"Presumably for Cai Junqiang's sake." Chu Xi thought that he was not a newcomer to the workplace, so he would not be anxious about the 300,000 loans that might be risky, every bank has a tolerance for risky loans, although 300,000 yuan only accounts for a small proportion, personal assessment and bonuses will definitely be affected, but this can't be helped, it should be a long lesson.

Of course, nothing is settled yet.

In the elevator, I met a colleague from the legal department and said that we would go upstairs together to understand the situation.

As a co-borrower, Yang Meihua needs to bear joint debts. June is the natural quarterly interest payment month, and there is still more than a week to go, and the loan is due in August, so there are still a few situations that need to be clarified: Yang Meihua's willingness to repay, Cai Junqiang's property disposal before his death, and the current loan situation of other banks.

Chu Xi quickly took notes, after all, she was the host account manager for this loan, and although the co-organizer and the relevant person in charge also had unshirkable responsibilities, they were the main responsible persons when it came to accountability. She thought that Xu Yanlu said that Cai Junqiang died of illness, and it is estimated that she has to find a way to know what kind of illness he is.

If it is said... If the problem was found before the loan, wouldn't it be possible for him to deliberately defraud the loan?

She raised her own questions, and her colleagues in the legal department replied that of course, the possibility of deliberate loan fraud could not be ruled out, but this would involve a series of problems such as the account manager not doing his due diligence or investigating falsely.

The final result of the discussion is to make two preparations, Chu Xi should get in touch with Yang Meihua as soon as possible, find out her ability and willingness to repay, and of course it is best to be willing to cooperate, everyone is happy, at least for the bank's side; If she is unwilling, the legal department will cooperate with her at any time to start the prosecution of the materials; Of course, there is also a possibility that there is more than enough heart but not enough strength, and Chu Xi must also be prepared to extend the loan.

Leaving President Lu's office, Chu Xi was surprised to see Yang Meihua's missed call.

She dialed it back, and sure enough, it was also for the loan that she simply brought Cai Junqiang's illness, saying that he was diagnosed with lung cancer a year and a half ago, and a few months ago, they sold the house in their name and spent almost all the money in the family for treatment. Chu Xi was a little calmer in his heart, at least, not for the sake of healing...

Then she asked Chuxi to meet at a teahouse near the bank.

Chu Xi was stunned for a while before recognizing Yang Meihua, and the last time he saw her before the Spring Festival, it was completely earth-shaking, her body was emaciated, and her eye sockets were sunken. She said slowly that two years ago, a friend of Lao Cai wanted to set up a financing guarantee company called Hehui, and she just mentioned it and asked him if he was interested.

Chu Xi nodded in agreement. In recent years, in order to support small and micro enterprises, many banks have changed the trend of disliking the poor and loving the rich, and transformed to the development of financial services for small and micro enterprises. In order to pass on or reduce their own risks, some banks use third-party companies to guarantee borrowers. A number of guarantee companies have also emerged.

Yang Meihua continued: "Of course, civil servants are not allowed to participate, so he used his daughter's name to invest most of the family's savings and borrowed 900,000 yuan from the bank. I was strongly against it, but I couldn't resist him.

"Lao Cai has a physical examination on time every year, and his health has been fine. But it's so strange, not long after investing in this company, he began to cough and cough up phlegm, complaining about his chest tightness and shortness of breath, at first none of us paid attention to it, and when we felt that something was wrong, we were found out that this problem came.

In the last few months, all his desire to survive was stimulated, and in order to continue his life, the guarantee company withdrew its capital, and the family's old house was directly cashed out at a price far lower than the recent transaction. From Hangzhou to Shanghai and then to Beijing, as long as the doctor said that there was still a little hope, no matter how painful it was, he would try it. Things that shouldn't be touched, can't be touched, why doesn't he believe in this evil! ”

Yang Meihua's tone has always been very flat, but Chu Xi's heart is sour. Cai Junqiang is just over 50, and with the support of modern medical technology and economic conditions, it is still impossible to save his life.

She couldn't empathize, but she could think of the last time, in the game with the Grim Reaper without suspense, which was more important, the dignity of life or the dignified death?

Chu Xi has never been afraid of death, he doesn't know death, he doesn't know life. She had even thought a long time ago that if it wasn't for the flying disaster, she must die a dignified and peaceful death. But since you're still alive, you should be kind to yourself, shouldn't you?