Rebirth of financial migrant workers

Chapter 93 What a coincidence, it’s Vice President Shi again
"What's the purpose of doing this?"

"Consider three aspects. First, Wan Ruidong is concealing the real reason for the loan, so we should force him to tell the truth. Second, if it is really due to civil dismantling, due to our early forcing, maybe he can still We can find the debtor and recover part of the debt; as for the third thing, it depends on Wan Ruidong's subsequent performance." Facing the confused Sister Jun, Wang Chunliang explained calmly.

"but."

Wang Chunliang pointed out the window and interrupted directly: "He's here."

The Mercedes-Benz was as fast as a spark, and stopped in the small square outside the Sanli Temple branch accompanied by a series of anxious horn sounds.

Wan Ruidong rushed into the manager's office in three steps at a time. Seeing the serious expressions on the faces of the two managers, he quickly put on a smile.

Sister Jun was very surprised and asked: "Mr. Wan, did you leave something behind?"

Wan Ruidong rubbed his hands with a flattering look on his face:
"Mr. Lijun, can the loan be disbursed tomorrow?"

Sister Jun answered while making tea for Wan Ruidong:
"It's the end of the month today, and it's still the end of the quarter. The branch may have no loan quota."

Wang Chunliang put down the document in his hand:
"Mr. Wan, what's wrong with being so impatient?"

Wan Ruidong: "Isn't this because the loan was returned in advance as requested by the leaders? Now we are encountering some temporary difficulties in capital turnover."

Wang Chunliang: "The manager of Elephant Bank just called me and speculated on some of the reasons why Miller suddenly increased its loans, including that the boss owed money for gambling, was fined heavily for tax evasion, and shareholders had conflicts and wanted to separate the company."

Wan Ruidong stood up anxiously and defended loudly:
"Impossible, absolutely impossible. Mr. Wang, don't listen to their nonsense. I'll tell you the truth, it was a friend who was not qualified for a loan and borrowed money from me, which caused Miller's financial shortage. This is an extra loan of 2000 million."

"Actually, the real situation is that Miller suddenly loaned the 2000 million to the other party at a high interest rate, right?" Wang Chunliang corrected, "Mr. Wan, if you are still being cunning, we will not be able to help you solve the problem. "

Wan Ruidong found that the word game was not successful, he looked embarrassed, and sat down obediently.

Sister Jun interjected:
"Mr. Wang, please don't be so irritable. I think Mr. Wan must also have his own difficulties. Mr. Wan, just tell the truth, otherwise it will be difficult for us to help you."

Wan Ruidong took a sip of tea and then said:

"Mr. Wang is right, I won't hide it anymore. Whatever you want to ask, I will answer truthfully."

Wang Chunliang: "Who was this 2000 million lent to?"

Wan Ruidong: "Zhou Kaifa, the boss of Best Trading Co., Ltd."

After Wang Chunliang fiddled with his phone for a while, he took out his notebook and wrote down his name, and continued to ask:

"How much is the interest?"

"Two cents (20%)."

"Wow, the loan interest rate I've heard of is only 1 cent at most, but yours is so high." Sister Jun exclaimed.

Wang Chunliang continued to ask:
"With such a high interest rate, don't you doubt whether the other party is planning to borrow it and not repay it?"

Wan Ruidong waved his hand:

"No, his real estate certificate is all deposited with me."

Wang Chunliang suddenly asked: "Mr. Wan, which leader of our branch introduced you to Best Trading?"

Wan Ruidong was obviously stunned for a moment, then slowly picked up the tea cup and took another sip:
"There is no leader that Zhou Kaifa and I have known each other before."

Wang Chunliang glanced at his phone: "Is this the branch's Vice President Shi?"

Wan Ruidong touched the watch strap with his right hand and hesitated for a long time:

"Actually, it's not really an introduction. When Zhou Fafa and I had dinner a few months ago, President Shi came over and sat for a while, but he didn't mention anything about loans."

Sister Jun interrupted again:
"Mr. Wan, are you familiar with our Vice President Shi?"

Wan Ruidong shook his head:
“We met several times when we participated in the selection of future stars of small businesses held by Hedong Branch, but if you want to say that we are very familiar with each other, it definitely doesn’t count.”

Wang Chunliang closed the notebook and said with great solemnity:
"Mr. Wan, although there are many companies on the market now that are involved in lending, the risk is very high, especially for companies like Best Trading that can reach 2% interest. You may not know why Best Trading does not have loan qualifications. That is because 11 The personal operating loan that I borrowed from Mule Bank last week has not been paid back and was finally written off. By the way, I suggest you check the current mortgage registration status of his properties as soon as possible. According to me, the properties were repeatedly mortgaged during the private dismantling. There are quite a lot of cases, and if it is protected by the court again, the loss will be even greater."

Wan Ruidong was obviously frightened by these words. He stood up and walked out the door, then turned back after a while:

"Then this loan."

Sister Jun comforted:
"Today is September 9, and there will be the National Day holiday in two days. Even if Elephant Bank collects the loan, it will have to be after the holiday. Then we will discuss the next step."

Wan Ruidongfeng left in a hurry, and Sister Jun closed the door of the office.

She walked up behind Wang Chunliang, flipped through his notebook, and asked curiously:
"Why did you guess it was Vice President Shi?"

Wang Chunliang first opened the credit system and opened the information interfaces of Zhou Kaifa and Best Trading:
"Look at the two account banks and the time that they were established in the credit system."

Sister Jun lay on Wang Chunliang's shoulder and stretched out her right hand to pull down the mouse:

"Well, Zhou Kaifa, Zhongnan Road Sub-branch, the time is 1997; Best Trading, Zhongnan Road Sub-branch, the time is 2000."

Wang Chunliang took out his mobile phone and switched to the text message conversation interface with Gangzi:

"I just asked Gangzi to find someone to help me find out that the current president of the Zhongnan Road branch from 1995 to 2000 was Vice President Shi. If you think about it, when Mule Bank wrote off the loan in 04, Zhou Kaifa's loan was not approved. In other words, this can only be done if you are at Xingxingzhu level or above.”

The above is just Wang Chunliang's backward analysis based on the results. What really made him suspect Vice President Shi was that in his previous life, he heard rumors from the branch that Melo Loan was involved with Vice President Shi.

Wang Chunliang took the lead in 'taking action' against Meile. In addition to avoiding losses caused by overdue loans, the second purpose was to recruit Vice President Shi.

Of course, none of these secrets could be told to Sister Jun. Fortunately, she had unconditional trust in Wang Chunliang and had no doubts about the reasons he deduced.

At this moment, Sister Jun's cell phone rang.

Wang Chunliang sat up, his head resting on her two cushions, and listened to her:
"Oh, hello." "That won't work. It violates the credit approval requirements." "Elephant Bank also operates in this way." "Yes, it won't work."

Sister Jun hung up the phone:
"It's Zhang Hu, the previous account manager, who came to intercede with Meile."

Wang Chunliang: "Which department of the branch has he been transferred to?"

Sister Jun: "Small Business Department."

"Which president is in charge of the small business department of the branch?"

“Vice President Shi, what a coincidence”

"Is Lijun here?" President Liu broke into the door, "Vice President Shi just called me and asked about Meile's loan. He wanted our branch to lend money to customers as soon as possible. What do you think?"

(End of this chapter)