money is not guilty

Chapter 64

Wang Chong put down the phone and said to Kang Wan with a smile, "How, are you satisfied with the solution to the problem?"

The conversation between Wang Chong and that person just now made Kang Wan laugh, "I didn't expect that Manager Wang, who usually seems to speak righteously, would be so funny at times."

Wang Chong said, "Okay, Manager Kang, I don't think you're here just for this matter. The private matter has been settled, so let's talk about business matters."

Seeing Wang Chong being so direct, Kang Wan felt a little restrained, "This..."

Wang Chong asked, "Aren't you talking about the loan from Shunfa Aluminum?"

Kang Wan plucked up her courage and said, "Yes, uncle..."

Wang Chong interrupted, "You should call me Wang Chong, I think this title is a bit awkward."

"Actually, Director Zhao meant that I came to you this time. You see that Tianma Group's loan has been approved. You haven't given any money here. Director Zhao said that as long as the conditions are not too excessive, we can discuss it."

"Conditions? For example?" Wang Chong asked.

Kang Wan said, "It's about the handling fee. We also know the hard work of doing credit, so the group will take part of the fee as the hard work fee for you and the team..."

Wang Chong had expected this for a long time. This is also a common problem in the industry. Generally, the interest rate of a large group loan does not seem to be high. business team.Enterprises are also willing to pay less interest, and bank staff can also get benefits.

However, this kind of behavior is an extremely serious illegal behavior in nature. If the company’s loan is fine, it’s okay to say that once the loan is withdrawn or a default occurs, the company will talk about it and even threaten the bank to renew the loan.Wang Chong has often encountered this kind of situation over the years, and his answers to questions are always the same: this kind of behavior is absolutely not allowed.

The smile on Wang Chong's face gradually faded, "Manager Kang, maybe we haven't had much contact time, and you don't know me well, so don't bring up such things in the future. The loan interest rate will increase by 40% based on the benchmark. If you disagree, then I will There is no other way."

Kang Wan hesitated, "I will report to Director Zhao about the loan issue?"

At this time, Wang Chong's phone rang, and it was Lin Tianhua calling.

"President Lin."

Lin Tianhua said, "How is the progress of the Tianma Group loan?"

Wang Chong said, "The loan conditions are still being implemented, what instructions do you have?"

"If there is no problem, then let it go as soon as possible."

Wang Chong was a little puzzled, he was the one who dragged the loan, "But President Lin..."

Lin Tianhua raised his voice and said, "Obey the order."

"Yes."

Wang Chong could hear some helplessness from his mouth, and he was no wonder. If it wasn't because of the obstruction of this loan, the board of directors dismissed Lin Tianhua not long ago would not have happened.This matter, whether it is the Tianma Group, the board of directors, or the leaders of the city government, has put a lot of pressure on Lin Tianhua.Lin Tianhua knew that it would be risky to release it, but he couldn't refuse it, but if something happened, all the boards would be hit on Lin Tianhua's head.

After hanging up the phone, Wang Chong said to Kang Wan, "Notify Director Zhao that the loan will be released tomorrow morning."

Kang Wan didn't expect things to go so smoothly, so she couldn't help asking, "Really?"

Wang Chong said, "Your Tianma Group is a key enterprise in the city, and Chairman Qi is a man with good hands and eyes. Even the deputy mayor has spoken for you, what else can we do?"

Kang Wan breathed a sigh of relief, and almost didn't laugh out loud. Wang Chong wondered, "Why are you so happy?"

Kang Wan said, "Director Zhao said that if we can't talk this week, I won't have to go to work. Big... No, Manager Wang, I want to thank you very much."

"Thank you?"

As soon as these words came out, Kang Wan's face suddenly turned red.She remembered what happened before, and knew that Wang Chong's words were actually teasing her, so she lowered her head and said in a low voice, "You have the final say."

Wang Chong laughed, "Okay, go back and report to Zhao Xiaocheng. I'm just kidding you, you are still so young, you have to be upright, and you have a long way to go."

After sending Kang Wan away, Wang Chong called Su Lei and Zhang Feifan to ask for the Tianma loan disbursement process within the system.Zhang Feifei said, "Boss, can't bear the pressure anymore?"

Wang Chong scolded with a smile, "You know a lot? Recently, the business volume is not enough. It seems that I have to consider adding more burdens to you."

Zhang Feifei stuck out his tongue, "I'll implement it now!" After saying that, he ran out.

Wang Chong asked Su Lei, "After I left the project team, you will be in charge of the entire project. Why did you report the few hard conditions I mentioned earlier?"

Su Lei faltered, unable to answer.

Wang Chong said, "Just tell the truth, I won't make things difficult for you."

Su Lei thought for a moment, and said, "Actually, this is the meaning of President Liu and President Li." So, he told the situation of the project team eating at the Qizhongyuan Clubhouse that night, "The next day, the two presidents called me respectively. Talked to the office, asked me to change the credit conditions, and said..."

"say what?"

"The two presidents promised me that after this project is completed, they will promote me as the head of the company's business department."

Wang Chong secretly sighed in his heart, Su Lei is not himself, and his rank is low, after all, he still can't match the words of the two presidents, he persuaded: "Su Lei, I don't blame you for this matter, but the bank entrusted us with an independent investigation You can't do things that violate professional ethics just because of the instructions of your superiors. I hope that when you do business, you have independent judgment and can't be interfered by external forces."

Su Lei felt a little disapproving, but he couldn't help but admire Wang Chong.In the entire Donghua Bank, Wang Chong is the only one who can say such words and implement them in practice.

……

Li Yishu called, "Just finished the meeting, how is your matter going?" She was referring to Kang Wan's text message. How could you lie to me?"

Li Yishu said, "Don't tell me, every year we receive seven to eight hundred reports of this type of fraud, not including those who think they are unlucky and don't report."

Wang Chong said, "It seems that you have a long way to go in your mission."

Li Yishu said, "Are you free tonight, I invite you to dinner."

Wang Chong hurriedly said, "I don't dare to eat Captain Li's meal lightly, you should say something is wrong."

"Why, can't I invite you?"

"Go to the Three Treasures Palace for nothing, you always feel panic when you say this."

Li Yishu smiled, "Recently, the case has encountered some troubles, and I want to ask you something."

The two agreed on a time and place, then hung up the phone.

In order to avoid Ma Xiaoxiao's misunderstanding, Wang Chong specially called Ma Xiaoxiao, "Li Yishu invites you to dinner tonight. Are you free? Let's come together."

Ma Xiaoxiao said sourly, "They invited you, but they didn't invite me. Why should I go there?"

Wang Chong laughed and said, "I'm afraid you might misunderstand me. After all, you are my girlfriend."

Ma Xiaoxiao snorted, "You still know that I'm your girlfriend. When I get busy, I don't know how to make a call. When I was in a relationship before, I had to call for an hour every day."

Wang Chong said, "Alright then, I just don't want to go."

Then Ma Xiaoxiao said, "Okay, just kidding, I'm not a three-year-old kid, I'm working on a manuscript at work at night, remember to call me after the date."

Arriving at the appointed restaurant, Li Yishu was wearing a lavender sweater and a light blue woolen overcoat. He was really dressed up. For the first time, he did not wear a police uniform. Wang Chong looked Li Yishu up and down, and Li Yishu asked, "Why, no Habit?"

Wang Chong said, "I still think it's more interesting for you to wear a police uniform."

Li Yishu chuckled, sat down, and said, "You have to wear a police uniform to eat, how tiring it is."

This is a western restaurant with an elegant environment. Most of the diners are dating couples. Their voices are not loud, and with soothing music, the atmosphere is a little different.

The two have known each other for so many years, except for the last time they ate noodles, this was the first time they ate on such a formal occasion, and they didn't know what to say, and the atmosphere was a bit awkward for a while.

The waiter came over and said, "Sir, today our store launched a couple set meal, 580 yuan a piece, do you want to try it?"

Wang Chong and Li Yishu said in unison: "We are not a couple." Immediately afterwards, they looked at each other and smiled.

Wang Chong said, "Then go for this."

Li Yishu said, "Wang Chong, congratulations."

Wang Chong wondered, "Congratulations?"

"Yeah, what I mean is that you and Ma Xiaoxiao are finally together. You don't know, Ma Xiaoxiao has been in love with you for more than ten years. She seems to be very casual about feelings, but I know that all these years , It wasn't easy for her. But fortunately, seeing a good friend with the person you like the most always has a happy ending. Don't let her down."

Wang Chong scratched his head in embarrassment, nodded again, and suddenly asked, "What about our Captain Li? It should be resolved."

Li Yishu sighed, "The older a man is, the more valuable he is. We old leftover women like us, after 30, no one will want them."

Wang Chong laughed, "Don't be too modest, if you really want to find a boyfriend, all the men in the world are still waiting in line for you to pick."

Li Yishu paused, "No matter how many people there are, it's useless if you can't find the right one."

"What kind of look do you like, I can help you pay attention."

Li Yishu thought for a while and said, "A capable, responsible, and responsible man is at least stronger than me. Can he hold me down?"

Wang Chong smiled wryly and said, "It's hard to say anything else. The last one is probably going to eliminate 99% of the men in the world."

Li Yishu pretended to be angry, "Why are you so bad, you mean I'm like a man?"

"No, men are not as good as you."

Li Yishu sighed inwardly, there might be such a man, but he was snatched away by others.

The two had their own concerns, and they ate quietly without speaking. After a while, Wang Chong said, "Captain Li asked me out for this, right? To be honest, I'm really not good at it."

Li Yishu picked up his mood and said seriously, "Actually, I came to you because of the illegal fund-raising case. Last time we traced the funds from a monitored account to a trust institution, and then through several relationships, it went to Tianma Group, Win-Win From the investment account, it can be concluded that the Tianma Group and the Shi family brothers must be involved, but legally speaking, there is no evidence for this suspicion, you are engaged in finance, can you provide some professional advice?"

Wang Chong thought for a moment and asked, "In this case, why don't you directly intervene in the investigation. As far as I know, people have been involved in the Xiaoyao Wealth Management app controlled by them."

"We have also considered that the reason why we didn't take any action is because we are afraid that if we take action, we will startle the enemy, arouse their alertness, and transfer funds abroad. Although we have already prepared contingency plans, we are afraid that if there is a mistake, the responsibility It's big."

Wang Chong sighed, "People always show their bad side when they face money."

Li Yishu retorted, "Not necessarily, as far as I know, there is an upright person in front of me who regards money as dung." Wang Chong smiled bitterly, "I just didn't face this temptation."

Li Yishu said firmly, "Wang Chong, you won't do it."

"Since these people are greedy for high interest, they were deceived. It was Zhou Yu who beat Huang Gai, and one was willing to fight and the other was willing to suffer."

"That being said, we are law enforcement officers, and we are obliged to protect the property of ordinary people from loss." Li Yishu paused, and added, "At least within the controllable range, try to minimize the loss of investors."

Wang Chong said: "Have you considered dismantling them from the inside, such as controlling a suspect, and then follow the clues to find them?"

"It's not that I haven't thought about it, but it's not easy to do it. According to the feedback from the task force, the money is still in Donghua City and scattered among hundreds of accounts. Unless we can get enough clues, we will not Dare to act rashly."

Wang Chong nodded, "If that's the case, why don't you think of a way to force them to make them scramble and show their feet, which can be regarded as throwing stones and asking for directions."

……

The next morning, Shunfa Aluminum's [-] million project officially completed the credit.

According to Wang Chong's opinion, this fund is earmarked for special purposes. When implementing the credit conditions, it is proposed to establish a fund joint management account. The [-] million credits will be used in batches, and the invoices and contract payment requests issued by Hualv will be used each time. As a credit condition, so as to strengthen the control of the loan risk, but this request was rejected by the head office, which made Wang Chong a little worried. In all likelihood, this loan will be used by Tianma Group for other purposes, but Lost control of cash flow.These matters were beyond his jurisdiction, so he had to follow the resolution of the loan review committee.

The time has entered late December, and the annual year-end settlement day is approaching.

This is a major event in the banking system. It is necessary to conduct an overall liquidation of the bank's business conditions throughout the year, including cash accounts, physical accounts, journal accounts, sub-accounts, teller accounts, branch accounts, etc., all need to be accounted for in a unified manner.In the past, manual statistics were required. Now, after electronic operation, most of the reports can be automatically calculated. However, due to certain reasons (such as regulatory indicators), some accounts and data still need to be adjusted manually. Several departments such as planning and technology cooperate with each other, and the processing is very complicated.

The credit department's loans have also basically been parked, and some loans that have been approved will have to wait until next year to be released. First, it is a reserve project for a good start after New Year's Day, and second, the People's Bank of China has basically used up the agreed loan quota.

At the administrative meeting of the Chengdong Sub-branch, the financial manager was conveying the work plan for the year-end final accounts issued by the head office.This was originally a major event in the industry, but Gu Tiande was distracted throughout the meeting and was a little restless. After the study was over, the financial manager reminded him twice that Gu Tiande became alert and said: "Comrades, the year-end final is a major event in our industry. Just now The Finance Department has communicated the specific requirements of each department, and I have no comment..."

Gu Tiande's cell phone rang, he quickly picked it up and walked out.

Gu Tiande didn't say to end the meeting, everyone looked at me and I looked at you, and they didn't know what to do.At this time, Wang Chong was in a hurry and went to the bathroom. On the way back, he heard Gu Tiande calling on the balcony. He seemed a little agitated, and his voice gradually became higher.Although Wang Chong had no intention of eavesdropping, the voice came over unintentionally.

"What? Minfeng Bank draws loans?"

"Who the hell did it... I guess it's that bastard... What should I do? You ask me, who do I go to, no matter what, before the end of the year, you have to get me 300 million..."

"It's time to cash out the interest next month. If you can't make it on time, it will cause panic, and then you and I will be unable to eat and walk around..."

"Don't give me reasons, if you can't do it, if you can't do it, go to jail!"

After Wang Chong heard the general idea, he became suspicious, Minfeng Bank took loans?Cash out what interest?What happened to make Gu Tiande lose his temper so much?

Gu Tiande hung up the phone, obviously still angry, and seeing Wang Chong wandering not far away, he became more and more irritable, "What are you doing here?" Wang Chong pretended to have just walked over, and said, "This is not a meeting It's too boring, I'm going out to smoke a cigarette."

Thinking of the surveillance of his office, Gu Tiande became furious, and snorted coldly, "Don't think what you did, I don't know."

Wang Chong asked in surprise, "President Gu, what's the matter?"

"You know what it is, hum." He ignored Wang Chong and went straight back to his office.Wang Chong was confused, shook his head, and thought that he seemed to be in trouble.

Seeing that Gu Tiande did not continue the meeting, Wang Chong returned to the conference room to end the meeting. When he came to the office, he saw Zhang Feifei walking over nervously, "Boss, the loan from Donghua Kangmang Economic and Trade should be deposited in 22 yuan on the 132nd of this month. Ten thousand interest, but did not pay it back on time.”

Wang Chong frowned, "Did you call to remind me?"

"I'm urging, but the other party said that it was just helping Baicheng's new materials to settle the bill. The money was given to Baicheng, and we asked Baicheng to ask for interest."

"The money is from the Comang Economic and Trade Loan. What is wrong with them and Baicheng New Materials is their problem. We have no responsibility and no right to claim rights and interests against Baicheng New Materials."

"I said it, but they wouldn't listen."

This business was handled by Su Lei. I remember signing a drawer agreement at that time, using the [-] million funds of Baicheng New Materials as a guarantee, so he said, "Then use the post-loan inspection as an excuse to collect the purchase of polyethylene products. If there are no invoices and other evidence, according to the contract, the loan will be declared due immediately. If the other party does not repay the loan, claim the rights and interests from the guarantor Baicheng New Materials, and use a [-] million deposit to repay the loan.”

Wang Chong's forehead was sweating, and he didn't expect that Gu Tiande's operation would have such consequences.The year-end final accounts are coming soon. If there is a problem with this loan, although the ultimate risk can be controlled, there will be troubles in the regulatory indicators and assessment indicators.

"Also, President Gu authorized Su Lei to do this business. Let Su Lei follow me to ask President Gu for instructions on how to deal with it."

Gu Tiande got angry in the office, Wang Chong and Su Lei went in, Su Lei reported the situation to Gu Tiande, Gu Tiande said to Wang Chong, "Tianma Group is your accountant, I authorize you to handle this matter with full authority."

Wang Chong was a little unhappy, "I don't agree with this loan."

Gu Tiande sneered, "Why do you want to shirk responsibility? You are the vice president in charge of business. If you don't solve this kind of thing, who will solve it?"