It's unlikely.

The two did have an unpleasant time, and this is true.

But that's all because of work. At least in Li Ji's heart, there is no personal grudge. If it's because of such trivial things, don't think about it, and you will repay it, then Cui Hao is really a chicken belly, and he is not worthy of being a leader.

Moreover, after Cui Hao came to the credit department, Li Ji has always respected him, and on the surface, he is even more amiable, and outsiders can't see anything wrong between the two at all.

Besides, everyone in the industry knows the relationship between Li Ji and Wan Cheng. If you don't look at the face of the monk and look at the face of the Buddha, Cui Hao shouldn't be too much. Besides, Li Ji knows that Cui Hao and Wan Cheng have been very close in the past two years, and they have already called each other brothers.

Li Ji is busy with work, and Wan Cheng is looking for him to do things, he also has a business-like attitude, and he neither gives in nor is willing to accommodate in general principles. After a long time, Wan Cheng was also a little unhappy, and the number of times he looked for Li Ji gradually decreased.

After Cui Hao came to the credit department, he somehow got in touch with Wancheng. The two got closer and closer, and their interactions became closer and more frequent. In contrast, Wan Cheng seemed a little estranged from Li Ji.

Marriott Group is a big customer in the industry, VIP, Cui Hao's approach is beyond reproach.

But what Li Ji couldn't figure out was, where did this guarantee document come from? Who's from whom? Why make yourself a guarantor? stamped his own personal seal, but he didn't let himself know beforehand.

Li Ji thought about it, and forgot to chew half of the fritters in his mouth.

"Jingle bells! Jingle bells! Jingle bells! ”

The cell phone on the desk rang. Li Ji was stunned and hurriedly grabbed it. At first glance, it was Liao Ying, who was busy answering.

"Are you feeling better? Have you had breakfast? ”

"I, okay, it's okay......" Li Ji swallowed half of the fritters vigorously.

"Well, that's good." Liao Ying's voice was soft, "I'm going to class." ”

"Uh-huh, uh-huh......" Li Ji was choked and rolled in his throat, and after two hums, Liao Ying had already hung up the phone.

Footsteps and words sounded in the compound, and people began to come to work. Li Ji hurriedly drank the remaining half bowl of soy milk in one go, wiped his mouth, picked up the briefcase, and went downstairs.

When I came to the office, I found that Xiao Zhu had arrived. Xiao Zhu is an account manager and has been following Li Jigan. He saw that Li Ji's eyes were dark, so he asked, "Head, are you okay?" ”

"It's okay, I probably didn't sleep well last night."

"No, isn't it scaring the treat?" Xiao Zhu smiled evilly, "Why else would you have escaped just after yesterday?" ”

"Fuck off!" Li Ji took a sip, "At noon today, Shanxi Ramen Restaurant, if you don't eat five bowls, I won't let you come out!" ”

"Head, don't scare me," Xiao Zhu stuck out his tongue, "That ramen, I really ate it." ”

"Haha!" Li Ji laughed, and his mood seemed to be much better.

Li Ji sat down at the desk, thought for a while, and grabbed the internal phone: "Xiao Zhang, you send the credit file of the working capital loan of the Marriott Group, all of them!" ”

Ten minutes later, the account manager Xiao Zhang stood in front of Li Ji with the credit file.

"Put it here." Li Ji took the file box, opened it, and began to flip through the pages one by one.

"What? Anything else? After reading a few pages, I looked up and saw that Xiao Zhang was still standing there and hadn't left, Li Ji was a little strange.

"I, I... Plum... Mr. Li ......, "Xiao Zhang didn't say a word for a long time.

Li Ji was surprised.

This Xiao Zhang is very neat on weekdays, and people in the industry say that if he talks about cross talk, he will not be worse than Teacher Feng Gong. But at this moment, Xiao Zhang's face turned red, like an old hen who had difficulty laying eggs.

"What's wrong with you?" Li Ji put down the file in his hand, looked at Xiao Zhang, and wondered in his heart, "If you have something to say, what's so embarrassing?" ”

"Mr. Li, I also serve other people's jobs, I can't help it." Xiao Zhang gasped hard, and his face gradually calmed down.

"Huh?" Li Ji was stunned and couldn't help staring at Xiao Zhang's eyes.

"That business is all arranged by Mr. Cui, I ......" At this time, footsteps sounded in the corridor, and Xiao Zhang immediately stopped.

"Mr. Li, I, I'll go back first." After Xiao Zhang finished speaking, he turned around and hurried away.

Looking at Xiao Zhang's departing back, Li Ji was silent for a long time, as if he understood something, but he didn't seem to understand anything.

"This Xiao Zhang, shouldn't he have taken the wrong medicine today?" Xiao Zhu looked at Li Ji and couldn't help shaking his head, "Why are you brainless when you speak." ”

Li Ji tilted his head sideways, didn't say anything, just smiled faintly, turned around, and then looked at the credit information.

After reading more than a dozen pages, Li Ji suddenly stopped. stared at the quartz clock on the wall for a while, but still dialed Wan Cheng's sister Wan Min's phone.

The phone went through, and there was a slight sobbing sound in the receiver.

"Wan Min, I'm Li Ji."

"Li Ji, ah......" There was obviously a cry in his voice.

"Brother Cheng's matter, I just knew, it's too unexpected......" Li Ji said softly, his eyes a little hot.

Wan Min didn't answer, still sobbing lowly.

"Take care of your own body and take care of Uncle Wan...... Li Ji's voice choked, "I'll go back and see your ......"

"These days, home, people come and go, it's quite chaotic. You, you'd better come back in a few days......" The cry was staccato and misleading.

"Okay, I got it. Take care of your body. After Wan Min hung up the phone, Li Ji put down the phone; With a long sigh, he was stunned and continued to look at the credit file.

The files are all normal credit information, and there is nothing special to see.

In the loan contract, the "purpose of borrowing" is generally filled in with "for the daily operation and turnover of the enterprise".

The post-loan inspection report is also a regular content. In addition to some basic financial information, the flow of loans and the specific use of funds are all hastily brushed aside.

Li Ji couldn't help but shake his head.

The large loan of hundreds of millions of yuan was not transferred to the deposit account of the Marriott Group in the Bank first, but was directly transferred from the loan account of the Bank to the deposit account of Marriott in another bank.

In this way, 100 million funds were handed over to Marriott Group, and they were allowed to use it independently, and the lending bank had no control at all.

Li Ji sorted out the credit information, put it back in the file box, took the loan guarantee document, and read it carefully word by word.

The prohibition on bank employees providing guarantees to customers in their personal names is a new rule that did not exist at the time of signing.

The file itself is fine, it is the common version of the bank.

The personal seal affixed to the guarantor's signature is his own, and it is genuine.

A copy of the ID card is not fake.

But I just don't remember signing this document, is my brain confused and forgetful?

But the loan guarantee is such a big thing, and it is a huge amount of 100 million, how can you forget it?

That's a big joke, unless you lose your brain, or become a fool.

Li Ji read the guarantee document twice and found that this guarantee was not there at the beginning of the loan, but a guarantee that was added later.

Li Ji's face became solemn. Additional guarantees? If it is an additional guarantee, he should remember it.

After thinking silently for a long time, Li Ji suddenly discovered a problem. He failed to attend the two review meetings before the loan was submitted to the Municipal Bank's loan review committee.

Either on a business trip, or was sent by Cui Hao to collect loans and interest.

Is this a coincidence, or is it intentionally arranged?

Li Ji suddenly struck a spirit, and cold sweat broke out faintly on his forehead.

He remembered the words of the old gentleman who was short, with thick eyebrows and flat head, a long shirt and a thin face, a mustache, and liked to fight "literary battles" with people, "I have always been afraid to speculate on Chinese with the worst malice."

Staring at the guarantee documents, the seals and words jumped around in front of me, and I suddenly felt a chill on my body.

After a long while, Li Ji put down the personal guarantee paperwork, and took out the mortgage contract in the credit file and read it a few times.

This working capital loan, secured by the land use right of a subsidiary of Marriott Group, is valued at 1.8 billion, which can fully cover the principal and interest of the loan.

Li Ji's frowning brows gradually loosened. The worst-case outcome is to go through the judicial process and apply for judicial auction of the land owned by Marriott Group, and the proceeds from the auction will be used to pay off the loan.

Li Ji packed up the materials, put them back in the file box, and let out a long breath, feeling much more steady.

I was just about to take a drink when there was a knock at the door.

Xiao Zhang walked in.

Xiao Zhang has returned to normal, walked to Li Ji's table, and looked calm: "Mr. Li, Mr. Cui, please go." ”