Wang Chong couldn't help but feel depressed, although he knew that there was a problem with the loan, Gu Tiande would push the responsibility on him, but he didn't expect him to be so direct, so he said: "President Gu, I didn't recommend this loan at the beginning. After all, this is not a conventional loan. ”

Gu Tiande asked, "So you blame me for the opposite?" We have been ranked last in the assessment in the past few years, isn't I doing this to make the indicators in the industry look better, so that everyone can get more money for the year-end bonus and have a good year." ”

Wang Chong thought to himself, the reason why this loan can be put on is actually related to himself, in front of everyone, Wang Chong and Lin Tianhua made a bet of 200 million yuan, and roasted Gu Tiande on the fire, and finally had a chance, although there are some flaws, but it is also a real business. If it is not at the end of the year, there can be plenty of time to negotiate, and there is still a week to go before the year-end accounts, which is a bit imminent.

Gu Tiande continued, "Now that the situation is like this, it's not time to be held responsible, Wang Chong, what do you say?"

Wang Chong said, "Immediately communicate with Tianma Group, if Kangmang does not make the payment, we will require Baicheng New Materials to fulfill the guarantee responsibility, this matter must be decided immediately, and it cannot be delayed." ”

Gu Tiande nodded, "That's what I mean." You go and call Zhao Xiaocheng now and discuss......"

The phone rang, Gu Tiande saw that it was Lin Tianhua's phone, and quickly picked it up, and before he could speak, he heard Lin Tianhua say angrily on the other side, "Gu Tiande, what's the situation in your Chengdong Branch, why did you stab Lou Zi at the end of three days?

Gu Tiande said: "Lin Xing, what do you mean ......?"

"You still need to ask, Tianma Group Baicheng New Materials business, don't say you don't know about it. ”

Gu Tiande glanced at Wang Chong and Su Lei, meaning to ask you to report to the head office? The two shook their heads, and he muttered in his heart, why did the accident happen on the front foot, he knew it later, could it be that there is Lin Tianhua's eyeliner in the bank?

He hurriedly explained: "Governor Lin, don't worry, I have already handed over this matter to Wang Chong. ”

Lin Tianhua was originally very angry with Gu Tiande because of Cai Dongquan's vote, and when he heard this, he immediately became angry and scolded: "Wang Chong? Let me ask you, are you the president of this Chengdong Branch, or is Wang Chong the president? What do you eat yourself?".

Gu Tiande listened to the sweat on his forehead, and said, "Yes, yes, I will communicate this matter and report it to you in person later." He wanted the two of them to avoid it, but Lin Tianhua hung up the phone directly.

Gu Tiande glanced at the two of them, "Why are you stunned, why don't you hurry up and communicate with Tianma?"

Su Lei said: "Leader, President Lin didn't say ......"

Gu Tiande said angrily, "The president is the president, you are you, do your own thing, you don't have to worry about the rest, you go to communicate with Tianma first, and I will go to the district government to see if there is a way." ”

The two walked out, Gu Tiande sat down, lit a cigarette, and fell into deep thought.

There are troubles every year, and this year there are especially many. In the past few years, the credit policy has been relaxed, and some industries with mixed quality have borrowed from banks, and the loan amount exceeds their actual loan amount, and these enterprises cannot repay the loan after expiration, so they find intermediaries to walk across the bridge, Gu Tiande has authority in his hands, and as a result, Shi Kui, Shi Hu and others found him, allowing him to taste a lot of sweetness.

There are no more than two sources of funds for bridge loans, one is to absorb savings from the private sector at high interest rates, and the other is to borrow low-interest loans from banks. Gu Tiande privately engraved the seal of the Chengdong Branch, and on the grounds of purchasing wealth management, he absorbed tens of millions of deposits and paid interest at a monthly interest rate of 1.5%. Shi Kui and Shi Hu are responsible for finding customers, and the two sides share the profits in proportion.

As a result, not long ago, Minfeng Bank withdrew loans to a company, resulting in a tight entire capital chain, and there was a gap of eight million, which was about to be New Year's Eve, and paid the interest from the private deposits in the next quarter, but the money could not be in place, if the interest was not cashed on time when due, it would inevitably cause a mass panic, which made Gu Tiande anxious, and he didn't have the heart to pay attention to the business of Tianma Group.

Thinking about it, in the entire Donghua City, only Shi Kui and Shi Hu can help him.

He took out another mobile phone from the drawer, "Boss Shi?"

Shi Kui smiled and said, "Governor Gu, do you have time to think of me?"

Since Li Qingquan's accident, Gu Tiande felt that this fire would burn on him sooner or later, so he hadn't had much contact with Shi Kui recently, and Wang Chong was like a detective, so he couldn't guard against him, so he got a new number to deal with private business.

"Brother, I want to borrow some money from you. ”

Shi Kui seemed to know about him, and said, "In half an hour, let's come to the office to meet and talk." ”

He put on a coat and didn't need a driver, he drove to Shi Kui's office by himself, and in order to hide his eyes, he deliberately parked the car a few hundred meters away from the Fortune Center, put on a mask, and came to Shi Kui's office.

Shi Kui got up to greet him, invited him to sit down, and said, "What, I heard that President Gu has been in some trouble recently?"

Gu Tiande said angrily, "Minfeng Bank is not kind, and it actually took out my customer's loan, and their new president is a little tricky." ”

Shi Kui said with a smile, "The situation has not been good recently, some corporate loans have to cross the bridge, and we don't dare to give them indiscriminately, as a result, the money lies on the account and sleeps a lot, and we have to bear high interest, and life is not easy." ”

This is also true, but Shi Kui has just gotten 40 million from the Tianma Group recently, which is equivalent to the transaction of the empty glove white wolf, and it is actually not as bad as he said.

In addition to this, they also control the MEmu financial APP with Tianma Group through an unrelated company, and now the platform has raised nearly 200 million.

After the 913 case broke out, they promptly severed their relationship with the company, and the money was scattered among thousands of accounts, some of which were targeted by the investigative authorities, and they did not dare to act rashly, and they were trying to find ways to bypass foreign exchange controls, registered a number of offshore trading companies in the Cayman and Virgin Islands, and transferred funds abroad.

In this matter, they and Tianma Group were all contacted through Zhao Xiaocheng and a mysterious person, if it weren't for the equity transaction of Donghua Bank and Qi Zhongyuan, the two would not even go to meet, both of them knew this, but no one broke it.

Gu Tiande went straight to the point, "Brother, I've been a little nervous about money recently, and my funds are a little overturned, so I want to borrow some money from you for some use." ”

"How much do you need?"

Gu Tiande said: "Three million, one month." ”

Shi Kui pondered for a moment, "Three million is not a small amount. Brother, you also know that my money cost is very high, according to the rules of the industry, it will be Qiansan. ”

He said Qiansan, referring to the daily interest rate of 3‰, three million a month, that is, 270,000 interest, converted into an adult interest rate of more than 100%, but generally use this kind of funds, are short-term loans, rarely more than a month.

Gu Tiande secretly scolded vampires in his heart, but the industry is like this, and now he has a request for others, so he had to whisper: "Brother, it's not the first time we've cooperated, how about giving a discount?"

Shi Kui smiled, "Brother, are you kidding me, brother, my money didn't fall from the sky, and you can't provide sufficient collateral guarantee now, and the business is not like this." ”

Suddenly, a thought flashed through his mind, "Unless ......"

"Unless what?"

Shi Kui leaned into Gu Tiande's ear and whispered a few words softly.

Gu Tiande's face changed greatly when he heard this, and he said: "No, absolutely not, among the thirty strict prohibitions on bank employees, we are forbidden to do business, and we are never allowed to participate in the business of pawnshops, small loan companies, and investment companies. ”

Shi Kui sneered, "President Gu, if all your is found out, I'm afraid it won't be a matter of revoking your qualifications, Donghua Prison has booked a room for you." I want to get the money, but I don't want to pay the price, where is there such a good thing in the world? Do it, or don't you do it?"

"Don't do it!"

Shi Kui smiled and said, "Then I'll show you another way, recently we will do a soybean import business, and want to use your branch to do a letter of credit trade, of course, there may be some flaws in the company's procedures, but we will pay the full amount of the certificate deposit, and we may need some help from President Gu." “

Although Gu Tiande is not smart, he also knows that eighty or ninety percent of this kind of letter of credit is a virtual international trade to transfer money abroad, which is one of the most serious money laundering crimes in financial crimes. However, this operation is highly concealed and has been one of the important means of illegal asset transfer in recent years.

Seeing that Gu Tiande didn't speak, Shi Kui asked, "How about this suggestion?"

"Not how. ”

Shi Kui laughed, "President Gu is really interesting, you came to me to borrow money, and you didn't have sufficient assets as collateral, I gave you two paths, and you didn't choose, are you here to tease me?"

"No, it's just these two things, it's too risky. ”

Shi Kui said coldly, "We make investments, you do loans, isn't it just dealing with risks, high risk has high returns, President Gu, you are thinking about it." ”

Gu Tiande came out of the wealth center, shivered by the cold wind, the sky was overcast, and the whole city was shrouded in it, like a monster, as if it was about to engulf him in it.

He pulled his neckline to block out the cold wind, put his mask back on, staggered a little, and disappeared into the street.

……

Tianma Group Meeting Room.

"Director Zhao, we are here to inform you that Donghua Kangmang Economic and Trade Co., Ltd. did not pay interest on time on a loan of 190 million yuan in our bank last month, and today has been overdue, after we understand the situation with the other party, we found that the other company has no actual operating ability, unable to repay the loan, according to the loan contract, we announce that the loan is due immediately, because your company uses the deposit of 200 million yuan deposited in our bank as a guarantee, so please fulfill your guarantee obligations. ”

Wang Chong found Zhao Xiaocheng and went straight to the point to explain the reason.

Zhao Xiaocheng listened to him quietly, and said with some confusion, "Our Baicheng New Materials Company is only the entrusted payer of Kangmang, and they can't repay the loan, so you go to them to collect it, what kind of business is it to find us?"

Wang Chong thought that Tianma Group was going to cheat, so he took out a guarantee contract from his briefcase, "This is a guarantee contract signed by Baicheng New Materials, which states that your company will deposit a deposit of 200 million yuan as a guarantee for this loan, I don't think Director Zhao will deny it, right?"

Zhao Xiaocheng said strangely, "It's weird, we saved our own money, and then lent it to us through a third party, what kind of logic is this, is it because we are sick, or is Donghua Bank having convulsions?"

Wang Chong was secretly angry in his heart, a few days ago, when he put the loan of Shunfa Aluminum, Zhao Xiaocheng shouted more than his father in front of President Wang and after President Wang like his grandson all day long, and after the loan was put in, he immediately became an uncle's face, and the most hateful thing in the world is this kind of two-faced and three-faced.

Fighting back his anger, he said, "Do you want to deny this guarantee?"

Zhao Xiaocheng sighed and said, "Mr. Wang, no, President Wang, you also know that this kind of guarantee agreement cannot be put on the table, if the CBRC knows about it, what will it think?"

At this moment, Wang Chong wanted to strangle Gu Tiande to death, and in order to complete the target, he took such a big regulatory risk and went around to lend money, and as a result, the Chengdong branch was also entangled.

Wang Chong asked, "Then what do you want?"

Zhao Xiaocheng took a confirmation letter and handed it to Wang Chong, Wang Chong glanced at it, but it was a confirmation letter sent by PricewaterhouseCoopers to the Chengdong Branch, which recorded the funds of Baicheng New Materials in Donghua Bank, of which 200 million yuan was included in the deposit project, and the business seal of the business department of the Chengdong Branch was stamped on it.

Wang Chong was shocked, how could the sales department make such an obvious mistake? Although this business was not handled by Wang Chong, he knew that the whole business was clear, and the two hundred million yuan deposited by Baicheng New Materials should be deposited into a special margin account, which should be specifically listed when making accounting entries, but on this confirmation letter, it became an ordinary deposit, although they were all deposits, but the nature was very different.

Wang Chong motioned to the other party to wait, walked out of the reception room, and called Luo Su'e of the sales department, "Which accounting entry is Baicheng New Materials in our bank's 200 million yuan deposit?"

Luo Su'e said: "It should be a deposit." ”

"What should be, yes is, no is not. ”

Due to Gu Tiande's relationship, Luo Su'e didn't buy Wang Chong, and when she heard Wang Chong's tone was not good, she was dissatisfied, "What are you yelling, I'll check it, oh, yes, margin account." ”

Wang Chong said in a deep voice, "Then why did Puhua include him in the general deposit when he sent a confirmation letter to our bank?"

Seeing that he had a posture of asking for guilt, Luo Su'e also raised her voice with Gu Tiande's support, "This is given up by President Gu, if you have the ability, you can ask President Gu!"

Wang Chong hung up the phone, called Gu Tiande again, and dialed three or four times in a row, prompting the other party to turn off the phone. He had to return to the reception room, "This is a mistake in our work, Director Zhao, what is the situation of this loan, everyone understands it, you and I both know it, you are for the report, we are for the indicators, we are here today to solve the problem." Director Zhao, let's make it clear what you want. ”

Zhao Xiaocheng smiled, "That's right, by the way, why didn't President Gu come over in person?"

Wang Chong said, "President Gu has other arrangements and entrusts me with full authority to accept this business. ”

Zhao Xiaocheng said in a low voice, "President Wang, I have a friend who has opened a company, and his funds have been a little tight recently, but there is a bit of a problem with credit reporting, so I want to borrow some money from you, I originally wanted to talk to President Gu, since you are here, this is better, please do me a favor." ”

Wang Chong suddenly realized in his heart that this was Zhao Xiaocheng playing a ghost in it, not the company behavior of Tianma Group, and most of his so-called friends had already entered the list of dishonest people and could not raise funds from other places.

Thinking of this, I felt confident in my heart, and asked lightly, "How much do you want to borrow?"

"It's not much, three or five million is enough. ”

Wang Chong laughed, "I wonder if Chairman Qi knows about this?"

Zhao Xiaocheng said: "Chairman Qi is a person who does big things, and he doesn't care about this kind of small thing, besides, people eat meat, let's drink soup......"

Wang Chong waved his hand to stop, "Don't let us go, Director Zhao, we are not all the way." ”

Zhao Xiaocheng smiled, "Yes, you Wang Chong is a high-minded person, and it is more important to see money as much as we do, brother and I are also laymen, and the family has to wait for food and drink, no better than you, brother, one person is full, the whole family is not hungry, and he is happy." ”

Wang Chong knew that this so-called friend's loan was either used by himself, or someone else owed him a sum of money, and he tried to repay it through a bank loan, and no matter what, it would eventually go into his pocket. Zhao Xiaocheng is the chief financial officer, and the financial planning of all companies under the Tianma Group requires his nod and consent, and he does not waste it, using this authority to blackmail Donghua Bank.

Wang Chong asked, "Then what if I don't agree?"

Zhao Xiaocheng said, "I want to ask President Gu if he agrees to this, do you know how to fight?"

Wang Chong had a general idea of the whole incident, and he was sure that Zhao Xiaocheng would not and would not dare to make a big deal about it.

For Donghua Bank, handling business in violation of regulations and signing a drawer agreement will inevitably be subject to regulatory sanctions, but for Tianma Group, Baicheng New Materials is a listed company, and if it is sued and involves fictitious financial statements, it will have a fatal impact on their stock price. What's more, this is Zhao Xiaocheng's private behavior?

After clarifying Zhao Xiaocheng's bottom line, Wang Chong slowly stood up, looked at him and said, "Director Zhao, I came here today to inform you, not to negotiate with you, this loan, if you can repay the interest on time, everything is easy to say, if you can't return it, I will fight to let the regulator punish me, and I will also deduct this part of the deposit." When the time comes, the matter of lawsuits and false statements will be a big fuss, I don't know how much the stock of Baicheng New Materials will be worth? I think this matter, if Qi Zhongyuan knew about it, what would he think?"