"The key is that there is no way to compromise, not lending is equivalent to hurting the leaders above, and the bank will suffer losses if you lend money, this Wang Sufang is really, I don't know if I committed that nerve, why is it like eating bee feces, blindly interceding for Ma Zhongxiang's loan, and I have the ability to issue loans by myself, don't do this without that right. ◎," Zhang Le said.

"Needless to say, there must be benefits behind it, otherwise with her character, she would never be so lowly and begging." Gu Xihua said.

"If I would never care about such a nossy thing, why would an old lady be like this, it is better than nothing to do her job in a down-to-earth manner, and she is not afraid of people's jokes behind her back when she runs around all day long." Zhang Le said.

"Such a person doesn't even want a face, he still cares about this, I really don't know what officials think, and they are angry when they think about appointing such a person. Director Chen, my opinion is that when the leaders come to investigate tomorrow, I can clearly tell them that this loan cannot be loaned, and if they want to borrow to other places, they will really lose their relationship with us. Gu Xihua said.

"When the leader came to inspect, it was easy to say, the key is that Wang Sufang is not easy to pass, and not doing it is equivalent to refuting her face, she is now the time when the spring breeze is proud, and she must want to take revenge." Zhang Le said.

"I'm afraid of this, she used to work with us for a long time, the things in the office can be said to be clear, no one is perfect, it is impossible not to be a little wrong, it is not easy to find faults, pick bones in eggs, make something out of nothing, nitpicking, just her broken mouth, the square can be said to be flat, and the black can be said to be white. Now it's the relationship with the leader again. Don't dare to say anything. The point is that someone will listen to her, and this has to be guarded against. Gu Xihua said.

"The leader is really, I don't know which nerve is wrong, and he will reuse such a person, so that the following are not convinced." Zhang Le said.

"What can I do if I don't accept it, none of us can do anything, I hope the leader can open his eyes as soon as possible and see through her true face. Otherwise, sooner or later she will suffer. Gu Xihua said.

"There is a way that the feet are not afraid of crooked shoes, the body is not afraid of shadows, and there are no ghosts in the heart and nothing is not afraid." Chen Zihao said.

"Now is not the time, some leaders will listen to those slanders, especially people like Wang Sufang, if they offend her, they will do anything." Gu Xihua said.

In the morning, Chen Zihao received a call from Qiu Weiqiang, and they still have to buy a machine today, and it is estimated that they will be able to go back in the evening. Chen Zihao sued him. You can come back at any time, and you must pay attention to safety on the road. I just put down my phone and it rang again. Seeing that it was Wang Sufang's number, there was no need to ask if it was for Ma Zhongxiang's matter, and he was very disgusted. But there was no way, so I had to answer the phone. Wang Sufang told Chen Zihao that Ma Zhongxiang's guarantor had been found, and he was Yu Yahua, the owner of Yahua Transportation Company. In the morning, the leader went to investigate the loan, and Yu Yahua was also present, so he could implement the loan on the spot, and report the procedures as soon as the information was complete.

"We don't know this person, as long as we have the qualifications for guarantee, we will go through the formalities after verification." Chen Zihao said.

"When the time comes, you will know that he has a certain amount of financial strength, and there is absolutely no problem in guaranteeing this loan. Zihao, Ma Zhongxiang is really in urgent need of funds, and the sewage treatment equipment has been set, so don't push it back and go through the loan procedures as much as possible. Wang Sufang said and hung up the phone.

This is an order, you can borrow and you will have to lend, and if you don't lend, you will have to lend. I don't know if this guarantor has the strength, if she doesn't have the strength, she will still be injured. Chen Zihao was very irritable, and involuntarily lit a cigarette, thinking about how to deal with this matter. What Gu Xihua said last night made sense, if it was hard to fight, it would definitely not work, not only offended Wang Sufang, but also affected the relationship between him and the leader. How is this good, Chen Zihao had no idea for a while.

Zhang Yongjun and Chen Xudong came to the office, and Chen Zihao told them that Ma Zhongxiang had already found a guarantor, and it was Yu Yahua, the owner of Yahua Transportation Company, who he didn't understand, and didn't know if he had the economic strength to do further investigation, but he was also present today and could go to his company to do field investigations.

"I understand this person, he still has a certain economic strength, and he can be a guarantor, but his business is in the urban area, what is the relationship between him and Ma Zhongxiang, and why should he be a guarantor." Zhang Yongjun said.

"I don't know about that." Chen Zihao said.

But I know in my heart that this must be Wang Sufang's lead, she is now working in the sales department, and she knows Yu Yahua through the working relationship, no one in the local area is willing to guarantee Ma Zhongxiang, in order to help him get a loan, only to find a strong guarantor. This Wang Sufang really has two tricks, and he actually persuaded Yu Yahua to give Ma Zhongxiang a guarantee, but this is also good, since someone with economic strength is a guarantee, he is not afraid of not being able to repay the loan, and he can be reasonable to the top and bottom, and he can sell personal favors to her, saving him trouble in the future.

"He can be a guarantor, but we must first make it clear to him that the guarantor must fulfill the guarantee duties, and he is responsible for repaying the loan if it is not repaid when it expires, and the procedures must be complete, and both husband and wife must sign the guarantee to ensure the safety of the loan." Zhang Yongjun said.

"I agree." Chen Zihao said. Understand what he means and complete the formalities so as not to rip off in the future.

Several people came to Zhongxiang Paper Mill, Ma Zhongxiang was already waiting in the office, and Yu Yahua was also present. Chen Zihao introduced Zhang Yongjun and Chen Xudong. Ma Zhongxiang took the initiative to shake hands to welcome and introduce Yu Yahua to everyone, he was the guarantor of the loan, Zhang Yongjun nodded with a smile and began to inquire about the loan. Ma Zhongxiang said the purpose of the loan, which was used to purchase sewage treatment equipment and host renovation. Because a large amount of foreign arrears could not be recovered, resulting in a shortage of funds, this is the only way to apply for a loan from the bank. Zhang Yongjun asked for the company's assets, liabilities, profits and losses and other related statements, and Chen Xudong recorded the relevant figures. Then I came to the workshop, inspected the equipment, and found that the equipment was aging, some of which were close to the end of their life, and some of them had passed the end of their life, which was an overdue service. Zhang Yongjun felt that Ma Zhongxiang did not tell the truth, and the loan was not to buy sewage treatment equipment, but to update the equipment. In accordance with the relevant regulations, the investment in equipment should be strictly controlled, and the paper industry has always been a key national remediation and clean-up object due to large pollution, which is not within the scope of bank support.

At this time, Zhang Yongjun's mobile phone rang, and when he looked at the phone of the president Shao Yi, he came outside for the convenience of the call. Shao Yi asked about the results of the investigation for Ma Zhongxiang's loan. Zhang Yongjun told him that they were investigating, but through the investigation, they felt that the loan did not meet the regulations. Because it is an equipment investment loan, the paper industry is the country's key clean-up object, if the national policy adjustment, the loan will face losses, his opinion that this loan can not be loaned.

"I know this, but after all, it is an old enterprise, and the government departments cannot do a one-size-fits-all approach for the sake of local economic development and local protectionism, so there is still a future for development. In order to support the development of enterprises, banks do not need to care in this regard, if the mortgage ratio is insufficient, you can find economic strength of the unit entities and individuals as a guarantee, as long as the funds are not risky, we should support or support. Shao Yi said.

"I think this loan has a great risk, once the country begins to rectify the paper industry, the borrower is unable to repay the loan, and the final loss is our commercial bank, my opinion is to consider carefully." Zhang Yongjun said.

"We must have courage in our work, don't be afraid of wolves and tigers, what do we do in a commercial bank, what we do is to buy money and sell money, what do we rely on for loans, what benefits will there be, as long as we check the procedures well, I think there should be no problem." Shao Yi said.

"You mean, it's still going to take out this loan, but it's very risky." Zhang Yongjun said.

"It is impossible to do work without risks, it depends on our attitude towards work, as long as it is conducive to the development of the commercial bank, it is worth taking some risks." Shao Yi said.

Hearing Shao Yi's attitude, Zhang Yongjun had nothing to say, he was the president, and he had the final say in everything at work, even if he had different opinions, he must implement it unconditionally, otherwise he would think that he would not support his work. Zhang Yongjun called Chen Zihao and Chen Xudong over and told them Shao Yi's opinion, since the governor had agreed to issue the loan, it could only be implemented unconditionally.

"But this loan is extremely risky, and we have to think carefully." Chen Zihao said.

"I have already mentioned this to him, but he still insists on letting it go, what else can we do, not to mention that there is a guarantor to vouch for him, and it will definitely not work if he does not obey." Zhang Yongjun said.

"What about this guarantor? Does he have the financial strength? Chen Zihao asked.

"As far as I know, he opened an account in the sales department, and he still has the economic strength, but what I am worried about is that in the future, Ma Zhongxiang will really not repay the loan, and it will be very difficult to recover it, his equipment has been basically scrapped, and there is no value at all, so it is not easy to recover the loan." Zhang Yongjun said.

"I'm also thinking about this problem, not to mention that he already has a lot of loans, so we can't inject any more funds, although the guarantor seems to have some strength on the surface, but when it comes to his own interests, he will definitely not do it, we have to spend a lot of twists and turns, so the loan will be lost, and in the end it is our responsibility." Chen Zihao said.

"But the president has agreed, and we will definitely be unhappy if we don't do it, and they will have an opinion on us." Chen Xudong said.

"It's really making people scratch their heads, President Zhang, what do you say, we both listen to you." Chen Zihao said. (To be continued.) )