"How much? Fifteen billion? Peng Qun jumped up from the sofa, his sleepiness disappeared in an instant, and he immediately lost his dissatisfaction with Qiao Shang for disturbing his lunch break, but was surprised and puzzled, and asked loudly. [Ran^Text^Library] He knew that Takayama was bold, but he still didn't expect it to be so bold.

"The major banks in our county and Qinghe City alone have 1.5 billion yuan, and if you count the rural credit cooperatives and private financing, there may be more than that." Qiao Shangyuan's face was full of fear, and nervous sweat dripped down his cheeks with the words, but the sweat on his forehead was even more, and it seemed that he couldn't wipe it off. "It's not urgent, and I don't dare to disturb your lunch break." Qiao Shang cautiously explained.

"Tell me, what's going on?" Peng Qun said as he stared into Qiao Shang's eyes.

"That's what I know," Qiao agreed to calm down and said vaguely, "The main cause is the 'fraudulent loan' scandal of the metal trade finance in Qindao Port. The Chen brothers' Dezheng Resources and its affiliates have loans of more than 16 billion yuan in 18 banks. Gaoshan Dade Investment is an affiliated company of Dezheng Resources, although it is financially excellent, but it has a high degree of relevance and dependence on the outside world. This case has received great attention from all sides, and the Qindao City Public Security Bureau has set up a special team to investigate. The Chen brothers, the actual controllers of the 'Dezheng Department', were asked by the relevant departments to assist in the investigation, and the Dagang Branch, Dezheng Resources, Jiaxin Real Estate and other companies and some other core personnel involved in the loan fraud case have either fled or have been controlled. There are 18 Chinese-funded commercial banks involved in the 'Dezheng system' loan fraud case, and the total amount of loans has also risen from 14.7 billion yuan to more than 16 billion yuan. In addition, the amount of money involved in the other 5 banks may also be a significant amount. Since the main method of fraudulent loans is to use warehouse receipts to pledge repeatedly, the same pledge may be pledged to multiple banks, in addition to some companies under the 'Dezheng system', or more import and export enterprises and metal enterprises cooperating with Dezheng Resources and Decheng Mining are also involved. The goods involved in the case at Qindao Port have been seized by relevant departments. The reason why the 'Dezheng system' fraudulent loan succeeded was that it took advantage of the asymmetry of bank information. Bank loan officers can generally only confirm the authenticity of the warehouse receipt, but rarely go to the warehouse to see, even if they go to the scene to see, they cannot know that the goods have been pledged to other banks for financing. The fundamental reason why it is difficult to prohibit multiple mortgages is that enterprises take advantage of the back-to-back information asymmetry between banks. In fact, to a large extent, the accident of the loan fraud case was related to the Chen brothers' bribery and involvement in organized crime, and it was rumored that the boss of the Chen family had an intersection with him in oil development last year when the governor of a western province was dismissed. When the governor of the province was the chairman of the board of directors of Western Petroleum, Mr. Chen was involved in a lot of oil development and equipment supply. ”

"Having said so much, it's all about the Chen brothers, what does it have to do with us?" Peng Qun patiently listened to Qiao Shang's rambling words, and said impatiently: "How much is involved in the high mountains?" ”

"Young and old." Qiao Shang sensed Peng Qun's dissatisfaction, and hurriedly replied, "Gaoshan Dade Investment used the warehouse receipts in Qindao Port to make repeated pledges in Qinghe City and several large state-owned banks in our county, and obtained loans of nearly 1.5 billion yuan, in addition to mortgage loans in rural credit cooperatives, and there are also a lot of private financing, and I don't know the specific figures." Qiao Shang said honestly, and kept wiping the sweat from his forehead with his hands, but he couldn't finish wiping it, and he couldn't wipe it all.

"Where's the money? Where did all the money go? Peng Qun's questions were as continuous as Qiao Shang's endless beads of sweat, but he couldn't find an answer, so he could only force his eyes to look at Qiao Shang, hoping that his answer would be in Qiao Shang's endless sweat, "What does he want so much money for?" What have they done? ”

"I guess they have all been invested in real estate projects, I heard that he not only has projects and investments here in us, but also has projects in Qinghe and the province, or also has investments. In addition, these financings, especially private financing, are very costly, and it costs a lot of money to repay the principal and interest. Qiao Shang said while thinking about it, it is estimated that he doesn't know much, "Moreover, Gao Shan is addicted to gambling, and the cost of coming and going to Macau is not small."

"Don't worry about it so much, you quickly notify the presidents of several major banks, as well as Zhang Shouzheng, come to my office immediately, and resolutely can't have an accident at this time." Peng Qun gave the order eagerly, he couldn't sort out his thoughts now, and the top priority was not to have an accident, at least today and tomorrow.

What he didn't know was that Qiao Shang was as anxious as he was, and even more anxious and heartwarming than him. Because of this, after hearing about it for the first time, I came to report to Peng Qun. On the one hand, he is the director of the county party committee office, and it is his duty to report the situation in a timely manner, and more importantly, more than 3 million yuan of his own and his relatives and friends have been financed to Gao Shan, and he can't let it have an accident, which is a fatal capital.

When Gao Shan mysteriously persuaded him to let him in, he thought that Gao Shan was joking with him, at most he was just close to him, so he gave Gao Shan Company 100,000 yuan without much thought, not thinking about making money, let alone making a lot of money, one was embarrassed, and the other wanted to try. Unexpectedly, in less than a month, Gao Shan even gave him 103,000 yuan with interest, he was moved, and gave 500,000 yuan for the second time, and then more and more, and Gao Shan's payment term was very punctual, one or two days before the expiration of the term, the principal and interest were paid together, and he was never in arrears. Later, if I was troublesome, I paid the interest directly, and it was never ambiguous. For this reason, after Qiao Shang tasted the sweetness, he mobilized his sister and younger brother to also invest money to come in. As far as Qiao Shang knows, many of the heads and minds of the county party committee and government functional departments and ordinary cadres have participated, and there are quite a few of them.

The presidents of several major banks soon arrived. That is, during the Zaoxiang Festival, if it is usual, not only is it difficult to find, but also it is not easy to make an appointment, either to hold a meeting outside, or to study outside. Peng Qun knew that these gods of wealth had elements of hiding, and they were afraid that as soon as they met, they would take out loans and support local economic construction. In addition, it also means that the local government is not taken into account. But the Zaoxiang Festival is an exception, not only can not be absent from such a big event in the county, but Peng Qun asked all functional departments, especially banks, to try their best to invite the leaders of the higher-level units, so they will definitely be able to find them at this time, and just now Peng Qun also specially explained to Qiao Shang, to emphasize on the phone that it is about financing and fraudulent loans, I believe they will not pay attention to it.

The presidents of several major banks arrived one after another, and the last one to arrive was Zhang Shouzheng, panting and anxious, Peng Qun was a little unhappy, but looking at Tao Zheng who came in, he poured his anger on his head: "What are you doing here?" Running out of business? ”

"I heard Director Zhang say that he wanted to study that matter, and I also wanted to see if I could come up with any ideas." Tao Zheng hurriedly explained with a smile.

"Not for the time being, it's just to understand the situation, and it's not time to come up with ideas and find a way." Peng Qun said unceremoniously, and then aggravated his tone, "For such a big event in the county, the director of your public security bureau and the political commissar are not at the scene, what kind of appearance does it look like, and if there is an emergency, what bad impact will it cause." Peng Qun's harsh words did not have any room for maneuver. Since the last time I heard that Tao Zheng reported his work and life style to Huang Qing, I didn't like him, especially today, seeing him not leaving Huang Qing an inch, I felt disgusted, so I didn't give him a good face.

Seeing Tao Zheng leaving, Peng Qun felt a sense of revenge in his heart, and then beckoned everyone to sit down, and stared at Zhang Shouzheng viciously, with a flame of dissatisfaction in his eyes.

Zhang Shouzheng saw Peng Qun's dissatisfaction, and when he borrowed the tea, he attached it to Peng Qun's ear and said, "There is a bit of an emergency, I will report to you alone later." ”

Peng Qun nodded and acquiesced, and then said to everyone with a smile on his face: "Fellow God of Wealth, it's not easy to invite together. I just heard about it, so I quickly invited everyone to see how to deal with it, how to minimize the loss, and see who would talk about the situation first! ”

Peng Qun tried his best to relax his tone, he knew that these situations were estimated to have been known by the banks for a long time, and they may have reported to the superior banks, and the response methods have been formulated, just waiting to be implemented, but he also luckily thought that he could alleviate it and find a foolproof solution, although it was not easy, it was worth trying.

As soon as Peng Qun's words fell, everyone started talking, but Peng Qun basically understood that the four major banks of industry, agriculture, China, and construction are about the same, that is, the Bank of China has more, more than 600 million, the Agricultural Bank has less, more than 200 million, and the other two banks are basically equal, both of which are more than 300 million. Peng Qun turned his head and told Qiao Shang: "Remember all the detailed numbers clearly." Turning his head, he pretended to smile and said lightly: "Who will popularize financial knowledge for me, what is the content of this letter of credit fraud and warehouse receipt pledge, I am confused." ”

"Let me briefly introduce it to Secretary Peng", the president of the bank sat next to Peng Qun, and he took over and said: "The letter of credit is a conditional bank guarantee, which is a guarantee that the bank, that is, the issuing bank, will pay the seller or the beneficiary immediately or at some time in the future at the request and instruction of the buyer. It is mainly used in import and export trade, and has some similarities with the banker's acceptance bill used in domestic trade, all of which have certain characteristics of effectiveness and forward payment, but the conditions for the use of the letter of credit are more stringent, and the condition for the seller to get the money is to submit the documents specified in the letter of credit to the bank. For example: documents for commercial, transportation, insurance, government, and other purposes. L/C has a certain financing guarantee function, is the most common settlement method in international trade, is a relatively safe settlement method, the simplest understanding is that you can get the paper to buy things abroad. The witty of the young president did not cause everyone to laugh, and he also felt that it was not very appropriate to make such a joke at this time, so he continued softly: "Warehouse receipt pledge financing means that the applicant deposits the goods with full ownership in the bank's designated warehousing company, and pledges the warehouse receipt issued by the warehousing party in the bank. As a financing guarantee, the bank provides the applicant with short-term financing business for the operation of special trade of the same kind of commodities as the warehouse receipt based on the pledged warehouse receipt. ”

"I'll add a few words", ICBC President Liu is an old and serious person, he patiently listened to the introduction of the young Chinese baggage president, anxiously continued: "L/C generally has the characteristics of forward use, but the payment method and means can have variables, such as quality, goods, quantity, etc., can cause cancellation and change, so it is beneficial to the importer and not to the exporter, so the importer can use the difference between the delivery date and the delivery date for short-term financing, warehouse receipt pledge and repeated pledge is one aspect, Disputes over imported goods can also revoke the letter of credit or reissue the letter of credit in order to defraud the bank of duplicate credit. ”

"I'll understand what you say." Peng Qun smiled at Lao Liu and said: "Information asymmetry and malicious behavior are the key to the implementation of this kind of case, but compared to a big city like Qindao, there is not enough communication between big banks, and we are in such a big place in the plain, and you usually don't look down and don't look up, so you don't notice such a big repeated pledge and fraudulent loans, and such a big loan is not angry with each other?" ”

"We both have profit tasks, and we really don't communicate much." Lao Liu said proudly, looked around at everyone and said: "Besides, such a famous enterprise has such a high profit, who is not rushing to issue loans!" ”

"yes!" The president of the Agricultural Bank of China is a lesbian, and quickly rushed to say: "The review of real estate loans is very strict, and no one dares to rashly issue loans in the name of real estate. ”

"Yes, President Wang is absolutely right." President Xiao of CCB said quickly, "Every year, there is a deposit and loan ratio task, and the assessment is so strict, our county is not like a big city, we can issue some trust products, and there are not many enterprises with good benefits, and we can't get by without lending to such a company." Then he turned to everyone and said, "I am a straight speaker, who among you is not a person who hates the poor and loves the rich?" ”

President Xiao's words caused everyone's laughter, not that the words were funny, but that they felt that such a simple thing would trap everyone in, which was indeed a little helpless and a little ridiculous.

"What do you think the big guy should do?" The laughter loosened the atmosphere a little, which was exactly what Peng Qun wanted, and he lost no time in asking: "There must be an emergency strategy." ”

"Our family has the most, and we can't afford to wait," the president of the baggage bank hurriedly said: "In the morning, the leaders of the city bank still trained me fiercely, and it was to recover some of the losses, and I, the president, estimated that I had done it to the end." Governor Li said in frustration: "We have already sent people to Qindao for cargo preservation, and it is estimated that the value of the goods that can be executed is limited." The next step is to request the county procuratorate to seal and register Gaoshan's enterprises and assets, and go through legal procedures. ”

"That's the only way to go, how much can be saved!" President Wang of the Agricultural Bank said helplessly, faintly crying, "Who knew that something could happen to Qindao, and who knew that this side of the mountain was so hateful?" ”

The atmosphere was a little stagnant, Peng Qun hurriedly waved his hand to stop what the others were going to say, raised his voice and said: "I make a statement, the county party committee, the county government and myself, resolutely support your actions of resorting to the law and using legal weapons to protect your own rights and interests. ”

Some of the words were impassioned, and everyone was warm in their hearts, and they all looked at Peng Qun with trust, hoping to hear his following arrangements and measures.

"No, I called Director Zhang here, and the next step is to arrange how to control the relevant personnel and the investigation." Peng Qun pointed at Zhang Shouzheng and said, but quickly changed his tone, "But I hope everyone can stay calm in this matter and take care of the current overall situation." Seeing that everyone was about to be excited again, Peng Qun raised his voice, "It's not that I don't do it, it's that the Public Security Bureau quietly intervened first, and then started to act on a large scale a few days later." Now is an extraordinary period, there are so many leaders in the Zaoxiang Festival, what will be the impact once there is a disturbance, and what will be the result? Have you ever thought about it? Seeing that everyone gradually calmed down, Peng Qun said earnestly: "After the incident, everyone still has to live and work in the plains, and there is always a solution to the big things, and there is always a time to solve it, how long will it take to make a bad impact, and how much effort will it take to recover?" Have you considered this? ”

Seeing that everyone was silent, Peng Qun pretended to smile lightly and said: "Three days, everyone give me three days, I will definitely not disappoint everyone." As he spoke, he stood up, "At this stage, everyone is still trying their best to do a good job in their respective receptions, especially the reception of their respective superiors, the county's financial and human resources are limited, and there are places that are not well taken care of, please explain more and work hard." Peng Qun said and gave up his hands, humbly making a gesture to send off guests, everyone saw that there would be no result if they continued to talk, they all stood up in disappointment and walked outside, Peng Qun sent everyone to the door of the office, and then waved back to the office.

"You immediately greeted the Propaganda Department, newspapers, and television stations, warned them to talk less, and asked them to do their best to do their work. As soon as Peng Qun entered the office, he confessed to Qiao Shang, and his tone became stern, "You can tell them, if you don't talk nonsense, see how I clean him up." Whoever smashes my pot, I'll smash his bowl. ”

Qiao Shang nodded frequently when he listened, turned around and walked away quickly. The look was as if he was afraid that Peng Qun would smash his bowl if it was too late.

After watching Qiao Shang's chubby body roll out of the office like a leather ball, Peng Quncai beckoned to Zhang Shouzheng and said sternly: "You just said that you have something important to say, what is it?" ”

"The mountains are gone." Zhang Shouzheng said eagerly.

"Gone?" Peng Qun said puzzledly: "Didn't you still see him at the morning meeting?" When did it disappear? ”

"I watched him very active at the venue in the morning, and I also saw him at the banquet at the seafood hotel at noon, but when I arranged the afternoon trip just now, I couldn't find him." Zhang Shouzheng said hurriedly.

"Where can he go?" Peng Qun asked puzzledly: "I didn't look around." ”

"I've searched everywhere." Zhang Shouzheng hurriedly explained, "I searched all the places I could find, and I also asked all his staff, but I didn't see them, and his mobile phone was turned off." ”

"Is your phone off?" Peng Qun's brain felt a boom, and immediately went blank, muttering, "It's off, it's off." ”

"Could it be that he ran away?" Zhang Shouzheng said suspiciously, and then shook his head and denied: "It's not been a day since this incident in Qindao, I'm going to run early, can I wait until today?" Isn't it, isn't it ......"

"What's the matter?" Peng Qun looked directly at Zhang Shouzheng, an ominous omen crossed his mind, since Zhang Fugui disappeared inexplicably a few days ago, he felt that an invisible hand reached into the plain, invisible, intangible, and seemed to be everywhere.

"It's quietly controlled." Zhang Shouzheng said in a hurry, as if he couldn't believe it, "Who could it be?" Why didn't our Public Security Bureau get any news? ”

"You do it right away, you have to be quick, you have to know what is going on with him." Peng Qun eagerly confessed, "Mobilize all forces, you put down everything at hand first, and first understand this matter." ”

Looking at the back of Zhang Shouzheng's departure, the ominousness in Peng Qun's heart was even stronger, what happened at noon was too violent, too sudden, and one after another, which made him a little breathless, and he needed time to sort out his head, but who gave him time.

Thinking so, he raised his arm and glanced at his watch. It was almost three o'clock, and in the afternoon, I had to accompany the leaders of the Ministry of Agriculture and Vice Governor Huang to see the special agricultural project, thinking that Peng Qun slowly walked out of the office