In the morning, on the way to work in the summer, the science and technology machine rang non-stop. Pen, fun, pavilion www. biquge。 info He rushed to Hubei Financial Services Co., Ltd. and saw that one of them was Yu Zongke of the overseas Chinese company, so he first replied to Yu Liyan's phone. Yu Liyan said on the phone: "Mr. Yang of Jiepeng Company you introduced is here, and the conversation is very good, but the interest rate difference is still not delivered." It's been four days since the deposit was transferred to a fixed deposit, and it must be done well tomorrow. ”

Summer said: "I will coordinate with Mr. Yang again and strive to satisfy everyone." ”

As soon as he put down the phone, Ye Lao, the top boss of the three credit managers, came out of the next office and said to Xia, "Manager Xia, come to my office." ”

Summer came to Ye Lao's office, Ye Lao closed the door, asked Summer to sit down, and said, "I want to ask you a question." ”

Summer didn't know what to do, and hurriedly said: "If you always have any orders, just say it, don't dare to ask for advice." ”

"Really!" said Ye sincerely, "I used to do banking for a while, but that was decades ago. I can't understand the current business, I want to ask you: like the loan of Anyan Auto City, it is said that it is a deposit certificate, a car, and a land mortgage, what procedures do you have to go through, is it just to take that thing to us?"

Xia explained: "These mortgage and guarantee businesses are currently the hottest in places like Shenzhen, where there is a lot of mobility and variability. It turns out that in our hometown, those enterprises are not easy to close when you look at them every day, so there are few mortgages and guarantees. I was also consulting my old subordinates who worked at the Bank of Shenzhen, and they told me that the mortgage of a deposit certificate requires the depositor's endorsement of the words 'consent to the mortgage', and if it is deposited with us, then it is fine, and if it is a deposit certificate from another bank, it must be filed with them; a car is a commodity, and I am not sure whether the 'three certificates' and car keys are counted as a mortgage; and the land mortgage must be certified and registered by the notary department and the land bureau, and the premise is that there must be a real estate certificate. ”

Ye Lao asked: "Doesn't it count if you have the red line map of the land in your hand?"

"I asked the comrades at ICBC, and they said no. Summer replied.

Ye Lao said, "Thank you, help me." ”

When he left Ye Lao's office in the summer, he was blocked by Lin Yun from the sales department as soon as he went out, Lin Yun said: "Manager Xia, the deposit slip is still not found, you can tell the depositor and go through the loss reporting procedures!"

Xia said: "If you really can't find it, you must first report to Mr. Zhuang, and then, report the loss first, and ask the customer to go through the procedures." If you don't want your boss to know, how can you handle things well?"

After Xia finished speaking, he broke up with Lin Yun.

At this time, a thought suddenly flashed in Lin Yun's mind: "Why don't I bring in the summer and go to Mr. Zhuang's place, and say that the 3 million yuan fixed deposit certificate is taken away in the summer?"

Thinking of this, she boldly walked towards Zhuang Yu's office.

……

After breaking up with Lin Yun in the summer, he immediately rode a bicycle to Jiepeng Company to talk to General Manager Yang Mingwen about the interest rate difference between deposits and loans linked to pay Yu Liyan's 3 million yuan deposit.

In less than half an hour, Zhuang Yu left a message on the summer science plane: "If you have an emergency, go back to the financial service agency quickly." So, Xia said goodbye to Yang Mingwen, hurried back to Hubei Financial Services Agency, and went directly to Zhuang Yu's office.

In Zhuang Yu's office, Qin Xianhong, Chen Shiqing, Wang Kangkang, and Zhang Jingjing sat down. Zhuang Yu saw that the summer came in, and he no longer had the enthusiasm he used to have, and his face was slightly red because of excitement.

After a while, Zhuang Yu broke the silence and said to Xia, "What happened to the loss of the 3 million deposit receipts?"

Xia said: "I asked Lin Yun of the sales department to report to you." What did she say?"

Zhuang Yu is also a person who has no scheming, and when he heard Xia's question, he blurted out: "Lin Yun said, it is very likely that you took the deposit receipt." ”

Xia said: "If Lin Yun really said that, it means that she is a naughty woman and a dishonest employee." First of all, you don't need to worry, the 3 million yuan will not be gone. This certificate of deposit is 3 million yuan of real money for Sha Tau Kok Company, but it is a piece of paper for other holders. Second, since it's a piece of paper, what do I want this paper for? Do I use it to wipe my butt? It seems too hard to use it to wipe my butt! Therefore, the reason for suspecting that I took this deposit slip is not valid. Third, for banks, deposit receipts, whether written or blank, are important documents, and as an employee of the sales department, they must not be careless, and losing them is an important work error. So, when we were going to Zhongshan that afternoon, Lin Yun told me that the deposit slip was lost, and she asked me not to tell Mr. Zhuang for the time being, she had to look for it, and I understood. This morning, she asked me to talk to the depositor about the loss reporting procedures. I asked her to report to Mr. Zhuang, which is to show that this matter is serious, and I will not do what she tells me to do. Everyone, do I have a point?"

After listening to Xia's words, the people present have dispelled their suspicions that Xia took the deposit certificate to commit the crime.

Later, Qin Xianhong asked Summer: "What do you think is going to do with this?"

Summer said, "It's not hard for me to see. First, we must distinguish between right and wrong. How did the sales department lose the deposit slip, and will it happen in the future? Second, the customer's account page and computer should first go through the internal loss reporting procedures, and anyone who wants to withdraw it in advance is the culprit and must be handed over to the public security department for handling. Third, the sales department immediately contacted the customer, obtained understanding, and went through the formal loss reporting procedures. However, the problem now is that this deposit is a linked deposit to the loan of Jiepeng Company introduced by Chairman Yang, and the interest rate difference has not yet been paid. It's embarrassing for us to do that. ”

After listening to Xia's speech, Zhuang Yu asked Zhang Jingjing, the director of the sales department: "Old Zhang, do you see?"

Zhang Jingjing said politely: "Summer is reasonable, I think it's okay." ”

Zhuang Yu breathed a sigh of relief and said with emotion: "Today's young people are really making people sleep badly. ”

In the afternoon, Wu Dongmei from the sales department came to Xia Xia and said, "Miss Gao of Korea Investment Co., Ltd. kept coming to me and told me that the deposit could come in. It annoys me so much, I want to ask Manager Xia to come to her company to have a look. ”

Xia knew that Wu Dongmei would definitely be the main backbone of the sales department in the future, so he said: "You ask them: I will go to her company tomorrow morning and ask her if she has time? ”

Wu Dongmei listened to Summer's words, like a reassuring pill, and went to the sales department to do her business.

At this time, I could only hear Zhu Chi'er's voice in the aisle: "I don't believe it, so many car documents are placed in your safe, and they are not mortgaged!"

As soon as the words fell, Ye Lao and Zhu Chi'er rushed by, and Xu Donghai, who followed behind, turned around and came to the office.

Summer asked, "Old Xu, what's wrong?"

Xu Donghai said a little angrily: "Lao Ye is too, saying that the loan of Anyan Automobile City Co., Ltd. is not a mortgage, and Mr. Zhuang wants to increase the loan by 30 million, but he refuses to sign." Mr. Zhuang and Mr. Zhu were angry. In fact, the three certificates of the car are all kept by us, and no one else can take them. ”

Summer estimated that Ye Lao was affected by his speech in the morning, and he was worried about his future responsibilities and refused to sign. In Summer's opinion, Ye Lao was right in this matter. Then he asked, "How many loans has Anyan Company made?"

Xu Donghai said: "There are loans and repayments, and now I maintain a balance of 60 million yuan, and I want to increase 30 million yuan this time." ”

Summer was also surprised when he heard this: in this way, a customer's loan accounts for five times the equity capital, not to mention the loan risk, even the liquidity risk is also predictable. said to Xu Donghai: "It's a bit scary for a customer to borrow so much. ”

Xu Donghai said disapprerovingly: "There is something to bet on us! You see, this Anyan Automobile City Company and Bao'an Anwei Village have been playing mud without washing their hands before our financial service agency was established, and there is no distinction between you and me!"

After Xu Donghai finished speaking, he handed a document called "Mortgage Guarantee Contract" to Summer's desk in order to corroborate what he said, and Summer immediately glanced at the two pages of the document, and the text said:

Mortgage guarantee contract

Party A: SZ Baoan Anwei Economic Development Company

Party B: SZ Anyan Automobile City Co., Ltd

After careful negotiation, Party A and Party B have reached the following contract terms:

1. Due to the huge amount of funds invested by Party B in the development and construction of SZ Anyan Automobile City, in addition to Party B's own financial capacity, Party B still needs to introduce the rest of the funds in a variety of financing methods. As Party A, according to the second paragraph of Article 7 of the contract signed by both parties (1993) No. A381, "for the needs of the Automobile City, if necessary, the land of the Automobile City can be mortgaged to guarantee the financing funds, plus A, Party B agrees to mortgage the 30 industrial plants owned by Party B as collateral for financing funds or physical purposes, and at the same time deliver the real estate certificates of the above 30 factories to Party B (see attachment: omitted).

2. Party B's use of the above-mentioned real estate of Party A as collateral is of a paid nature, that is, Party B pays Party A the guarantee fee at 5% of the actual amount of external mortgage financing or physical goods, and the settlement time of the guarantee fee is based on the time of each time the funds or physical goods are in place.

3. Party B's use of the funds or in-kind financed by Party A's real estate must be used exclusively for the development and construction of the automobile city, and the funds must be used for special purposes.

4. In order to offset the guarantee risk of Party A, Party B mortgaged the land of its automobile city and the ground buildings, production lines and equipment that started construction in 94 to Party A. Because the land certificate of the automobile city is handled by Party A, the initiative of the anti-mortgage is still in Party A.

5. This contract shall be in quadruplicate, and if there are any unfinished matters, the two parties shall negotiate and settle them.

Party A: SZ Baoan Anwei Economic Development Company (official seal)

Legal representative: Liu Forest (signed)

Party B: SZ Anyan Automobile City Co., Ltd. (official seal)

Legal representative: Zhu Chier (signed)

22 January 1994

This contract shows that it had signed an effective contract long before it, and the subject was the cooperation between Party A and Party B in the development of the automobile city. Obviously, this "Mortgage Guarantee Contract" was not aimed at Hubei Financial Services Co., Ltd., because when they signed the contract, the Co., Ltd. had not yet been established. Another problem is that the Kishio Company dares to use its own factory building as collateral to lend money to the Anyan Automobile City Company; first, there are still things in its own hands -- the land use certificate provided by the village for the Automobile City has not yet been issued; and second, the purpose of the mortgage is to generate income for the village and develop the village's cooperative enterprises as soon as possible. Therefore, in every sense of the word, it is voluntary. Moreover, the beginning of the cooperation between Party A and Party B can be traced back to around 1993. From these points, if someone says in the future that the Kishio Company was deceived and mortgaged the real estate in the village to the Hubei Financial Services Society for a loan, it is unreasonable.

Back at that time, after reading the contract documents in the summer, he returned the contract to Xu Donghai with a smile on his face, and said: "It seems that it is difficult for us to figure out this matter." He knew that Xu Donghai was also in favor of giving large loans, so he stopped talking.