Rebirth of financial migrant workers

Chapter 217 Mysterious Figure
As we all know, loans are generally earmarked for specific purposes.

The rationality and appropriateness of the use of loan funds are important considerations for bank approval.

After the bank issues a loan to the loan application customer's account, the funds cannot be used freely, but need to be paid according to the purpose of the loan application.

The payment methods of corporate loans are mainly divided into two types: entrusted payment and independent payment.

Since self-payment is limited by the amount and post-loan supervision is cumbersome, banks generally rarely allow small businesses to use this payment method, so I won’t go into details here.

The so-called entrusted payment, as the name suggests, means that the bank will pay the loan funds to the borrower's transaction partner that meets the purpose stipulated in the contract based on the borrower's withdrawal application and payment entrustment. The purpose is to reduce the risk of loan misappropriation.

As a special group, small businesses have great changes in the payment behavior agreed with upstream and downstream companies.

In order to facilitate business and reduce the possibility of quarrels with supervision, banks often acquiesce to small businesses only completing formal entrusted payments.

Take Weixin Steel Trading as an example. The purpose of its loan application is to pay for steel products to Hongyun Steel Trading.

Therefore, after the loan was issued, Accounting Chen paid the funds to the other party through transfer at the counter in accordance with the entrusted payment requirements, which complied with the bank's pre-loan and post-loan requirements.

But in fact, Hongyun Steel Trading and Weixin Steel Trading have no real business dealings, and the contract signed is just a show.

After this loan is entrusted to be paid to Hongyun Steel Trading, it will eventually be transferred back to the lay accounts of Yu Weixin and Weixin Steel Trading in multiple batches in various forms.

The professional terminology for this step in banks is 'loan capital return'.

The backflow of loan funds is a phenomenon that occurs in most small businesses. As long as the direct flow of loan funds from the loan entrusted payment recipient's account to the loan company's own bank account occurs, which is obviously unable to cope with supervision, banks will often turn a blind eye. One eye.

According to convention, the funds returned by Weixin Steel Trading should be consistent with the transferred account, that is, the loan amount, but the reality is that it is 30% less.

And not only Weixin Steel Trading, the other two companies also happened to lack this proportion of funds.

Based on Wang Chunliang's previous series of investigations, Sister Jun had reason to speculate that the money might have been paid to Ni Zheng and President Han as a benefit.

Wang Chunliang hugged Sister Jun tightly, smelled the scent of shampoo on her hair, closed his eyes and let his mind go.

After a moment, he replied:

"Normally, the benefit fee for a 2000 million yuan loan will not be less than one million. Based on existing evidence, it is estimated that it may actually be as high as six million.

With such a large amount, cash transactions will not be used when paying to Ni Zheng and President Han, and there are no cryptocurrencies in the country at this time.
Therefore, the only way to pay is through account transfer.

However, Yu Weixin and the others were not stupid and did not transfer money directly to Ni Zheng through their own or company's accounts. "

Sister Jun nodded and compensated:
"Hongyun Steel Trading is a loan customer of Gumiao Branch. I found out before that their boss and Yu Weixin are just friends. This time, they just lent their account to Yu Weixin to facilitate the loan payment.

Under such circumstances, Ni Zheng would definitely not agree to allow the benefit fee to be transferred directly from the unfamiliar Hongyun Steel Trading account.

Because in that case, it would easily arouse the suspicion of the outsider, the boss of Hongyun Steel Trading. "

Wang Chunliang opened his eyes, his eyes shining brightly:
"We checked Yu Weixin and his associated personal and corporate accounts at night and found no funds directly transferred back from Hongyun Steel Trading. The source of the loan return funds was two unfamiliar personal accounts."

"Well, I guess this is the case. After the loan funds were transferred to Hongyun Steel Trading, they were then transferred to the personal accounts of the two strangers. After the fees were paid, the two accounts finally transferred the funds back. To Yu Weixin’s relevant account.”

Sister Jun squeezed her head into Wang Chunliang's arms and continued to ask:
"But who are these two strangers? It would be great if we could get the running information of their personal accounts."

Wang Chunliang reached out and slapped the opponent's butt hard, and said with a smile:
"We are not judges of the court, so how can we inquire about other people's lay accounts. However, since we can safely use their personal accounts to withdraw money and pay benefits, it means that either these two people are 'own members' of their gang, or they are Yu Weixin and others took control of bank cards and online banking in the names of immediate family members.

Yes, do you remember the names of those two people? "

"Forgot, your computer stopped working before I even took a look. What are their names?"

"Sorry, I don't remember it either. I just remember that the name is quite distinctive."

"Why has your memory declined so much during this period? It's not like you said on the Internet that you overcharged."

As a veteran bank practitioner, Wang Chunliang had no doubt that these two people would be professional money launderers.

Not only would that be expensive, but it would also be extremely revealing.

Data shows that in addition to having their own bank cards, small business owners often also have bank cards belonging to their parents, spouses and children.

Therefore, Wang Chunliang had been more inclined to speculate that these two people were direct relatives of Yu Weixin and others.

However, further verification of the accuracy of the speculation has been suspended due to the impact of the computer strike, and the in-depth decryption activities will have to wait until tomorrow to ask the Science and Technology Department to send someone to repair the computers before they can continue.

As for what needs to be done urgently now, it is to verify that what Sister Jun just said, 'too much' is completely nonsense.

Wang Chunliang turned over and pinned the opponent underneath him.
The next morning, in Xingzhu's office.

"Are the files still there?"

As soon as the maintenance staff walked out of the office door, Sister Jun couldn't wait to grab the mouse and look for the documents she had processed yesterday.

After seeing several Excel sheets intact, she breathed a sigh of relief, then opened the file to look for the names of the two mysterious people.

"Bian Guangxiu, there are not many people with the surname 'Bian'. Is there another one named Chen Guanxi, Edison Chen?"

Wang Chunliang replied while typing on the keyboard of Sister Jun's computer to make inquiries:

"These two people are not in our bank's credit system, which means that they have never applied for loans with our bank, and they are not related persons of our bank's credit customers."

"what should I do then?"

"While Ni Zheng is still out of town, I have to go out and find a way to find out the true identities of these two people."

"Then I'll go with you"

Wang Chunliang held down Sister Jun who was about to get up and explained:
"You stay in the branch and help me cover up and deal with Ni Zheng's inspection and Qu Lingyun's surveillance. If I find any information, I can give it back to you in time and let you help verify it."

After convincing Sister Jun, Wang Chunliang hurriedly left the branch.

He took out his phone and pressed the number key.

"Are you at home or in the office now? I'm going to find you now."

(End of this chapter)