After a while, Liu Ming smiled and said: "Forget it, this time it is mainly to investigate the matter of Xinda, these loans are not a big problem, I will warn them verbally, I will not investigate them deeply, and I will not take them as an example." When things are played, after you find the leader to clear your work, you have to invite everyone to dinner. ”

Lin Qiang was overjoyed when he heard this, and said to the surroundings: "This must be!" ”

The surrounding auditors also smiled, but Lin Qiang could feel the secret smile behind the smile.

He also figured out what Liu Ming meant. This can be said in private, why should you say it in a grand manner? On the contrary, there is a feeling of telling the world. Lin Qiang thought back to Liu Ming's attitude in the past two days, he always took the initiative to chat with himself, and he was still in the conference room, under the noses of the dozen or so auditors.

I see......

Lin Qiang and Liu Ming smiled again.

In itself, all the auditors also knew everything, and they knew that these small flaws were discovered. If Liu Ming silently suppressed, the auditor would definitely wonder if there was any transaction between the two, or whether Liu Ming had any transaction with the bank. And Liu Ming said publicly that he would not pursue it, but it was much better. In addition, in the past two days, everyone has watched the two go from "meeting for the first time" to "meeting late", and it is logical that all this is logical.

If someone wants to give Liu Ming an injection in the Audit Office, saying that he intends to favor Lin Qiang, then naturally there will be early morning.

"Well, let's switch to the next group." Liu Ming waved his hand.

Soon, the auditor put these away and spread a few more sheets of material on the table.

After the side dishes, the main meal was finally served, and Lin Qiang already had a premonition that the time had come for him to influence the incident.

This time the materials are the approval materials of every loan of Cinda Real Estate in the Financial Street Branch over the years.

Liu Ming pointed to the materials and said: "In May 2005, 200 million yuan was loaned. November 2008, 150 million. September 2011, 200 million. And then there's the most recent one, 200 million. ”

"Hmm." Lin Qiang nodded and said to Liu Ming, "This is all the materials." ”

"I believe this, the materials are very detailed, from mortgages to corporate financial reports, everything is available, I believe you have brought all the official filings of the bank." Liu Ming spread his arms and said, "To be honest, we found that this series of non-performing loans is actually due to the perennial arrears of Cinda Real Estate and repeated loan collection. In other words, it was only after the fact that we went back and discovered the fact of Cinda's fraudulent loan according to the process and results. ”

"Now, then." Liu Ming gently pushed the auditor and asked him to get out of the way, and then pulled Lin Qiang to sit here, "Please analyze these approval materials according to the professional vision of the bank staff, starting from the first loan in 2005." If it is not known that Ludao Xinda owes money, whether the problem of the enterprise can be discovered in advance, it will be found on the spot. ”

Lin Qiang naturally excused himself: "The strictness of the Audit Commission is higher than that of our bank, according to your professional vision, how can I get an axe?" ”

"No, no, we're willing to bow down in this regard!" Liu Ming shook his head again and again and explained, "Our Audit Office conducts a post-event audit, and examines and discovers problems with a skeptical eye based on factors such as capital flows. On the contrary, your bank follows the on-the-spot approach, where you need to assess the risk and value of the company on the spot, and you need to carefully review every line of the company's financial report to predict what will happen next. I dare say that you are not as good as me in auditing, but in terms of approval, it is definitely not our strong point. ”

"I see."

Since Liu Ming has talked about this, Lin Qiang is naturally not good to push it again, and he also knows that as a representative of the bank, he must face this matter, which is also his core role in the whole incident.

He picked up the first material from 2005, the one he had seen many times.

The scene was silent, and the auditors all stopped what they were doing and looked at Lin Qiang's side, because they knew that it was not important for them to find out something innocuous by themselves; They know better that Lin Qiang's statement is likely to become an important reference material in the public prosecution. This is not only related to the degree of fault of the parties, but also related to the professionalism and reputation of Union Bank.

On the surface, Lin Qiang was looking at the materials lightly, but in fact, his eyes were simply sweeping, he had seen these materials countless times, and he had long been familiar with them. He was just thinking about how to say it, what to say it, and how to say it the safest way not to cause harm to Union Bank.

The first loan was issued by Rosa when she was the branch president, and at this time, will it make Rosa collapse?

Zhang Jiaming, Hao Wei, Qian Cai, Chen Liang, these annoying faces flashed in his mind.

After that, it was Zheng Shuai who was transferred because he didn't want to sell himself.

Of course, there is also the self who bumped into the rules of the workplace and was once exhausted.

Between himself and Rosa, it is no longer a holiday, but an enmity.

Different from the petty fights between himself and Zhu Fengshan, for the Rosa Group, he uses his opposition to lending as a lead, intertwined layer by layer. By now, she has been forced to hurt Rosa's relative Hao Wei, and she has caught the hot potato of loan fraud, which has destroyed her equity plan with Chen Liang. Maybe without knowing it, I got into trouble with something else.

It doesn't matter anymore.

At this moment, there is no possibility of compromise at all.

Lin Qiang suppressed his throat, and also suppressed the dark fire that had been accumulated for many days, and spoke silently.

"I ...... Recognize...... For...... Gauze...... Sha ......"

"Wait a minute." Liu Ming suddenly interrupted his thoughts.

"Huh?" Lin Qiang looked up puzzled.

"We must be cold-blooded animals when we engage in finance." Liu Ming said such a sentence without a head.

“……”

Liu Ming continued: "Our work is faced with financial reports, data, money, debt, options, and stock indexes. Every decision we make will determine the survival and development of the enterprise, the economic fortune of the country, and the rations on the tables of thousands of households. ”

Liu Ming lowered his head slightly, revealing his original positive expression: "People like us can only choose to be cold-blooded, we can only choose the facts, whether it is pity and sympathy, or revenge, it will ruin us and others." ”

"Lin Qiang, get cold-blooded!" Liu Ming nodded vigorously at Lin Qiang.

Liu Ming's sudden phone call seemed to be a warning that he had prepared, he wanted to tell Lin Qiang, I, Liu Ming, can do other things convenient for you, but in this matter, we must seek truth from facts.

Lin Qiang trembled and grabbed the dozen materials, staring at them.

Sometimes, hatred would tell him that it was an opportunity to crush her.

Sometimes, people around him would tell him to be careful of being taken advantage of and not to be ashamed of the ethics of a banker.

"I ...... Recognize...... For ......" Lin Qiang gasped, two emotions intertwined in his brain, and the words in his mouth stagnated at this moment.

He knew exactly what was going on with this material, and to what extent.

Follow the facts, or do you exaggerate them?

"I think ......" Lin Qiang finally threw down the material, closed his eyes, and leaned back in relief, "This material, even I, couldn't see its flaws at the time." ”

In the end, he chose the facts, which also followed one of Chen Xingyuan's core instructions.

Lin Qiang didn't see that after he said this, Liu Ming seemed to suddenly breathe a sigh of relief.

"How?" Liu Ming asked.

Lin Qiang opened his eyes again and pulled out a few key documents: "The first loan, Cinda Real Estate used 555 forged mortgage contracts to defraud the loan, according to the property valuation at that time, and the potential of the real estate industry in the future, we have every reason to lend, this is a very good customer." ”

"But these contracts are fake?" Liu Ming continued to ask.

Lin Qiang shook his head: "We are bank employees, not appraisers, and we don't have the ability to judge all the documents of each industry." If I had been the person in charge at the time, I might have visited some units and offices to determine the authenticity of these contracts, but the trouble is that I am a bank employee, not a government official, and according to the national conditions of our country, they are too lazy to check for me, and even if they agree, the efficiency will be crazy. Don't look at it as just a small verification of authenticity, this matter may take half a year. ”

"Shouldn't it be verified?"

"Of course we should, everyone wants to do a risk-free business, but we don't have time to wait for that. Real estate was a big hit at the time, and major banks rushed to lend to large-scale, land-owning companies with good relations with the land-related authorities. Although Cinda was not outstanding at that time, I believe that they must have also hyped and forged quite a lot of market illusions, in this kind of strong situation, he saw that our bank was slow to approve loans, and in most cases would turn to other banks, so that the performance of 200 million yuan was gone, even if it was a financial street branch, this was a huge order. ”

"Well......" Liu Ming said with his cheeks raised, "From the perspective of the Audit Commission, it is true that you don't have a backache when you stand and speak, and you can't slack off at all times in the face of market competition." ”

"Yes, as you just said, our bank pursues the field doctrine, and we have no chance to see the future results, we can only see the current direction with our eyes. In general, in such cases, the bank's personnel must make decisions based on the materials at hand, the basis of public opinion, and the appropriate investigation. Lin Qiang finally said, "Since Zhang Xinda has been planning a loan fraud for a long time, he must have made sufficient preparations in all aspects, as long as he finds out the banking procedures and ensures that good people, dramas and fake news are arranged in several aspects of our regular investigation, even if it is me, I am afraid I will lend him a loan." ”

"I suddenly ...... Very understanding! Liu Ming pursed his lips and sighed, "I understand what you mean, the first loan should be regarded as a normal mistake." ”

Lin Qiang spread his arms and said calmly: "Yes, it is a very reasonable mistake. ”

Liu Ming nodded, and then asked, "Then what about after that?" ”

"There's a problem with every one after that." Lin Qiang changed his words and said, "On the surface, there are a lot of financial reports and news of Cinda Real Estate, and the boss of this company has even been promoted to the Chinese Rich List, which seems to indicate that everything is thriving, but this is no longer a reason to be deceived." ”

Lin Qiang pointed to the second report and said: "The most important thing is that Cinda Real Estate often delays repayment, which is an extremely dangerous sign!" If the other party still does not repay, you need to apply for an investigation of all the financial data of the enterprise, find an authoritative authority, and thoroughly review all the information of the enterprise, especially the more than 500 mortgage contracts. ”

"Well, that's a good point." Liu Ming agreed, "It's been delayed for half a year, it's been three years, why is it still like this?" From our point of view, the money should be known to have been deceived into loans, but in order to cover up, we have to borrow more and more. ”

Liu Ming thought of this, and was suddenly surprised: "Wait...... You mean, in 2008 the money was known? But before that...... The lender to Cinda Real Estate is obviously ......"

"The second loan, I'm not sure he knowingly committed it." Lin Qiang waved his hand, "After all, Zhang Xinda was already on the wealth list at that time, and with such a large amount of performance, it is inevitable that money will be consumed by profit and relax his vigilance." As a real estate company, the capital chain is very difficult to control, and hundreds of millions of dollars often go in and out, and there is a long gap from the auction to the sale. ”

"So...... It's understandable, after all, it's only been three years, and it's too late to complete a single real estate. ”

"But the next few loans are completely unforgivable." Lin Qiang made a gesture on behalf of "eight", "It's been eight years, and Cinda Real Estate has hardly repaid the loan, and the ghost should know what's going on." ”

Liu Ming nodded affirmatively: "Hmm...... We just randomly reviewed it, and the result was caught at a glance, how could a banker who gets along with the company not realize such a big loophole? ”

"So the most reasonable speculation is that the money has only found out that it has been cheated, but it is too late, in order to make up for the mistake, it can only be filled in again, if the forced loan is pursued, it will lead to the collapse of the enterprise, then the money will not be recovered at all, the bank's bad debts will increase, the reserve will be forced to rise, and he will die. As for whether he and Rosa communicated with me or not, it's not something I can know. ”

"That's all my professional advice." Lin Qiang said everything he should have said, and he didn't say more, he got up on the table and smiled, "I hope it can help you." ”

"Of course." Liu Ming grabbed Lin Qiang's right palm tightly with both hands, "This will be an important reference for our review, and it will also be an important evidence in court in the future, if you don't know, the prosecutor will invite you to be a witness." ”

"Forget it...... Lin Qiang scratched his head again and again, "I don't want to go to the court in my life." ”

The two looked at each other and laughed loudly.

"Alright, let's clean it up." Liu Ming turned to the auditors and said, "Thanks to Director Lin's help, we completed the task ahead of schedule and prepared to call it a day." ”

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