In the following week, Wang Chong began to sort out the business of the entire second department, and he found that the people in this group, except for Zhang Feifei and Li Qiaowei, were not in the business, and the post-loan management was extremely chaotic, and the post-loan inspection was almost all coped with, so throughout the week, he took Zhang Feifei to classify the loans in his hands, and selected three to five customers every day for on-site investigation.

After a week, he found that there were a number of seemingly unrelated businesses in the small and micro business of the second section of the Chengdong Branch, and after the loan funds were entrusted to pay, they were eventually transferred to the same personal account named Pang Xiao.

Wang Chong roughly estimated that there were about twenty transactions, with an amount of about 20 million, of which Zhou Yuntao's loan was also among them.

Wang Chong collected 100 files for inspection on the grounds of inspecting the files, and this investigation found that many of the loan application materials were false materials.

Although these loans are normal and the repayments are made on time, Wang Chong can see at a glance that there are problems with these businesses, and the problems are very large, and the preliminary judgment is that it is very likely that someone used false information to lend out the bank's money at low interest costs, and then transferred it to a private lending company to release water outside (note: usury).

Check the loan information, these businesses are all done by a person named Li Yang, and the approvers are Li Qingquan and Gu Tiande, and now that Li Yang has left, these business managers are all attributed to Zhang Feifei's head.

Wang Chong put these materials in front of Zhang Feifei's eyes, and Zhang Feifei's face changed.

Director Li said that I just came, and I didn't have much business under my hands, and the assessment pressure was great, so I assigned this batch of housekeepers to me. I was also thinking that as long as I did another 10 million or 20 million new business, I could be promoted to a third-level account manager. It seems that Li Qingquan is not well-intentioned. ”

Wang Chong analyzed, "There is no problem with these loans in name, but it is always a hidden danger to keep them, I suggest that you first go to Li Yang, who has resigned, to see what is going on." ”

Zhang Feifei was a little worried, although the loan was not made by him, if there was a real problem, it was very likely to add a disgraceful sum to his resume, he said angrily: "I will talk to these customers and recover the loan in advance." ”

Wang Chongxin said that he was still too young, and if he really poked out these contradictions, it was very likely that he would explode after the expiration date, and he would be the one who was anxious at that time. So he persuaded, "There's no hurry, they don't know that we have found a problem, and we still have room for maneuver." ”

Zhang Feifei said hurriedly, "Are we just ignoring it?"

"Of course not, Zhou Yuntao still owes us 110,000 yuan in penalty interest, we can use him as a breakthrough first to further understand the situation. ”

Wang Chong did not tell him that he advocated investigating Zhou Yuntao's loan, and another purpose was to find out who instigated Zhou Yuntao not to repay the loan, and later helped him erase the overdue information on the credit record, and his intuition told him that there was some vague connection between Zhou Yuntao's overdue and Sheng Hongfei's anonymous text messages. As long as you look into this, you can find the person who sent the anonymous text message, and then find the mastermind behind the scenes.

Wang Chong asked, "Who is responsible for entering and uploading Zhou Yuntao's overdue credit record?"

"The customer's repayment record is automatically exported by the system, and we will upload it to the head office after verification, and the middle will be approved by the director of Qingquan and the credit management team of the head office, and uploaded to the credit information system of the People's Bank of China by the head office. ”

In other words, someone in the credit management team manually intervened in Zhou Yuntao's credit history. Wang Chong analyzed, "There are only four or five people in the head office who have authority, this is a clue, we can follow the upward investigation." ”

Wang Chong did not have the authority to investigate, and this matter could only be led by Lin Tianhua.

Zhang Feifei is in a very bad mood, as a credit account manager, what he is most afraid of encountering is non-performing loans, if Wang Chong reminds him, if this batch of loans goes wrong in the future, I am afraid that he will not be able to escape responsibility. He never dreamed that Li Qingquan's seemingly unintentional protection would make him fall into a quagmire.

"Alright, don't worry. Wang Chong comforted, "The soldiers will block the water and cover the earth, and there will be a road before the car reaches the mountain, and it is not early, go back and rest." Also, the business you reported to me in the afternoon for the New Hope Furniture Factory, and I will take you to inspect it tomorrow. ”

Zhang Feifei said, "I'll go with Sister Qiaowei." ”

Wang Chong smiled, "Are you embarrassed to let a pregnant woman who is seven or eight months pregnant go to the scene with you? Go back and study their loan information carefully to see if there are any problems." ”

Zhang Feifei did not go home after work, but dialed the phone number of Li Yang, who left the company a few months ago. Li Yang joined Donghua two years earlier than him, some time before leaving, the two had worked together, Zhang Feifei learned a lot of knowledge from him, Li Yang also took care of him, and then Li Yang and Li Qingquan didn't know why they quarreled, and quit their jobs in indignation, and now Donghua Securities is a financial manager, because of their similar age, the two have always been in contact.

"Brother Li, are you free at night?"

"What's wrong?"

"I'd like to invite you for a drink. ”

The two met at Sophie's Bar, a music bar with soft lighting and folk singers singing that made this bar quite popular among young people in Tung Wwa. Li Yang saw that Zhang Feifei had been drinking, so he asked, "What happened?"

Zhang Feifei said, "Brother Li, why did you leave Donghua in the first place?

When Li Yang heard Li Qingquan, he looked disdainful, "It's not because of the loan, the entire Chengdong branch knows that this guy is messing around outside, when I first entered Donghua, I didn't know the way, and he was fooled into doing some messy business, and then something went wrong, he flatly denied it, and put the responsibility on me. ”

Zhang Feifei told Li Yang about the batch of loans that Wang Chong found, "You handled all these businesses?"

Li Yang said angrily, "I just signed it, all the information was given to me by Li Qingquan, I proposed to do an on-site investigation, and he obstructed it in every way, and then I was forced to sign it under the pressure of the assessment, what's wrong?"

"There is no problem, when the new Director Wang Chong did an inspection, he found this problem, but he didn't seem to have much to do, so I asked you out to see if there was a way?"

Li Yang said, "Wang Chong went to the Chengdong Branch? Isn't he the general manager of the small and micro department of the head office?"

"I made a mistake and was dealt with by the head office. ”

Li Yang sighed, "In the entire Donghua Bank, I still admire Wang Chong, he has strong business ability, integrity, and a cool head, how could he do such a thing? It seems that I made the right choice to leave Tung Wah Bank in the first place. ”

Li Yang persuaded, "extraordinary, we do finance, deal with money all day long, the most susceptible to temptation, accidentally fall into a place of no return, but do this business, decent work, as long as you are willing to work hard, and the income is high, I advise you as a person who has come over, do finance, you must keep your heart, don't let the outside world of flowers and flowers be confused, go on the wrong path, this kind of money, earn not at ease!"

Throughout the night, Zhang Feifei couldn't sleep peacefully.

This is the first time he has insomnia because of work, when it was close to dawn, he fell asleep, dreamed that there was a problem with his loan, the whole Chengdong branch was accusing him, he shouted loudly, but no one believed him, in a hurry, he climbed up to the eighteenth floor balcony, shouted loudly, "Is it only when I jump down, do you think I am innocent?"

Li Qingquan's face was hateful, "You jump, you have jumped a hundred!"

Zhang Feifei jumped down......

Zhang Feifei woke up suddenly, covered in sweat. Looking up at the time, it was half past four in the morning, and he had slept for less than two hours, so he took a cold shower and sat in his room smoking until dawn.

The next day, Wang Chong saw Zhang Feifei with a tired face, "Didn't you rest well, why do you have dark circles under your eyes?"

Zhang Feifei replied truthfully, Wang Chong said, "I don't do bad things in my life, and I'm not afraid of ghosts knocking on the door in the middle of the night." Hurry up and get ready, and go to the development zone today to investigate customers. ”

The two drove to the New Hope Furniture Processing Factory in the Development Zone.

This is a 5 million renewal loan business, the collateral is ten acres of land in the processing plant, sponsored by Zhang Feifei and co-organized by Li Qiaowei, Li Qiaowei is pregnant, and Wang Chong runs the scene for her. Wang Chong has seen this loan information before, the loan application information is very perfect, the financial statements of the processing plant are also very good, and it is also a well-known small furniture processing factory in Donghua City.

However, judging from Wang Chong's many years of experience, with the rapid development of the logistics industry over the years, many large brand furniture manufacturers have quickly occupied second- and third-tier cities, which has caused a lot of impact on the living environment of this small and medium-sized furniture processing factory, and the profit margin has also been squeezed a lot. It was precisely because their report was so perfect that Wang Chong became suspicious.

The furniture factory covers an area of more than 50 acres, and the factory area is a little noisy, and there are various processing machinery sounds. There is not even a security guard at the door, and more than a dozen electric cars and bicycles are parked horizontally. Wang Chong asked, "Did you notify the customer in advance?"

Zhang Feifei said, "I called their boss Zhang Cheng yesterday. ”

Wang Chong didn't speak, he walked inside, and no one stopped him along the way, and went directly to their production workshop. Workers are at work. Zhang Feifei called Zhang Cheng, and the other party said that he was on the way, and it didn't take long for a Mercedes-Benz S350 to drive over.

Zhang Feifei said, "Mercedes-Benz S350, more than one million." ”

Wang Chong is undeniable, over the years, Wang Chong has no sense of luxury cars.

In these years, as long as the boss of the business is willing to take out a loan to buy a luxury car, some bosses even live in dozens of square meters of houses, and they also want luxury cars to support the façade. In the past, Wang Chong felt that they were slapping his face and being fat, but later a boss's words woke him up: bosses are short of money, especially liquidity, sometimes in order to borrow money, mortgage hundreds of thousands of liquidity with luxury cars, which is a way to quickly realize, and real estate realization, the time is a bit long. At the same time, buying a luxury car is also a symbol of strength and a kind of circle pass.

Zhang Feifei introduced the two.

Zhang Chengdao, "I'm sorry leader, I went to the airport in the morning and sent the leaders of the district to do errands, so I was a little late." Please forgive your sins!"

Wang Chong is lukewarm, "The bosses are generally busy. ”

Zhang Cheng took the two of them around the factory, by the way, he introduced how good his field is doing, this year has received several large orders, and the profit is about six or seven million, the strength is no problem, the reason for the loan is because there are too many accounts receivable, and there are many government businesses, and the payment is too slow.

Wang Chong listened all the way and did not speak.

Zhang Feifei is the host manager and asked some technical questions, and Zhang Cheng's answer was also decent, and he didn't find any problems.

Wang Chong suddenly asked, "Mr. Zhang, I see that the report shows that your factory still has more than 10 million inventory, can you take us to the warehouse to have a look?"

Zhang Cheng hesitated slightly, and said that we only have a small warehouse here, and more inventory is in the warehouse in the old city, and some of them are distributed in several furniture cities in Donghua.

Wang Chong said that let's look at the current treasury first.

A few people came to the back warehouse, Zhang Cheng opened the warehouse door, covering an area of two thousand square meters of warehouse, three-quarters of the space was full of finished furniture, Wang Chong stepped forward to check, roughly estimated the number of inventory, asked about the cost and factory price of these furniture, and then retreated.

Zhang Cheng complimented, "I have dealt with many banks for loans, and others have come to watch the flowers and take a turn, counting our Donghua Bank is the most conscientious, Mr. Wang's professionalism is admirable!"

Wang Chong smiled and didn't say anything.

Approaching noon, Mr. Zhang insisted on staying for dinner. Wang Chong refused, saying that there would be a meeting in the afternoon, and declined the other party's kindness. Zhang Cheng personally sent the two out of the door, and handed over two shopping cards with a face value of 5,000 yuan, "The loan of our New Hope Furniture Factory depends on the support of the leadership." A little meaning, not a tribute. ”

Wang Chong didn't accept it, "What do you mean?"

"Nothing else. ”

Wang Chong said, "Put it away, we don't do this in Donghua Bank." ”

Zhang Cheng was also calm, did not continue to insist, took back the shopping card, gave a thumbs up, and said, "I have found a lot of bank loans, and it is the first time I have encountered someone like Mr. Wang, and I admire someone in Zhang!"

After Wang Chong and the two left, Zhang Chengcai breathed a sigh of relief and dialed his mobile phone, "Director Li, they left, and they didn't accept the shopping card." This Wang Chong is really not good at stubble, if it weren't for your guidance, I really don't know how to get by. ”

Li Qingquan's voice came from the other side of the phone, "People like Wang Chong like to sell their reputation, they don't make money, and they have sick brains, don't worry, when the time comes, I will urge the host account manager again, and strive to give you approval within this week." ”

Mr. Zhang smiled cautiously and said, "Section Chief Li, can the interest on the bridge funds be lowered again this time?"

The loan he took across the bridge from Li Qingquan had a daily interest rate of 5/1,000, or nearly 20,000 yuan a day. All the loan materials were prepared for him by Li Qingquan, including the temporary workers who were hired to act, and borrowed some inventory, which cost at least hundreds of thousands of yuan this time.

Li Qingquan said unhappily, "The contract has been signed, you tell me this, I can help you save a lot of money by helping you rush the progress!"

……

When the two came out, Wang Chong asked Zhang Feifei, "What do you think of this loan?"

"I think this boss is quite capable, has a good relationship in the society, and has a lot of orders, if it weren't for too many accounts receivable, there would be no need for a loan at all. ”

Wang Chong asked again, "Is there any suspicion?"

Zhang Feifei scratched his head, "I didn't see it." ”

Wang Chong sighed, and said that he was still too young, so he analyzed, "As an account manager, you have to understand a company from all aspects, let alone look at the surface phenomenon directly. First, don't you think it's suspicious that there is no security guard in such a big factory and so much inventory?"

"Uh-uh......"

"Second, I don't know if you have noticed, the lock on the warehouse is rusty, and when Mr. Zhang opened the lock, it took a long time, obviously it has not been touched for a long time; third, there are more than a dozen workers in the furniture factory, counting sales, at most less than thirty people. However, the financial statements last year in terms of manpower expenditure of more than 4 million, obviously unreasonable; the fourth is the furniture in the warehouse, have you ever seen the furniture in the furniture factory before it leaves the factory, it has been assembled?"

After being reminded by Wang Chongyi, Zhang Feifei noticed this problem. Generally, furniture is produced, in order to save space and facilitate transportation, furniture will be packaged, and the furniture in this warehouse, although it is brand new, has been assembled, which is obviously deliberately placed in order to occupy the warehouse.

Wang Chong said, "No matter how perfect the information is for a loan, only when we arrive at the scene can we find out the problem, which is why the bank requires us to conduct a door-to-door investigation for the loan." Let's go, I'll take you somewhere......"

"Where to go?"

Wang Chong smiled, "Check the meter!"

Zhang Feifei was confused, under the guidance of Wang Chong, he drove to the property center of the development zone, this point is about to get off work, the property center does not have much business, a few staff are chatting, Wang Chong went up, and a few people set up almost, and then asked, "Sister, I want to inquire about something, can you help me check, the New Hope Furniture Factory in the south of our development zone has paid property fees and electricity bills in the past six months?"

A middle-aged woman in her forties said, "New Hope Furniture Factory?

"What's wrong?"

"From last year to now, their factory property fees, water and electricity bills have been stopped, and now they owe a total of more than 2,000 yuan, and they don't answer the phone, and the door-to-door collection is closed all day, and we thought it was closed!"