"Okay, Director Lin, let's start the questioning, and record the whole process."

"Wait, sorry to interrupt." Rosa smiled and raised her hand, sneering at the other side, "Lin Qiang has just been promoted to the director of the business hall, and your title can't keep up with the change." ”

Liu Ming was stunned for a moment, slightly embarrassed, and then he suddenly thought that he seemed to have missed something, according to the information at hand, Lin Qiang was just the former head of the financing department of the Financial Street Branch...... Lin Qiang's current position was not explained at all.

"It's okay to call Lin Qiang." Lin Qiang nodded at the other side.

"Oh...... It's good, Lin Qiang. Liu Ming raised his glasses awkwardly and asked, "From September 2011 to half a month ago, you have been working in the financing department of the Financial Street Branch of the United Bank, what do you know about Cinda Real Estate?" ”

The scene was silent, and Liu Ming's straightforward questioning directly pushed Lin Qiang to the tip of the knife.

Next to him is the man behind the scenes, and the leader at the branch level.

On the opposite side are the law enforcement officers of the Audit Commission.

How and to what extent this matter should be expressed is a question that needs to be thought about for a long time. Thanks to the early morning prompt last night, Lin Qiang had time to think fully.

"Lin Qiang, tell the truth." Rosa snorted at Lin Qiang, and then smiled at the other side, "This Director Lin is still very young, I haven't seen this battle, I'm sorry." ”

"It's okay." Liu Ming reminded him as if he was deliberately helping Lin Qiang, "According to what the president of the Financial Street Branch and the current team leader said, you should know the company Cinda Real Estate very well, right?" ”

Lin Qiang's heart tightened again.

At the door, Qian Cai clearly begged him to let him go.

How can I know this company very well according to his explanation?

He wished he hadn't said anything.

Without waiting for Lin Qiang to speak, Rosa first smiled and said, "Team Leader Liu, your question is too skillful, Lin Qiang obviously hasn't started to say it yet, right?" ”

"Hehe, Director Luo, this is the second time you've interrupted me, right?" Liu Ming confidently raised his glasses, looked at Rosa and said, "When our Audit Office asked, there was no obligation to let the leaders of the bank observe, and now it has been very convenient, I hope you don't get too involved." ”

Rosa frowned, leaned back in her chair, and said no more.

Lin Qiang sighed silently in his heart, is this Liu Ming still very aura, that's right.

He had made up his mind, and immediately spoke: "As Qian Cai and Nie Xiaofeng said, I have a certain understanding of Cinda Real Estate. ”

"About half a year ago, I became the leader of the third group of the financing department, and began to coordinate all the enterprises and loans that the three groups are responsible for.

"Excuse me." Liu Ming asked, "Are the results you identified still there?" ”

"It should all be in the briefcase, and I left it to the next leader of the third group before I was transferred."

Liu Ming nodded at the colleagues around him: "This note, the previous two did not explain." ”

After that, he waved his hand: "Please continue." ”

"According to my personal habits, I would divide the business into S, A, B, C, and Z ......"

Liu Ming was surprised: "C is finished, is Z?" ”

Lin Qiang nodded calmly: "Yes, if you are Z-level, it is a bomb, and you must not touch it." ”

"Funny ......" Liu Ming smiled and motioned for Lin Qiang to continue.

"S-level enterprises are high-quality enterprises that will never have any problems, either with a state-owned background, or with a strong capital and real asset base, and are the kind of enterprises that are absolutely profitable within 5 years and cannot go bankrupt within 10 years. The risk increases step by step, and to C-level enterprises, if there is no strong asset collateral, they must not be able to borrow. It's a pity that in my collation, Cinda Real Estate belongs to the Z level. ”

"Oh?" Liu Ming was obviously interested, "How to decide." ”

"This company is an old customer of the Financial Street Branch, and I have already borrowed 150 million yuan from the bank before I came to the United Bank, and then gradually pursued it, until now a total of 750 million yuan, of which the first 550 million yuan has been reached before I took over the team leader. When reviewing the loan materials, I found that Cinda Real Estate used as collateral was a mortgage contract, a total of 557 pieces, which happened occasionally without taking fixed assets as collateral, but it was like this year after year, and it reached a scale of 550 million at that time, which is really rare. So I started to research the mortgage repayment data of Cinda Real Estate, and found that there is often a gap in the middle, and each time the additional loan is completed, the first part will be repaid, which is likely to be the behavior of using the loan to repay. ”

Liu Ming affirmed: "Yes, we also found this suspicion when we reviewed the financial data of Jijing Branch. ”

Lin Qiang continued: "After that, I studied the financial statements and mortgage contracts of Cinda Real Estate in detail, found a lot of doubts, and confirmed that this enterprise is extremely dangerous. ”

"Oh?!!" Liu Ming folded his arms and asked in surprise, "Are you sure there is such a thing?" Neither of the previous two has said it! ”

"What ?!!" Lin Qiang was even more shocked, and got up excitedly and said, "Impossible! Many people in the industry know the way, and it is possible if Qian Cai doesn't admit it, but Nie Xiaofeng must know the way, and he helped me copy many materials at that time! ”

Liu Ming's eyes changed instantly, and he raised his hand and said, "Well, you say it first, we will investigate the specific matter." In the survey, such conflicts are common. ”

"Lin Qiang, don't be like this." Rosa glanced at him and said, "As we all know, you are incompatible with Qian Cai, so you won't even use the enforcement of the Audit Commission, right?" ”

Lin Qiang tightened his eyebrows and glanced at Rosa.

"Lin Qiang, go on." Governor Chen on the side did not change his face, and waved his hand at Lin Qiang.

Seeing the president's reaction, Lin Qiang also held back his anger to refute.

The president's meaning is obvious, if you want to make trouble, don't do it in front of outsiders, you will lose the face of the bank.

"Lin Qiang, go on, don't be affected by emotions." After Liu Ming's persuasion, he said to Rosa again, "Director Luo, if you interfere with the investigation like this, I will ask you to come out." ”

"Hey...... I just can't stand it, this kind of borrowing a knife to kill people...... It's chilling. Rosa's voice choked, covered her face and waved her hand, "I won't say it, you can say it." ”

Lin Qiang really saw the acting skills of God, and Hao Wei was much worse than Rosa.

"Okay, let me emphasize again, I mentioned this matter to Qian Cai very clearly, more than once, many people in the branch know about it." After Lin Qiang emphasized, he calmed down and continued, "At that time, Qian Cai said that this was a Fortune 500 company, and the boss was a frequent visitor on the wealth list, so there must be no problem." Two months later, Cinda Real Estate proposed an additional loan, and since this enterprise was maintained by our three groups, this list naturally fell on my head. I completely rejected the loan at that time, and as a branch officer, I can definitely lend better results, but I will never lend to Z-rated enterprises. Because of this incident, there was a conflict between me and Qian Cai. ”

In the meantime, Zhang Xinda also specially invited Qian Cai and me to his private collection to see the antiques he collected, and showed the expert evaluation report, claiming that this antique alone is worth billions, and it is impossible for Cinda Real Estate to repay the money. As a financier, I must be very clear that antiques cannot be used as collateral, and I still refuse to lend, and the conflict with Qian Cai has deepened. ”

After the last, Lin Qiang spread his arms: "As you can see, I am now transferred." ”

President Chen coughed his throat: "Lin Qiang, a transfer is a transfer, a contradiction is a contradiction, don't talk about it together." ”

“…… It's good. Lin Qiang nodded, President Chen belongs to a hard-line leader with a good reputation, and the backbone of the Jijing branch is strong, Lin Qiang is still more convinced of his words.

Liu Ming continued to ask: "After that, do you know about the release of this loan?" ”

"Well, someone told me that it was passed." Lin Qiang shook his head, "It's a pity, this is the last thing I want to see." ”

"Well, we understand what you're talking about." Liu Ming waved his finger and said, "There are four points, which contradict the previous two." ”

"First, you said that you and Qian only mentioned the issue of enterprise risk, but the first two did not explain this situation."

"Second, you said that you rejected the loan at that time, but according to the first two confessions, it was Qian Cai who refused at that time, on the contrary, it was you who tried your best to facilitate the loan."

"Third, Qian Cai also mentioned the matter of visiting Zhang Xinda's private collection, according to his statement, you and Zhang Xinda have a personal relationship, and the purpose of that visit was to persuade Qian Cai to approve the loan, but Qian Cai refused."

"Fourth, according to Nie Xiaofeng, when the loan was urgent, due to the urgency of time, he had just taken over the work, and Qian was not on a business trip, so he called you to ask about the situation of Cinda Real Estate, and you highly respected it, and he deliberately said that out of respect for you and trust in his former boss, he completely believed your opinion, which was a big mistake."

………………

“？？？？？？？？？” Lin Qiang was dumbfounded.

"How can you be so shameless ?!!" He got up directly, "Tell her mother to come back with money, and Lao Tzu will make it clear to him face to face!" ”

"Lin Qiang, don't get excited." President Chen also got up and said, "What a system!" ”

“……”

The conference room was completely silent, except for the sound of Lin Qiang's panting.

"Lin Qiang, don't worry, we will investigate clearly." Liu Ming closed the notebook, got up and said, "That's all for the preliminary inquiry, the investigation team will officially settle in your bank soon, and it will cause you trouble." ”

"Where, it's the result of our poor surveillance." President Chen stood up and half-bowed and apologized, "We will also seriously review internally and cooperate with the investigation." ”

After Liu Ming's assistant took off the camera, he shouted at everyone:

"Then we will go first, it should be officially settled the day after tomorrow, and it is expected to occupy this conference room for half a month."

After sending off the Audit Commission, Lin Qiang was still in an intermediate state of sluggishness and anger.

He couldn't have imagined that money could be shameless to this extent, and Nie Xiaofeng, who he obviously trusted, reversed black and white in such a blatant way, where did he get the courage? !

Rosa crossed Erlang's legs, looked at him and asked, "Xiaolin, is Zheng Shuai doing well with you?" ”

Seeing that Lin Qiang didn't answer, she stepped forward and shook her finger full of rings: "What's wrong?" Talking, stupid? ”

"Oh, seven-foot man, do you have to admit it if you do it, everyone else says so, what do you want?"

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