"Let's call the guarantor over and explain the stakes to him, if he agrees, the loan can be disbursed, as for later, maybe not as strict as we imagined. ¥f," Mr. Zhang said.

"That's all it has to do now. Chen Zihao said.

I knew in my heart that Zhang Yongjun was not easy to do at this time, if he blindly insisted on it, President Shao Yi would definitely be unhappy in his heart, which would affect the relationship between the two, and he didn't expect that it would make people so embarrassed for a loan.

"Boss Yu, come out for a moment, we have something to tell you. Chen Zihao called Yu Yahua out.

"What's the matter?" asked Yu Yahua.

"Boss Yu, are you sincere in guaranteeing him?" asked Chen Zihao.

"Yes, why can't I. Yu Yahua said.

"Then why not, with your strength, there is absolutely no problem, but I want to ask, what is the relationship between you and Ma Zhongxiang?" Zhang Yongjun asked.

"I met him with Director Wang Sufang, yesterday, Wang Sufang came to me, saying that Ma Zhongxiang was in financial difficulties, and asked me to guarantee him, and said that this is just a formality, and it has nothing to do with me. Yu Yahua said.

"So you're not familiar with him?" Chen Zihao asked.

"Yes, Director Wang said that his business is running well, but he is temporarily experiencing financial difficulties, I think this person can talk and do things, and Director Wang opened his mouth, anyway, I have no responsibility, so I agreed to give him a guarantee. Yu Yahua said.

"But you know no, as a guarantor, you have to bear certain legal responsibilities, if the borrower can't repay the loan, only you have to bear it, you have to think about this carefully. Chen Zihao said.

"Director Wang and I didn't say that, but just asked me to come forward as a guarantee. The loan is not repaid and I have no responsibility. Yu Yahua said.

"Typical legal illiteracy, you are also a boss, you have been running outside for so many years, how can you not even understand such a little common sense, the national law has clear provisions, the parties in the guarantee contract stipulate that the guarantor and the debtor shall bear joint and several liability for the debt. It is a joint and several liability guarantee. If the debtor of the joint and several liability guarantee fails to perform the debt upon the expiration of the debt performance period specified in the main contract, the creditor may require the debtor to perform the debt, and may also require the guarantor to bear the guarantee liability within the scope of the guarantee. In other words, if Ma Zhongxiang has any risks, you will be responsible for repaying all the principal and interest of the loan. In the spirit of being responsible to you, it is necessary for us to make it clear to you. lest you complain that we did not make it clear to you at that time. Chen Zihao said.

"I was a little worried when they started looking for me, I was afraid of taking responsibility, so Ma Zhongxiang gave me a certificate, and I agreed to vouch for him. Look at this. Yu Yahua said and took out a certificate.

"How can this be the case, there must be a problem here. Chen Xudong said.

"Don't jump to conclusions, look at the situation. Zhang Yongjun said.

Chen Zihao took it and took a look, only to see that it was written: Proof that Ma Zhongxiang needs to apply for a loan from the bank because of a shortage of funds, and in order to improve the procedures, a guarantor is needed. I solemnly promise that the guarantor Yu Yahua has nothing to do with the loan. 1. The consequences are at the conceit. It is hereby certified. Below are the autographs and handprints of Ma Zhongxiang and Yu Yahua.

"President Zhang, look at this, it's really unexpected, there will be such a thing, you can decide what to do. Chen Zihao said and handed the certificate to Zhang Yongjun.

Zhang Yongjun frowned and said, "This is given to you by Ma Zhongxiang." ”

"Absolutely, yes. It is written clearly and clearly in black and white, Director Wang can prove it for me, I am just a fame, and the loan has nothing to do with me. Yu Yahua said.

"Xudong, take a look. Zhang Yongjun said and handed the certificate to Chen Xudong.

"It's a bit of a bad thing. Obviously fooling us, this is also a fraud, and I absolutely do not agree with the granting of this loan. Chen Xudong said.

"It's always okay to have this, I'm just in charge of the procedures, and the loan has nothing to do with me. Yu Yahua said.

"I said buddy, you are stupid, the guarantor is the guarantor, you want to use all your property as a guarantor for him, and he doesn't have you responsible for returning it, I don't understand such a simple reason. Chen Zihao said.

"I have a certificate that I am afraid of something, this is done by the people in your bank, it is impossible for Director Wang to deceive me, she is the director, how can she tell nonsense. Yu Yahua said.

"What promises she gave you. Chen Zihao said. Knowing that Wang Sufang had done something to help Ma Zhongxiang get a loan, he promised him something in private, otherwise he would not agree to be a guarantor.

"There is no promise, but she is the director, and she will not joke about this kind of thing. Yu Yahua said.

"It's incomprehensible how such a thing could happen. Chen Xudong whispered.

"Don't bother with him, it can expose what's inside. Zhang Yongjun said. Heart, whether this Wang Sufang took the wrong medicine, or did his brain get into the water. How can you do things like this, there is simply no stock, even if the relationship is good, there must be a bottom line for everything. In order to help people get loans, it is not an exaggeration to find a relationship to dredge up, and their feelings are understandable. However, we must not violate the principle, let alone make random ideas and conspire with the borrower to jointly deceive the guarantor, which is really a bit immoral, and once it is spread, it is the bank's people who let it do this, and the negative impact will be great. is also a veteran employee of the bank for many years, how can he not even understand this truth, and actually do such a childish thing.

"They are lying to you, you are a private act, not protected by the laws of the country, he can't repay the loan, you as a guarantor, you will bear joint and several liability, if you refuse to repay, we can sue you according to law." Chen Zihao said.

"But I have the certificate issued by Ma Zhongxiang in my hand, what am I afraid of, when the time comes, I have something to say, I can't care if the loan is not paid, you look for him to go. Yu Yahua said.

"You are hypocritical, deliberately exonerate yourself, from a legal point of view, you have no place to stand alone, to put it bluntly, your certificate has no effect on us, and the court will not admit it at all, and you are the one who suffers in the end. Chen Xudong said.

"No matter what promises you have made between you, but your certificate has no legal basis and is not protected by law at all, if you couple sign the guarantee, it will be legally effective, and you must bear the corresponding legal responsibility. Chen Zihao said.

In order to get a loan, he used this trick to deceive the guarantor. Yu Yahua was too heartless, how could he believe such words, thanks to telling him about the situation and asking for his opinion. If Ma Zhongxiang can't repay the loan, it will cause a lot of trouble when the guarantor is held responsible, especially with this certificate, although there is no legal basis, but it may not be possible to win a lawsuit. The loan can't be recovered, and he is the one who bears the responsibility in the end. With the character of Chong Ma Zhongxiang, the loan must not be lent to him.

"Then we have a lawsuit to fight, the court can't be unreasonable, it was some of you who instigated me to do this, no matter who it was, there was no face at that time. Yu Yahua said.

"It's a personal matter between you, and we don't have anything to say about it, but the premise is that the loan must be repaid, which is not negotiable. Chen Xudong said.

"This is true, he can't repay the loan, and I have to pay it back. Yu Yahua said.

"Of course, what is the guarantor, that is, when the guarantor cannot perform its debts, the guarantor bears the guarantee liability within the scope of its guarantee. Chen Xudong said.

"Why are we talking nonsense to you, this is also for your consideration, if you are willing to vouch, no one will stop you. However, I advise you to think carefully before signing, so as not to complain in the future that we did not make it clear. Chen Zihao said.

"Ma Zhongxiang is too unrighteous, isn't this fooling me, thinking I'm a fool, I really don't have any virtue, I don't do things like this. Yu Yahua said.

"You don't know much about his personality, and you will know it after a long time, so you can't trust others' words, and you have to have your own opinions. Chen Zihao said.

"Boss Yu, to be honest, we agreed to issue this loan only because you have a certain amount of financial strength and the ability to repay the loan. In order to ensure that personal interests are not harmed, we will ask for your opinion, and if you agree, we will go through the formalities now, and your husband and wife can sign it to take effect. Zhang Yongjun said.

"If he doesn't let me pay it back, then I won't do it, no matter how stupid I am, I won't be stupid to that point, take the money to play in the water, I don't deserve this guarantor, I'll talk to him now." Yu Yahua said and found Ma Zhongxiang.

"Boss Ma, my strength is limited, and I can't vouch for you, so you might as well ask for another master. Yu Yahua said.

"What we said yesterday was not good, why did it suddenly change the hexagram, rest assured, my family is all with this, and there is absolutely no problem in repaying the loan." Ma Zhongxiang said.

"There's really nothing I can do, so you'd better find someone else. Yu Yahua said and walked out.

"Wait, what the hell is going on. Ma Zhongxiang caught up and said.

"Brother, I have a small family and a small business, but I don't have that much ability to repay. Yu Yahua said.

"Let's discuss it again and help me get through this first. Don't worry, I will never let you do wax, and I will bear the consequences. Ma Zhongxiang said.

"This matter is not negotiable, it's not that I refute you and Director Wang's face, I really don't have that strength, you better go find someone else." Yu Yahua said and drove away. (To be continued.) )