Wang Chong put down the phone and said to Kang Wan with a smile, "What, are you satisfied with the solution to the problem?"

The conversation between Wang Chong and that person just now made Kang Wan laugh, "I didn't expect that Manager Wang, who looks righteous and righteous on weekdays, would have such a funny time." ”

Wang Chong said, "Okay, Manager Kang, I guess you didn't just come here for this matter. Now that the private matter has been settled, let's talk about the business. ”

Seeing that Wang Chong was so direct, Kang Wan felt a little restrained, "This ......"

Wang Chong asked, "Didn't you come to talk about the loan of Shunfa Aluminum?"

Kang Wan plucked up her courage and said, "Yes, uncle......"

Wang Chong interrupted, "You still call me Wang Chong, I feel a little awkward about this title." ”

"Actually, I came to you this time, it is Director Zhao's meaning, you see that the loan of Tianma Group has been approved, and you have not given the loan here, Director Zhao said, as long as the conditions are not particularly excessive, we can discuss. ”

"Conditions, such as?" Wang Chong asked.

Kang Wan said, "It's a matter of handling fees, and we also know the hard work of making credit, so the group will take out a part of the fees as a hard work fee for you and your team......

Wang Chong has long expected this, which is also a common problem in the industry, generally large group loans, it seems that the interest rate is not high, the benchmark interest rate rises by 10-20%, but it takes out one to three points of fees to the entire business team. Businesses are also willing to pay less interest, and bank personnel can also get the benefits.

However, this kind of behavior is an extremely serious violation of the law in nature, if the enterprise loan is fine, then it is good to say, once the loan is withdrawn or defaulted, the enterprise will say about it, and even threaten the bank to renew the loan. Wang Chong has often encountered this situation over the years, and his answers to the same questions are the same: this kind of behavior must not be allowed.

The smile on Wang Chong's face gradually faded, "Manager Kang, maybe we don't have much contact time, you don't know me, don't mention this kind of thing in the future, the loan interest rate will be raised by 40% according to the benchmark, if you don't agree, then I can't do anything." ”

Kang Wan hesitated, "I'll report to Director Zhao, what about the loan?"

At this time, Wang Chong's phone rang, and it was Lin Tianhua calling.

"President Lin. ”

Lin Tianhua said, "How is the loan of Tianma Group going?"

Wang Chong said, "You are still implementing the loan conditions, what instructions do you have?"

"If it's okay, then put it away as soon as possible. ”

Wang Chong was a little puzzled, he originally let him drag the loan, "But President Lin ......"

Lin Tianhua raised his voice and said, "Obey the order." ”

"Yes. ”

Wang Chong heard a little helplessness from his mouth, and he couldn't wonder that if it weren't for the obstruction of this loan, there would not have been the recent dismissal of Lin Tianhua by the board of directors. This matter, whether it is Tianma Group, the board of directors, or the leaders of the municipal government, has put a lot of pressure on Lin Tianhua. Lin Tianhua knew that it would be risky to put it out, but he had no way to refuse, but if something happened, all the boards would hit Lin Tianhua on the head.

After hanging up the phone, Wang Chong said to Kang Wan, "Inform you Director Zhao that the loan will be released tomorrow morning." ”

Kang Wan didn't expect things to go so smoothly, and couldn't help but ask, "Really?"

Wang Chong said, "Your Tianma Group is a key enterprise in the city, and Chairman Qi is a person with good hands and eyes, even the deputy mayor has helped you speak, what else can we do?"

Kang Wan breathed a long sigh of relief, almost didn't laugh out loud, Wang Chong wondered, "Why are you so happy?"

Kang Wan said, "Director Zhao said that if I can't talk about it this week, I won't have to go to work. Big...... No, Mr. Wang, I want to thank you so much. ”

"How thanks?"

As soon as these words came out, Kang Wan's face suddenly turned red. She remembered what happened before and knew that Wang Chong's words were actually ridiculing her, so she lowered her head and said in a voice, "You have the final say." ”

Wang Chong laughed, "Okay, hurry up and go back and report to Zhao Xiaocheng." I'm kidding you, you're still so young, you have to be upright, and you still have a long way to go. ”

Sending Kang Wan away, Wang Chong called Su Lei and Zhang Feifei and asked to do the lending process of Tianma Loan in the system. Zhang Feifei said, "Boss, can't stand the pressure?"

Wang Chong scolded with a smile, "As far as you know a lot of things, the business volume has not been enough recently, it seems that I have to consider adding more burdens to you." ”

Zhang Feifei stuck out his tongue, "I'll implement it!" and ran out.

Wang Chong asked Su Lei, "After I left the project team, you were responsible for the entire project, why did you report the hard conditions I mentioned before when they were not implemented?"

Su Lei was hesitant and couldn't answer.

Wang Chong said, "Just tell the truth, I won't be embarrassed for you." ”

Su Lei thought for a moment and said, "Actually, this is what President Liu and President Li mean. So, he told the situation when the project team had dinner at the Qizhong Central Plains Club that night, "The next day, the two presidents called me to the office to talk, asked me to change the credit conditions, and said ......."

"Say what?"

"The two presidents promised me that after the project was completed, they would promote me to the head of the company's business department. ”

Wang Chong sighed in his heart, Su Lei is not himself, and his rank is low, after all, he is still no match for the two presidents, he persuaded: "Su Lei, I don't blame you for this matter, but the bank gives us the power to conduct independent investigations, and we can't do things that violate professional ethics because of the instructions of our superiors. ”

Su Lei was a little disapproving, but he had to admire Wang Chong. In the entire Donghua Bank, I am afraid that Wang Chong is the only one who can say this kind of thing and can fulfill it.

……

Li Yishu called, "Just finished the meeting, how did you handle the matter over there?" She was referring to Kang Wan's text message, Wang Chong said, "Just help a friend ask, this kind of fraudulent text message, so low-level, how can it deceive me." ”

Li Yishu said, "Don't say it, every year we receive seven or eight hundred reports of this kind of fraud, not including those who think they are unlucky and do not report the case." ”

Wang Chong said, "It seems that you have a long way to go. ”

Li Yishu said, "If you are free at night, please eat." ”

Wang Chong hurriedly said, "I don't dare to eat Captain Li's food easily, you still say something." ”

"Why, I can't please you yet?"

"If you have nothing to do, you will go to the Three Treasures Palace, and when you say this, you always feel panicked. ”

Li Yishu smiled, "I've been in a bit of trouble in the case recently, and I want to ask you about some things." ”

The two made an appointment and hung up the phone.

In order to avoid Ma Xiaoxiao's misunderstanding, Wang Chong specially called Ma Xiaoxiao, "Li Yishu, please have dinner in the evening, are you free, come over together." “

Ma Xiaoxiao said sourly, "It was you who were invited, and they didn't say they invited me, what did I do in the past?"

Wang Chong laughed, "I'm not afraid that you will misunderstand, after all, you are my girlfriend." ”

Ma Xiaoxiao snorted, "You still know that I'm your girlfriend, and when I'm busy, I don't know how to make a call." People used to fall in love, and they had to call for an hour every day. ”

Wang Chong said, "Okay, I just don't go." ”

Ma Xiaoxiao said, "Okay, tease you, I'm not a three-year-old child, I'm in the unit at night to catch up with the draft, remember to call me after the date." ”

When he came to the agreed restaurant, Li Yishu wore a lilac sweater and a light blue tweed coat on the outside, and he really dressed up, and he didn't wear a police uniform for the first time, Wang Chong looked Li Yishu up and down, and Li Yishu asked, "What, not used to it?"

Wang Chong said: "I still think it's more flavorful for you to wear a police uniform." ”

Li Yishu smiled, sat down, and said, "You have to wear a police uniform for dinner, how tiring it is." ”

This is a western restaurant, the environment is quite elegant, most of the people who dine are dating couples, the voice is not high, with soothing music, the atmosphere is a little different.

The two have known each other for so many years, except for the last time they ate noodles, this is the first time they have eaten on such a formal occasion, and they don't know what to say, and the atmosphere is a little awkward for a while.

The waiter came over and said, "Sir, today our store has launched a couple package, 588 yuan a piece, do you want to try it?"

Wang Chong and Li Yishu said in unison: "We are not a couple. Then, they looked at each other and smiled.

Wang Chong said, "Then let's go to this." ”

Li Yishu said, "Wang Chong, congratulations. ”

Wang Chong wondered, "Congratulations?"

"yes, I mean, you and Ma Xiaoxiao are finally together. Don't you know, Ma Xiaoxiao has had a crush on you for more than ten years, she seems to be very casual about feelings, but I know that over the years, she has not had an easy time. But fortunately, seeing good friends with their favorite people always has a good ending. Don't let her down. ”

Wang Chong scratched his head in embarrassment, nodded again, and suddenly asked, "What about our Captain Li?" ”

Li Yishu sighed, "The older a man is, the more valuable he is, and no one wants an older leftover woman like us after the age of thirty." ”

Wang Chong laughed, "Don't be too modest, if you really want to find a boyfriend, the men in the world are not waiting in line for you to choose." ”

Li Yishu paused, "What's the use of having more people, it's useless to find a suitable one." ”

"What you like, I can help you keep an eye on it. ”

Li Yishu thought for a while and said, "A man who is capable, responsible, and responsible, at least stronger than me, can he suppress me?"

Wang Chong smiled bitterly: "It's hard to say anything else, the last one, I'm afraid that 99% of the men in the world will be eliminated." ”

Li Yishu feigned anger and said, "Why are you so bad, you mean to say that I am like a man?"

"No, men are not as good as you. ”

Li Yishu sighed secretly in his heart, there may be such a man, but he was snatched away by others.

The two of them had their own thoughts, they ate quietly, and they didn't speak, and after a while, Wang Chong said: "Captain Li came out of me, it won't be for this, to be honest, I'm really not doing it." ”

Li Yishu cleaned up his mood and said, "Actually, I am looking for you, for the matter of the illegal fundraising case, last time we traced the flow of funds from a monitored account to a trust institution, and then through several relationships, to the account of Tianma Group and Win-Win Investment, it can be concluded that Tianma Group and Shijia Brothers must be involved, but legally speaking, this suspicion lacks evidence, you are engaged in finance, can you provide a little professional advice?"

Wang Chong thought for a moment and asked, "In that case, why don't you directly intervene in the investigation, as far as I know, the Easy Money APP controlled by them is still falling into a steady stream of people." ”

"We have also considered that the reason why we did not take action was because we were afraid that if we took action, we would startle them and alert them to transfer their funds abroad. Although we have made an emergency plan, we are afraid that if there is a mistake, the responsibility will be great. ”

Wang Chong sighed and said, "People, in the face of money, always expose their inferior side. ”

Li Yishu retorted, "Not necessarily, as far as I know, there is an upright person in front of me who regards money as dung." Wang Chong smiled bitterly, "I just didn't face this temptation." ”

Li Yishu said categorically, "Wang Chong, you won't." ”

"Since these people are greedy for high interest rates, they were deceived and deceived, and it was Zhou Yu who beat Huang Gai, one willing to fight and the other willing to suffer. ”

"That being said, we are law enforcement officers and we have an obligation to protect the property of ordinary people from loss. Li Yishu paused and added, "At least within a controllable range, try to minimize the losses of investors." ”

Wang Chong said: "Have you considered dismantling them from the inside, such as controlling a suspicious one, and then going down the vine to find them?"

"It's not that I haven't thought about it, but it's easier said than done. According to the feedback from the task force, this money is still in Donghua City, scattered into hundreds of accounts, and we dare not act rashly unless we can grasp enough clues. ”

Wang Chong nodded, "If that's the case, it's better to find a way to force them, let them be in a hurry, and show their feet, which can be regarded as throwing stones to ask for directions." ”

……

On the morning of the next day, Shunfa Aluminum's 650 million project officially completed the credit.

According to Wang Chong's opinion, this amount of money is earmarked, and when implementing the credit conditions, it is proposed to establish a fund co-management account, and use the 650 million credit in batches, each time with the invoice issued by Hualu and the contract payment request as the credit condition, so as to strengthen the control of the risk of the loan, but this requirement was vetoed by the head office, which made Wang Chong a little worried, nine times out of ten, the loan will be misappropriated by Tianma Group for other purposes, but it has lost control over the cash flow. These matters were beyond his jurisdiction, and he had no choice but to proceed in accordance with the resolution of the loan review committee.

The time has entered the second half of December, and the annual year-end accounting day is approaching.

This is a major event in the banking system, and it is necessary to carry out an overall liquidation of the bank's business situation throughout the year, and it is necessary to carry out unified accounting of cash accounts, physical accounts, journals, sub-accounts, teller accounts, branch accounts, and so on. In the past, manual statistics were required, but now after electronic operation, most of the reports can be automatically counted, but for some reasons (such as regulatory indicators), some accounts and data still need to be manually adjusted, and several departments such as operation, accounting, risk, compliance, and technology need to cooperate with each other, which is very complicated to handle.

The loans of the credit department have also been basically stopped, and some loans that have been approved will have to wait until next year to be released, first, for the reserve project after New Year's Day, and second, the people's bank's agreed loan line has also been basically used up.

At the executive meeting of Chengdong Branch, the financial manager conveyed the work plan of the year-end accounts issued by the head office. This was originally a major event in the industry, but Gu Tiande was in a state of mind throughout the meeting, a little restless, and after the study was completed, the financial manager reminded him twice, Gu Tiande was alert, and said: "Comrades, the year-end final accounts are a major event for our line, and the finance department has conveyed the specific requirements of each department just now, and I have no opinion......

Gu Tiande's mobile phone rang, he quickly picked up the phone and walked out.

Gu Tiande didn't say that the meeting was dismissed, everyone, you look at me, I look at you, and I don't know what to do. At this time, Wang Chong was in a hurry, went to the bathroom, and on the way back, he heard Gu Tiande talking on the balcony, he looked a little excited, and his voice gradually became higher. Although Wang Chong had no intention of eavesdropping, his voice came inadvertently.

"What? Minfeng Bank draws loans?"

"Who the fuck did it...... I guess it's that bastard...... You ask me, who am I going to, anyway, by the end of the year, you have to scrape together three million ...... for me."

"It's time to cash in the interest next month, if you can't make it on time, it will cause panic, and then you and I won't be able to eat and walk around......"

"Don't tell me the reason, you can't do it, you can't do it and wait for jail!"

Wang Chong listened to the general situation, and became suspicious in his heart, Minfeng Bank took out loans, what interest did you cash, let Gu Tiande lose such a big temper, could something have happened?

Gu Tiande hung up the phone, obviously still angry, and saw Wang Chong walking not far away, his heart became more and more irritable, "What are you doing here?" Wang Chong pretended to have just come over, and said, "It's not too boring, I'm going to come out and smoke a cigarette." ”

Gu Tiande thought of the fact that his office was being monitored, and he was angry, and snorted coldly, "What you kid did, don't think what you did, I don't know." ”

Wang Chong was surprised and said, "What does President Gu have to do?"

"You know what you know, huh. He ignored Wang Chong and went straight back to his office. Wang Chong was confused, shook his head, and said in his heart that it seemed that he was in trouble.

Seeing that Gu Tiande did not continue the meeting, Wang Chong returned to the conference room to end the meeting and came to the office, but saw Zhang Feifei coming over a little nervously, "Boss, the loan of Donghua Kangmang Economic and Trade should have deposited 1.32 million interest on the 22nd of this month, but it was not repaid on time." “

Wang Chong frowned, "Did you call?"

"Urged, but the other party said that he was just helping Baicheng New Materials to make an account, and the money was given to Baicheng, so that we could ask Baicheng for interest. ”

"The money is a Kangmang economic and trade loan, what is the problem between them and Baicheng New Materials, that is their problem, we have no responsibility, and we have no right to claim rights and interests to Baicheng New Materials. ”

"I told me, but they wouldn't listen. ”

This business was handled by Su Lei, and he remembered that he signed a drawer agreement at that time, and used the guarantee of 200 million funds of Baicheng New Materials, so he said, "Then use the post-loan inspection as the reason to collect invoices and other evidence for the purchase of polyethylene products, and if not, according to the contract, announce that the loan will expire immediately." If the other party does not repay, it will claim rights and interests from the guarantor Baicheng New Materials, and use a deposit of 200 million yuan to repay the loan. ”

Wang Chong's forehead was sweating, and he didn't expect that Gu Tiande's operation would have such consequences. The year-end accounts are about to be settled, and if something goes wrong with this loan, although the ultimate risk can be controlled, there will be trouble with regulatory indicators and assessment indicators.

"Also, this business was authorized by President Gu to Su Lei, so let Su Lei and I go to President Gu for instructions on how to deal with it. ”

Gu Tiande was sullen in the office, Wang Chong and Su Lei went in, Su Lei reported the situation to Gu Tiande, Gu Tiande said to Wang Chong, "Tianma Group is your steward, I authorize you to deal with this matter with full authority." ”

Wang Chong was a little unhappy, "I don't agree to do this loan." ”

Gu Tiande sneered, "How do you want to shirk responsibility, don't you? You are the vice president in charge of business, if you don't solve this kind of thing, who will solve it?"