should ask?"

"What are you talking about!" Xiong Zilun said: "Mr. Zhuang has already asked me to ask you for advice, which shows that you have a high level." ”

Summer said, "Haven't you been doing it for more than half a year without asking for advice?"

Xiong Zilun said: "I'm just touching it. Really, I ask you to help me see if my position chart is designed to make sense. With that, he took out a watch and gave it to Summer.

Summer, apparently reluctant to look at her watch at noon, said, "I'll show you in the afternoon." ”

Xiong Zilun changed the topic and asked, "Manager Xia, what happened to the loan of the Hum Ha company?"

Summer asked rhetorically, "What, are you interested in this company?"

"I'm asking. Xiong Zilun said.

In the summer, she saw Xiong Zilun turn a big corner, in fact, she wanted to know about the loan of the company in which her husband Zhou struggled to take shares, but she was reluctant to say it explicitly, indicating that she was quite scheming. So, he said neither humbly nor arrogantly: "I'm doing it." ”

Xiong Zilun saw that it didn't seem appropriate to stay any longer, so he left.

Xu Donghai is also very busy in the office. At first, because of the fact that Hubei Financial Services Society issued a credit certificate to Anyan Company, Zhuang Yu and Chen Shiqing implied that the official seal of the Financial Services Society had been kept in his hands for a few days, and the implication may be that Xu Donghai stamped the credit certificate for Zhu Chier. Xu Donghai was worried that Zhuang Yu wanted to lose his pawn and protect the car, but he couldn't say it clearly, because if the person who was engaged in credit did not get along with the leader, he would end up in the end and would be unable to move an inch. Therefore, he could only swallow his anger and use his strength on the loan account. I said to myself in my heart: "Let them go about these troublesome things, if I make a loan, I will have a deposit, and if I have a deposit, if I don't do it for a year, I will still get a salary and bonus?"

Therefore, he vigorously excavated the loan accounts of the SZ Jianhua company system, and in more than two months, he basically got acquainted with the company's top and bottom and its branches. I got to know the company's leaders Li Yijian and Wu Weiwei and the heads of the main branches Zhang Yiwei, Zhu Jianjian, Chen Xiaoli, Liu Shu, and Liu Tradition. After talking, they were willing to give 100 taxi license plates as collateral. According to the appraisal report they provided, each license plate is now worth 400,000 yuan, although it was only 80,000 to 140,000 yuan in tenders. Of the 400,000 each, 100 can be counted together, and you can borrow 40 million yuan. Then, you can enter a deposit of nearly 60 million. The monthly deposit bonus alone is 40,000 yuan, what a big cake!

Xu Donghai's eyes were fixed on the notebook on the table, holding a fountain pen in his right hand, writing something in the notebook from time to time, and thinking in his heart:

By the way, it is necessary to queue up the enterprises they provide and do it in phases and batches in a planned manner. It will take some time for these companies to speak out: Jianhua Company is their head office, Myla Communication Company is engaged in communications, Zhonghua Color Printing Company is engaged in printing, Zhenhua Copper Clad Laminate Company is an electronic company, Guohua Car Rental Company and Zhong'an Car Company are taxi companies, and Furong Food Company is a producer of fast noodles. There is also a company called Longhai Hemp Cotton Company, I don't know what to produce? But I don't know if it doesn't matter, I have a mortgage and am afraid of him.

Now the problem is: Jianhua's willow introduced itself in the summer. Now, the Hubei Financial Services Society has to study and approve all loans, and in the summer, the Financial Services Society has designated the person who must solicit opinions on every loan. In order to get him to know the owner of Jianhua Company so that he can have a positive attitude towards the loan, it is necessary to pull him to do an activity. In addition, the distribution of the interests of his two loan officers should also be taken into account: Li Chaoyang, he has many customers who want to take out loans, and I just need to turn a blind eye and agree to the two of them; the problem is Wang Yang, who wants customers to have no customers, and wants to deposit but not deposit. By the way, I gave her a deposit of 5 million, which is equivalent to an increase of 3,500 yuan per month, and she is not willing to run errands?

"Yes, just do it, and don't worry about the rest. Xu Donghai said in his heart.

Then, he started the loan operation in full swing.

However, what Xu Donghai and even the decision-makers of Hubei Financial Services Society, who later approved the release of Jianhua Company's huge loan of more than 40 million yuan, did not expect that Li Yijian, the head of Jianhua Company, who was known as a master of financing, Wu Weiwei is not an idle person, they will be all the company's taxi license (including more than 100 mortgages to Hubei Financial Services Society), in SZ banks have a virtual and real mortgage (or a written statement of mortgage, or after the mortgage to return the operating card under various excuses), after obtaining the corresponding mortgage loans from various banks, and then with part of the operating license in kind plus copying other mortgaged business license numbers to form a mortgage statement document This kind of virtual and real means to obtain more than 100 million yuan from a financial trust company in GG"Mortgage". After the operation of this method of "one woman and two sons-in-law", their funds are integrated into two shares, but the so-called mortgage of one family must be false, or false.

Discerning people can already see that this kind of behavior is tantamount to financial fraud, and the amount is huge. However, when the case occurred in the future, the bank concerned always half-covered its face, sometimes reported the fraud case to the public security department for recovery, and then applied to withdraw the case and the two parties privately negotiated the repayment of the loan. Many people are puzzled and ask: "Why is this?" The answer is very simple: I don't know the true face of Lushan, only because I am in this mountain.

"Which one is Manager Xia?" asked a man standing at the door of the credit manager's room with a knock on the door.

The three managers heard the voice and looked up at the door. I saw a middle-aged man standing in the doorway with no right forearm below. Summer looked at the person and said, "I am, your surname?"

The person said: "My name is Chen Lianping, and I was introduced by Manager Ke. ”

"Come in and sit. Summer said.

Chen Lianping said: "It's hard for you to find here! I went around twice to find it." ”

"Wouldn't it?

"Really. I should say that I am a stupid person. Chen Lianping continued: "Manager Ke said that he is familiar with you and provided your address, I came to the door, don't you mind?"

Xia said: "The people who come to Shenzhen are all born and acquainted twice, and this is how we make friends. You say, "What kind of care do you want from me?"

Chen Lianping said: "You have seen it, I am disabled. The civil affairs department gave me preferential policies, and I set up a company called 'SZ Bao'an Welfare Bed Industry Co., Ltd.', which is tax-exempt. My product is a collaboration with the China Qigong Association. Each of my mattresses was opened with qigong, and the sick person slept on it for less than half a year. It's not that I'm bragging, Tsinghua University has done experiments, and HeN has traveled thousands of kilometers to city B, and city B can receive information. Therefore, the qigong master I asked gave qigong information to each mattress and pasted a barcode. Now the products are very popular to sell to Hong Kong. You see, this is my company's information and the product manual of the qigong mattress. When he finished speaking, he took out a large pile of information and distributed it to everyone.

Summer also read his profile and asked, "What specific ideas do you have for coming to us?"

Chen Lianping said: "I mainly want to borrow some money, my friend is the village director of Bao'an Industrial Village, he is willing to mortgage the property in the industrial village to me, and wants to borrow 5 million yuan." I will also make my own deposit to come in the package. This is my mortgagee's title deed, the Certificate of Consent to the Mortgage, and the Property Appraisal Report. ”

Summer took a set of his loan materials and took a preliminary look at them. Say to him: "After reading the information, I will reply to you within two days: whether you can do it, how much you can do, and how much you can deposit." Now, I have something to do to go to Mr. Zhuang, so you can sit down for a while. ”

At this moment, the landline phone rang, and after Xia answered, he knew that Zhuang Yu had asked him to go to the general manager's office.

Chen Lianping said: "Then I won't hinder you, I'll contact you another day." ”

"It's fine. After saying this, Xia went to Zhuang Yu's office.

On the sofa in Zhuang Yu's office, Wang Yu and Xia Xue, who took Zhuang Yu and Xia Xia to the Pearl Restaurant for dinner, sat upright. When Summer arrived, none of the three of them spoke, and the two guests in particular looked unhappy.

If it is because he has eaten a meal, he has to settle accounts with the person who is invited to the meal, as if he owes him a great favor, according to the temper of this man in the summer, even if he sells his belongings, he must return his innocence - he is a master who categorically refuses to be controlled by others. Over time, people outside felt that their faces were colder in the summer, and they were not invited very much, and no one blatantly asked him to do anything because he had invited him to a meal. Because, in the summer's view, eating someone else's meal is clearly a business that burdens oneself. Let's talk about the meal invited by Yufeng Jinlong Wang: because no one wants to eat, the boss lost his temper and asked Xia to eat, and then coaxed him to pick him up in a Mercedes-Benz car to go to work. You see, isn't it the same eating problem now?

Summer thought, "If it were according to my temperament, that meal would have killed me, and I wouldn't eat it." However, people are under the eaves and have to bow their heads, and they still eat for the sake of work. ”

Think about it, talk about it. Xia De entered the office and said to Wang Yu, "Mr. Wang is here?"

Wang Yu whispered reservedly, "Yes." ”

Zhuang Yu said to Xia: "Old Xia, sit down." ”

After seeing Xia sit down, Zhuang Yu continued: "Mr. Wang and Miss Xia came to talk about the loan of his big restaurant. What do you think?"

At this time, Wang Yu interjected: "The deposits of my organization are coming in, and the loan procedures are not yet for me." ”

Zhuang Yu said: "Lao Xia, you can do it, right?"

Xia said: "Li Chaoyang is in charge of Lao Xu, is it appropriate for me to approve his loan approval form?"

"I'm most afraid that you will push around like this, and Shenzhen is also the most afraid of pushing around. Wang Yu said, "A man has to dare to bear it, no, he will shoot the target!"

Zhuang Yu blushed and said to Xia: "Lao Xia, this matter will fall on your head, Li Chaoyang will write the investigation report, and you will sign the opinion in the credit manager column." ”

I can't cry or laugh in the summer.

……

In the evening, Zhuang Yu and Xia should go to the Dorsett Hotel to have dinner with Linghua. Everyone ate politely, thanked each other, and broke up.

When he broke up with Zhuang Yu in the summer, Zhuang Yu said: "You should hurry up and deal with the loan of Yufeng Jinlong Restaurant." ”

While agreeing, Xia said to Zhuang Yu: "I haven't seen their information until now. ”

"Call Li Chaoyang to you tomorrow. Zhuang Yu said.

Summer thought to herself, "Didn't Zhuang always eat that day?"

Chairman Yang Oran is an idle person, I don't know where he heard from the Hubei Financial Services Agency that the car keys and factory certificate mortgaged by the HaiN side were taken back, and the Financial Services Society was also a defendant in an unexplained manner, and felt that it was time to move again. Yang Eran leaned on the swivel chair in his house, shaking it, and thought: "I didn't have any hatred with Zhuang Yu, but the two of them just wanted to fight for power." In other words, this Zhuang Yu really gave him face, shameless, and asked him to invest, although he promised it, he just didn't implement it. Now, more than two months have passed, and you haven't given me money, it's really a fool's errand. The best way is to get 3 million investment funds and then do his tricks. But how can I get him to give me the investment money obediently?"

First of all, Chen Jiao, who is not deeply involved in the world, said that the board of directors is ready to change the management team, and test whether Chen Jiaogong dares to take over. In this way, he can arouse Chen's appetite for work, and he will inevitably wrestle with Zhuang Yu on many occasions. At the same time, he told Qin Xianhong that the board of directors was even more dissatisfied with Zhuang Yu, and it was possible to replace Zhuang Yu with him. In this way, Qin Xianhong will inevitably tell Zhuang Yu, and in addition, he will also coordinate Zhuang Yu to have a good relationship with me. At this time, hint at his investment in Xiaoshovel Island, and he is not afraid that he will not be tricked.

"It's a brilliant plan, killing three birds with one stone. Yang may say in his heart.

Then he got up from the swivel chair, took a cigarette from the table, lit the fire, went back to the swivel chair and lay down, took the cigarette into his mouth, and spit it out again, blowing out several swirling circles.

I smoked a cigarette and was refreshed. He really called Chen Jiao and Qin Xianhong respectively, causing the two of them to lose sleep because of different purposes.

In the summer, he was writing a written opinion to Yang Inscription of Jiepeng Company in the office, because he had not seen him several times. The mortgage procedures for his company's loan have not been completed, and it will not work if it is delayed.

After writing it in the summer, I immediately rode to the location of Jiepeng Company on Dongmen South Road, and I really didn't see Yang Inscription. Summer gave the letter to Kobayashi from the Finance Department and returned.

When he arrived at the office, Ou Zhongzhong told Xia: "Mr. Zhuang just handed over the office, saying that you will call him when you come back." ”

So, Xia hurriedly called Zhuang Yu: "Mr. Zhuang, you look for me." ”

Zhuang Yu said: "Yes, early in the morning, where did you go just now?"

Xia said: "It's not about the collateral of the Jiepeng company, I can't find Yang inscription recently, I wrote a letter to him, and went to it in person, and just came back." ”

Zhuang Yu said: "That's right, our shareholder, Cai Jinhui, the general manager of Caijia Company, introduced a tenant of his who came to me and wanted to borrow 300,000 yuan. Mr. Cai himself is a relatively good person, and he has never asked for a loan or anything before, so you can help him do it. ”

"Okay," said Summer, "just call him to me." ”

Ten minutes later, a middle-aged man with a sad face walked into Summer's sight.

Xia asked Ming that the person who came was introduced by Director Cai, and immediately asked Ou Zhongzhong to listen to the introduction together. This man's name is Zhang Hua, and he has set up a SZ Fuye Trading Company to produce automotive electronic probe devices, and wants to borrow 300,000 yuan, which is to be guaranteed by SZ Jianwei Company.

After listening to the report, Xia said: "This loan investigation will be handled by Xiao Ou, and after writing the report, I will deal with it after reading it." Mr. Zhang, do you think it's okay?"

Zhang Hua nodded again and again: "Okay! good!"

When Zhang Hua left the office, Xia left Ou Zhongzhong behind and said to him: "This is a loan assigned by the shareholder, and it is to be done for him, you just need to know where he works, and by the way, you also need to know where the guarantee unit is." ”

Ou Zhongzhong already knew it when he heard it.

On the way to the loan investigation, Zhang Hua saw that Ou Zhongzhong was the only one, so he asked him: "Xiao Ou, do you have anything you want me to help with?"

Ou Zhongzhong is an honest man, and he sneered for a while: "No... No. After a while, he said: "I have a younger brother who came to SZ to look for a job, and Mr. Zhang has a wider relationship than me, so I don't know if he can help me." ”

Zhang Hua said: "It's a trivial matter, I forgot to tell you, I also have a talent market, and this matter is on me." ”

"Thank you then. Ou Zhongzhong said.

……

The next morning, SZ Fukuno Trading Co., Ltd. applied for a loan of 300,000 yuan to the company's account.