In the next week, Wang Chong began to sort out the entire business of the second department. He found that except for Zhang Feifan and Li Qiaowei, the rest of the people in this group were not interested in business, and the post-loan management was extremely chaotic, and the post-loan inspection was almost done. So throughout the week, he took Zhang Feifan to classify the loans in his hands and picked three to five customers every day for on-site investigation.

After a week, he found that there were several seemingly unrelated businesses in the micro-business of the Second Department of the Chengdong Branch. After the loan funds were entrusted to pay, they were eventually transferred to the same personal account named Pang Xiao. After checking through the Legal Document Network, Pang Xiao had several private loan-related information.

Wang Chong roughly estimated that there were about twenty transactions, with an amount of about twenty million yuan, and Zhou Yuntao's loan was also included.

Wang Chong used the reason to check the files and transferred 100 files to inspect them. This investigation found that many of the loan application materials were false materials.

Although these loan forms are normal and repayment is carried out on time, Wang Chong could see at a glance that there are problems with these businesses and there are big problems. In the preliminary judgment, it is very likely that someone used false information to lend out the bank's money at low interest costs, and then transferred it to private lending companies to release money outside (Note: usury).

After checking loan information, these businesses were done by someone named Li Yang. The approvers were Li Qingquan and Gu Tiande. Now that Li Yang has resigned, these business managers are all attributed to Zhang Feifan.

Wang Chong put these information in front of Zhang Feifan, and Zhang Feifan's face changed.

"The other account managers of Li Yang are willing to take over this group of account managers. Director Li said that I just came and didn't have much business under my control and the assessment pressure was too high, so I assigned this group of account managers to me. I was still thinking that as long as I do another 10 or 20 million new business, I can be promoted to a third-level account manager. It seems that Li Qingquan is not kind enough."

Wang Chong analyzed, "There are nominal problems with these loans, but keeping them is always a hidden danger. I suggest you go and find the resigned Li Yang first and see what's going on."

Zhang Feifan was a little worried. Although he didn't do the loan, if something really happened, it would be very likely to add a disgrace to his resume. He said angrily: "I'll talk to these customers now and get the loan back in advance."

Wang Chongxin said that he was still too young. If these conflicts were really exposed, it would be very likely that he would have a concentrated outbreak of bad things after the expiration. He was the one who was in a hurry at that time. So he advised, "Don't worry, they don't know that we have discovered the problem, and we still have room for maneuver."

Zhang Feifan said anxiously, "Are we just ignore it?"

"Of course not. Zhou Yuntao still owes us 110,000 yuan in penalty interest. We can use him as a breakthrough to further understand the situation."

Wang Chong did not tell him that he advocated investigating Zhou Yuntao's loan. Another purpose was to find out who encouraged Zhou Yuntao not to repay the loan, and later helped him to erase the overdue information on the credit report record. Intuitively, he told him that there was some vague connection between Zhou Yuntao's overdue and Sheng Hongfei's anonymous text messages. As long as you find out this, you can find the person who sent the anonymous text messages, and then follow the clues and find the person behind the scenes.

Wang Chong asked, "Who is responsible for entering and uploading Zhou Yuntao's overdue credit record?"

"The customer's repayment records are automatically exported by the system. After verification, we will upload them to the head office. In the middle, they will be approved by Director Qingquan and the head office's credit management team. The head office will upload them to the People's Bank of China credit reporting system. Zhou Yuntao's loan is overdue, and we upload them truthfully. Director Qingquan does not have the authority to modify them."

"In other words, someone in the credit reporting management team conducted manual intervention on Zhou Yuntao's credit record." Wang Chong analyzed, "There are only four or five people in the head office who have authority. This is a clue, and we can follow the upward investigation."

Wang Chong did not have the authority to investigate, so this matter could only be done by Lin Tianhua.

Zhang Feifan was in a bad mood. As a credit account manager, the most feared thing he encountered was bad loans. If Wang Chong had not reminded him, if there were problems with this batch of loans in the future, he would probably not be able to escape his responsibility. He never dreamed that Li Qingquan's seemingly unintentional protection would have left him in a quagmire.

"Okay, don't worry about being afraid." Wang Chong comforted, "The general comes to block the water and soil. There must be a road before the car arrives. It's not too early, so go back and rest. Also, you report the business of the New Hope Furniture Factory to me in the afternoon. I'll take you to inspect tomorrow."

Zhang Feifan said, "Just Qiaowei and I can go."

Wang Chong smiled, "Are you embarrassed to let a pregnant woman who is seven or eight months pregnant appear with you? Go back and study their loan information carefully to see if there is any problem."

Zhang Feifan did not go home after get off work, but called Li Yang, who resigned a few months ago. Li Yang joined Donghua two years earlier than him. A while before leaving, the two worked together. Zhang Feifan learned a lot from him, and Li Yang also took good care of him. Later, Li Yang and Li Qingquan had a quarrel with each other for some reason, and quit their job in anger. Now Donghua Securities is a financial manager. Because of his similar age, the two have always been in contact.

"Brother Li, are you free at night?"

"What's wrong?"

"I want to invite you to drink."

The two made an appointment at Sophie Bar. This is a slow-shaking music bar, the weak lights and the singing of folk singers, which made the bar very popular among young people in Donghua. Seeing that Zhang Feifan had been drinking, Li Yang asked, "What happened?"

Zhang Feifan said, "Brother Li, why did you leave Donghua at the beginning? Was it because of a quarrel with Director Qingquan?"

When Li Yang heard Li Qingquan, he looked disdainful, "It's not because of the loan. The entire Chengdong Branch knew that this guy was messing around outside. When he first entered Donghua, I didn't know much about the way. He fooled me into doing some messy business. Later, when something went wrong, he denied it and put the blame on me. Such an irresponsible leader, sooner or later, went to jail for dinner. Why do you follow him? Later, I found an opportunity to argue with him and resigned."

Zhang Feifan told Li Yang the loans that Wang Chong found, "You are in charge of these businesses?"

Li Yang said angrily, "I just signed a letter. All the information was given to me by Li Qingquan. I proposed to do an on-site investigation, but he obstructed it in every way. Later, under the pressure of the assessment, I signed it. Why, something went wrong?"

"There is no problem. The new Director Wang Chong discovered this problem when he was inspecting it, but he didn't seem to have any solutions, so I asked you out to see if there is any solution?"

Li Yang said, "Wang Chong came to Chengdong Branch? Isn't he the general manager of the small and micro department of the head office?"

"I made a mistake and was handled by the head office."

Li Yang sighed, "In the entire Donghua Bank, I admire Wang Chong quite a bit. He has strong business ability, integrity and calm mind. How could he do such a thing? It's a pity. It seems that my choice to leave Donghua Bank was the right one."

Li Yang advised, "Freefan, we who do finance work and deal with money all day long are most likely to be tempted. If you accidentally fall into a place of doom, you can work decently. As long as you are willing to work hard and have a high income, I advise you as a person who has experienced it, that in finance, you must keep your original intentions and not confuse the outside world of flower and go on evil paths. This kind of money will make you uneasy!"

Zhang Feifan was sleeping uneasy all night.

This was the first time he had insomnia due to work. He fell asleep when dawn was approaching. He dreamed that there was something wrong with his loan. People in the entire Chengdong branch were accusing him. He shouted for justice, but no one believed him. In desperation, he climbed onto the 18th floor balcony and shouted loudly, "Is it only if I jumped down that you think I am innocent?"

Li Qingquan's face was disgusting, "You jump, you jumped all the time!"

Zhang Feifan jumped down...

Zhang Feifan suddenly woke up, covered in sweat. He looked up at the time. It was only 4:30 in the morning that he had slept for less than two hours. He took a cold shower and sat in the room to smoke until dawn.

The next day, Wang Chong saw Zhang Feifan's face full of fatigue, "I haven't had a good rest? Why do you have dark circles?"

Zhang Feifan answered truthfully, Wang Chong said, "I never do bad things in my life, and I am not afraid of ghosts knocking on the door in the middle of the night. Hurry up and prepare and go to the development zone to investigate customers today."

The two drove to the New Hope Furniture Processing Factory in the Development Zone.

This is a five-million-dollar loan renewal business. The collateral is ten acres of land in the processing factory. It is sponsored by Zhang Feifan and co-organized by Li Qiaowei. Li Qiaowei is pregnant and Wang Chong runs to the scene for her. Wang Chong has read this loan information before. The loan application information is perfect, and the processing factory's financial statements are also excellent. It is also a well-known small furniture processing factory in Donghua City.

However, based on Wang Chong's years of experience in his work, with the rapid development of the logistics industry over the years, many large-brand furniture manufacturers have quickly occupied second- and third-tier cities, which has caused a significant impact on the living environment of such small and medium-sized furniture processing factories and has squeezed a lot of profit margins. It is precisely because their reports are too perfect that Wang Chong became suspicious.

The furniture factory covers an area of ​​more than 50 acres, and the factory area is a little noisy, and there are various processing machinery sounds. There is not even a security guard at the door, and more than a dozen electric vehicles and bicycles are parked everywhere. Wang Chong asked, "Did you notify the customer in advance?"

Zhang Feifan said, "I called their boss Zhang Cheng yesterday."

Wang Chong didn't say anything and walked inside. No one stopped him along the way and went directly to their production workshop. The workers were working hard. Zhang Feifan called Zhang Cheng, and the other party said that he was on the way. Not long after, a Mercedes-Benz S350 drove over at lightning speed.

Zhang Feifan said, "Mercedes-Benz S350, more than one million."

Wang Chong cannot deny that over the years, Wang Chong has no feelings for luxury cars.

Nowadays, as long as the business owners are willing to take out a loan, they would rather buy a luxury car. Some bosses even live in a house worth dozens of square meters, but they also need luxury cars to support the storefront. In the past, Wang Chong thought they were slapped in the face to make people fat, but later a boss reminded him: Bosses are short of money, especially working capital. Sometimes, in order to borrow money, mortgage hundreds of thousands of working capital with luxury cars is a way to quickly cash out, and real estate cash out time is a bit long. At the same time, buying a luxury car is also a symbol of strength and a circle pass.

Zhang Feifan introduced the two.

Zhang Chengdao, "Sorry, the leader, I went to the airport in the morning to send the district leaders to do business, so I was a little late. Please forgive me!"

Wang Chong is neither cold nor hot, "The bosses are usually busy."

Zhang Cheng took the two of them around the factory and listened to him telling him how well his business was. He has received several large orders this year, and the profit was about six or seven million yuan. There is no problem with his strength. The reason for the loan is that there are too many accounts receivable, and there are many government businesses, and the payment is too slow, etc.

Wang Chong listened along the way and did not speak.

Zhang Feifan was the organizer and asked some technical questions. Zhang Cheng's answer was reasonable and he found no questions.

Wang Chong suddenly asked, "Mr. Zhang, I read the report and you have more than 10 million in stock. Can you take us to the warehouse to check it out?"

Zhang Cheng hesitated for a moment and said that we only have a small warehouse here, and more of the inventory is in the warehouse in the old city, and some of them are distributed in several furniture cities in Donghua.

Wang Chong said, let’s look at the current warehouse first.

Several people came to the warehouse behind. Zhang Cheng opened the warehouse door. In the warehouse covering an area of ​​2,000 square meters, three-quarters of the space was filled with finished furniture. Wang Chong stepped forward to check it, roughly estimated the inventory quantity, asked about the cost and ex-factory price of the furniture, and then returned it.

Zhang Cheng flattered, "I have dealt with many banks who do loans, and others come to take a quick look around. We count our Donghua Bank as the most dedicated. Mr. Wang's professionalism is admirable!"

Wang Chong smiled and didn't say anything.

As noon approached, Mr. Zhang insisted on staying for dinner. Wang Chong refused and said that he would have a meeting in the afternoon, and refused the other party's kindness. Zhang Cheng personally sent the two out and handed over two shopping cards worth 5,000 yuan. "Our loan from New Hope Furniture Factory depends entirely on the support of our leaders. A little bit of a word is not worthy of respect."

Wang Chong refused to accept it, "What do you mean?"

"No other meaning."

Wang Chong said, "Put it off, our Donghua Bank will not do this."

Zhang Cheng was calm and did not continue to persist. He took back the shopping card and said with a thumbs up, "I have found many bank loans. This is the first time I have met someone like Mr. Wang. I, Zhang, admired it!"

After Wang Chong and the others left, Zhang Chengcai breathed a sigh of relief and called his cell phone, "Director Li, they left, and the shopping card was not collected. This Wang Chong is really not a good man. If it weren't for your guidance, I really wouldn't know how to get away with it."

Li Qingquan's voice came from the opposite side of the phone, "People like Wang Chong like to seek fame. They don't make money and have a ill mind. Don't worry, I'll urge the sponsor account manager to approve it this week."

Mr. Zhang smiled with a careful look on his face, "Secretary Li, can the interest on the bridge funds be reduced again this time?"

He walked across the bridge from Li Qingquan, with a daily interest of 5/1,000, and nearly 20,000 yuan a day. All the loan information was prepared by Li Qingquan for him, including the temporary workers he hired to act and borrowed some inventory. This time, the turnover will cost at least tens of thousands of yuan.

Li Qingquan said unhappily, "The contract has been signed. Do you tell me this? I will help you urge the progress and save you a lot of money!"

...

When the two came out, Wang Chong asked Zhang Feifan, "What do you think of this loan?"

"I think this boss is quite capable. He has good relationships in society and has many orders. If it weren't for too many accounts receivable, he wouldn't need a loan at all."

Wang Chong asked again, "Are you any doubts?"

Zhang Feifan scratched his head, "I didn't see it."

Wang Chong sighed, thinking that he was still too young, so he analyzed, "As an account manager, you must understand a company from all aspects, and you cannot directly look at the superficial phenomena. First, such a large factory and so much inventory, there is not even a security guard in the factory area. Don't you think it is suspicious?"

“Uhhh…”

"Second, I don't know if you are paying attention. The locks on the warehouse are rusty. Mr. Zhang used them for a long time when he unlocked the lock. It was obviously not touched for a long time. Third, there were more than a dozen workers in the furniture factory, including sales, at most less than 30 people. However, the financial statements had more than four million in labor expenditures in the year, which was obviously unreasonable. The fourth is the furniture in the warehouse. Have you seen the furniture in the furniture factory assembled before it left the factory?"

After Wang Chong's reminder, Zhang Feifan noticed this problem. Generally, furniture will be packaged in order to save space and facilitate transportation. Although the furniture in this warehouse is brand new, it has been assembled. This is obviously deliberately placed in order to fill the warehouse.

Wang Chong said, "No matter how perfect the information is, you can only find the problem when you arrive at the scene. This is why the bank requires us to investigate the loan. Let's go, I'll take you to a place..."

“Where to go?”

Wang Chong smiled, "Check the meter!"

Zhang Feifan was confused. Under Wang Chong's guidance, he drove to the property center of the development zone. This point was about to get off work, and the property center had not much business. Several staff members were chatting. Wang Chong went up and got into trouble with a few people, and then asked, "Sister, I want to inquire about something. Can you help me check the property fees and electricity payments of the New Hope Furniture Factory in the south of our development zone over the past six months?"

A middle-aged woman in her forties said, "New Hope Furniture Factory? That factory has not yet gone bankrupt?"

"What's wrong?"
Chapter completed!