When Ma Zhongxiang saw that people were leaving, he hurriedly stopped Zhang Yongjun and couldn't let them leave, and he would have no fun if he left. So he said with a smiling face: "President Zhang, don't be in a hurry to leave, there is something to discuss, I don't think it's better to do this, let's take a step back, it's really not okay to revise the assessment report, I admit to suffer a little loss, adjust the assessment value by 10%, so that you will also explain the past above, no one will say anything." ”

In any case, they can't be let go, so they will be busy today, and he will not suffer a loss if the appraisal value is adjusted by 10%, as long as Chen Zihao is willing to sign the appraisal report, it means that he recognizes the value of these properties, and it is easy to do anything after signing it, and there is anything to discuss.

"I think this is okay, change the numbers immediately, I'm not afraid of trouble, as long as you are both satisfied." Li Yongzhen said.

"Boss Ma, this is not a common person who goes to the street to buy vegetables, but also bargains, we are a bank, what we want is the actual appraisal value, this is not negotiable, otherwise, I will not sign the report." Chen Zihao said. Isn't it fooling people to adjust the appraisal value by 10%, with the value of their appraisal, it will not be adjusted by half, so he still takes a big advantage, and he will never accept such an appraisal value.

"This doesn't work, that doesn't work, there has to be a result, then what do you say, I'll listen to your opinion." Ma Zhongxiang said. If he doesn't sign, he can't do anything, so he has to see what he wants to do.

"Since neither of us agrees, for the sake of fairness, we can entrust a qualified appraisal firm and let them take full responsibility, so that everyone will be satisfied with the result." Chen Zihao said.

"I'm in favor of this, and if you agree, we'll go to an appraisal firm tomorrow." Zhang Yongjun said.

This is the best, with a formal appraisal firm to evaluate. The evaluation report is true and valid. He also explained to Shao Yi, this is a real number, what to do and let him deal with it. With such a result. Shao Yi couldn't make a decision without authorization, so he had to leave it alone. Ma Zhongxiang's use of property to offset the loan is completely useless. Save him from always pestering him when he has nothing to do.

"We are also a formal evaluation agency, why don't you recognize it, you have to find other evaluation agencies, this is too harsh." Li Yongzhen said.

"The results of your assessment are not realistic at all, to put it bluntly, you have accepted benefits, you deliberately speak for your employer, we don't trust you at all, how can we still use you." Chen Zihao said.

"You can't talk like that. It's tarnishing my personality. Li Yongzhen said.

"You know best what's going on, and you still need us to tell you in detail." Qiu Weiqiang said.

"Boss Ma, what do you mean?" Zhang Yongjun asked.

"This?" Ma Zhongxiang didn't dare to agree. Isn't this nonsense? Does he dare to agree, if he really finds a formal appraisal firm, then it will be better for him, their appraisal and the price determined by the court will not be much worse, maybe less than now, isn't this asking for trouble for himself.

"If we don't agree, then we can't do anything. You'll have to go through the legal process and auction off your property publicly. Chen Zihao said.

"It's not too early, please make a decision quickly." Xu Feng said.

"Let me think about it again. I'll give you an answer when the time comes. Ma Zhongxiang said.

"Boss Ma, I sincerely advise you, hurry up and think about repaying the loan, don't make other ideas, because it is impossible to do it, if you are really blacklisted in the financial system and impose financial sanctions on you, it will be extremely unfavorable to your future development." After Zhang Yongjun finished speaking, he took people away.

Ma Zhongxiang and Li Yongzhen were left in the house, because Chen Zihao did not sign. This assessment is tantamount to a white evaluation. It's useless, and secretly scolding Chen Zihao is not a thing. It's really ****** tendon, why are you so unenlightened. If only it had been done. If you can still treat him badly, you will definitely give him benefits until he is satisfied. and Zhang Yongjun, I really don't know what he thinks, how can he do things like this, the president has already explained to him, and it is just a form of evaluation to evaluate, let Chen Zihao sign it, he is good, he does not understand the intention of the leader at all, but supports Chen Zihao, so that his hope is in vain.

Ma Zhongxiang's mobile phone rang, and when he saw that the number was not answered, he scolded in annoyance: "It's really their annoyance, they still come to ask for accounts at this time, Lao Tzu just has no money, see what else you can do." Then pull the number into the blacklist. In this way, the call will not come in, knowing that this is to ask for a debt, he doesn't want to pay it, and he doesn't have to talk nonsense with him.

"What would happen if I were blacklisted by the bank?" Ma Zhongxiang asked. He didn't know what the blacklist meant, Zhang Yongjun said it very harshly, could he really do anything to him. He didn't believe it, wasn't it just a blacklist, what could be the big deal.

"Don't underestimate this blacklist, once they add to the blacklist, you won't be able to do anything in the future." Li Yongzhen said.

"Will there be such a strict zhòng? Why can't you do anything, can you still use this to control me, it's a little too evil. Ma Zhongxiang said.

"Of course, if you are blacklisted for any of your bad credit behaviors, the bad credit behaviors will be recorded by the bank in your personal credit history file with the central bank. Personal credit file will follow your life, if you need to apply for a bank credit card in the future, or need a bank loan for you to buy a car and a house, or become a corporate legal person, need a bank to take out a loan for your business, the bank will go to the central bank to check your personal credit history, if it is bad, your plan will be ruined, and you will not get any financial services. Li Yongzhen said.

"Is it really that powerful? Isn't it just a personal credit file, I don't say where they will know. Ma Zhongxiang said disapprovingly.

"You don't know that a personal credit file is a credit file established by a professional independent third-party agency for enterprises or individuals." Li Yongzhen said.

It is an activity that collects and objectively records credit information in accordance with law, and provides credit reports to the outside world in accordance with law. The People's Bank of China has organized and established this nationwide unified basic database of enterprise and individual credit information, which mainly records the credit information of these enterprises and individuals in the financial field, as well as information on compliance with laws and regulations in environmental protection and other aspects. At present, banking financial institutions have taken the inquiry of enterprise and personal credit files as an indispensable part of the examination and handling of credit business. Departments such as human resources, social security, environmental protection, and quality inspection have also used the credit reporting system to provide assistance in the construction of credit and law enforcement management in their industries. At present, the information collected by personal credit files has been extended from the initial bank information to non-bank information, including loan information, credit card information, personal housing provident fund contribution information, social security information, information on whether public utility fees such as telephone, water, electricity and gas bills are paid on time, as well as public information such as civil judgments and tax arrears by courts.

"It seems that I really can't underestimate this blacklist, President Zhang didn't lie to me, at first I thought he was scaring me, meaning to let me repay the loan, what blacklist and white list, I didn't take it to heart at all." Ma Zhongxiang said.

"Of course, in your current situation, a number of loans are not good, and the amount is huge, and they are quickly added to the blacklist of the banking system, which is equivalent to being subject to financial sanctions, and you have to quickly find a way to solve the problem of loans, once you are blacklisted, you will not be able to move an inch in the future." Li Yongzhen said.

Ma Zhongxiang nodded when he heard this, he really had to find a way to settle the matter in front of him, but they didn't agree, what else could he do, he had no idea for a while.

"You give me a way to see if there's any other way to go." Ma Zhongxiang said.

"They don't agree that there is no other way, only to find a way to let them take these properties and offset all your loans, which is equivalent to recovering all the loans and eliminating the bad loan records, otherwise, there is no other way." Li Yongzhen said.

"The key is that they don't recognize it, if they really want to recognize it, it's over, I'm still in such a big hurry, these people are really hateful, that is, they can't enter the ****** horizontally, they don't get in a little oil and salt, and they really have no way to take them." Ma Zhongxiang said.

"You must know that sometimes it is complicated to say that it is complicated, it is simple to say simple, many things are man-made, you should think of opening up Chen Zihao's road, the things that have been agreed on above just need him to sign and agree, to put it bluntly, it is to borrow him Chen Zihao's three words, and other fart is used, you still don't understand this, just spend more money to plug your mouth, as long as you spend money, there is nothing that no one can do, and you can't do it with your energy." Li Yongzhen said.

"I didn't want to do this, I approached him when I sued and asked him to let me go." Ma Zhongxiang said.

"This is because you haven't spent your money in place, if you want to do things successfully, you can't be afraid of spending money, who doesn't recognize money now, as long as you spend money to the point that it is impossible not to do things for you, once and twice, until he is satisfied," Li Yongzhen said.

"The key is that Chen Zihao and I have a holiday, but Cheng Xin can't get along with me, and he won't agree at all, for this matter, I didn't move him through the relationship, which made me feel very scratched." Ma Zhongxiang said.

Now that he is completely planted under Chen Zihao's hands, he doesn't talk about it at all, and he has to beat him down completely. At this time, he regretted it very much, regretting that he was too visionary, and only cared about wearing a pair of pants with Bao Yongliang. usually didn't have a good relationship with Chen Zihao, but then again, he was just a deputy director at that time, and Bao Yongliang had the final say, so how could he speak. So I didn't take him seriously at all, let alone expect that Bao Yongliang would be on the stage, and he could become the director. It's really a person who is not as good as heaven, and he offended him invisibly, not just became the director, the first one to cut him down, sue and seize his property, and forced him to a dead end. (To be continued.) )