Xu Changwei and the comrades of the retail business department went to see the specific location of the Huaxia land, which is a prime location, and there is no problem with real estate development from the current situation, but it is just to see the development of the real estate market in the future, the market is unpredictable, once the commercial housing cannot be sold, the risk can all fall on the head of the Industrial and Commercial Bank of China, and his responsibility is heavy, not a problem that he should be the vice president.

Because Wu Haitao meant to use the name of the company's employees to apply for mortgage loans, their salary income was far from enough to repay the loan. In particular, mortgage loans are to repay a certain amount of loan principal and interest every month on a regular basis, and once the principal and interest are not repaid, the truth of the matter will be exposed. This is a large amount, and after a long time, people will see the problem, and the consequences he dare not imagine.

Xu Changwei muttered a little in his heart, carefully weighing the stakes, seeing that he was hesitant, Wu Haitao promised to give him 2 million yuan after the matter was completed, his heart moved, and Shi Liangying said softly on the side about the development prospects of this place. He gritted his teeth and decided to help Wu Haitao get these funds. He was also forced to put a handle on Wu Haitao's hand, afraid that he would turn his face and ruthlessly poke out the disc.

In the case of necessity, he finally agreed to Wu Haitao, but he asked to see the opening of the building before he could handle it, so that he had an explanation to the president, Wu Haitao did not say a word, and immediately agreed to his request, saying that there was absolutely no problem, and everything was handled according to the bank's regulations, and the matter was delayed until April. Wu Haitao's commodity building has finally opened.

In order to prevent the comrades in the bank from seeing the problem, Xu Changwei told Wu Haitao that according to the bank's mortgage loan regulations, the person who handles the mortgage loan must also have a notarial certificate and income certificate from a law firm, and the retail business department of the Industrial and Commercial Bank of China must personally investigate before he can handle the mortgage loan. Wu Haitao promised on the spot that there would be absolutely no problem with these procedures, as for other problems, he would take care of the other problems, as long as Xu Changwei signed the mortgage loan contract, he would find a way to get through some necessary links, so that Xu Changwei could rest assured that he would bear all the problems.

For the sake of insurance, no one can see the flaws. Later, Xu Changwei and the comrades of the consumer and retail department visited the site several times, and saw that the building foundation had been opened and the geographical location was good, so he agreed to Wu Haitao's mortgage loan request. His words are holy decrees, not to mention the good geographical location, there is absolutely no problem with the sale of commercial housing, and the borrower has to pay a down payment of 20%, and there is no risk to the funds. So, no one raised any objections.

After getting Xu Changwei's consent, Wu Haitao and Shi Liangying went back and forth non-stop to the retail business department of Yan Dynasty Law Firm and Industrial and Commercial Bank of China, and won their trust with rhetoric, and Ji Pengfei, the legal representative of Yan Dynasty Law Firm, was responsible for handling notarial deeds and personal income certificates, and signed a letter of intent to cooperate with Industrial and Commercial Bank of China, and the law firm charged a service fee of one million yuan, so Huaxia Construction Co., Ltd., County Industrial and Commercial Bank, and Yan Chao Law Firm reached an agreement. Huaxia Construction Co., Ltd. is responsible for handling personal ID cards and valid certificates of guarantee, and Yan Chao Law Firm is responsible for issuing legal notarial certificates and personal income certificates. ICBC is responsible for providing mortgage loans.

However, Wu Haitao and Shi Liangying falsely listed the names of the buyers, found a person in a remote place in Beijing who made and sold fake certificates for nine catties, made 200 fake ID cards at a price of 100 yuan per ID card, and engraved 30 fake official seals at a price of 300 yuan, and used these fake ID cards and fake official seals to go to the Yan Dynasty Law Firm to handle legal and effective legal documents, and then went to the Industrial and Commercial Bank of China to apply for a mortgage loan. Because they were all conspired in advance, Xu Changwei signed all these mortgage loans. 80 million yuan was legally in Wu Haitao's name.

"Did you know that these IDs were fake, why did you do this when you knew they were fake?" Zheng Wanjiang asked sternly.

"I also have no way, Wu Haitao has the CD of me and Shi Liangying** in his hand, once he pokes this matter out. My life is over, I don't want me to be ruined, and if I don't get it, I'll have to be caught. Xu Changwei said tremblingly.

"You think you're going to get away with the law if you do that." Zheng Wanjiang said.

"What can I do but last a while, after that. I was terrified all day long, for fear that someone would find out about my problem, but you still found out, and I deserved it. Xu Changwei said and shed tears of remorse.

"How did Wu Haitao get the money away?" Zheng Wanjiang asked.

"At first, I was going to put the money into Huaxia's account, but Wu Haitao didn't do it, saying that the project would start immediately and that a lot of cash was needed, and now the financial institutions are particularly strict on cash control, and most of the construction projects are cash transactions, so he asked me to find a way to solve it, so I asked Wu Haitao to do two to four mortgage loans a day, and transfer the money to a personal savings account, so that you can withdraw cash at various outlets of the Industrial and Commercial Bank of China, which will not arouse people's suspicions. It took more than a month to process these loans, and I really don't know how he used the money. Xu Changwei replied.

"Don't you know it's against the law?" Zheng Wanjiang said.

"According to the bank's regulations, the mortgage loan money is directly transferred to the developer's settlement account, which is conducive to bank supervision and management and prevents funds from being misappropriated. Wu Haitao only repaid the loan amount on time during the mortgage loan process, and did not repay a single cent of the mortgage loan principal in accordance with the agreement after the entire loan was completed. Xu Changwei replied.

"Your bank has not attracted attention internally, and such a large amount of loans will not go unnoticed." Zheng Wanjiang said.

"For this matter, I found Wu Haitao many times, and asked him to repay the mortgage loan principal as soon as possible, and he always replied that I would return it immediately, but he never cashed it out, and there was no other way. Xu Changwei said.

"The superior is so confused, and it is easy for you to be deceived? They don't have a little business common sense? Zheng Wanjiang asked.

"They want to really check, how can they not find out, with our usual methods, in the hospitality of a big fuss, according to different levels of different entertainment, we have a good benefit in recent years, some people above are very red-eyed, always in the name of inspection to us to ask for items, eat, drink and have fun, specific inspection is generally in the form of walking, because something went wrong, they are irresponsible, at most only a check is not in place. The person in charge of the loan is the president, so I grasped their mentality and did not hesitate to spend a lot of money to entertain them. Xu Changwei said.

"You're just a vice president, the president doesn't know about these things, and he doesn't have the slightest suspicion of you?" Zheng Wanjiang said.

Now the central branch is engaged in competition, and Su Ke, the president of the central branch, is competing for the position of vice president of the central branch, and there is still a mind to manage the affairs of the bank, Xu Changwei is the vice president in charge of business, and he has the final say on business matters, and he only needs to talk to him about major matters, of course, the loan procedures must meet the regulations, and he cannot be allowed to see the problem. He also just looks at some statements and the relevant procedures on the loan, as long as the procedures are qualified, what else can he say, it is impossible to check one by one, he does not have so much time, now ICBC has more surplus funds, only by increasing the intensity of marketing loans, in order to have higher profits, with profits, he is the president of the bank will also have political achievements, the best of both worlds, why not.

"In this regard, Governor Su has given me a lot of power, but our bank has lent more than 10 billion yuan a year, and what I have released is only a small amount, and the procedures are legal, he will not doubt it." Xu Changwei said.

"So you took advantage of this loophole, dared to do whatever you wanted without fear, and offered advice for Wu Haitao's fraudulent loans." Zheng Wanjiang said.

"At the beginning, I also started from a business point of view, but I didn't expect Wu Haitao to give me this hand, which made me anxious. I also had no way to easily fall for Wu Haitao. Xu Changwei said.

"I think you are lustful and obsessed, if Wu Haitao can't give up so much blood, will you do that? What else can be explained here from a business perspective. Wu Haitao grasped your perverted psychology of greed for money and lust, so that he could take advantage of it, so that he could easily cheat the loan. Zheng Wanjiang said.

"It can't be said that Wu Haitao fraudulently obtained a loan, because he must have purchased three acres of expensive land in the development zone, and the price of real estate is on the rise, which is beyond reproach. What's more, the main body of the building has already risen, and there should not be much loss. Xu Changwei said in self-defense.

"Your wishful thinking is good, we can now tell you clearly, Wu Haitao was a scam from the beginning, not counting the mortgage loan you gave him, his current debt has exceeded 300 million, and he is unable to repay it at all, in addition, he is suspected of some criminal cases, he has absconded at present, and the public security department is arresting him." Zheng Wanjiang said sternly.

"It's impossible, he has such a big asset, why should he do such a thing, if that's the case, he will make me miserable." Beads of sweat the size of beans appeared on Xu Changwei's forehead.

Because he knew that if Wu Haitao was found guilty of loan fraud, then he would not just be a problem of work mistakes, and he would spend the rest of his life in prison. It would even ......, what a terrible fact it is. Thinking of this, Xu Changwei's heart beat faster. (To be continued.) )