Rebirth of financial migrant workers

Chapter 139 brought the family tree and proved his innocence
"No, no, no, you must not have been an account manager for a long time. The credit report shows that Hengda has provided external guarantees of 401 billion yuan, of which 382 billion yuan is a guarantee for its subsidiaries, which is an internal guarantee. Usually we do not It will be strictly required that the amount of guarantee in the system must be less than the owner’s equity of the enterprise.”

According to loan logic, net assets (generally owners' equity) represent the company's maximum solvency, and should be greater than the sum of all direct liabilities (loans) and indirect liabilities (external guarantees) of the company. This can ensure that in the worst case, banks and Other creditors can still call in the loan.

However, before 2010, commercial banks did not pay much attention to the indirect liabilities of enterprises. They often turned a blind eye to the high external guarantees of large group companies and were perfunctory, let alone the priority. Lower-level guarantees for subsidiaries.

Therefore, after Wang Chunliang raised the above question, Quan Zhi'an didn't care, and even wanted to laugh a little, so he began to speak from experience.

Wang Chunliang snorted, clicked the mouse, and quickly flipped through the PPT: "This is the latest version of the loan guidelines issued by the head office in 2002. Chapter of the loan calculation clearly states that indirect liabilities include all external guarantees. Note that the document uses ' All in two words."

Luo Tuzi: "But."

"No buts!" Wang Chunliang interrupted directly, switched to PPT and continued, "Please look at the screen, this is a non-performing loan that occurred recently in Elephant Bank. The credit-granting enterprise is also a group customer. The asset size and sales revenue of the enterprise when applying for the loan These are all considerable, causing the account manager to ignore the fact that the guarantee for the subsidiary is too high. The final consequence is that the subsidiary is insolvent due to poor management, and the parent company is also dragged down by the huge guarantee amount."

Vice President Gao spoke first before other review committee members: "This is indeed an area where our bank is prone to neglect. Nowadays, there are more and more creditors adding guarantees to the debtor's parent company, which has to attract our attention. General Manager Zhuge, After the meeting, your credit department and risk department will take the lead and issue a supplementary document as soon as possible to emphasize the strict control of indirect liabilities during pre-loan investigations."

Zhuge Yue nodded: "Okay, but the issuance of new documents needs to go through a discussion and meeting process, which will take at least two weeks. Therefore, the two loans discussed at today's loan review meeting should be regarded as temporarily not applicable."

Seeing that Vice President Gao was about to lose his temper, Quan Zhi'an stood up on the stage at the right moment. He first glanced at his phone, and then changed the subject:

"Since we are now discussing the risk of loan application customers, there is one thing that I have to mention. It is said that Shuanghe Real Estate was reported to have illegal financing by affiliated companies. You must know that this kind of behavior is very bad."

Kang Shuai, who was sitting at the review committee table, gave a compliment: "Don't talk nonsense. We haven't seen any regulatory documents mentioning this matter. Do you have any evidence?"

Quan Zhian pointed to the door of the auditorium and saw a middle-aged man who looked like a leader leading another young man who looked like a secretary into the venue.

This middle-aged man Wang Chunliang is no stranger. He is Director Geng of the Provincial Banking Management Center who is the special judge in the master's graduation pre-defense.

Bank leaders in the front row of the venue recognized the person and stood up to welcome Director Geng.

But they are murmuring in their hearts. Unlike the Financial Routine Office, the Banking Regulatory Center directly supervises banks. Is it inappropriate for leaders of regulatory agencies to participate in pre-loan discussions with banks?
Who invited this disaster star?
Director Geng came to the first row, shook hands with President Ning warmly, and said apologetically: "I'm sorry, there was a meeting that just ended in the morning, so I came a little late."

Director of the Financial R&D Office patted President Ning’s arm and added: “This loan review meeting is the first of its kind in Shuanghe Province, so I thought about calling all the leaders in charge of bank supervision and coordination services in the province. Study and study, President Ning, do you mind?"

President Ning replied with a smile: "Welcome very much. Director Geng can take time out of his busy schedule to come to our bank to guide our work. We are really grateful for it. Please take a seat." After Director Geng took his seat, he asked the secretary of the loan review committee what he wanted. Use a microphone: "When I entered the venue just now, I heard someone on the stage mentioning that Shuanghe Land was reported. I may have a say in this matter. First of all, our Provincial Banking Management Center did receive a report a few days ago. , or multiple people report it.”

"Ah?" The audience at the scene burst out with exclamations, and the originally peaceful venue was immediately drowned by the noisy discussion.

"It's broken. The big boss came to endorse it. Shuanghe Land is basically a solid deal."

"If this is confirmed, it would be a miracle if we don't apply for any loan."

"Actually, I would like to say that all real estate companies will basically apply for working capital loans illegally, but this kind of thing cannot be brought to the table, especially in front of supervision. This is really building a sidewalk in the toilet - a dead end!"

"Ahem, Director Geng, hello, we meet again." Wang Chunliang's voice came from the microphone on the stage, and the audience who were whispering gradually became quiet.

Director Geng adjusted his glasses, stared at Wang Chunliang for a long time, and finally realized: "Oh, are you that little Wangkou from Shuanghe University?"

Wang Chunliang interrupted in time before the other party could say 'Yeah': "Director Geng, I have also heard about the report you mentioned about Shuanghe Real Estate. It is said that the reports came from Huaixi and Yishan. The companies are Huaixi Jiufu Trading Co., Ltd. and Yishan Guyue Trading Co., Ltd."

"Yes, these two! The whistleblower claimed that the legal representatives of these two companies and Xia Minghui, the actual controller of Shuanghe Real Estate, are related to each other. The working capital loans borrowed by the two trading companies were actually misappropriated to Shuanghe Real Estate for real estate development. This This behavior seriously violated the requirements of "strictly investigating the idling of funds and illegal inflows into real estate" in the State Administration's Document No. 27. Since it was reported in real name, and the legal representatives of the three companies involved were all surnamed Xia, it attracted the attention of the Provincial Banking Management Center. We Special personnel have been arranged for on-site investigation”

"Well, Director Geng, interrupt me again. As far as I know, the whistleblower claimed that the grandfather of Xia Yuanzhi, the legal representative of Huaixi Jiufu Trading Co., Ltd., is the father of Grandpa Xia Minghui. This kinship relationship is a bit complicated, but it doesn't matter. Today The person involved is at the scene, Erxiao Xia Man, please come out!"

With a bang, the door of the lounge was pushed open. The second lady held a book, held her head high, walked cheerfully, walked straight to the front desk with an excited look, and sat down next to Wang Chunliang.

"Fuck, she's so beautiful, I love her."

"I know this beauty, Xia Minghui's second daughter."

Wang Chunliang took the initiative to open the microphone in front of the second lady and asked word for word: "Some people say that your great-grandfather has a grandson who is Xia Yuanzhi. Is it true?"

The second young lady frowned tightly: "Xia Yuanzhi? I don't know him. Is it difficult for them to be related if they are all named Xia? I have brought the Xia family's genealogy. If you don't believe me, read it for yourself!"

(End of this chapter)