Wang Chong couldn't help feeling frustrated. Although he knew that there was a problem with the loan and Gu Tiande would blame him, he didn't expect him to be so direct, so he said: "Governor Gu, I didn't recommend this loan at the beginning. After all, this is not a regular loan."

Gu Tiande asked, "That's the opposite, I blame me? Our industry has been ranked last in the assessment in recent years. Isn't I doing this just to make the indicators in the industry better so that everyone can get more money in the year-end bonus and have a good New Year."

Wang Chong thought to himself that the reason why this loan was able to be invested was actually related to himself. In front of everyone, Wang Chong and Lin Tianhua made a bet of 200 million yuan and put Gu Tiande on the fire. He finally had a chance. Although there were some flaws, it was a real business. If it weren't for the end of the year, there would be plenty of time to negotiate, and the final settlement would be in the end of the year. At this time, it was a bit imminent.

Gu Tiande continued, "The situation is like this now, and it is not the time to hold the responsibility accountable. Wang Chong, what do you think you should do?"

Wang Chong said, "Communicate with Tianma Group immediately. If Kangmang does not make payment, we will require Baicheng New Materials to fulfill its guarantee responsibilities. This matter must be decided immediately and cannot be delayed."

Gu Tiande nodded, "That's what I mean. You can call Zhao Xiaocheng now and discuss..."

The phone rang out. When Gu Tiande saw that it was Lin Tianhua's phone call, he quickly answered it. Before he could speak, he heard Lin Tianhua roaringly on the opposite side, "Gu Tiande, what's the situation in your Chengdong Branch? Why did you make trouble for me every few days? Do you want to do it?"

Gu Tiandedao: "Lin Xing, do you mean..."

"You still have to ask, Tianma Group Baicheng New Materials business, don't say you don't know about this."

Gu Tiande looked at Wang Chong and Su Lei, meaning to ask you to report to the head office? The two shook their heads, and he muttered in his heart, why did something happen to the front? He knew later. Is there Lin Tianhua's eyeliner in the industry?

He quickly explained: "President Lin, don't worry, I have left this matter to Wang Chong."

Lin Tianhua was already very angry with Gu Tiande because of Cai Dongquan's vote. When he heard this, he was furious and cursed: "Wang Chong? I'll ask you, is this Chengdong Branch, you are the president or Wang Chong? What are you doing yourself?"

Gu Tiande listened to the sweat on his forehead and said, "Yes, yes, I'll communicate about this matter, I'll report it to you in person." He wanted the two of them to avoid it, but Lin Tianhua hung up the phone directly.

Gu Tiande glanced at the two of them, "Why are you standing there? Why don't you hurry up and communicate with Tianma?"

Su Lei said: "Leader, President Lin didn't say..."

Gu Tiande said angrily, "The president is the president, you are you. Do your own things. You don't have to worry about anything else. You can communicate with Tianma first. I'll go to the district government to see if there is any solution."

The two walked out, Gu Tiande sat down, lit a cigarette, and fell into deep thought.

There are troubles every year, and this year there are many. In recent years, credit policies have been relaxed, and some industries with varying quality have all borrowed from banks, and the amount of loans exceeded their actual amount of money. After the maturity, these companies cannot repay the loan, so they went to intermediary institutions to cross the bridge. Gu Tiande had the authority. As a result, Shi Kui, Shi Hu and others found him, which made him taste a lot of sweetness.

There are only two sources of funds for cross-bridge loans. One is to absorb high interest rates from the private sector, and the other is to borrow low interest rates from banks. Gu Tiande privately engraved the seal of Chengdong Branch, absorbed tens of millions of deposits on the grounds of purchasing financial management, and paid interest at a monthly interest rate of 100% or 50%. Shi Kui and Shi Hu were responsible for finding customers, and both parties shared the profits equally in proportion.

As a result, Minfeng Bank withdraws loans from a company not long ago, resulting in a tight capital chain, with an eight million gap. It is about to celebrate the New Year, paying the interest to attract deposits from the private sector in the next quarter, but the money cannot be achieved. If the interest is not redeemed on time when the maturity occurs, it will inevitably cause mass panic, which makes Gu Tiande anxious and has no intention of paying attention to the business of Tianma Group.

After thinking about it, the only ones who can help him in Donghua City are Shi Kui and Shi Hu.

He took out another mobile phone from the drawer, "Boss Shi?"

Shi Kui laughed and said, "President Gu, have you time to remember me?"

Since Li Qingquan's accident, Gu Tiande felt that the fire would sooner or later on, so he didn't have much contact with Shi Kui recently. Moreover, Wang Chong is like a detective and cannot be guarded against him, so he got another number to deal with private business.

"Brother, I want to borrow some money from you."

Shi Kui seemed to know about him and said, "Come to the office in half an hour, come to the office to have a meeting."

He put on his coat and didn't need a driver, so he drove to Shikui's office by himself. In order to cover up, he parked the car several hundred meters away from the Wealth Center, put on a mask, and came to Shikui's office.

Shi Kui stood up to greet him, invited him to sit down, and said, "What, I heard that President Gu has encountered some trouble recently?"

Gu Tiande said annoyed, "Minfeng Bank is not kind, and it actually takes out loans from my client. Their new president is a bit tricky."

Shi Kui smiled and said, "The situation has not been good recently. Some companies have to cross the bridge to get loans, so we dare not give them randomly. As a result, the money is lying on the account and we have to bear high interest rates, so life is not easy."

This is the truth, but Shi Kui just recently got 40 million from Tianma Group, which is equivalent to making a fortune by making money, and in fact it is not as bad as he said.

In addition to this, they also control the Xiaoyao Financial Management App through an irrelevant company with Tianma Group. Now the platform has raised nearly 200 million yuan in financing.

After the 913 case broke out, they promptly divested their relationship with the company. The money was scattered among thousands of accounts, some of which were targeted by the Economic Investigation. They did not dare to act rashly. They were trying to find ways to bypass foreign exchange controls and registered several offshore trading companies in Cayman and the Virgin Islands to transfer funds abroad.

They and Tianma Group were contacted through Zhao Xiaocheng and a mysterious person. If Qi Zhongyuan and Shi Kui were not for the equity transactions of Donghua Bank, they would not even meet. Both of them knew this clearly, but no one could point it out.

Gu Tiande directly said straight to the point, "Brother, I've been a little nervous recently and I can't turn over the funds. I want to borrow some money from you to use it."

“How much is needed?”

Gu Tiandedao: "Three million, one month."

Shi Kui pondered for a moment, "Three million is not a small amount. Brother, you know that my money costs are very high. According to industry rules, it will be 1,300."

The 1,300-3 million yuan per month refers to the interest rate of 270,000 yuan. The annual interest rate is more than 100%. However, generally those who use this kind of funds are borrowed in short term, and rarely exceed one month.

Gu Tiande secretly cursed the vampire in his heart, but the industry is like this. Now he has something to ask for, so he had to whisper: "Brother, this is not the first time we have cooperated. How about giving a discount of 1,000 yuan?"

Shi Kui smiled and said, "Brother, are you kidding me. Brother, my money didn't fall from the sky, and you can't provide enough collateral guarantees now. If you are familiar with it, you don't do this by doing business."

Suddenly, a thought flashed through his mind, "Unless..."

"Unless what?"

Shi Kui approached Gu Tiande's ear and whispered a few softly.

Gu Tiande's face changed drastically when he heard this, and said, "No, absolutely not. Among the 30 bank employees, we are prohibited from doing business, and we are not allowed to participate in pawnshops, micro loan companies, and investment companies. If it is found out, I am afraid that my qualifications will be revoked."

Shi Kui sneered, "President Gu, if all your messy things are found out, it may not be a problem of revoking your qualifications. Donghua Prison has booked a room for you. I want to get the money, but I don't want to pay the price. Where is such a good thing in the world? Do it, or don't do it?"

"Don't do it!"

Shi Kui smiled and said, "Then I'll give you another clear way. Recently, we will do a soybean import business and want to use your branch to trade letters of credit. Of course, there may be some flaws in the company's procedures, but we will pay the full issuance deposit, which may require some help from President Gu."

Although Gu Tiande is not smart, he also knows that 80% of such letters of credit are virtual international trade to transfer money abroad. This is one of the most serious money laundering crimes in financial crimes. Although he is stupid, he also knows that this is a regulatory minefield and will undoubtedly die once it is touched. However, this operation is very concealed and is one of the important means of illegal asset transfer in recent years.

Seeing that Gu Tiande didn't speak, Shi Kui asked, "What's this suggestion?"

“Not what.”

Shi Kui laughed, "President Gu is so interesting. You came to me to borrow money, but there was no sufficient mortgage for the assets. I gave you two ways, but you didn't choose. Are you here to tease me?"

"No, it's just that these two things are too risky."

Shi Kui said coldly, "We do investments and you do loans, just dealing with risks. Only high risks can lead to high returns. President Gu, you are considering it."

Gu Tiande came out of the center of wealth and was shivered by the cold wind. The sky was cloudy and the entire city was shrouded in it, just like a monster, as if he was about to swallow him up.

He pulled the collar to block the cold wind, put on the mask again, staggered and disappeared into the street.

...

Tianma Group reception room.

"Director Zhao, we are here to inform you that Donghua Kangmang Economic and Trade Co., Ltd. did not pay interest on time last month, but today it has been overdue. After we learned about the situation with the other party, we found that the other party's company no longer has the actual operation ability and cannot repay the loan. According to the loan contract, we announced that the loan will expire immediately. Since your company used the 200 million yuan deposit in our bank as a guarantee, please fulfill your guarantee obligations."

Wang Chong found Zhao Xiaocheng and directly explained the reason directly.

After listening to him quietly, Zhao Xiaocheng said with some confusion, "Our Baicheng New Materials Company is just the entrusted payer of Kangmang. They can't pay the loan. You go to them to collect it. What's the point of finding us?"

Wang Chong thought that Tianma Group was going to cheat, so he took out a guarantee contract from his briefcase, "This is a guarantee contract signed by Baicheng New Materials, which states that your company deposited a deposit of 200 million yuan as a guarantee for this loan. I think Director Zhao will not deny it, right?"

Zhao Xiaocheng said strangely, "It's strange. We save money ourselves, and then lend it to us through a third party. What is the logic? Is it because we are sick or Donghua Bank is in trouble?"

Wang Chong was secretly angry. A few days ago, when he was applying for the loan from Shunfa Aluminum, Zhao Xiaocheng was like a grandson all day long, and President Wang called him even more close than his own father. After the loan was issued, he immediately became a man's face. The most hateful thing in the world is this kind of two-faced sword.

He suppressed his anger and said, "Do you want to deny this guarantee?"

Zhao Xiaocheng sighed and said, "Mr. Wang, no, President Wang, you also know that this kind of guarantee agreement cannot be obtained. What would you think if the Banking Regulatory Bureau knew about this?"

At this moment, Wang Chong wanted to strangle Gu Tiande to death. In order to complete the indicators, he took such a great regulatory risk and went around to lend money, and ended up circling the Chengdong Branch.

Wang Chong asked, "What do you want?"

Zhao Xiaocheng received a letter of inquiry and handed it to Wang Chong. Wang Chong took a look, but it was a letter of inquiry issued by PwC to Chengdong Branch. It recorded the funds of Baicheng New Materials in Donghua Bank, of which 200 million yuan was included in the deposit project and was stamped with the business seal of the business department of the Chengdong Branch.

Wang Chong was shocked. How could the business department make such an obvious mistake? Although this business was not handled by Wang Chong, he knew the entire business. The 200 million yuan deposited by Baicheng New Materials should be deposited into a special margin account. This must be specifically listed when making accounting entries, but in this letter of inquiry, it became an ordinary deposit. Although it is all deposits, its nature is very different.

Wang Chong signaled the other party to wait, walked out of the reception room, and called Russell E of the sales department, "Which accounting entry is Baicheng New Materials in our deposit of 200 million yuan?"

Russell E said: "It should be a margin."

"What does it mean, yes, no, no."

Due to Gu Tiande's relationship, Russell'e was not buying Wang Chong. When Wang Chong's tone was not kind, she said dissatisfied, "Why are you yelling? I'll check it, oh, yes, the deposit account."

Wang Chong said in a deep voice, "Why did Puhua include him in his general deposit when he issued a letter of inquiry to our bank?"

Seeing that he was tempted to seek punishment, Russell E raised her voice with Gu Tiande's support, "This is what President Gu gives up. If you have the ability, go and ask President Gu!"

Wang Chong hung up the phone, called Gu Tiande again, dialed three or four times in a row, prompting the other party that the phone had been turned off. He had to return to the reception room, "This is a mistake in our work. Director Zhao, everyone understands what the loan is like, you and I know that you are here for the report and for the indicators. We are here today to solve the problem. Director Zhao, let's talk about what you have any demands."

Zhao Xiaocheng smiled and said, "That's right, by the way, why didn't President Gu come here in person?"

Wang Chong said, "Governor Gu has other arrangements and entrusts me to fully accept this business."

Zhao Xiaocheng whispered, "President Wang, I have a friend who has opened a company. The funds have been a little short of money recently, but the credit report has some problems, so I want to borrow some money from you. I originally wanted to talk to President Gu. Since you are here, this is better. Please help me."

Wang Chong suddenly realized in his heart that this was Zhao Xiaocheng's trick, not the company's behavior of Tianma Group. His so-called friend was probably already on the list of dishonest people and could not raise funds from other places.

Thinking of this, I felt confident in my heart and asked lightly, "How much do I need to borrow?"

"Not much, it's enough for three to five million."

Wang Chong laughed, "Don't you know if Chairman Qi knows about this?"

Zhao Xiaocheng said: "Chairman Qi is a person who does big things, and he doesn't care about such small things. Besides, people eat meat, so let's drink soup..."

Wang Chong waved his hand to stop him, "Don't let us, Director Zhao, we are not all the people."

Zhao Xiaocheng smiled and said, "Yes, you, Wang Chong, are a noble person, and you are not as important as we think of money. Brother, I am also a vulgar person. The family still has to wait for food and drink. It's not like you, brother, you have to eat and eat, and the whole family is not hungry, and you are happy."

Wang Chong knew that this so-called friend’s loan was either used by himself or someone else owed him a sum of money and found a way to borrow it through the bank to repay it. In any case, it would eventually enter his pocket. Zhao Xiaocheng is the financial director. All the financial plans of all companies under Tianma Group require him to nod and agree, and he does not waste it. He uses this authority to threaten Donghua Bank.

Wang Chong asked, "What if I don't agree?"

Zhao Xiaocheng said, "If you want to ask President Gu to agree to this, do you know how to cut down?"

Wang Chong had a rough grasp of the entire incident, and he was sure that Zhao Xiaocheng would not and dared not make a big deal.

For Donghua Bank, illegal handling of business and signing a drawer agreement will inevitably be subject to regulatory sanctions. However, for Tianma Group, Baicheng New Materials is a listed company. If a lawsuit is filed and fictitious financial statements are involved, it will have a fatal impact on their stock price. What's more, is this Zhao Xiaocheng's private behavior?
Chapter completed!