Rebirth of financial migrant workers

Chapter 165 The business situation is not good
Generally speaking, false statements by accountants will disrupt the economic order and are typical violations of laws and disciplines.

However, at a certain period in the Flower Country in this novel, the financial system of small and medium-sized enterprises was not rigorous, and business owners would order financial personnel to take advantage of loopholes by 'making' tables.

In this way, a company will often have several sets of statements, some for the boss to see, some for the bank, and some for the tax department.
Banks do not require companies to indicate the preparer and reviewer when providing statements, so financial personnel usually delete this information out of guilt.

However, the tax bureau in Shuanghe Province clearly requires that the company's reports must contain the preparer's information, so Wang Chunliang deliberately found an excuse to ask for the tax returns of three companies, Weixin Steel Trading, Hongyuan Steel Trading, and Hengyuan Steel Trading. Report.

Every financial staff member has his or her own style when making tabulations. Last night, when Wang Chunliang first looked at the statements, he suspected that the tabulations for the three companies were made by the same person. Now that he saw the signatures, it turned out to be the case.

He smiled and asked seemingly casually:

"Mr. Yu, does your company have an accountant?"

"Accounting? No, it's so unsafe. The company's finance staff has been with me for more than ten years, and you're an old employee." Yu Weixin waved his hand and said.

Wang Chunliang nodded, probably having an idea in his mind.

Under what circumstances will the tabulators of several companies be the same person?
Or everyone happens to share the same accountant.

Either these companies were originally just a few shells of a team of people.

From a bank's perspective, the second type is called affiliated enterprises, and affiliated enterprises must not apply for joint guarantee loans.

Wang Chunliang saved the electronic report to his draft email without leaving any trace, and then closed the computer.

Wen Jing saw that Wang Chunliang had been asking questions and felt that he had stolen her limelight. She was obviously the next corporate manager appointed by President Ni, how could the business owner nod and bow down to others and take the position as the leader.

Then she couldn't help but ask: "Excuse me, does the company not pay dividends every year?"

Wang Chunliang shook his head silently. The report may not be the truth.

But then again, this detail is completely in line with the approval preferences of the Credit Approval Department of Mule Bank Hedong Branch, because Cui Changsong has emphasized many times in various credit trainings that if small business customers still have money to pay dividends to shareholders, it means they are not in urgent need For loans applied by such enterprises, the branch's credit review department will not approve them in principle.

Wang Chunliang glanced at the application materials and estimated that this report was probably processed by insiders of the branch.

Yu Weixin made tea for the two of them and patiently explained to Wen Jing:

"Now the steel trading market is in full swing. Everyone is trying their best to grab the plate. How can we distribute dividends casually? If we have money, we will continue to expand the scale."

"Mr. Yu, you have a warehouse in Beiguang Steel Market, right?"

"Yes, we rented the 05 library."

Wang Chunliang: "Can you take us to see it?"

Yu Weixin's facial expression was a little unnatural: "Mr. Wang, you also know that we are working on construction site advances, so we don't have much steel stored in the warehouse. We usually pull it directly to the construction site."

"Hmm, I see that the receivables object in the account details of the report is Shuanghe Land. Which project is it? Would you like to take us to see it on site?"

"Ah, this is not a coincidence, the steel supply project is in Huaixi City."

Wang Chunliang said "hehe". He called the second lady last night and received a text message from her this morning. Shuanghe Land had no supply records from Weixin Steel Trading.

Wang Chunliang deducted the loan materials and continued to ask: "Mr. Yu, tell me what your real sales were last year?"

Yu Weixin stretched out his right hand and made a 'six' sign.

"6 million?!" Wen Jing said in shock.

"Ahem, 60% of the report figure"

Wang Chunliang shook his head: "But the invoice certificates you provided are too far off." Yu Weixin closed the door and lowered his voice and said: "We have a piece of business that is not invoiced, which accounts for about 50% of sales."

"Can businesses without invoicing be included in the report figures?"

"Isn't this just to comply with your bank's approval habits?"

Seeing that Wang Chunliang's expression was unclear, Yu Weixin hurriedly added: "Mr. Wang, you can take a look at our bank records. The transactions are very frequent, and the credit amount is several hundred million a year. This can fully prove the sales volume. Bar!"

Wang Chunliang smiled and did not reply. When it came to bank statements, most of them were from personal accounts. If statistics were strictly based on bank standards, at least 90% of the amount would have to be deducted.

"Mr. Yu, finally let me see the account books and supply receipts."

Wang Chunliang took a sip of tea and pointed with his right hand at the materials placed prominently in the cabinet.

Yu Weixin looked happy and took back the materials. When he handed them to Wang Chunliang, he also introduced the contents of each part of the list in detail, looking confident.

There were fewer and fewer voices in the room, and the sound of the beating second hand of the clock on the wall could be clearly heard.

Wang Chunliang crossed his legs, following the rhythmic shaking of the second hand, and the speed of flipping the ledger in his hand gradually increased.

The account book is well compiled, neat and consistent, with clear data and more than enough mistakes for inspection. The only shortcoming is that it looks too much like it was written by the same person and the same pen on the same day, which violates the true rules of accounting.

"Hey, why did you two arrive? The leaders have been waiting for a long time!"

At this time, Yu Weixin led the two people outside the door to Wang Chunliang and introduced:
"This is Cheng Zhiwen from Hongyuan Steel Trading, and this is Lu Qingfa from Hengyuan Steel Trading."

Seeing that the bosses were about to start a conversation with Wang Chunliang again, Wen Jing frowned, took a deep breath, reached out to the other party before him, and introduced herself:

"Hello, Mr. Cheng and Mr. Lu, I am Wen Jing, the head of the corporate department of Sanlimiao Branch."

"Mr. Wen is young and beautiful, and deserves to be a heroine."

“President Ni has so many talented people at his disposal, which is really enviable.”

Wang Chunliang waited patiently for a few people to finish greetings before starting to talk, and the topic returned to the loan itself.

"The total amount of this joint guarantee loan for the three companies is only 2000 million yuan. Don't worry, Manager Wang. Each of our companies can easily come up with this much."

"Ah, visiting? Oh, unfortunately, the office is being renovated at this time. I will pick you up personally, Manager Wang, in a while."

"Well, yes, yes, we are also doing advance payment."

"Yes, it's the construction site of Shuanghe Real Estate, but it's also out of town. I'll invite you to the site when I have the opportunity."

At 11 o'clock in the morning, Yu Weixin quietly walked out of the office, glanced at the people talking in the room, and gently closed the door.

He went down to the hiding place on the first floor and took out his mobile phone to make a call.

"Boss, the man named Wang asked me several questions."

"That's not true. He has no objections."

"Well, he has a good attitude, so it should be fine."

"Okay, let's make arrangements for lunch at Riyue Private Kitchen. I'll go pick you up now."

"It doesn't cost money, it doesn't cost money, haha."

(End of this chapter)