In front of the leaders of the Associated Press, Xu Jiming elaborated on his idea of recovering the loan through legal channels.

"Why do I think I suggest that in order to recover that loan, we are going to file a lawsuit and have to go to court with the other party?" As soon as Xu Jiming's voice fell, the deputy director of the Associated Press, who was in charge of business, answered first.

Once a lawsuit is filed, the deputy director in charge of business will naturally appear in court on behalf of the Associated Press. In a social environment where awareness of the legal system is generally weak, the deputy director obviously has a natural embarrassment about going to court in a lawsuit.

"This old loan has gone through more than ten years, and now, Jiming has put forward a proposal to use legal means to collect the loan, if feasible, I think this is not only a social progress, but also a profound change in people's thinking. If you think about it, it was unthinkable that an old loan that would have become a bad debt could be recovered through legal means. If you have any questions, you can ask Jiming and let him explain to us. ”

Seeing that the matter had not yet begun, the deputy director in charge of business was full of embarrassment, and the leader of the Associated Press was very unhappy, and his statement was to set the tone for this matter, that is, to fully affirm the enthusiasm of Xu Jiming's proposal.

"Jiming, according to what you said, our association has won this lawsuit, and I guess there is no problem in winning the lawsuit. The key is that if the lawsuit is won, will the Associated Press be able to recover the loan? You know, the defendant is the sub-district office, which is the most basic level of administration that is supported by the government, and as far as I know, they sometimes struggle to pay salaries. Said the deputy director in charge of finance.

"I have dealt with the defendants a lot, and of course I know their situation, the Associated Press won the lawsuit, of course, it is impossible to immediately recover the loan from the sub-district office, if they have the money to repay the loan, why not pay it back until now? The sub-district office has no money, but they have assets in their name! Xu Jiming said.

"What assets do you have in the name of the sub-district office?"

"Jiansheng Food Factory is an asset in their name."

"These old loans seem to be owed by this factory." Deputy Director of Operations.

"Yes, the loan happened in Jiansheng Food Factory, so after the Lianshe won the lawsuit, we immediately applied to the court for enforcement and changed the property rights of Jiansheng Food Factory to the name of the Lianshe." Xu Jiming said.

"Your idea is good, but Jiming, what's the use of the Associated Press getting this property right? That doesn't mean you can get back on your loan! The deputy director of finance said.

Xu Jiming is very familiar with several deputy directors here, and his qualifications are not much different, but his age is even younger, if it weren't for these old loans that stumbled his legs, maybe Xu Jiming would have become the deputy director of the Associated Press a long time ago, so he was not so polite when he talked to several deputy directors.

"I said at the beginning that the loan will not be recovered immediately through legal channels, but after taking this measure, there is hope of recovering the loan, and even one step closer to recovering the loan, if we don't do anything, there is no hope of recovering the loan of more than one million at all."

"Jiming, do you mean that as long as we win the lawsuit and get the ownership of Jiansheng Food Factory, we have the possibility of recovering the loan?" The leader of the Associated Press deliberately asked.

"That's what I meant, Director."

"You say more specifically."

"First of all, Jiansheng Food Factory is now a contracted operation, and the contractor has to pay a contract fee every year, which is an income at your fingertips. In addition, if the association is afraid of long nights and dreams, and wants to solve the problem at one time, we can make a price and sell the Jiansheng Food Factory to the current contractor, which can realize our desire to recover the loan immediately. Ladies and gentlemen, I don't know if I made it clear? Did you understand? Xu Jiming said.

The director of the Associated Press immediately answered: "Jiming said very clearly, and I also heard it very clearly, this is a wonderful note, using Jiming's suggestion, I think our old loan will be recovered soon." ”

"Jiming, why did you only bring it up now, didn't you think of this method before?" The secretary of the Associated Press, who was sitting next to the director, did not speak, and after the director expressed his position, he asked Xu Jiming.

"Secretary, everything pays attention to timing, the time was not ripe before, I didn't think about this aspect at all, besides, the time is not right, it is useless to think about it, because at that time, if the association gets the property rights of Jiansheng Food Factory, not only will it not help to recover the loan, but the asset will also be a hot potato, which cannot be realized, and we will have to spend money to hire someone to take care of it."

"Why is that?"

"If the Associated Press held the property rights of the Jiansheng Food Factory, the factory was in a half-dead state at that time, and it was on the verge of bankruptcy, even if we wanted to sell it for cash, no one would take over."

"Is it good to sell now?" The deputy director of operations asked.

"As long as the conditions are right, I think the contractor is willing to buy the factory now."

"Jiming, how can you be so sure? What if people don't want to buy it? In our hands, it will really become a hot potato, relying on the contract fee to offset the old loan, how young is that? The deputy director of finance said.

"Oh, there is one case that I forgot to mention that before I reported my idea to the director, I first had an in-depth conversation with the current contractor of Jiansheng Food Factory, and he made it clear that he would like to buy the factory as long as the conditions are right. In addition, I also communicated with the director of the sub-district office, and at first they were reluctant to let go, so I tried both hard and soft to persuade the sub-district office to agree to solve the problem through the judicial process. Xu Jiming said.

"It seems that Jiming's suggestion is well thought out, and even the problems we didn't think of, he thought of it in advance, this kind of work attitude is commendable!" The director praised in public.

"Jiming finished the most difficult peripheral work first, and then reported his thoughts to the leaders of the unit, maybe he felt that there would be no resistance in the unit, right?" The secretary obviously said this to several deputy directors.

"The only purpose of making this suggestion is to solve the long-standing and difficult problems that the unit has not been able to deal with for many years, and I don't think there should be any resistance, maybe I think the problem is too simple." Xu Jiming's words obviously carried a sense of resentment.

The public appreciation of the top leader, the attitude of the secretary, and Xu Jiming's own unhappiness made several deputy directors feel that they did not know the current affairs, and the deputy director of business said: "Our opinions just want to clarify the problem, not any resistance, I hope Jiming can understand." In all fairness, this old loan has not been recovered, which is a big loss for the Associated Press, and now Jiming has proposed a loan collection plan, which is a good thing, we just want to understand how credible the plan is. ”

"Do you understand now? If you haven't figured it out yet, if you have any questions, hurry up and ask Jiming to continue to explain. "The director of the Associated Press is also a little impatient.

"Jiming, do you think the value of this Jiansheng Food Factory is worth the more than one million loans it owes us?" Deputy Director of Finance.

"Through the consultation, it was learned that no matter who said the two parties on this issue, the value of the factory should be determined by a third-party appraisal agency. However, I have made an estimate that if you only consider the equipment and plant of Jiansheng Food Factory, it will definitely not be worth a few dollars, but the factory has more than ten acres of land, and the situation is different. As we all know, land was not worth much many years ago, and with the continuous development of the city over the years, with the location of Jiansheng Food Factory, the price of land is no longer what it used to be. ”

"Third-party assessment, who will come forward?"

"I have also discussed this matter with the street, and we will hire an appraisal agency, and of course, the appraisal fee will also have to be paid by the association." When it comes to specific issues, Xu Jiming must tell the truth.

After a short silence, the director said: "Then let's come out, the appraisal fee is not a few dollars, as long as the loan can be recovered, this little money is nothing." ”

The top leaders have all expressed their positions, and on this issue, no one else has any objections.

In fact, in the subsequent series of procedures, not only the assessment fee, but also the litigation fee were borne by the association, which also made some people not understand, according to common sense, the losing party bears the litigation fee, but the sub-district office has a negative attitude towards this issue, and they are indeed in difficulty, and the salary cannot be paid on time, so it is really difficult for them to bear this kind of extra-budgetary cost.

In the end, the leadership team of the Associated Press unanimously agreed to adopt Xu Jiming's suggestion to collect the aged loan of Jiansheng Food Factory through legal channels. The process and results were almost the same as predicted, and the credit union got the ownership of Jiansheng Food Factory as it wished, but the value of Jiansheng Food Factory given by the third-party appraisal agency was somewhat different from the principal of the old loan, no more, no less, and the difference between the appraisal price of the food factory and the loan principal was exactly the same as the contract fee for one year.

After completing the transfer procedures with the sub-district office, the credit union could have immediately sold the Jiansheng Food Factory to the current contractor Zhou Jianping, but if it was sold at the appraisal price, because the appraisal price was tens of thousands of yuan less than the loan principal, it would be equivalent to the fact that the association failed to recover 100% of the loan principal, which made the director of the association unable to live on face, and he asked Xu Jiming to discuss what to do next.

"Jiming, if Jiansheng Food Factory is sold to the current contractor at the appraisal price, it will be tens of thousands of yuan to recover the principal of this old loan, or simply sell it to him at the price of the loan principal." The director of the Associated Press said.

"Director, everyone knows the appraisal price of Jiansheng Food Factory, if it is sold at the price of the loan principal, it is equivalent to tens of thousands of yuan from our hands, not to mention whether the contractor accepts such a price, for a financial institution as large as the credit union, it is not good to spread it!" Xu Jiming also has to consider his good brother Zhou Jianping.

"What do you say? It's another third-party assessment, another lawsuit, and so much fighting, but in the end the loan principal was not recovered, which is not good! "The director of the Associated Press takes face very seriously.

"Yes, the interests of both the association and the contractor should be taken into account."

Both of them were using their brains to figure out a way, and the director suddenly slapped the table, "Jiming, do you think this will work?" Let's let him contract for another year next year and sell it to him the year after that, what do you think? ”

"What does the director mean, charge him an extra year for the contract? Good idea, but I don't know if the contractor can agree. ”