money is not guilty

Chapter 17 You are concerned about high interest rates, others are concerned about your principal

"My question is about the guarantee company Tianqin Breeding Co., Ltd., which buys raw chickens at a price higher than the market price and then sells them at a reduced price. According to this model, these dozens of farmers will lose 30 to 50 yuan for a batch of chickens. Ten thousand yuan, this is obviously unreasonable. Zhang Feifan, can you answer it?"

Li Qingquan said, "Wang Chong, you are not a member of the loan review committee. You have already attended the meeting. You have no right to ask questions."

Wang Chong said, "But I am the supervisor of this business, and I am responsible for this loan!"

Zhang Feifei hesitated, "Maybe this breeding company has other income?"

Wang Chong stood up, "Maybe? We are in the credit business, so we can't use words like maybe or maybe."

Zhang Feifan said that I will make a phone call right away, walked out of the conference room, took out the phone and prepared to call Luo Dacheng, Li Qingquan also came out secretly, and stopped Zhang Feifan, "What are you doing?"

"I'll call and ask Mr. Luo."

Li Qingquan smiled, "I know this company quite well. The price of each batch of chicken sold by these dozens of breeding companies is between 1500 million and 2000 million. Generally, the breeding companies will accumulate a sum of money for goods, and then use this money to invest. That's their profit point."

Zhang Feifei asked in surprise, "Aren't they participating in private lending, which is expressly prohibited by the general credit rules. If the loans they invest are at risk, wouldn't these farmers lose all their money?"

Li Qingquan shook his head, "The Tianqin Breeding Co., Ltd. is only a guarantee enterprise, and the borrower is a farmer, and it has not violated the general credit rules. However, this is also a problem. So, wait a moment to answer the question, and you say that the district government is responsible for the Tianqin Breeding cooperatives have a financial subsidy of 0.2 yuan per catty, and they use a lot of feed, and the feed per catty is [-] cents lower than the market price."

Zhang Feifei said loudly, "Isn't this perjury?"

Li Qingquan: "Keep your voice down! How can this be considered perjury? You just made some necessary packaging for this business."

Zhang Feifei firmly refused, "I won't do it."

Li Qingquan sneered, "I'm afraid you can't help it. If you really don't do it, don't accept a box of Moutai from someone when you were drinking yesterday. It costs more than 1 yuan! Do you know what this means? If someone reports the crime, the amount of bribes will be accepted." More than 5000 yuan, but less than three years in prison."

Zhang Feifei felt dizzy all of a sudden, he felt an invisible hand tightening his throat, making him unable to speak, he gasped heavily.

Li Qingquan presses forward step by step, "We pay attention to due diligence and exemption in business. If something goes wrong, at most it will be due to poor investigation and a fine of 1000 yuan at most. How to weigh it is up to you."

Zhang Feifei said, "I can return the wine to Mr. Luo."

"Don't be naive, they are businessmen, they are very cunning, since they gave you something, they must have left evidence."

Zhang Feifei suddenly remembered that in the middle of drinking yesterday, someone said that he was organizing an event to give away wine and needed to take pictures for records, and that person even recorded the video.Needless to say, this must have been arranged by Luo Dacheng, so the other party will definitely leave memories of sending Moutai away.

Zhang Feifei's whole body was cold, and he was speechless for a long time.

"what should I do?"

Li Qingquan patted him on the shoulder, "Just follow what I taught you just now. If there is a problem, President Gu and I will take care of it for you! When the loan is approved, Mr. Luo will have something to say, don't worry , This kind of money-making thing, there will be opportunities in the future, everyone should work together and make a fortune together!"

"Should I tell Director Wang about this?"

"He is a fool, so are you foolish too? Of course, the fewer people who know, the better."

Zhang Feifan stabilized his emotions, and returned to the meeting room with a dazed expression, "I just talked to Mr. Luo on the phone. The Agricultural Bureau provides a batch of subsidies to the broiler chickens of the breeding cooperatives every year. The standard is 0.2 yuan per catty. Moreover, the feeding The purchase volume is large, and the feed factory is [-] cents cheaper per catty than the market."

Wang Chong said, "I suggest that the loan be renegotiated, and at the same time supplement the financial subsidy documents and the original contract of the Sky Bird Breeding Co. before the meeting."

The director of the loan review committee said, "We will consider your opinion."

At the end of the meeting, Wang Chong asked Zhang Feifan, "Why is such important information not reflected?"

Zhang Feifei felt ashamed, "I don't have enough experience, so please give me some guidance from my master."

An hour later, the loan review committee came up with a resolution, agreeing to extend credits of 1900 million yuan to the 100 farmers under the Tianqin Farming Co., Ltd. The loan interest is not less than 10% on the basis of the benchmark interest rate, and the security deposit is not less than [-]%.Gu Tiande also signed the credit resolution.

"I don't agree!" Wang Chong shouted in Gu Tiande's office, "There is something wrong with this loan, I suggest additional investigation before making a decision!"

Gu Tiande frowned, "Wang Chong, the agricultural exhibition will be held next Monday, and I have to attend the opening ceremony. I patted my chest to guarantee this loan in front of the director of the Agricultural Bureau. You are trying to set me up?" Yu injustice? Besides, this loan was deliberated by five experts from the loan review committee, and it was unanimously approved. Do you have any questions?"

Wang Chong said, "Then we have to wait for the supplementary materials to arrive."

Gu Tiande pointed to the quartz clock on the wall, "It's 04:30 now, and the Agricultural Bureau will not work tomorrow weekend. The loan will be released tomorrow and the day after tomorrow, and I will add more information on Monday."

Wang Chong insisted on his own opinion and shook his head.

"If you want to call and ask for documents, you go and ask for them yourself."

Wang Chong: "Give me the phone number of Director Tian."

Gu Tiande said coldly, "Find it yourself."

"Then follow the general rules of the loan. I will never sign until I see the supplementary materials."

Gu Tiande became angry, "Wang Chong! Our bank's credit is under the responsibility system of the president. Let me tell you clearly that the business of Tianqin Farming Co., Ltd. will pass if I say it is approved. If there is any problem, I will be responsible for it!"

"Just remember this sentence!"

"go out!"

Wang Chong retreated angrily.

Not long after, Zhang Feifei came to Wang Chong to sign the loan contract. Wang Chong had already recovered, and said, "You should ask President Gu to sign it." Zhang Feifan said in a low voice, "Master, this loan is I did not complete the information, and it is my fault to let you be scolded in front of the president. President Gu just talked to me and asked me to work overtime tomorrow and the next two days. I must release the loan before the agricultural exhibition on Monday. Can you help me? Helped."

Wang Chong said, "Are you sure you can get the supplementary materials before Monday?"

Zhang Feifan said that I have already called Mr. Luo, and they have contacted the Agriculture Bureau and the Feed Factory, and they will deliver it on Monday morning.

"Is there any problem with the farmers? Have all the customers been to the site?"

Zhang Feifei lied, "I've been there."

After hesitating for a moment, Wang Chong signed his name on the loan application form, "Tomorrow and the day after tomorrow, I will go to the countryside. I will thank you for your hard work."

Zhang Feifan squeezed out a smile, "It should."

Early the next morning, according to the agreement, Wang Chong came downstairs to Ma Xiaoxiao. It was almost eight o'clock before Ma Xiaoxiao went out with a big suitcase. Today, Ma Xiaoxiao was wearing casual clothes when she was going to the countryside. , with a graceful and graceful figure, which made Wang Chong's eyes shine.

"Isn't it just one day, are you going on vacation?"

Ma Xiaoxiao said with a smile, "What do you know? We need to prepare a lot for an exclusive interview, and we need to make up when we get there. I don't have to bring everything with me. How can I highlight my beauty then?" Wang Chong scratched his head, "Since It's an exclusive interview, shouldn't it highlight the other party?"

Ma Xiaoxiao said in her heart that Wang Chong didn't understand fun, she pouted and said, "Aren't you here to help? Are you going to exhaust me to death?"

The exclusive interview was in Jinniu Village, Pujiang County, which is a demonstration village for the city's new rural construction.Five years ago, Jinniu Village was still a poor village, relying on government subsidies to survive.Since the Shinkansen project passed through this village, the village obtained its first pot of gold by selling land. Taking this opportunity, Jinniu Village built bridges and paved roads, engaged in ecological breeding, farmhouses, etc., and became a relatively famous leisure tourist attraction in Donghua City. In the past five years, The per capita disposable income jumped from less than 6000 yuan to 3 yuan.Recently, Jinniu Village is applying for a provincial-level new rural construction demonstration town. In order to cooperate with them, the city sent Donghua Daily and other media to interview and create some momentum from public opinion.

There was also a photographer who went with him. When Wang Chong and the others arrived, they were already waiting in Jinniu Village.

Under Ma Xiaoxiao's strong request, Wang Chong became Ma Xiaoxiao's follower and assistant, "Wang Chong, I'm thirsty, Wang Chong, I want to eat potato chips, Wang Chong, I want to make up..." After the whole morning, I tossed Wang Chong It's not light, but this way Wang Chong also has the opportunity to be a reporter for a while.

The interview went smoothly. The village secretary, Sun Baoguo, talked about his experience of leading Jinniu Village to become rich, and took many photos.By lunch time, the interview was basically done, and it was just a matter of going to a few places to take some photos in the afternoon.

The luncheon was arranged at a farmhouse. When he heard that Wang Chong was working in Donghua Bank, Sun Baoguo asked, "President Wang, the villagers have become rich recently, and everyone has some spare money. Do you have any good wealth management products in your bank? Introduce us."

Wang Chong said, "Our bank has just launched a Donghua Quick Earning Financial Management recently. The minimum deposit is 5, and the 190-day annualized interest rate is around 4.9%. If you need it, I can arrange someone to give you a financial lecture .”

"Hey..." Sun Baoguo smiled, "It's only 4.9%. The interest rate of your bank is too low. No wonder it's so difficult to do it now. The money in our village is kept in the wealth company in the county, and the annual interest rate is 15%. More than 30%, for example, I took out a loan of 8 from the bank not long ago, and the interest was only 2%, and once I got in and out, I had more than [-] in interest income a year."

Wang Chong was startled, "Secretary Sun, I'm afraid it's a financial trap."

Sun Baoguo asked, "What financial trap?"

Wang Chong explained, "Think about it, so many industries work so hard, how many people can have an annual profit of more than 15%? Why, you don't have to do anything, just give them the money, and they will get 15% rate of return? I’m afraid that you are thinking about other people’s interest, and they are thinking about your principal!”

Sun Baoguo was upset, "I don't like to hear these words anymore. They invest in big projects with government background, and some of them are approved by the State Council. I have received more than 5 dividends in the past two years. You guys The bank knows how to scare people, fooling everyone into depositing some low-interest deposits with you."

Wang Chong saw that he was stubborn and refused to listen to persuasion, so he didn't say much.