On July 20, 1995, Hubei Financial Services Co., Ltd. was holding a department manager meeting in Zhuang Yu's office, and Chen Shanwei, the general manager of SZ 38 Co., Ltd., came to Zhuang Yu's office as an appointment, and the participants interrupted the meeting on the spot and immediately signed a medium and long-term loan contract with him. Pen, fun, pavilion www. biquge。 The info contract stipulates that SZ 38 Co., Ltd. guarantees to maintain a long-term deposit of 60 million yuan, and Hubei Financial Services Co., Ltd. should gradually borrow 40 million yuan in installments.

After signing the contract, Chen Shanwei said: "This afternoon, I will remit 10 million yuan from ZH, and you should prepare the loan procedures." ”

Zhuang Yu said: "We cooperate with each other. ”

In the process of signing this financing contract, the three CEOs of Hubei Financial Services Co., Ltd., Zhuang Yu, Chen Jiaojiao, and Qin Xianhong, behaved completely consistently.

In the eyes of others, Zhuang Yu is very keen to achieve the realization of the financing agreement, which should be logical, he treats SZ 38 Co., Ltd. and Chen Shanwei, who can bring large deposits, as his last straw, and Qin Xianhong echoes Zhuang Yu is also reasonable. However, Chen Jiao, who has always been at odds with Zhuang Yu, and even does not hesitate to restrain him in business, is also abnormal, singing in unison, but why?

It turned out that in the view of Chen Jiao, who was quite deep in the city government, first, it was the current time for the personnel evaluation of the superiors, and it was not possible to make any extraneous branches; second, it was judged that Zhuang Yutie was determined to step down, and it was very likely that he would replace him. If this is the case, the funds that Zhuang Yu has financed are tantamount to doing himself a big favor, so why not do it?

However, it is such a speculative mentality that once something goes wrong because of this business, he will definitely be cleared cleaner than anyone else, for fear of losing his black yarn hat and breaking it three times.

If the judge doesn't believe me, look down.

On the morning of the next day, the 10 million yuan fixed deposit from Zhuhai deposited by SZ 38 Co., Ltd. was finally handled by Mr. Song, the representative of the depositor, and converted into a one-year time deposit.

As soon as Mr. Song left, Chen Shanwei came to the second credit department and asked for a loan of 6 million yuan immediately in the summer.

Summer felt that there was a gap with the original agreement, so she took him to meet Chen Assignment.

After Chen Homework understood Chen Shanwei's thoughts, he said to Chen Shanwei: "Your original statement is that SH has a large amount of money coming. SH funds are confirmed, and we go through the loan procedures while bringing in funds. Instead of saying that if you enter a 10 million, you will take out a loan of 6 million. SH: How's it going?"

Chen Shanwei made a phone call in front of the two of them, as if asking about the implementation of SH funds, but the other party did not answer.

Chen Shanwei saw that there was no hope of increasing the loan immediately, so he asked the service agency to prepay the interest rate difference of the deposit, and settle and pay off the loan together after the loan was made in the future.

So, the three of them came to Zhuang Yu's office to continue discussing.

Zhuang Yu and Chen felt that his request was acceptable, so they lent 500,000 yuan to the current account of the financial service agency as the interest rate difference of the deposit, which will be repaid when the loan is issued in the future. The 500,000 yuan spread loan was personally taken to the sales department by Chen Jiao, who was in charge of the sales department, and the money was directly transferred to the account of SZ 38 Co., Ltd.

Unexpectedly, the next day, Wu Dongmei from the sales department came to Zhuang Yu's office with the summons that had been issued, and said to Zhuang Yu: "Mr. Zhuang, the summons that Mr. Chen brought yesterday has your instructions out of the account, and it is best to make up a manager." ”

Zhuang Yu asked, "Didn't Chen homework sign?"

Wu Dongmei handed the summons to Zhuang Yu and said, "No." ”

After reading the summons, Zhuang Yu said casually: "Slippery head." Then he said, "I'll ask Manager Xia to make up for it." After saying that, I called Summer and called him to the office.

After coming to the boss's office in the summer, Zhuang Yu explained the reason to him. Xia read the summons and saw that Zhuang Yu had signed and approved the opinion, and it was difficult for him to refuse as a subordinate, so he wrote below Zhuang Yu's instructions: "The situation is true, and Summer proves it." "The date of signing is the same day, so that what was written in the summer is one day later than Zhuang Yu's instructions.

Zhuang Yu and Wu Dongmei didn't mind this date, and they could be regarded as perfecting the procedures.

Later, since the loan of SZ 38 Co., Ltd. was not completed, this interest rate differential loan for the purpose of helping Hubei Financial Services Society organize large deposits naturally became a "long-term loan to Jingzhou" and was hung on the current account of the Hubei branch of the Citizens Bank for a long time.

A few years later, when Chen Jiaojiao, Wu Dongmei, and Xia were still the parties in the Hubei Branch, Chen Jiaojiao was silent about it, and he didn't know much about it, and let Xia explain to Wang Xianyao and the relevant departments of the head office, as if he had nothing to do with himself. Later, when the manager and Chen Jiao were the only insiders who knew about the matter, he pushed 625 and pushed the responsibility to Xia Xia and Zhuang Yu. Later, when he was investigating the case by the political and legal organs, if he pointed out, he pushed the old loan of SZ 38 Co., Ltd. and the 500,000 yuan spread loan to the summer. It caused the Shenzhen political and legal organs to toss and turn several times, and finally saw the clues left on the signature of the summons in the summer, and did not combine the cases.

People should be able to understand from the experience of handling the signing in the summer that it is not easy to become a subordinate of others in a sensitive position of power -- this is a story for later.

Back then: two days after lending the interest rate difference to 38 Company. Wang Hua, a personnel cadre, came to the office of the Second Credit Department and said to Xia: "Manager Xia, the Personnel Department of the Citizen Bank has informed that all party members will be transferred to the Citizen Bank before August 3, and a party committee may be established. ”

Summer said, "Okay. ”

At this time, the phone rang: "Lao Xia, come to my office." "It was Chen Zuo who called.

Summer said on the phone, "Okay. ”

Summer took the notebook and walked to Chen's homework office on the first floor. He thought as he walked: "This Mr. Chen seems to have changed a different person recently, and he has begun to regard Hubei Financial Services as his home, and he naturally maintains himself together in every business." If that had been the case, it would have been great!"

Thinking about it, he had already arrived at Chen's office, and Xia opened the door of his office and said, "Mr. Chen." ”

Chen homework said, "Manager Xia, come in and sit." Let me introduce that this is the partner of SZ 38 Co., Ltd., and we are the general manager of the building together. Then he said to Mr. Sun: "This is our credit manager summer." ”

Summer glanced at Mr. Sun and said, "Mr. Sun is good!"

Mr. Sun glanced at Xia Summer, and said, "Okay." ”

Chen said: "Mr. Sun came this time because he was worried that the loan contract signed by SZ 38 Co., Ltd. and us was not true, so I called you to come and the three of us confirmed it together." ”

Xia said: "The signing of a medium- and long-term contract is real, and it was signed at the meeting, which Mr. Chen and I can prove." ”

Mr. Sun said: "In this way, I am relieved." In fact, we have a lot of opportunities for cooperation in the future. ”

After a while, the person called "Mr. Sun" left Hubei Financial Services Agency.

In fact, this person who is more than half a hundred years old and calls himself "Mr. Sun" is Shen Gongbo, the legal representative of Nanshan Wuda Co., Ltd., the mortgagee of SZ 38 Joint Stock Company's loan. Shen "Sun" homonym, at this time, he does not show his true face, in order to be able to advance and retreat freely in the future:" If Chen Shanwei has raised 60 million yuan in Hubei Financial Services Co., Ltd. and becomes an out-and-out housing construction partner, then all the company's Shenfang Dizi No. N101234X real estate will be mortgaged to Hubei Financial Services Co., Ltd. by 38 Company; if Chen Shanwei has no way to get a full loan, then I'm sorry, I don't care how many loans Chen Shanwei has mortgaged with this real estate certificate, I will take back the real estate certificate, and cancel the qualification of SZ 38 Co., Ltd. as a building partner. In this regard, I have reserved a way out, and I am not afraid that the real estate certificate will not be recovered, and the big deal is that the report is lost, and the statement is invalid. ”

Shen Gongbo is setting up a bureau to let SZ 38 Co., Ltd. and Hubei Financial Services Co., Ltd. drill in. It will take time to find out who will kill the deer.

At eleven o'clock in the evening, Chen Shanwei used his mobile phone to write about the summer, and said to the summer: "The partners of the 38 Building held a meeting, and everyone criticized me for not being realistic, and I couldn't get a loan when the deposit came in, and asked for a loan of at least 4 million yuan." ”

Xia said: "Mr. Chen, you make it difficult for everyone to do this. My view is very clear: both parties sign a contract, and if you want to do it, you can do it happily, and it doesn't matter if you don't do it. ”

Chen Shanwei said: "I'll talk to them again." ”

The next day, four more people from SZ 38 Co., Ltd. and other relevant parties came, one of whom was one of the original accountants of SZ 38 Co., Ltd. They went directly to the second credit department and said to Summer: "Our company wants to know the authenticity of the loan contract with your financial service agency. ”

Summer felt strange when she heard this, and said, "Yesterday you also had people to understand this problem, and today too, what is going on in your company?"

The people who came seemed to be talking about it, and they didn't think it was interesting, and there was a man who hadn't wiped the sweat off his head yet, so he felt that he couldn't stay anymore and left.

After they left, Summer became suspicious in the office.

The words are divided into two ends: now let's talk about what the other protagonist, the third part of the credit department, must be busy with.

During the visit of the Citizens Bank to the Hubei Financial Services Society, Bu must have concentrated on making loans to SZ Eagle Industry and Trade Co., Ltd. and SZ Shekou Sea and Land Transportation Trading Co., Ltd., in addition to coping with some meetings.

In other words, neither of the above companies can be taken lightly.

SZ Eagle Industry and Trade Co., Ltd. is a company with a background, he is a company registered in SZ by a national ministry, and the company's legal representative Li Yihua is an expert who enjoys the allowance of the State Council. After the establishment of this company, its competent department spent more than 680,000 yuan to buy a villa in Yijing Garden on Huangbei Road for it as its office space, and it has not been found to have done any business for several years. It has been said that it is a consulting firm that collects international electronic information.

At the beginning of last month, Wang Feng, the CEO of ZH Course, whom Li Yihua had met in the course of collecting information, came to the door and asked to borrow his company for a loan from SZ. And told him: "Don't be afraid, I got a deposit slip mortgage, in case I don't pay it back or can't pay it back, the bank just pays the money on the deposit slip to repay the loan." ”

It's a pity that this Li Yihua is a top expert professionally, but what he lacks a little is the ability to deal with liars. Since then, he has often made appearances, frequently going in and out of Hubei Financial Services Co., Ltd., and taking out loans for friends. However, the loan that Wang Feng asked for was not a small amount, it was 30 million yuan. Perhaps in the minds of scientists, 30 million and 30,000 yuan are the same thing, that is, numbers.

"Just help, what's the big deal?" Li Yihua said in his heart.

Official: The small one has to add: Of course, Wang Feng, the CEO of ZH Co., Ltd., was not born a liar. In his early years, he worked in the public security and national security systems for many years, and even went abroad to carry out missions. It was under the influence of the bright and prosperous environment abroad that he could not bear the loneliness, and at the beginning of the reform and opening up, he resigned and went to sea. After he went to the sea, the old relationship was still there, no, he came to SZ to find a unit in SZ, and with a three-inch tongue that was not rotten for a night, he got a deposit of 40 million yuan, ready to deposit it in Hubei Financial Services Society, as a deposit for him to make a loan.

And Bu must be busy with another company, Shi Yunli, the legal representative of SZ Shekou Sea and Land Transport Trading Company, who lives in Shekou Huaguo Mountain. The reader already knows him, but he has a different humility when dealing with Bu must than when he met Xia, and he kept hinting to Bu that he has a background in the army, saying that his old father is a high-ranking official of the Military Commission, how good his relationship is with the head of the GZ Military Region, and the military vehicle transport license plate is also taken care of by the Military Region, Yunyun. As he spoke, he even told Bu that his "old man is the vice chairman of the Military Commission."

Shi Yunli likes to wear a military uniform on weekdays, because he is handsome, and after wearing a military uniform, no one doubts that he is not a soldier. Usually, he drives a right-facing Mercedes-Benz 600 sedan, and the car is equipped with police activity warning lights and loudspeakers. These things came in handy whenever he came out of Shekou and ran into a traffic jam on Shennan Road. He'd use a siren to shout for a while, and then he would use a loudspeaker to say, "Get out of the way, get out of the way, get out of the way!"

The other vehicles didn't know what was going on, and they usually let him pass.

After tossing and turning like this for three years, I heard that the Public Security Bureau came to the door and said that the Mercedes-Benz was a stolen vehicle in Hong Kong, and soon confiscated his car. As for when the military uniform he liked to wear was taken off, no one seemed to remember the date clearly. Of course, these are not things that happen when you take out loans, and they are a story for later.

Bu must have thought that he had found a close friend, and he was busy making loans for Shi Yunli, but he would never have thought that in the future, like another owner who lived in another Huaguo Mountain, Sun Monkey, it was also this gentleman who turned him upside down