"My question is about the guarantee enterprise Tianyu Breeding Society, which buys raw chickens at a higher price than the market price, and then sells them at a reduced price, according to this model, these dozen farmers will lose 30-500,000 yuan in a batch of chickens, which is obviously unreasonable. Zhang Feifei, can you answer that?"

Li Qingquan said, "Wang Chong, you are not a member of the loan review committee, the business has already been at the meeting, and you have no right to ask questions." ”

Wang Chong said, "But I am the leader in charge of this business, and I am responsible for this loan!"

Zhang Feifei hesitated, "Maybe this breeding society has other income, right?"

Wang Chong stood up, "Maybe, we can't use the words maybe, maybe when we do credit business." ”

Zhang Feifei said that I will call to implement it immediately, and walked out of the conference room, took out the phone and was about to call Luo Dacheng, Li Qingquan also secretly followed and walked out, stopping Zhang Feifei, "What are you going to do?"

"I'll call and ask Mr. Luo. ”

Li Qingquan smiled, "I know this enterprise better, these dozen or so breeding cooperatives sell each batch of chicken at a price of between 15 million and 20 million, and the breeding cooperatives will generally accumulate a backlog of money, and then use this money to invest, which is their profit point." ”

Zhang Feifei was surprised, "Then aren't they participating in private lending, which is expressly prohibited in the general rules of credit." If the loans they put out are at risk, won't these farmers lose all their money?"

Li Qingquan shook his head, "The Heavenly Poultry Breeding Cooperative is only a guarantee enterprise, and the borrower is a farmer, and it has not violated the general rules of credit." However, this is also a problem. Therefore, after a while, when you go in to answer the question, you will say that the district government has a financial subsidy of 0.2 yuan per catty for the sky poultry breeding cooperatives, and they use a large amount of feed, and the feed per catty is one dime lower than the market price. ”

Zhang Feifei said loudly, "Isn't this perjury?"

Li Qingquan: "Be quiet! How can this be considered perjury, you just made some necessary packaging for this business." ”

Zhang Feifei firmly refused, "I don't do it." ”

Li Qingquan sneered, "I'm afraid I can't help you, if you really don't do it, don't accept a box of Moutai from someone when you drank yesterday, more than 10,000 yuan! Do you know what this means? If someone reports a case and accepts a bribe of more than 5,000 yuan, he will be sentenced to fixed-term imprisonment of less than three years." ”

Zhang Feifei suddenly felt that the world was spinning, and he felt an invisible hand tighten his throat, making him speechless, and he gasped for breath.

Li Qingquan pressed step by step, "We pay attention to due diligence and exemption from liability in business, if there is a real problem, at most it will be a poor investigation, and a maximum fine of 1,000 yuan will be imposed." How to weigh it, you can grasp it yourself. ”

Zhang Feifei said, "I can return the wine to Mr. Luo." ”

"Don't be naïve, they are businessmen, they are very cunning, since they gave you something, they must have left evidence. ”

Zhang Feifei suddenly remembered that in the middle of drinking yesterday, someone said that he was holding an event to send wine, and he needed to take pictures for records, and that person also recorded a video. Needless to say, this must have been arranged by Luo Dacheng, so the other party will definitely leave an image of the matter of sending Moutai.

Zhang Feifei's whole body was cold, and he couldn't speak for a long time.

"What should I do?"

Li Qingquan patted him on the shoulder, "Just say what I taught you just now, if something goes wrong, I and President Gu will give you the top! When the loan is approved, Mr. Luo will still have some expressions, you can rest assured, this kind of money-making thing will have a chance in the future, everyone will cooperate well and make a fortune together!"

"Do you want to tell Director Wang about this?"

"He's a fool, and you're stupid too? Of course, the fewer people who know, the better. ”

Zhang Feifei calmed down his mood and returned to the conference room in a trance, "I just talked to Mr. Luo on the phone, and the Agricultural Bureau has a batch of subsidies for broiler chickens in the breeding society every year, and the standard is 0.2 yuan per catty. Moreover, the feed purchase of the breeding society is large, and the feed mill is a dime cheaper per catty than the market. ”

Wang Chong said, "I suggest that this loan be renewed, and at the same time supplement the financial subsidy documents and the original contract of the Sky Poultry Breeding Society." ”

The director of the loan review committee said, "We will consider your opinion." ”

At the end of the meeting, Wang Chong asked Zhang Feifei, "Why is such an important information not reflected?"

Zhang Feifei felt ashamed, "I don't have enough experience, so I ask the master for more guidance." ”

An hour later, the loan review committee resolved to grant 19 million yuan of credit to 16 farmers under the Sky Poultry Breeding Society, with the loan interest not less than 100% on the basis of the benchmark interest rate and the margin amount not less than 10%. Gu Tiande also signed the credit resolution and agreed.

"I don't agree!" Wang Chong said loudly in Gu Tiande's office, "There is a problem with this loan, I suggest that we make a decision after supplementary investigation!"

Gu Tiande frowned, "Wang Chong, the agricultural exhibition will be held next Monday, and I will attend the opening ceremony, this loan was guaranteed by me in front of the director of the Agricultural Bureau, are you trying to put me in injustice? Moreover, this loan has been deliberated by five experts of the loan review committee, and it was unanimously approved, what questions do you have?"

Wang Chong said, "Then we have to wait for the supplementary materials to be ready." ”

Gu Tiande pointed to the quartz clock on the wall, "It's half past four, tomorrow weekend, the Agricultural Bureau will not work, tomorrow and the day after tomorrow, the loan will be released first, and the information will be supplemented on Monday." ”

Wang Chong insisted on his opinion and shook his head.

"If you want to call and ask for documents, you can ask for them yourself. ”

Wang Chong: "You give me the phone number of Director Tian." ”

Gu Tiande said coldly, "You can find it yourself." ”

"Then follow the general rules of the loan, and I will never sign it if I don't see the supplementary materials. ”

Gu Tiande was furious, "Wang Chong, our bank credit is the president's responsibility system, I am telling you clearly, the business of the Heavenly Poultry Breeding Society, I said that it will be passed, and I will be responsible for the problem!"

"Just remember that!"

"Get out!"

Wang rushed out.

It didn't take long for Zhang Feifei to come to Wang Chong to sign the loan contract, Wang Chong had calmed down at this time, and said, "You can ask President Gu to sign." Zhang Feifei said in a low voice, "Master, this loan is my imperfect information, and it is not good for me to let you be scolded in front of the president." President Gu, he just talked to me and asked me to work overtime tomorrow and the next two days, and be sure to release the loan before the agricultural fair on Monday, you have helped. ”

Wang Chong said, "Are you sure you can get the supplementary materials before Monday?"

Zhang Feifei said that I had already called Mr. Luo, and they had contacted the Agricultural Bureau and the feed factory, and they would send it over on Monday morning.

"Is there a problem with the farmers, right? All the customers have been to the site?"

Zhang Feifei lied, "I've been there." ”

Wang Chong hesitated for a moment, but still signed his name on the loan application, "I'm going to go to the countryside tomorrow and the day after tomorrow, and I'm going to work hard for you." ”

Zhang Feifei squeezed out a smile, "It should be." ”

Early the next morning, according to the agreement, Wang Chong came to Ma Xiaoxiao's downstairs, and waited until nearly eight o'clock, Ma Xiaoxiao went out with a big suitcase.

"Isn't it just a day, you're going on vacation?"

Ma Xiaoxiao smiled, "What do you know, we do an interview, we need to prepare a lot of things, and we have to put on makeup when we get to the place, so how can I highlight my beauty when the time comes?" Wang Chong scratched his head, "Since it's an interview, shouldn't it highlight the other party?"

Ma Xiaoxiao said that Wang Chong didn't understand the taste, and pouted, "Why don't you come to help?"

The interview was conducted in Jinniu Village, Pujiang County, which is a demonstration village for the city's new rural construction. Five years ago, Jinniu Village was a poor village, relying on government subsidies to get by. As the Shinkansen project passed through this village, the village obtained the first pot of gold through the sale of land, taking this opportunity, Jinniu Village repaired bridges and paved roads, engaged in ecological breeding, farmhouses, etc., and became a more famous leisure tourist attraction in Donghua City, in the past five years, the per capita disposable income jumped from less than 6,000 yuan to 30,000 yuan. Recently, Jinniu Village was applying for a provincial-level new rural construction demonstration town, and in order to cooperate with them, the city sent Donghua Daily and other media to interview and create some momentum from public opinion.

They were accompanied by a photographer, Wang Chong, who was already waiting in Jinniu Village when they arrived.

Under Ma Xiaoxiao's strong request, Wang Chong became Ma Xiaoxiao's follower and assistant, "Wang Chong is thirsty, Wang Chong wants to eat potato chips, Wang Chong wants to make up ......" came down in the morning, and Wang Chong tossed Wang Chong a lot, but in this way Wang Chong also had the opportunity to be a reporter.

The interview went very smoothly, and the village secretary Sun Baoguo spoke energetically about his experience of leading Jinniu Village to make a fortune, and also took a lot of photos. By lunchtime, the interview was almost complete, and in the afternoon it was only necessary to go to a few more places to take some photos.

The luncheon was arranged at a farmhouse, and when he heard that Wang Chong worked at Donghua Bank, Sun Baoguo asked, "President Wang, the villagers have become rich recently, and everyone has some spare money in their hands. ”

Wang Chong said, "Our bank has just launched a Donghua Quick Profit Wealth Management recently, with a minimum deposit of 50,000 yuan and an annualized interest rate of about 4.9% for 190 days. If you need it, I can arrange for someone to give you a financial seminar. ”

"Sneer......" Sun Baoguo smiled, "It's only 4.9%, the interest rate of your bank is too low, no wonder it's so difficult to do now, the money in our village is put in the wealth company in the county, and the annual interest rate is more than 15%, for example, I borrowed 300,000 yuan from the bank not long ago, and the interest is only 8%, and there is more than 20,000 interest income a year when I enter and exit." ”

Wang Chong was shocked, "Secretary Sun, I'm afraid it's a financial trap." ”

Sun Baoguo asked, "What financial trap?"

Wang Chong explained, "Think about it, in so many industries, you work hard, how much can you have an annual profit of more than 15 percent? Why don't you have to do anything, give them money, and there will be a 15 percent rate of return? I'm afraid that you are worried about other people's interest, and people are worried about your principal!"

Sun Baoguo was unhappy, "I don't like to hear this, people invest in big projects with government background, and some are approved by the State Council, I have received more than 50,000 dividends in the past two years, your bank knows that it is alarmist, fooling everyone to go to your place to deposit some low-interest deposits." ”

Wang Chong saw that he was stubborn and couldn't listen to persuasion, so he didn't say much.