Chapter 253: Loan Fraud
It is quite normal for a bank customer to invite the branch president and the examiner to dinner for a loan.
After lobbying by the account manager, it was directly arranged in a club, and several people knew what this dinner was for? A few glasses of wine, a brother, a few yellow jokes, the atmosphere suddenly became warm.
The account manager praised Tian Han and his company, Tian Han's company is also a long-established manufacturing enterprise, and before Tian Han took over, he also had loan dealings with this bank. This is the amount of loans that were relatively small in the past, and one or two million will reach the top. All of them will be repaid on time when they are due, and this time Tian Han directly opened his mouth and asked for a loan of 300 million, which made the original examiners and the president suspicious and worried.
Tian Han even blew his company to the top, he said that this year, several large customer orders have doubled, in order to expand the production line, had to borrow from the bank. He even promised that as long as the loan arrived, he would be the first to help the bank with the deposit task every month.
Moreover, he also provides the pledge of accounts receivable, all accounts receivable have contracts and invoices, and the outbound list can be all shown to the examiner.
It seems that gold has fallen from the sky, but the president and examiner of the bank are not stupid, and after so many years of doing credit, don't you know what is wrong with it?
So the wine was drunk, and the brother shouted, but he didn't agree.
Tian Han was anxious, Mr. Ming's words lingered in his ears, and his first performance as a legal representative depended on this loan.
The tyrannical factor in his body was about to move, and he really wanted to wave his hand and press the heads of these people on the table.
He poured down another glass of wine and suppressed the impulse in his heart: "Come on, let's have two more drinks, and then go to another private room for a while, relax, drink, sing, and play games." “
These were all routine actions, and the president and the examiner didn't find anything unusual, so they went to another private room.
Tian Han directly equipped one of them with a young lady, and then sang, drank and boxed, and a few people had fun.
Tian Han looked at the faces of the people in the bank, and while they were not paying attention, he threw two strong aphrodisiacs into the wine jug, and gradually everyone was dazzled and lost their nature.
Tian Han walked out of the private room, put a layer of enchantment at the door, and then blatantly took his mobile phone to record this dirty scene.
After doing all this, Tian Han's face showed coldness, and he knew that this loan had no way to run.
After tossing all night, Tian Han cleaned up the scene and dressed everyone neatly, and when a few people were completely sober, they found that they had a splitting headache and felt as if they had done something, but they couldn't say it clearly.
Tian Han politely sent a few people home, preparing for the following actions.
"Tian Han, your project has passed the review today, but I think they still seem to be a little hesitant, you have to be mentally prepared." The account manager called Tian Han early in the morning and gave him a preventive injection.
Tian Han knew that it was today, and he sent the edited video to the censor and the president respectively. Examiners and presidents who are listening to the debriefing on the spot. As soon as I opened the video file, my hand shook in fright, I quickly pressed mute, left the meeting site with my front and back feet, opened the video in my office in fright, and collapsed directly on the seat after watching it.
Tian Han also added a sentence: Today's loan review will ask for a lot of help.
Back at the meeting, the two of them didn't have the heart to listen anymore, there seemed to be nails poking on the stool, and the PPT on the big screen seemed to be the video of their fight that night.
The original intention of directly vetoing Tian Han's project at the pending review meeting was also dispelled, and the examiner and the president unanimously said that the materials for the due diligence were incomplete, and they would come to the second meeting after supplementing the materials.
When the president returned to the office, he sent a WeChat message to Tian Han with a trembling voice: "What do you want?" “
Tian Han replied directly, that is, to ask the leader for help, there was no other meaning.
The governor was so angry that he threw away his phone all at once.
The censor's reaction was different, he directly threatened Tian Han, if you dare to release this video, I will dare to make your company unable to get this loan.
Tian Han couldn't help sneering, it seems that this guy doesn't shed tears when he doesn't see the coffin.
That night, Tian Han disguised himself and stood at the door of the bank, and waited until late to see the examiner walk out of the bank, Tian Han followed him directly, only to see him pass through a small alley, there was no one around, Tian Han immediately went forward and blocked it.
The censor was caught off guard and a black shadow appeared in front of him, and only a pair of black eyes were left in the whole body, but they were surprisingly bright in the dark.
He was startled, quickly took a step back, and grabbed the bag in his hand: "What do you want to do?" “
"I heard that a company's loan was recently approved by you, but it has not been approved for a long time, I was entrusted by someone to ask what is the reason?" Tian Han's voice was cold and hoarse, like ground glass in summer, and the examiners who listened to it were furious.
The eyes gleamed with menace, and a hint of fear rose from the soles of his feet.
"I don't have the final say on the approval of the matter, it is a unified decision in the industry, how can this company be approved if it does not meet his conditions?" The examiner emboldened himself in his heart and retorted with a straight neck.
"Are you coaxing a three-year-old? I know who has the final say in the bank's approval of the loan. You're also an old examiner, and you have a certain amount of weight in your words, and my client said that you will definitely be able to think of a way. The benefits will not be less yours, but if this matter is not done......" Tian Han's hand gently swiped to the side, and with a click, a branch on a small tree snapped.
The censor shrank his neck, fearing that the branch would hit him, but he still believed that no one would use such indiscriminate methods in a society governed by the rule of law, and he continued to shout boldly: "You are breaking the law, and you will be arrested and sentenced." ”
Tian Han sneered: "You go to sue, and, do you really think that video doesn't exist?" Whether the consequences are serious or not, you can try. After saying that, he directly picked up the examiner and ran to a nearby building.
The examiner was carried by him like a chicken, and he was horrified, he had 140 pounds, how could he carry it in this person's hand as if he were nothing.
Tian Han led the examiner straight up the stairs, which was a six-story old-fashioned residential building with a large platform on the roof, and Tian Han pushed the examiner to the railing on the roof, pressed his head and pushed it down.
The blood in the examiner's head was instantly filled, and he was so frightened that he waved his limbs, and Tian Han's moment just now made him feel that he really wanted to push him down, and instantly felt that death was so close to him.
He screamed in horror, this is only to hear Tian Han say: "There are always some people in this world that you can't afford to mess with, today is just a warning to you, I still say the same thing, as long as you cooperate to put down this loan, you will not be given a penny, but if you can't do it, an accidental misstep will be the news headlines of the next day." ”
After speaking, Tian Han turned around and left, while the examiner sat on the rooftop, unable to recover for a long time.
In this way, at the second meeting, the examiner and the president of the caliber are the same, in the pending meeting are considered to be a good project, to support the growth of the entity, and the national policy is in line with the authenticity of the accounts receivable have been inspected on the spot, there are not too many problems, at the same time they also randomly selected a sum to hit the bank's account, in general, the risk is controllable, although there are other reviews have opinions, but in the end it is more than half of the votes, and the loan was successfully approved.
Tian Han looked at the approval opinions intercepted by the examiner, and his heart blossomed, it seems that he is a stable legal representative, and the first business will be completed soon.
"Yanran, Tian Han's company has recently been borrowing money from banks." Xiao Liu told Yan Ran the information he had gathered.
"Did you find out how much he applied for a loan?"
"He applied for 300 million yuan, and there is a pledge of accounts receivable, which seems to have been approved."
"I've seen the situation of his company, there are no assets, and the plant is not valuable, so it can be approved?" Yan Ran didn't want to jump to the conclusion directly: "There must be something greasy in this." ”
All of this is in Yanran's control, originally Huo Gang gave Tian Han to Yanran's list, and as soon as there was a stir, Yanran listed him in the map, and Tian Han was already targeted on the first day he became the legal representative.
"Yanran, there are nine cultivators at the same time, and they have also become the legal representatives of other companies, you see if you must follow them."
Yan Ran's sensitive nerves immediately guessed the reason: "It seems that they are preparing to repeat the old trick, Yue Tian's set was broken by me before, and now they want to take this road again, the previous two lines are broken, and now we are just sent new evidence, Xiaoliu, send someone to stare them to death, especially the bank and the examiner who gave them loans, as long as they find that they have any movement together, report it to me immediately, I believe it will definitely show its feet." ”
Xiao Liu took the order and left.
Now Yanran will come to her office every day as long as she doesn't have classes, and she shouldn't see Ye Xuanfei's harassment of her at school, she has more important things to do.
She is quite calm now, Xiao Liu once asked him why he didn't fight directly with the Eastern Family?
Yanran's answer was: "What's the use of a rush?" It is a matter of time before their spiritual power is removed, they have now formed a huge system, and hundreds of employees can shake it three times with a stomp of their feet, and now what she has to do is to bring down this behemoth and save the entire cultivation world, now our wings are not yet full, and rash action will only startle the snake. ”
After coming to the office today, Yanran has been thinking about the next plan, some plans still need to be carefully polished, she poured a cup of tea, walked to the window, and took a sip.
Yanran's gaze sank, and then she was attracted by the group of people downstairs, a banner and a balloon fluttering in the air, with a few big words on it, "Qiao Xiao Fan Meeting".
The surrounding road, which was originally very spacious, has been surrounded at this time, and several life-size portraits of Qiao Xiao are placed at the gate of the office building, and at this time, countless girls are crowded because they want to take pictures with this portrait, and the scene is chaotic.