money is not guilty

Chapter 81 Holding a torch and dancing on a powder keg

Donghua Bank started its listing plan and established a joint-stock reform working group. Zhao Youliang served as the team leader, and the group office was set up in the board office. Lin Tianhua served as the executive director, and he and the secretary of the board served as the director and deputy director of the joint-stock reform office.

The shareholding reform office formulated a three-step route of government capital injection, establishment of joint-stock companies, and introduction of strategic investors, and determined intermediary structures such as auditors, asset appraisers, lawyers, and management consulting companies. On the tenth day of the first lunar month, Donghua Bank held a restructuring project to start The meeting will officially start the audit, evaluation and legal due diligence work.

According to Donghua Bank’s plan, it is necessary to establish a joint-stock company under the new structure before September, and then transfer all the shares of Donghua Bank to the past. During this period, there will be a lot of communication work between the capital side, the government, and the original shareholders. The plan requires, To complete the listing of East China Bank within 9 months.

The entire East China Bank is almost boiling. According to reports, in the establishment of a new company, the bank will raise part of the funds from the employees. Each employee has a certain proportion of options according to the entry time and rank. It also began to buy such original shares from employees. Although the articles of association clearly stipulate that such shares cannot be transferred within three years, some people still signed a secret agreement.

Wang Chong also got part of the stock options, discussed with Ma Xiaoxiao, and held 1 million shares at a price of 2 yuan per share. Of course, Wang Chong had just bought a house, and his deposit was only more than 100 yuan, and the remaining 40 yuan was For Ma Xiaoxiao's money, Wang Chong drew up an internal agreement, but Ma Xiaoxiao laughed at him, "We all live together, why are you so clear about my calculations?"

Wang Chong laughed and said, "Aren't you afraid that I will abscond with the money?"

Ma Xiaoxiao's face darkened, and she said, "If you ran away with the money, what good would I ask for more money?" Wang Chong knew he had said something wrong, so he quickly apologized. Ma Xiaoxiao was not a stingy person either. I didn't care about it either.

Listing belongs to listing, and the work will continue.

On the twelfth day of the first lunar month, Kang Fangping, the owner of Kangmang Trading Company, approached the Chengdong Sub-branch and said that his company was going to apply for a loan recently, because the previous loan for Tianma Baicheng occupied a large amount of credit line, and asked to return this part in advance loan.

At that time, Gu Tiande and Zhao Xiaocheng did this business mainly to make Baicheng's indicators look better. They took a channel from Kang Mang Trading. Wang Chong also knew about it, so he approved it in the system and agreed to return it in advance.

At first, I thought it was just an ordinary business, but in the afternoon, Su Lei approached Wang Chong and said, "President Wang, Baicheng Trading does not agree to deduct 2 million yuan as a deposit to return the loan of Kangman Economics and Trading."

Wang Chong asked in surprise, "What?"

Su Lei said: "Boss Kang went to find Zhao Xiaocheng, and Zhao Xiaocheng made it clear that this loan was applied by Kang Mang Economics and Trade from Donghua Bank, and it has nothing to do with Tianma Group and Baicheng New Materials."

Wang Chong scolded, "This Zhao Xiaocheng is too bastard, what about the drawer agreement?"

Su Lei has already taken out the hidden guarantee agreement and handed it to Wang Chong. The loan was made by Gu Tiande. Gu Tiande has limited ability and is extremely weak in risk awareness. Call, "Bring the signature card of Baicheng New Materials to my office, and remember to keep it secret."

Wang Chong also felt drums in his heart. This hidden guarantee agreement has already violated the regulatory regulations. If the seal of this agreement is again the carrot seal, then Donghua Bank will play big this time.Although Gu Tiande made this business, if the guarantee is not established, the loss of [-] million will all fall on the Chengdong Sub-branch, and Donghua Bank will be in big trouble.

In the office, Shang Qingshan checked the contract of Baicheng's new materials with the dog-corner inspection method, and he was relieved when he confirmed that the seal on the agreement was Baicheng's.

Years ago, Zhao Xiaocheng used Kang Mang's business to blackmail Wang Chong, but Wang Chong turned him back. Unexpectedly, they played more bachelors this time and directly denied the loan guarantee.

Wang Chong called Zhao Xiaocheng, "Zhao Xiaocheng, come to the office."

His tone was very unfriendly, and there was even a trace of anger. If something went wrong with this loan, [-] million, Wang Chong couldn't bear it, and he couldn't afford it. He had to make a decision.

Zhao Xiaocheng's tone was not friendly: "Who are you, President Wang?"

"It's me. Come to my office within half an hour."

Zhao Xiaocheng sneered, "Wang Chong, what are you, talking to me like this, I call you President Wang to save face, I don't have time to play with you."

Wang Chong sneered at the phone, "I won't see you within half an hour. I will announce that Shunfa Aluminum's loan will expire immediately because it has discovered irreversible hidden risks and issued it within the city's banking system. Risk warning letter, Zhao Xiaocheng, please do it yourself."

Zhao Xiaocheng scolded, "Wang Chong, do you know what the consequences will be if you do this?"

Wang Chong said, "Of course I know. Compared with the [-] million loss of Kang Mang Economic and Trade, what is the consequence?"

Zhao Xiaocheng said: "Okay, you wait."

After hanging up the phone, Wang Chong thought twice and decided to go to the head office again and report the matter to Lin Tianhua in person. Before leaving, Wang Chong said to Su Lei, "When he comes, put pressure on him and let them fulfill their guarantee obligations." , Don't let him leave until I come back."

He made an appointment with Lin Tianhua, came to Lin Tianhua's office, and reported the incident face to face.Lin Tianhua felt that the matter was of great importance, so he called the experts from the legal compliance department over to analyze the loan.

The legal expert said: "Based on the information we have so far, the situation is very unfavorable to us. First, we first granted loans in violation of regulations and signed a drawer agreement. Even if we win the case through legal proceedings, regulatory penalties will inevitably be imposed Second, President Wang also mentioned that Chengdong Sub-branch issued an inquiry letter to the other party, writing the deposit account as a deposit account. If there is a lawsuit, the other party is likely to seize this point to defend. Initiating the listing plan, several risk incidents have occurred in our bank years ago, if this case is exposed again, it will have a great impact on us."

Wang Chong nodded in agreement, and said, "Tianma Group probably took a fancy to this point, and played rogue with us. They are also a listed company, and there is no benefit in doing so, the only thing is to delay some time."

Lin Tianhua asked, "What's your opinion?"

Wang Chong thought for a moment, and said, "First forcefully withhold the security deposit, repay the loan, and secure the bag. Then, we will see the other party's reaction and go through the legal procedure of responding to the lawsuit."

Wang Chong also understood that doing so was illegal, but for the benefit of Donghua Bank, he had no choice but to do so.

Lin Tianhua looked at Wang Chong and said, "I can't give you any advice on this matter. If something goes wrong, all the responsibility will be yours. Can you bear it, Wang Chong?"

Wang Chong took a deep breath. This matter fell on his own branch, and he was responsible for handling it, and he was also responsible for not handling it. Since he couldn't escape, he chose the lesser of two evils, and nodded.

Coming out of the head office, Wang Chong talked to Su Lei on the phone, "Has Zhao Xiaocheng arrived yet?"

Su Lei said, "He's in the meeting room, I negotiated with him, and he was furious at me, saying that when he sees you, he has to have a good argument with you, President Wang, if you don't come back, I think he's about to explode .”

Wang Chong said in a low voice: "Immediately go through the process in the system, deduct the [-] million deposit of Baicheng New Materials, and return the Kangman Economic and Trade Loan. I am on my way back, and I will go back and sign all the procedures."

Su Lei had some doubts, "President Wang, the deduction of the security deposit must be approved by the risk management department of the head office. It is against the rules to do so."

Wang Chong said categorically: "It must be carried out whether it conforms to the rules or not. This is an order. I have already reported it to the leader of the branch. I will bear all the responsibilities arising from it."

Back at the sub-branch, Zhao Xiaocheng was in the meeting room, and a cup of tea had already lost its color.Wang rushed into the room and said, "Director Zhao, I'm really sorry that there was an urgent matter just now, and I went out for a while, Xiao Zhang, hurry up and change a pot of new tea for Director Zhao, you can see that the color is gone, how can you treat guests like this?"

Zhao Xiaocheng was left here by Wang Chong for nearly an hour, and he had accumulated a lot of anger, especially when he spoke very badly to him before, which made him even more upset.

Seeing Wang Chong coming in, he thought that swords were about to be drawn, but Wang Chong's attitude turned 180 degrees. He was so angry that he couldn't vent his anger. He said, "Wang Chong, it's alright, I'm here. You have something to say."

Wang Chong laughed and said, "Director Zhao, I invited you here as a last resort. Drink tea first."

"Stop doing this, I'm busy."

With a smile on Wang Chong's face, he said to Zhao Xiaocheng with a pleasant face, "Okay, I won't befriend you either. Let's talk about money and benefits in a simple and straightforward way. Director Zhao, the loan from Kang Mang Economics and Trade, Although I didn't handle it, I also heard about it when Gu Tiande was there. Everyone knows what's going on. I told you very clearly a year ago, so it's meaningless to say more. If you pay back the money, everyone will win. If you don’t pay it back, both sides will suffer. Secondly, you also know that if our two companies go to court because of this small business, it will definitely have a bad impact on both parties, especially Baicheng New Materials is a listed company. Once this matter is exposed , your company is suspected of falsifying financial statements, how much do you think the stock price will fall? Thirdly, Tianma Group is a shareholder of Donghua Bank, we can go public smoothly, and Tianma’s equity in our bank can also maximize its benefits Right, we are all prosperous, and we are all lost, so why bother to kill each other because of this incident?"

Zhao Xiaocheng said: "If there is a lawsuit, you may not win."

Wang Chong nodded, "That's right, we are not [-]% sure, so early this morning, we have forcibly deducted the security deposit and returned the loan."

Zhao Xiaocheng was drinking tea, when he heard this sentence, he almost felt internally hurt, and shouted: "What?"

He slammed the cup on the table, and the tea splashed all over the table.

Wang Chong took out a few pieces of paper, wiped the table, and persuaded, "I don't think there is any sympathy between us when things have come to this point. Director Zhao, I think this is the end of the matter, otherwise , once the lawsuit is initiated, I am afraid that it will not only affect the [-] million issue."

Zhao Xiaocheng knew that what Wang Chong said was correct. If the litigation procedure were to go ahead, it would trigger a chain reaction in the entire financial system of Donghua City. At that time, Tianma Group had no other choice but to declare bankruptcy and liquidation.

Whether it is a company or a bank, the debt situation has reached this point, like holding a torch and dancing on a powder keg. Even a small spark may trigger a huge explosion.

The more Zhao Xiaocheng looked at Wang Chong, the more disgusting he looked, but this guy was not stingy, so he had nothing to do with him.

Zhao Xiaocheng changed the subject and asked: "I heard that Gu Tiande ordered Shi Kui and Shi Hu brothers in the Public Security Bureau. Shi Kui is still missing. I wonder if President Wang has heard any clues?"

Wang Chongxin said that Zhao Xiaocheng was afraid that Shi Kui would have any evidence against him, but since Shi Kui's accident, it seemed as if the world had evaporated. According to Li Yishu's analysis, he was very likely to escape to a foreign country. He didn't know that Shi Kui had already been arrested. The matter of Zhao Xiaocheng's silence.

Wang Chong said: "I really want to know, because he left like this, which caused me to lose a chance to make a fortune."

Zhao Xiaocheng smiled and continued: "I heard that before Shi Kui's accident, you were helping him transfer a sum of money?"

Wang Chong was vigilant. Tianma Group's involvement in the 913 illegal fund-raising case was extremely secretive. If Li Yishu hadn't told him personally, he would never have known about it. Zhao Xiaocheng was trying to test him, so he said, "Director Zhao, we are all Adults, let’s not say we didn’t do this kind of thing, even if we did, we wouldn’t admit it, haha!”

Zhao Xiaocheng scolded the old fox secretly, and laughed dryly along with him.

"Why, Shi Kui still owes Director Zhao money?"

Zhao Xiaocheng said: "Even if I owe you, I won't admit it, ha!"

After sending Zhao Xiaocheng away, Wang Chong went to the head office and reported the incident to Lin Tianhua.After listening to Wang Chong's report, Lin Tianhua's heart fell to the ground. At this critical moment, Donghua Bank could no longer stand any troubles, otherwise Lin Tianhua would be a sinner of Donghua Bank.

Lin Tianhua chatted with him for a while, then changed the subject, and asked, "Wang Chong, our bank is undergoing a shareholding reform recently, and the director's office is too busy with work recently. I need someone from my side. I have thought about it and want to get you It is recommended to work with the director's office, do you have any ideas?"

The board of directors is subordinate to the board of directors and is responsible to the chairman, and is not under the jurisdiction of the president's office.

Wang Chong said: "Lin Xing, my character is more inclined to be business-oriented. I'm afraid I won't be able to do things that the director does."

Lin Tianhua said, "You have a master's degree in finance from HKU, and you are also a student of Professor Luo Zhisen. I'm afraid I can't find another suitable candidate for the entire Donghua Bank except you. Moreover, participating in the share reform and listing is also a period of time for your career. Gao Guang’s experience, if you have the opportunity to join the team of Donghua Bank in the future, this experience will be even more precious. I think you don’t have to refuse.”

Wang Chong thought that was indeed the case. With his qualifications and experience, being able to enter the board of directors was like entering the Zhongshu department of the cabinet, becoming a member of Zhongshushe, and in charge of the bank's secrets.

Lin Tianhua added: "If the time is right, I will find a way to recommend you to become the secretary of the board."

Lin Tianhua made it very clear. The secretary of the board is a senior executive in the industry, responsible for the routine work of the board of directors office. He is nominated by the chairman, hired by the board of directors, and is at the same level as the team members.Lin Tianhua wanted to recommend Wang Chong as the secretary of the board of directors. The intention was obvious. After consolidating his position in the industry, he set his sights on the position of chairman.

After going through the board of directors years ago, Lin Tianhua felt the pressure.

No matter how powerful he is in the industry, there is always a chairman above him who is suppressing him, and some of his policies and strategies in Donghua Bank will be restricted. To put it bluntly, the president is actually a senior worker under the board of directors.

Lin Tianhua is an ambitious and ambitious person. Zhao Youliang has been supportive of his work all these years as the president, but there are occasional conflicts between the two, so this time he tried his best to support Wang Chong to enter the board office. Taking advantage of the opportunity of shareholding reform, leading the composition of new shareholders, and gradually increasing the control over the board of directors.

"How? How about this suggestion?"

Wang Chong hesitated and said, "President Lin, I want to think about it before answering you."

"Okay, I won't rush you either." Lin Tianhua lit a cigarette, handed another to Wang Chong, and said, "President Jianguo's internal withdrawal procedures have been approved, and we will organize a farewell party in two days, and you will also participate Bar."

Wang Chong said, "I participate?"

With Wang Chong's current level, he is not qualified to participate in this farewell ceremony.Lin Tianhua said: "Is there a problem?"

Wang Chong shook his head, "No."

Lin Tianhua hummed, "President Jianguo is now fully retired. I talked to him yesterday."

"conversation?"

"Yes, routine conversation."

Wang Chong thought to himself that this kind of routine is probably not an ordinary routine.The two fought for four years, and finally Lin Tianhua had the last laugh. This conversation should not be very friendly.

Lin Tianhua suddenly asked, "Wang Chong, do you think President Jianguo has a problem?"

Wang Chong's heart trembled. He didn't expect Lin Tianhua to ask this question at this moment. He thought of the painting hanging in Qi Zhongyuan's office, and thought of various clues. Liu Jianguo probably had a problem, but he wasn't. Such people.

Finally, Wang Chong said, "There is suspicion, but there is no evidence."

Lin Tianhua asked again, "If you were asked to testify against Liu Jianguo, would you do it?"

Wang Chong shook his head, "I won't talk nonsense about things without evidence. What's more, if people don't offend me, I won't offend them. President Jianguo has always taken good care of me, and I won't do such ungrateful things."

"Wang Chong, you were single-handedly picked up by him. I won't let you come forward in this kind of thing. You have a problem, that is, you are too straight, and you are not sophisticated enough to deal with problems, but it is not a big deal, and you can change it."

Wang Chong sighed, "I'm afraid it's not easy to change."

"President Jianguo also has difficulties. He also realized that he was being used as a gun by others. He also said this when we had an in-depth discussion yesterday."

Wang Chong heard something in Lin Tianhua's words, he is extremely smart, and after a little analysis, he concluded that the "other" Lin Tianhua said was none other than the chairman of Donghua Bank, Zhao Youliang.