Liao Liang saw Lin Qiang's suddenly tightly knit brows, and an uneasy mood also surged up.

"Lin Xing, is this incident related to Qu Kangping?"

Lin Qiang took a deep breath, it was not easy to say anything at this stage, so he only calmed down: "You briefly talk about the situation first, and I will understand." ”

"That's the ......" Liao Liang tried his best to calm down and introduced, "Some time ago, I have been focusing on real estate agents, and in the process I met Qu Jianping, the operator of Huixin Investment. Their company is mainly engaged in mortgage intermediary services, which is just the right match for our bank's business, and I mentioned to you at the previous meeting that half of our mortgages are contributed by this company. ”

"It is true." Lin Qiang recalled and nodded in approval.

Mortgage intermediary services are actually a bridge between banks and lenders. As we all know, there will be a lot of trouble in applying for a loan in the name of an individual, the process is relatively complicated, and the time drags on for a long time, even though the United Bank has been trying to avoid these problems, but the national policy and the CBRC regulations are still in place, and they have to go. In addition, banks do not attach much importance to small loans below one million level, and the risk assessment cost is large and the profit is small, so they can push it forward. In contrast, personal loans with intermediary guarantees undoubtedly reduce mortgage risks, and mortgage intermediary services came into being.

To a certain extent, the intermediary company itself is a large customer of the bank, usually has a certain amount of capital, and also has actual assets pledged to the bank, has a good reputation, and after gaining the trust of the bank, it can become the guarantor of retail investors, and as a guarantor, it can help retail investors obtain large loans from the bank. To put it simply, it can be understood as - the bank packages large loans wholesale to intermediaries. The principle of intermediary conduct, which banks do not intend to sell in bulk, is similar to that of wholesale and retail trade.

Including the cooperation between Longyuan business hall and Baiguagua car dealership, it is probably the same reason, because of the credit guarantee of the car dealership, the bank can lend to individuals faster and more conveniently, the car dealer can benefit from it, and the bank is more worry-free.

And the Huixin investment in Liao Liang's mouth is obviously not as upright as the white melon car dealership.

Although there is definitely trouble in Zhilu Dao, since Lin Qiang should have done something before, he naturally has to bear it. There's no point in pretending not to know at such a time. Maybe he will have the intention of pushing the responsibility before getting the money, but now he clearly knows that there is a righteous way in the world, and the damage to virtue will be rewarded sooner or later.

This is the biggest difference between him and Qian Cai, he is Lin Qiang. Lin Qiang, who believes in the right way.

Seeing that the president did not mean to shirk responsibility. Liao Liang also secretly breathed a sigh of relief. continued: "Lin Xing, you know that the main economic activity on Longyuan's side is still the real estate industry. Individuals buying and selling real estate are very frequent, as for those real estate agents...... In my opinion, it is really a bit dark, although on the surface I have a good relationship with them, but they have plucked their feathers, shopped around, played too hard, and they are all human oil. In contrast, Huixin Investment mainly relies on the intermediary service fees charged to customers to make profits, and does not ask for commissions from our bank, whether from my personal point of view or the bank's point of view, such a partner is obviously better. ”

"Well, I'll admit it." Lin Qiang gradually remembered that Liao Liang reported to his work that most of the mortgage loans of 30 million were indeed made by this company, and he immediately asked, "Does the loan process ensure compliance?" ”

"Although I haven't been in the industry for a long time, I have also strictly reviewed my qualifications, and there is no problem." Liao Liang said seriously, "Huixin Investment has mortgaged real estate to our bank, although it is not a mortgage in our branch, but it does have a mortgage, a mortgage worth 70 million, just with this mortgage, there should be no problem." ”

"It's okay......" Lin Qiang finally heard a good news, "I'll check in a while, the mortgage situation of this Huixin investment." ”

The law of loan death - one hand mortgage, one hand loan, if you don't repay the money, you will use the mortgaged things to rush. In the matter of Xinda before, the main problem just appeared in this core link, when Zhang Xinda used a forged real estate contract to mortgage, which was originally a collateral for rubbing the edge, and Rosa and Qian deliberately did not strictly review it, which gave Zhang Xinda the opportunity to be a white wolf with empty gloves. Therefore, after the bank found that something was wrong, there was no way, a pile of waste paper could not be exchanged for a penny, the account was difficult to settle, and the money had nowhere to be chased, which made the trouble irreparable.

Since Huixin has a physical mortgage, there is still a lot of room for things.

Lin Qiang then asked: "What about the specific loan process, and whether the procedures are complete." ”

"Absolutely." Liao Liang nodded, stretched out his hand and counted, "They are intermediaries, specializing in loans." All the loans were handled by Qu Kangping in person - the original ID card of the customer, yes; Power of attorney signed by the client, including; The company's real estate agency qualifications are also affiliated with 'Aijia Real Estate'. ”

"So, it's all there." Lin Qiang put his hands on the table.

In the scene foreshadowed by Qian Yan, he also said something similar, but it was not himself who was wrong, and the program was completely fine.

So, what went wrong?

"What is the total amount and the approximate number of loans?" Lin Qiang then asked.

"This ......," Liao Liang pondered for a moment, "the amount is about 20 million, 7 or 8 transactions." ”

"Did Qu Kangping do it?"

"Yes, he is the agent of all loans."

"Is there a problem with those IDs?" Lin Qiang nodded to the table and asked, "Are they all second-generation ID cards?" ”

"I saw it in person, no problem, second generation, color."

"What about the collateral for each loan?"

"Yes." Liao Liang said confidently, "Each of them is the money that is released after the warrants are put into the warehouse." I have been in the industry for a short time, I am afraid of risks, everything strictly abides by the process regulations, you can check the forest line, I will ...... I ......"

Liao Liang said, saw the basin on Lin Qiang's table, pointed to the basin and said, "I ate this basin, it's not a man in the blink of an eye!" ”

"Okay, I'm convinced!" Despite adversity, Lin Qiang also smiled strongly, it seems that Liao Liang is doing things decently, and he has not done anything that should not be done so far, and it seems that everything can be recovered.

Other warrants refer to the house ownership certificates handled by the relevant authorities with the real estate certificate. It is mostly used for mortgages, and it is impossible for the bank to collect the title deed of the person, so it usually collects the other warrants of the lender, seals them in the warehouse, and returns them on the day when the money is cleared.

Now, more than a month has passed since the incident, and I believe that the troublesome thing has not happened yet.

Then, it's time to use the second money eye, Lin Qiang turned to look at Liao Liang, and the sky was surging.

[Liao Liang. Fortune fell 2. After 37 days. 】

Not surprisingly, even in Liao Liang's future life, the protagonist is still Lin Qiang himself.

"Lin Xing!" Liao Liang sat in the same position as he was now, and persuaded hard. "This month, the branch mainly promotes loan business. Both performance and bonuses are doubled. Huixin's ten big orders, but the most important thing!! ”

"One hand to hand over the warrants, the other hand to lend. That's not to say. Lin Qiang in the scene was also very entangled, "These tens of millions ...... Of course it is important, but lending without warrants is not compliant, it is equivalent to no collateral. ”

"I've inquired, this business can be done in a different way." Liao Liang persuaded, "Didn't Huixin have a 70 million property mortgaged to us?" Move these scattered mortgages to that for a while, you can force the process to go through, and when the other warrants over there are done, we can make up for them. ”

"How long will it take, it's just a warrant," Lin Qiang asked with a frown......

"Why is it going to drag on for this month, we all know the efficiency of state organs." Liao Liang clenched his fists and said, "President Lin, if we can increase the loan performance of tens of millions of dollars this month, it is equivalent to several times for our branch, and after this village, there will be no such price!" ”

"I'll think about it again...... Lin Qiang put his hands on his head and asked with a grim face, "How much is the total amount of these ten loans." ”

"48.2 million." Liao Liang was ruthless and continued to persuade, "There is still a lot of room for the 70 million real estate mortgaged to us by Huixin, if something really happens, we have nothing to fear." ”

"It's a small 50 million...... Lin Qiang clenched his fists and said, "Even if it is a traditional large branch, it is difficult to have such a big performance in a month." ”

"Yes, Lin Xing!" Liao Liang saw the opportunity and said, "At the end of last year, our Jijing branch overfulfilled the deposit task, although we won a huge loan amount this year, but also paid a lot of price for it, now is the time to rush the loan out of the way, quickly turn losses into profits, we Longyuan can make a big order at this time, it is definitely a charcoal in the snow." ”

"Besides." Liao Liang said, lowering his voice and saying, "I heard about it...... You and your girlfriend are starting to prepare for marriage, Lin Xing, you are going to buy a second house, Lin Xing, you are a decent person, and this time you are also looking at a mansion, you will definitely not be ambiguous about your fiancée...... Heard...... Then the house costs 1.5 million for a down payment alone? ”

Lin Qiang was slightly moved: "Yes...... No, it's worse than buying it for your parents......"

"The loan performance of 50 million yuan can also solve your urgent needs personally...... Liao Liang finally used a big killer weapon, "Didn't President Huang say that the branch has prepared a special bonus to reward the branch president who ranks among the top loans this month......"

Boom!!!

Lin Qiang finally slapped his palm on the table and finalized the matter.

"Damn, how many times can life be beaten, Huixin has a mortgage of 70 million, it's done!" Lin Qiang's heart is horizontal, for the branch, for himself, for the family, fight.

The scene returns to the here and now.

Lin Qiang, who had seen this scene, was full of fear.

That self is really eager for quick success, and the desire for profit is consumed.

Marriage, family affairs, and official affairs, under the triple pressure, such a choice was made.

"Lin Xing? It's all right, is it? Liao Liang shook his hand and asked, "Can you ask what the people in the branch said, why should you pay special attention to Qu Kangping?" ”

"Ahem...... This one. Lin Qiang coughed and took his heart back, "It's just that this company has been doing too much business too much and too dense recently, and the people who audit the branch told me to be careful." ”

"Hi...... Scared the hell out of me. Liao Liang breathed a long sigh of relief, clutched his chest and sighed, "I thought it was ...... I was cheated out of a loan, grandma's ...... Lin Xing, don't worry, since you have reminded me, I will definitely keep an eye on it later. ”

"Hmm." Lin Qiang nodded blankly and ordered, "That Qu Kangping, you ask him out, I want to meet him." ”

"No problem, I'll call now." Liao Liang agreed, dialed the phone, made an appointment with the other party, and after the politeness, Chong Lin Qiang made an OK gesture, "Boss Qu is very enthusiastic, and I want to see you very much, it's 10 o'clock tomorrow morning, he will come over." Is that possible? ”

"No problem."

Putting down the phone, Liao Liang was much more relaxed: "Then Lin Xing, is there anything else?" ”

"It's not for the time being, you can go and get busy."

"Okay." Liao Liang got up, and was just about to leave, when he paused again, turned his head and pointed to the basin on the table, and said with an embarrassed smile, "Lin Xing, this thing ...... Do you want me to take it out? When I see it, I want to eat it. ”

"Ha Lu Ha." Lin Qiang laughed dryly. "Good work."

After Liao Liang left, Lin Qiang sat on the chair and thought for a long time.

Now it seems that it only takes 37 days to not agree to Liao Liang, and there will be no big problem in sticking to the bottom line.

But this thing. There are still doubts and risks.

Liao Liang's matter. Happened 37 days later. And his transfer was carried out after 46 days, and the gap between them was too short, even if it was risky. It is difficult for the incident to happen in such a short period of time, not to mention that Huixin has a mortgage of 70 million in the bank.

Maybe in the middle, there's more to it?

Lin Qiang wanted to think about that basin of water now, and he wanted to plunge into it again to calm down.

Qiankun's use today has reached its limit, and there is nothing more to explore about Liao Liang and Xiao Donghai, as for Qu Kangping, I will only see him tomorrow.

But if you don't figure this out, I'm afraid I won't be able to sleep this night.

"Nope." Lin Qiang picked up the phone, first dialed Qian Bo's number, and was polite after connecting.

"Lin Qiang, if you have something to say, we don't need to have so many greetings between us." Qian Bo understands very well, and knows that Lin Qiang will not call without incident.

Lin Qiang said with a smile: "Brother Bo, now the branches are all new teams, I don't know a few people at all, and I can only look for you if I want to do something." ”

"Oh, do you want to have something to say, hurry up, you have to have a meeting." Qian Bo was unceremonious, and he had already regarded Lin Qiang as his own person.

"That's right, I want to check the mortgage that a company has given to our bank."

"Oh?" Qian Boleng paused, "Do you check openly, or do you check secretly?" ”

He didn't ask too much about the details, but just wanted to know whether this matter could see the light, which affected his specific way of doing things.

"It's all good, how fast and how to come." Lin Qiang said helplessly, "I am always not at ease when this company handles loans with us, although I am sure that he has something to mortgage in our bank, I am not at ease, I want to actually take a look." ”

"Oh, that's easy." Qian Bo responded, "You send the enterprise information over, and I will find someone to review it, as soon as possible." ”

"Thank you, Brother Bo!" Lin Qiang said with a smile, "This kind of trivial matter, I should find it for review myself, but I can't help it, I'm in a hurry, Brother Bo, you have a bigger face than me." ”

"How many times have you said it, don't talk so much nonsense!" Qian Bo smiled, "Let's talk after the next regular meeting, I'll have a meeting later." ”

"Let's talk about it again."

Lin Qiang put down the phone, got up and went out, and told Lin Xiaozao to find Liao Liang's information about Huixin, and quickly send it to Qian Bo. Then he went back to the office, all his thoughts were still haunted by the incident, and he couldn't bear it, so he dialed the phone of his chef again.

Lin Qiang, who was troubled, seemed to be easy for people to notice the abnormality, and after a few polite words with Hu Xiao, Hu Xiao also said bluntly: "Lin Qiang, you have nothing to do, right?" ”

"What's wrong? Something is wrong. ”

"I usually talk to you, and I will get into the topic in three or two sentences." Hu Xiao wondered, "This time I asked my sister and my mother again, have you changed to a bad woman?" ”

"Huh." Lin Qiang smiled helplessly, "No, there is something wrong, and I should owe you food again." ”

"What should I ......" Hu Xiao paused, and Da Lu smiled, "I understand, check my girlfriend's opening record?" ”

"That's not it." Lin Qiang said with a smile, "My girlfriend is a reporter, and it is not an exaggeration to open a room every day. ”

"I'm telling you, even if it's a journalist......"

"Come on! Let's talk about girlfriend next time! Let's get down to business! Lin Qiang interrupted Hu Xiao, told him about Huixin, and asked, "If it's inconvenient to check Huixin, it's okay to help me check Qu Kangping." ”

"Do you have an ID number?"

"It's harder."

"No way, I'll do my best." Hu Xiao mentioned, "We can only check the basic information here, criminal records, house opening records, Internet café computer records or something, if it is a business matter, I advise you to find friends in business and commerce." ”

"Friends of Business ......"

"The Ministry of Industry and Information Technology is fine, but it is also okay to pay taxes." Hu Xiao helped Lin Qiang ponder, "Anyway, I really can't help with the enterprise information, and the old men of the Economic Investigation Bureau are on top, so they won't pay attention to this kind of thing." ”

"I really don't know anyone about this." Lin Qiang thought about it, and was suddenly stunned, then he remembered that he still had super thighs, "I think of one!" Waiting for your news! Let's talk another day! ”

"I'll just say, you must know something! You owe me two more meals! ”

"It's up to you!"

After that, Lin Qiang naturally contacted Ling Chen again to ask for his help.

Ling Chen has been suffering from not having the opportunity to repay Lin Qiang's kindness, and now even if he agrees a hundred, he immediately orders someone to do it, vowing to find out all the things about this enterprise, even if there is a dime problem with an invoice.

Putting down the phone, Lin Qiang couldn't help but feel emotional.

The righteous path has been walking for so long, and it has not been in vain, and when I am in trouble, many friends are still willing to help.

This time, in a prescient situation, he has used the leaders of the industry, the police personnel, and the well-known BOSS of the Audit Commission to settle the matter.

This lineup, the big thing can be flattened, right?

The current Lin Qiang has completely entered the state of people blocking and killing Buddhas and blocking and killing Buddhas, no matter what Qu Kangping Xiao Donghai is, even if it is Huang Guangyao and Chen Xingyuan in front of him, he will do it, whoever wants to abolish Lao Tzu, Lao Tzu will fight with his life, and he will abolish you first.

The three people went all out, and Lin Qiang finally breathed a sigh of relief.

Soon after, Wei Hang came to report on the progress of the work, but Lin Qiang did not break his promise and called Yue Qianli into the office at the same time.

The so-called backbone in the back of the head is to be reversed sooner or later, think about it, Wei Hang was not reused under his own hands at first, isn't it because of this that he switched to perfection? And now, he who specializes in micro-messaging should be honest and sweet and moisturizing, and why did he go to Xiao Donghai.

The answer to this question has already been speculated by Lin Qiang.

Looking at Wei Hang now, he is still not happy or angry, he just wants to squeeze out the surplus value of this person, if you want to rebel, I will give you the opportunity to rebel, so that you can be happy.

Thinking about Wei Yan of the Three Kingdoms, when he acted after the prime minister returned to heaven, he was extremely arrogant, and shouted three times "Who dares to kill me", he never imagined that someone behind him would use a knife. (To be continued......)