The next day, Pei Donglai came to the unit, and Li Zixuan hurried over and said: "Donglai, there is a problem with a loan. Please go and deal with it with Yu Lingling."
While the two were talking, Yu Lingling came over and said, "Mr. Pei, let's go."
The two came to the parking lot, got into Yu Lingling's BMW 5 Series and drove to Jiangcheng Steel Trading Co., Ltd. Along the way, Yu Lingling introduced the company's situation.
Jiangcheng Steel Trading Co., Ltd. is a joint-stock company whose main business is steel trading. It was also a major customer of Jiangdong Bank in the past. Recently, it has not paid back according to the repayment plan, which has attracted the attention of Jiangdong Bank, and the bank has transferred it to Jiangdong Bank. Adjusted to the category of special mention loans.
The company borrowed 20 million yuan and used accounts receivable as a pledge. When the bank was about to execute the accounts receivable, the company suddenly said that it could not execute it. The reason was that when the pledge was processed, the shareholders did not agree to this. Do.
"Lingling, have you verified the files? Have you verified the seals they stamped?"
"I have verified that the stamp is consistent with their reserved seal. There is no problem with this."
"Since there is nothing wrong with the chapter, there is nothing more to say. If it doesn't work, just take the prosecution first."
The two came to Jiangcheng Steel Trading Co., Ltd. Mr. Liu of the company received Pei Donglai and Yu Lingling. Pei Donglai said: "Mr. Liu, I won't say any polite words. Let's get straight to the point."
"Mr. Pei, I like this too."
"Can I repay the loan within three days?" Pei Dong came to ask.
"With all due respect, Mr. Pei, I really can't pay it back. When I pledged the accounts receivable, the shareholders didn't agree, so you just made the loan. There's your problem in it."
"Mr. Liu, since you don't agree, why do you need to stamp it? We have verified that there is nothing wrong with the stamp, and it is your stamp."
"The seal is ours, but our accountant took it and stamped it without the permission of the authorized person."
"This is your internal management issue and has nothing to do with us."
It turned out that Jiangcheng Steel Trading Co., Ltd. did not agree to use the company's accounts receivable as pledge, and the shareholders' meeting did not agree. However, the bank felt that the risk was too great and was unwilling to issue credit loans. It required a guarantee before it could be extended.
The company's accountant quietly stole the official seal and went to the bank to handle business. Currently, the accountant has been criminally detained by the public security organ.
Pei Donglai said: "Mr. Liu, although the accountant stamped it secretly, the loan funds went into your account. You have to admit this."
"We accept this. We also discussed it yesterday. If we want to release the pledge, we can repay the loan as planned."
Pei Donglai is not stupid. After the pledge is released, it becomes a naked credit loan. Once there is a problem with the first source of repayment and there is no supplement from the second source of repayment, the loan will basically become useless.
"No, Mr. Liu, we can't release the pledge. We have to follow the regulations. If you don't make up for it within three days, we will sue you immediately."
"Mr. Pei, don't be so arrogant. Ask your manager first."
"What's the meaning?"
Mr. Liu did not answer and left with a smile.
When he came back, Pei Donglai asked: "Did our handling staff commit any illegal acts when handling this business?"
Yu Lingling: "This needs to be investigated clearly. I heard that Leng Xiaogang's hands and feet are not very clean, but there is no substantial evidence."
Leng Xiaogang is the account manager of the Key Account Service Department. He has a sly look and is the one who handled this loan.
The reason why he was not called here today was to avoid suspicion.
After returning, Pei Donglai called Leng Xiaogang to his office. Leng Xiaogang sat across from Pei Donglai with a ruthless look, with a cigarette in his mouth, "Mr. Pei, what do you want from me?"
"Tell me about the loan situation of Jiangcheng Trading Co., Ltd."
"Haven't the investigation report been written? Are you illiterate?" Leng Xiaogang laughed loudly after saying this, not taking Pei Donglai seriously at all.
Pei Donglai suppressed his anger and said again: "Please tell me about the loan situation of Jiangcheng Trading Company."
"You wait." Leng Xiaogang went out.
Five minutes later, Leng Xiaogang came in with a few pages of paper, "Do you want to read it yourself or should I read it to you?"
"That's not what I'm looking at. Tell me something I don't know."
"Pei Donglai, you're just a vice president, why are you dragging me? It's not your turn to interrogate me."
Pei Donglai pounded the table and shouted loudly: "Leng Xiaogang, let me ask you, you received 500,000 yuan in cash from Accountant Yang. I advise you to hand it over quickly, or you can wait to go to jail."
"I...I confiscated so much, I...I confiscated no cash." Leng Xiaogang was suddenly frightened and became incoherent.
Although Leng Xiaogang was a well-connected person, he didn't know Pei Donglai's background. Leng Xiaogang looked carefree on the surface, but he was still guilty in his heart. After all, he had done something illegal.
Finally, under Pei Donglai's "threat", Leng Xiaogang confessed that the loan was actually lent to Mr. Yang, the actual controller of Jiangcheng Steel Trading Company, to deal with personal debts, and it was only borrowed in the name of the company.
At that time, other shareholders of the company did not agree to this, but Mr. Yang instigated the accountant to steal the official seal out of the bank to handle related business.
According to formal procedures, there should be a shareholders' meeting resolution, and all shareholders must sign and agree, but the bank did not have this thing. Leng Xiaogang colluded with the other party's accountant and finally released the money.
Leng Xiaogang received 300,000 yuan in this matter, which is suspected of constituting the crime of bribery by non-state personnel and illegal lending.
After Pei Donglai reported the matter to Li Zixuan, Li Zixuan asked, "How do you think we should handle it?"
"Report the crime."
"This will have an impact on the reputation of our bank."
"If it is not dealt with, more Leng Xiaogang will come out in the future."
Li Zixuan felt that what Pei Dong said made sense, and the two reported to the board of directors together. In the end, the chairman agreed with Pei Dong's decision to report the case.
In the end, Leng Xiaogang was taken away by the police, and the bank also fired Leng Xiaogang according to regulations.
Li Zixuan had long disliked Leng Xiaogang, but was afraid of his relationship and could not be cruel. Pei Dong came to help Li Zixuan eradicate this cancer, and Li Zixuan was still very grateful.
In an institution like a bank, there are all kinds of people, and there are many people with resources and backgrounds. It's hard to offend anyone unless you can completely bring them down, otherwise it's better to be careful.
Pei Dong had suffered losses and been beaten before he came, so he was very careful in his dealings with others.
In any industry, there are at least two rules. One is clear, with rules and regulations laid out there, which is easy to understand; the other is dark, which is difficult to understand. This is also where many people fall over. Just like Pei Donglai before, despite his ability to work It's very strong, but it doesn't exist.
