Zhao Changfeng was relaxed today, because after a surprise audit, the audit team composed of him, Section Chief Zuo, and Lao Zhang had already ascertained that the treasury bond entrustment transaction between the fund management center and the Zhongzhou Trust and Investment Company was a false transaction. As a matter of fact, Zhonghe Zhongzhou Trust and Investment Company in the fund management center conducts a business called "designated lending" in the name of treasury bond trading.

Designated loans, also known as designated loans, are actually a folk term and do not have a formal name. The so-called "designated loan" means that the lender wants to lend money, but is limited to the bank's "deposit and loan difference" limit management, or cannot provide sufficient mortgage guarantee and other procedures, and cannot lend money. At the same time, a non-financial institution has a large amount of idle funds on its books. So the lender wants to lend money from this non-financial institution or lend money for his own use. However, since this institution or unit is not a financial institution and does not have the power to lend, it will have to face the supervision of the higher-level competent unit when lending funds privately.

At this time, the lender will contact a financial institution with the qualification to lend or lend funds, or a bank, or a trust and investment company. The lender negotiated with the financial institution, and he pulled deposits from the outside for the financial institution, and due to the increase in the amount of deposits in the financial institution, the corresponding loan amount will also increase, but this part of the increased loan amount can only be used for the loan of the lender who pulls in the deposit. In principle, if a deposit of 1 million is brought in, the loan limit of the financial institution will be increased by 700 to 800,000 yuan, and this part of the difference is called the deposit and loan difference.

For such transactions, financial institutions will generally agree. Because not only do they not take any risks, but they earn the difference in interest between the deposit and the loan.

So why don't financial institutions take risks? This is because the financial institution will sign a "Designated Loan Agreement" or "Designated Loan Agreement" with the depository unit, which is the origin of the name of the designated loan and the designated loan. In the agreement, the depository unit and the financial institution will agree that the deposit can only be used for credit to the designated unit or individual of the depository unit. In other words, the financial institution actually transfers the risk of the loan to the depositor or depositor.

So what are the benefits of depositing units taking such a big risk? In this case, the lender or lender will make an agreement with the depositor in advance, and in addition to the interest paid by the financial institution to the lender, they will have to pay a high amount of interest in private.

Despite the high interest payments, the lender also benefited from the deal. Because they can solve the capital that the business desperately needs. And with these funds, the profits they make are much higher than the high interest they pay.

The risk of this kind of transaction is that if the lender receives the loan and does not expect to achieve its goals, then it will face a loss. This is where the repayment of the loan can be problematic. What's more, the lending unit is simply engaging in fraud, using high interest rates as bait to defraud the depository unit's funds.

The topic turned back to Director Wu of the fund management center. The transaction between him and Zhongzhou Trust and Investment Company was a designated loan. However, the "Designated Loan Agreement" was signed by Director Wu personally in the name of the Fund Management Center and Zhongzhou Trust and Investment Company. This agreement is not known to anyone in the fund management center except Director Wu.

One of the reasons why Director Wu engaged in this kind of "designated lending" trick under the pretense of entrusting the transaction of buying and selling treasury bonds is that if he directly engages in "designated lending," the leaders of the Administration Bureau of Organ Affairs will absolutely not agree to it. The second reason is that the high interest paid by the lender cannot go into Director Wu's pocket. For Director Wu, since there is no hope for his career, it is the most realistic to make a big profit.

For the Audit Section, their audits are basically reported to their superiors at this point. As for finding out who the lender is who the designated loan is with the fund management center, and whether the illegal loan can be successfully recovered, it is a matter for the Discipline Inspection Commission of the bureau to find out.

Director Zhou led Zhao Changfeng and Section Chief Zuo to Director Li Enhua's office to make an emergency report. After the report, Section Chief Zuo and Zhao Changfeng left the director's office, and Director Zhou was once again left by Li Enhua. Zhao Changfeng knew from Li Enhua's grim facial expression that the overall situation of this matter had been decided. Director Wu will definitely not be able to eat and walk around!

As for whether Director Wu designated the money to Cai Daming, Zhao Changfeng didn't know. But Zhao Changfeng took advantage of this surprise audit to find out another truth, that is, Director Wu did have a close relationship with Cai Daming. Because the purchase price of the large refrigerator issued by the fund management center to the leaders above the deputy section level during the Chinese New Year was 4,000 yuan. And the ex-factory price of this refrigerator Zhao Changfeng knows clearly, and it will definitely not exceed one thousand eight.

Returning to the office of the audit department with a relaxed body, Zhao Changfeng poured a cup of tea, took a stack of newspapers, and leaned back on his seat to read it leisurely.

Suddenly, the phone on the desk rang, and Zhao Changfeng took the phone: "Hello, I'm the audit department!" ”

"Audit Department, I'm Zhao Ling'er." Ling'er's mischievous voice came from the other end of the phone.

"Haha, it's Ling'er, why did you think of calling me at this time?" Zhao Changfeng has been busy auditing this week, and he hasn't heard Ling'er's voice for a long time.

Ling'er didn't answer Zhao Changfeng's question, but said thoughtlessly: "Brother, do you have today's "Zhongzhou News" in your office? ”

Zhao Changfeng smiled: "Yes." It's right next to me! ”

Ling'er said happily: "Brother, you hurry up and open it and take a look at the fifth edition." ”

"Fifth Edition, what's wrong?" Zhao Changfeng held the phone in one hand, and slowly pulled out the "Zhongzhou Newspaper" with the other, put it on the table and flipped through it.

"Brother, have you flipped it?" Ling'er asked anxiously.

"No! It's flipping. Zhao Changfeng said with a smile: "What do you want me to see, you just tell me directly?" ”

"No, I'll let you see for yourself! Hurry up, hurry up, flip the fifth edition! Ling'er said on the phone.

"Okay, good, it's over. Yes? No way! Zhao Changfeng exclaimed: "Ling'er, did you really win the gold medal in the Olympiad?" Congratulations! ”

On the fifth page of the "Zhongzhou Daily", the eye-catching headline reads: "The 96 China Olympiad High School Mathematics Competition (Central Plains Provincial Division) has ended, and Zhao Ling'er, a senior student of the Central Plains Provincial Experimental Middle School, won the first place with a perfect score." ”

Zhao Changfeng's exclamation was half to please Ling'er, but he was really surprised, because after all, there were a few questions that were new and not in the guidance materials given by Teacher Zhou, but Ling'er did it completely right. Zhao Changfeng originally thought that it would be good for Ling'er to win a gold medal, but he didn't expect to win the first place with a full score.

"Brother, am I very powerful?" Ling'er giggled proudly on the phone.

Zhao Changfeng said with a straight face: "I can't say that you are powerful, or I teach well!" ”

"Hmph, you know how to put gold on your face!" Ling'er said dissatisfiedly: "If it weren't for my cleverness, no matter how well you taught, it would be in vain!" I don't care, you're going to invite me to dinner tonight, you're going to celebrate for me. ”

Zhao Changfeng laughed and said, "Okay, I'll celebrate for you tonight." Say, how do you want to celebrate? ”

Ling'er said: "Brother, how about I let you invite me to a big dinner first, and then accompany me to the discotheque?" ”

"Disco?" Zhao Changfeng was stunned.

"How? Also a college student! Earthen hat, right? Say, have you never been to a discotheque? Ling'er said on the phone.

"What haven't you been to? When we were in college, we used to go to the discotheque at school! ”

Zhao Changfeng was not to be outdone. In fact, when they went to college, there was no discotheque. That is, in the evening, there is a hall on the second floor of the school's student cafeteria that serves as a dance hall, and local or foreign students go in and hug each other and dance ballroom dances. Zhao Changfeng went there once, but he didn't jump off the song for three days, so he trampled the female classmate into an iron crutch. Since then, Zhao Changfeng has never been embarrassed to appear in the school's humble dance hall.

"Okay, let's talk about it. I'll go look for you after work in the afternoon! Don't be lepied! Zhao Linger giggled and hung up the phone.

After getting off work in the afternoon, Ling'er combed a mature hairstyle and came to Zhao Changfeng in a big way. Zhao Changfeng wanted to laugh when he looked at Ling'er, although the little girl's hairstyle and makeup tried to be mature, but her energetic and youthful dress betrayed her age.

Ling'er saw that Zhao Changfeng was snickering, so she asked angrily, "Brother, what are you laughing at?" Is there a problem with my dress? ”

Zhao Changfeng couldn't help but smile and said, "Ling'er, there is no problem. If I see you dressed up like this on the road, I might call you big sister. ”

"Cut, who wants to be your eldest sister? You don't want a stinky brother like you to give it for nothing. ”

Ling'er despised Zhao Changfeng for a moment, then nodded with satisfaction and said, "Well, it means that the hairstylist in the barber shop at the school gate didn't lie to me, and I really matured a lot." ”

(To be continued)