Zhao Xiaocheng stepped forward with a smile on his face and said, "Director Wang, our financial manager just came, I don't know the rules, you have a lot of adults, and there are places where God offends you, please Haihan." ”

Wang Chong pointed to the information on the table, "Mr. Zhao, I don't think your company is sincere about this loan." ”

Zhao Xiaocheng said, "This is indeed what I didn't arrange! Give you a hundred hearts, and prepare the loan information this afternoon!" and scolded the financial manager, "Why are you still stunned, hurry up and get to work!"

Wang Chong did not continue to be aggressive, made a gesture, and everyone returned to the conference room. Wang Chong continued: "If it goes well, we will complete the preliminary investigation in the next few days, I don't know if Mr. Zhao can arrange it, I want to meet with Chairman Qi, and nothing else, it is a routine procedure in our loan investigation." ”

Peng Kaiyu couldn't get used to Wang Chong's style, and said, "Is our chairman anyone who can see him?" Zhao Xiaocheng heard this and reprimanded, "How do you talk?

Qi Zhongyuan is a deputy to the Provincial People's Congress and a famous entrepreneur, and the people who deal with him on weekdays are either city leaders or senior officials of the provincial department, Peng Kaiyu's meaning is very clear, and when he interviews Qi Zhongyuan, Wang Chong is not qualified enough.

How could Wang Chong not understand the meaning of his words, he smiled and did not make a sound.

Zhao Xiaocheng relieved the siege and said: "Our chairman Qi recently investigated a development project in Xinjiang, and may not be able to come back until the beginning of next month. ”

Wang Chong kept an eye on it, "I'd better go and ask President Lin for instructions on this matter, and see how the leader arranges it." ”

He also knew that in Chinese society, he paid attention to the equality of individual ranks, and when negotiating with Qi Zhongyuan, Wang Chong was indeed a little unqualified, but when he pulled Lin Tianhua, the situation was different. What's more, this loan was arranged by Lin Tianhua, and Wang Chong also saved a little caution when he was pulled in.

Zhao and Peng came out of the conference room, and Peng Kaiyu said dissatisfiedly, "What's bullish, I've been in our Tianma Group for so many years, and the loan is not once or twice, it's really the first time I've seen someone like him." ”

Zhao Xiaocheng said: "Now the situation is different, it is not a good day for the bank to beg us for a loan a few years ago, now we are begging him, and we have to treat them like grandfathers." ”

Peng Kaiyu asked: "Isn't Chairman Qi in Donghua, if the person surnamed Wang really wants to go to Xinjiang, what should I do?"

Zhao Xiaocheng said with a smile, "Lao Peng, if you want to talk about production and management, I am not as good as you, but in a humane society like China, what do you do, don't rely on relationships to make friends? If Wang Chong really goes to Xinjiang, then let the old man go on a trip, some things are not easy to operate here, and if you really go to other places, you are not familiar with the place, and you will eat, drink, prostitute and gamble, and we will not arrange it casually? Even if Wang Chong is unmoved, there are not a few other people? At that time, there will be more room for operation. ”

Peng Kaiyu didn't seem to understand, but he didn't ask again.

The next morning, Qi Beiwang, the son of the chairman and president of Tianma Group, came to visit Wang Chong in Shunfa Aluminum.

Zhao Xiaocheng said, "It turns out that Mr. Qi and Director Wang know each other?"

On that day, Qi Beiwang was rejected because of his pursuit of Ma Xiaoxiao, and he used to use it as a shield, and later Qi Beiwang befriended other women and did not continue to pursue Ma, but the two had a bad quarrel in Starlight Cinema.

Wang Chong said: "Last time, I didn't thank Mr. Xiao Qi for giving away the ticket!"

Qi Beiwang also calmed down, "If Director Wang is willing, Qi can get you a VIP card in Starlight World, and you can go at any time if you want to see it." ”

Wang Chong smiled, "Then you don't have to break the bank, although my income is not high, I can still afford this money." I don't think Xiao Qi came here to watch a movie, right?"

Qi Beiwang is not a person who can't afford to let go, haha smiled, "Of course not!"

When he came to the conference room, he sat down on the sofa, "Director Wang, please take a seat, don't be restrained." After everyone sat down, Qi Beiwang said slowly, "I heard Director Zhao of the financing department say that we Shunfa Aluminum want to make a loan in your Donghua Bank, and our Tianma Group is an old customer of Donghua Bank, do you think there are any other problems that need my cooperation?"

Wang Chong sorted out his thoughts and said, "I was going to consult Chairman Qi, but today Mr. Qi is here, and I will also come to learn from Mr. Qi." By the way, there are a few questions that I still need to ask. ”

"Director Wang, please speak. He took a sip of tea, frowned, and said, "Mr. Peng, why do you use such unpalatable tea?

Wang Chong stopped: "You can't blame Mr. Peng for this, the tea is brought by ourselves." Mr. Xiao Qi, we have preliminarily read the information of Shunfa Aluminum, and from the report, the entire upstream and downstream production, sales and cash flow are very healthy, but there is one thing I don't understand. Judging from the price trend of bauxite this year, the price per ton has risen from 420 yuan to 450 yuan, an increase of 10%, your company's main downstream order customers are mostly photovoltaic new energy industry, from the second half of the EU anti-dumping, the photovoltaic industry has been hit hard, it can be expected that in the future, the entire industry will face the crisis of overcapacity, I don't know how Xiaoqi always responds to this change?

Qi Beiwang lit a cigarette, tapped his fingers on the tabletop, and said, "You don't have to worry about it." Shunfa Aluminum's business, we use more than 300 acres of land and buildings as collateral, and also mortgage the entire production line worth more than 800 million yuan to you, for this loan, it should be worth it, you Donghua Bank will put this loan to us, it is quite happy to put the money into the safe, just sit and wait for the interest to be collected, what else is not to worry about?"

Wang Chong's question hit the nail on the head, if Qi Zhongyuan is here, he will inevitably answer from the international situation, national macro policies and the strategic planning made by Tianma Group in response to the current situation, and will cite a large amount of data to support his own views, while Qi Beiwang only answers from the safety of funds, which is obviously to avoid the important and light. Zhao Xiaocheng sighed secretly, after all, Xiao Qi's overall ability is still more than a big step worse than Qi Zhongyuan, and it is no wonder that several elders in the group have different opinions on Qi Zhongyuan's arrangement for his son to take over the Tianma Group.

Wang Chong said with a smile, "Mr. Xiao Qi, we are just considering whether your company has the ability to repay from a business perspective, as for land mortgage and equipment mortgage, it is just a way to prevent risks, and we don't want to collect your factory because of hundreds of millions of loans, right?"

Zhao Xiaocheng hurriedly said, "Director Wang, let me add two sentences." You are talking about the issue of bauxite prices, which we have taken into account when we were doing strategic planning, and at that time there was a hedging business for bauxite in the futures market, so the price fluctuations did not have a big impact on us. Internationally, the production of Hydro Brazil alumina plant has been reduced, Rusal has been sanctioned, and the price of aluminum powder this year has increased slightly compared with the beginning of the year, and even reached a high price of 14,500 yuan/ton. As for the downstream customers, we have realized the problems of the photovoltaic industry, so in the second half of the year, the company successfully won the bid for Hualu's order, with a target amount of about 800 million yuan, and this loan is exactly what is needed to raise funds for this order. Overall, our expected profit of 320 million yuan should be successfully completed. ”

Wang Chong listened and wrote it down with a pen, "The original of this order contract may need to be provided." Zhao Xiaocheng hurriedly agreed, "I have already completed the legal procedures of the group, and I will send it over after the other party has stamped it." ”

After Qi Beiwang left, Wang Chong explained to Zhang Feifei: "Hualu is a listed company, and such a large order will generally be disclosed in the quarterly report. ”

After going out, Peng Kaiyu said: "Mr. Zhao, we didn't sign a contract with Hualu." ”

Zhao Xiaocheng said: "This is also a last resort, Hualu's financing is always my classmates, when the time comes, please ask them to help, take an account from them, but a financial cost is inevitable." ”

Zhao Xiaocheng also had a thought in his heart when he said this, if he could really complete this business, the other party would charge financial fees, and he would also take out a part of it to himself according to the industry rules, even if it was only one point, it would be millions of funds.

Qi Beiwang also frowned and said: "Hualu is a listed company, their audit is so strict, can they help with this?"

Zhao Xiaocheng said: "Now that the arrow is on the bow, you have to help, you have to help, you have to help if you don't help, besides, they are not having a good time this year, with this contract, their own data is also good, isn't it? However, it is always a trouble for this Wang Chong to stay here, it is best to transfer him and change him to a credit director, this matter, I may have to talk to the old man about it." ”

Qi Beiwang was most afraid of seeing Qi Zhongyuan on weekdays, and although he promised it verbally, he had a crooked mind in his heart.

After yesterday's out, Shunfa Aluminum is more in line with the project team's investigation, the progress is smoother than expected, to the morning of the third day, the overall investigation has been nearly completed, Wang Chong asked, "Did you find any problems?"

Su Lei said: "I went to the website to verify the audit report, and there is basically no big problem with the original and copy, but there are a few financial data that cannot be checked logically, and I will continue to follow up." In addition, when we retrieved the financial information, we found that there was a bauxite invoice with an amount of 70 million, the date of issuance had passed the date of inspection, and the input deduction was made, is this considered tax evasion?"

Wang Chong said: "This is the business that the tax department should be in charge of. ”

This kind of thing of buying tickets to offset deductions is common in the industry, and aircraft carrier-level enterprises like Tianma Group, not to mention, are generally able to do this, they must have opened up the relevant joints, and they are no longer within the scope of Wang Chong's investigation.

"Anything else?"

Zhang Feifei said: "Boss, I have checked the collateral, and the land and attachments are not mortgaged, but this time we proposed the mortgage of the equipment production line, and I found that the entire production line has been mortgaged to a financial leasing company, and there is no credit investigation, I obtained it through other channels." ”

"Is the information accurate?"

"It's true, the source of the information is a classmate of mine, but he only told me verbally, and he can't provide me with relevant supporting information. ”

"What about the account flow information, and is there any financial information between affiliated enterprises?"

Su Lei said: "We have checked Tianma Group and its affiliated enterprises, and we have not found any abnormal capital transactions. ”

Wang Chong thought for a while and wondered, "No, according to my judgment of the entire industry, it is already good that this Shunfa Aluminum Industry can not lose money in a year, how can it have such a high profit?"

Zhang Feifei muttered, "After all, we have a financing team of two or three hundred people, and our Donghua Bank has less than 1,500 people.

When Wang Chong heard this, he said: "There must be some key clues hidden in it, but we haven't found it, continue to expand the scope of the investigation, not only limited to affiliated enterprises, but also other companies controlled by several major shareholders and executives, and there must be something missing." Tianma Group has more than 10 billion external debts, although it is said to be large, but in recent years, it has helped the government carry so many debts, and it is impossible to have such a good business situation. ”

Wang Chong suddenly thought of something, and said: "By the way, the few doubts just mentioned are reflected in the investigation report, including hearsay." ”

"Is this a good job?" Zhang Feifei asked.

"We are at the forefront of risk control, fully exposing the problems found, but also to prevent problems in the future, accountability for our failure to do due diligence, whether we can pass, but also depends on the credit review committee of the branch and the head office, they will measure whether to put the loan from the overall situation. Wang Chong added, "Moreover, the city government has put pressure on President Lin, and it is more likely that this loan will be approved." ”

Su Lei judged: "Boss, in my experience, Tianma Group's debts have reached a saturated state, and the credit report shows only bank loans, and some invisible financing, which is not reflected. ”

Wang Chong sighed, "How can I not know about this kind of thing to quench my thirst? How can President Lin not know? How can the entire Donghua banking industry not know? However, at this point, it is no longer something we can control, and this bubble, once punctured, will be a huge blow to our Donghua banking industry, and besides, it also involves the unemployment of thousands of employees of the Tianma Group, which is not a trivial matter. To some extent, corporations, banks and governments have been tied together, one is prosperous, the other is lost, and no one wants anything to happen, so continue to inject money into it. ”

"Master, why don't you just puncture this bubble, the long pain is better than the short pain, in the long run, it is also good for the enterprise and the society. Zhang Feifei asked.

Wang Chong analyzed: "The question is who will pierce it? Who will bear this responsibility? You and I, Donghua Bank, or the government? In this society, everyone wants stability, and no one wants to bear this responsibility, what should we do? Just like the entire real estate industry in China, only if we are cautious first, maybe we will have a way in the future?"

Su Lei asked, "What do you mean by the method...... However, the stock prices of several listed companies of Tianma Group are not very ideal. ”

Wang Chong smiled bitterly, "Don't forget, Tianma Group still accounts for 4.99% of the shares in our bank, if our Donghua Bank is listed next year, the market value of the part of the shares he occupies will increase tenfold or even dozens of times, and it is better to use the money of shareholders to save Tianma Group than to let this risk appear in Donghua City, right?"

Su Lei said suddenly: "What a big layout." ”

Zhang Feifei said: "Then if Qi Zhongyuan refuses to guarantee this loan, we can pledge Tianma Group in our bank!"

Su Lei scolded with a smile: "Our articles of association stipulate that it is not allowed to pledge the equity of our bank to the bank. ”

Zhang Feifei muttered, "That's also the score, isn't it?"

Since Wang Chong set the tone for the loan, whether the loan is approved or not is a matter for the loan review committee, but as a member of the project team, all the business conditions and potential risks of the enterprise must be truthfully exposed, and the people of the entire project team have clarified the direction of work.

No matter how adequate the materials prepared by the financing department of Tianma Group, however, everything cannot stand up to the word serious, and with the continuous advancement of the project, more and more problems are gradually exposed.

First of all, Su Lei found that the audit report provided by Tianma Group had changed several data from the actual original, which Su Lei verified with the personnel responsible for the project audit of Tianma Group at PricewaterhouseCoopers, and only after revision did the logical verification problem of the data be solved.

Later, when a member of the project team reviewed the company's counterparties, it was found that three of the companies were legal persons, either as independent directors of Tianma Group or as immediate family members of a leader in the group. Further investigation found that in addition to Tianma Group and various entity companies, there are also two kinds of accounting companies and financing companies, which usually do not carry out specific business, but only provide services for the "Tianma system" company to handle accounts and fund scheduling, or provide funds for entity companies by applying for loans and acceptance bills from banks.

The three-day field investigation was originally planned, but it was still not completed on the fifth day, and it was thought that it was just a formality, but there were more and more problems, which made Zhao Xiaocheng and Peng Kaiyu anxious like ants on a hot pot.

Originally, Wang Chong wanted to follow the project team to complete the investigation, but on the afternoon of the fifth day, when Wang Chong was charging his mobile phone, the phone and text messages kept ringing, but because the mobile phone was on silent, he never saw it. As a result, the phone was called to Su Lei, and Gu Tiande's voice came from the phone: "You ask Wang Chong to answer the phone." ”

Wang Chong took the phone, "Gu Xing, do you have something to do with me?"

"Where are you and why don't you answer the phone?"

"What about phone charging. ”

"I'm at the head office, you should come over quickly. ”

"I'm still busy here, and the project of Shunfa Aluminum has not yet been completed. ”

Gu Tiande said angrily: "What is smooth hair and good wind, something happened in the industry." ”

"What's the matter?"

"It's not convenient to talk on the phone, but you'll know when you arrive. ”

Wang Chong muttered, it can't be the reason why Zhao Xiaocheng found a way to transfer him away, right? He picked up his mobile phone and found that there were more than ten missed calls, including Lin Tianhua, and the most popular was Li Tong from the Public Relations Department, and Li Tong also sent Wang Chong a WeChat message with a link to the post bar.

Wang Chong clicked on the link, and a shocking title came into view.

"The bank credit director took a bribe of 200,000 yuan to draw loans, and private entrepreneurs died!"