Rebirth of financial migrant workers

Chapter 164 The tabulation accountants of three companies are actually the same person?
Beiguang Steel Market was built in 2006 and is located in the northernmost part of Hedong City, close to the Hedong Ring Expressway.

It is the largest steel trading market in Shuanghe Province, with relatively complete logistics and warehousing facilities. It is also the main trading place for sales and procurement of many steel mills.

During the hottest years of the domestic real estate market, more than 700 steel trading companies settled in Beiguang Steel Market, with an annual steel throughput of 350 million tons.

There have been one legendary family history after another here.

For example, a customer surnamed Li had been working in the traditional retail industry for many years and his capital was running low. In anger, at the end of 2006, he mortgaged his only residence to the Gumiao branch for a loan of 60 yuan.

He used another 10 yuan to seal a red envelope and gave it to the then president of the Gumiao branch, asking him to help match him with the general manager of Hengsheng Real Estate Hedong Company, a mortgage and real estate company in the branch.

As for the amount of "labor fees" he later spent to obtain the steel supply rights for some Hengsheng projects in Hedong, outsiders do not know. Everyone only knows that in less than five years, Xiao Li became Mr. Li, with a villa under his name worth hundreds of millions. Yuan's office building was also built.

It can be said that between 2006 and 2011, most people who joined this industry made a lot of money.

After getting money, steel dealers with low cultural level began to expand, and they began to think about all kinds of evil ways. It was not uncommon to lend money, and it was common to use money to invest in unfamiliar fields to realize their dreams.

In 2012, after the Huaguo implemented a policy of severely suppressing real estate for the first time, the real estate industry entered a short cold winter. The wealthy real estate companies survived easily, but in the end, a large number of steel trading companies that were not doing their business were frozen to death.

Since then, the domestic steel trade industry has cooled down day by day, and the Beiguang steel market has never been able to regain its former prosperity.

At 7: in the morning, Wang Chunliang took the lead in stepping into the door of Beiguang Steel Market with his right foot, indicating that everything would be auspicious.

Is he really here to do pre-loan research?

of course not.

The memory of his previous life has long told Wang Chunliang that these three loans are definitely overdue, so there is no need for further investigation.

The main purpose of his visit this time was to use the name of the loan owner to find clues about the loan default to confirm the guess in his mind.

In July last year, Wang Chunliang inadvertently discovered a shocking detail in the Pegasus Machinery Loan in his previous life. After making reasonable deductions, the man behind the scenes pointed directly at President Han and Ni Zheng.

Since Pegasus Machinery has just been established and has not yet applied for credit, there is not much information to collect, so Wang Chunliang has been in a dormant state.

He has already made plans for the next step, which is to investigate the loans made after Ni Zheng took office. The focus is on those loans that were issued under the leadership of Ni Zheng in his previous life and eventually defaulted.

So when he saw the three loans from Weixin Steel Trading, Hongyuan Steel Trading and Hengyuan Steel Trading last night, he immediately became interested.

In the previous life, these three steel trading companies actually failed during the hot market period. This is very strange in itself, and the loan type was a joint guarantee loan.

What is a joint guarantee loan is a loan from three companies, and the guarantee for any one of the loans is the joint liability guarantee provided by the other two.

Since there was no collateral, the bank suffered serious losses after the loan was overdue.

This type of loan was withdrawn from the shelves less than a year after its launch. Wang Chunliang remembered that he later heard private discussions from well-informed people in the branch. It made no sense that the president of a branch that could make such a loan that "lost power and humiliated the country" did not receive a favor fee.

"Manager Wang, have you been here?"

Wen Jing, who spent a long time parking the car, came over, patted Wang Chunliang on the shoulder from behind and asked.

Although he had been to this market many times in his previous life, this was the first time in this life, so Wang Chunliang shook his head and said casually: "I've never been here before, so please lead the way."

Wen Jing opened her mouth wide: "Huh? I haven't been here either."

Wang Chunliang: "?"

The lead account manager and chief investigator had never even been to the client's production office. Wang Chunliang no longer knew what to say. Forget it, she was Ni Zheng's confidant, so there was no need to waste her breath.

Wang Chunliang took out the social media that he always had in his bag and quickly found out the address of Weixin Steel Trading. When the two of them got closer, they saw that the door was closed.

Wen Jing originally planned to sleep until eight o'clock before setting off, but she was woken up by Wang Chunliang's call before six thirty. At this time, she was turned away. She was full of resentment and her tone was very dissatisfied: "I said it, seven o'clock It’s too early to set off, I don’t know what you’re in a hurry for!”

Wang Chunliang looked at the businesses around him that were open for business early and chuckled. The later he arrived, the more time he had for customers to cover up and beautify. Only by rushing to the scene before customers could he discover first-hand information.

After waiting for about twenty minutes, Yu Weixin, the legal representative of Weixin Steel Trading, finally arrived.

He apologized while unlocking the door: "Oh, I'm sorry for being late. You guys came too early."

Wang Chunliang explained with a smile: "President Ni asked us to come to you first. We need to go to two other companies later. Time is a bit tight, so we won't be able to do it early."

"Ha, there's no need to bother. Mr. Cheng from Hongyuan Steel Trading and Mr. Lu from Hengyuan Steel Trading will be here in a minute. One of their two companies is in the south of the city and the other is in the east of the city. You won't be exhausted if you all go there. "

Wang Chunliang frowned slightly, but quickly restored his smile. He followed the other person up to the second floor and entered the office, seemingly casually walking around among the eight desks.

By touching the dust marks left on the table with his fingers, he had already deduced that there were only two or three people who stayed at the workstation all year round.

"Mr. Yu, are you responsible for advancing construction site funds?" Wang Chunliang interrupted the other party's endless bragging and asked politely.

"Hey, Xiao Wang is always an expert. We are indeed doing advance financing, which is very profitable."

Wen Jing interrupted and asked, "What are electrons?"

Yu Weixin: "You can understand that we first bring the steel to the construction site for the housing company to use, and finally collect the steel payment and interest as agreed in the contract."

Wang Chunliang continued: "I am just a layman. I was a little confused when I read your statement last night. I think the advance funds should be included in other accounts receivable instead of accounts receivable."

Yu Weixin scratched his head: "I don't quite understand the contents of the report. You have to ask our accountant. I'll call her to come over."

Wang Chunliang: "Don't bother me. Why don't you show me the tax statements submitted by the company when paying taxes?"

"Well, the tax report amounts are very 'conservative', isn't that appropriate?"

"What you give to your boss, what you give to your bank, and what you give to tax officials are all different. Everyone understands them. I just look at the ideas for preparing the tax report, and don't delve into the specific figures."

Yu Weixin took out a stack of statements from the cabinet, took two out of them and handed them to Wang Chunliang, and then said enthusiastically: "Let's do this, I'll ask their two finances to take photos of the tax statements and send them to the mailbox, which will save you a lot of running. trip."

Ten minutes later, two sets of electronic statements and one set of paper statements were placed in front of Wang Chunliang.

The corner of his mouth raised slightly. As expected, the signatures of the tabulators in the lower right corners of the three reports were indeed signed by the same person.
(End of this chapter)