Sitong Bank cooperated very well with the inspection work and sent the information quickly. Yu Qian and Wen Xiangning couldn't wait to read through one after another. They quickly read seven or eight books. Each file was very complete.
The relevant mortgage business fully complies with the requirements of laws and regulations, both in form and substance. Both of them were originally very confident, but now they can't help but panic.
Ma Xing also flipped through several files, and the more he looked at them, the more he frowned. He really didn't expect that Stone Bank's mortgage business would be so standardized, so standardized that he couldn't even spot any problems. With many years of experience, he knew which bank or
There will always be some problems. Sitong Bank seems to have no problems, which means that the bank must have hidden big problems.
"Do you think there's something unusual?" Ma Xing asked Yu Qian and Wen Xiangning. Yu Qian nodded and said, "It's very unusual. I read seven or eight files and didn't find a single problem. This is impossible in other banks."
." Wen Xiangning also said it was unbelievable and wondered if they had faked it.
"You have done a good job in your analysis. On the surface, there is nothing wrong with Sitong Bank, but it is the biggest problem. You must look at it carefully, and you must not let go of any clues. This inspection is both a severe challenge and a rare opportunity for you.
You must seize the opportunity, try to find out the problem, and perform well in front of Director Sui. This is a task personally assigned by Director Sui!" Ma Xing has a way of encouraging people.
Yu Qian and Wen Xiangning continued to browse through the files with their eyes wide open, as if they had been given a shot of blood. They followed Ma Xing's instructions and did not miss a word in each file from beginning to end. However, their eyes were sore from reading.
Still no problems were found, and soon after the morning passed, Ma Xing asked if there were any results. Yu Qian shook her head sadly: "Ma Chu, Sitong Bank has done an amazing job, I can't see any loopholes no matter how hard I look.
Wen Xiangning also frowned: "Do they have no problems in the first place? Are we too suspicious?"
At this time, President Qian Jin came in and said that it was already 12 o'clock and invited them to go out for dinner. Ma Xing refused: "President Qian, we are not going out. Just ask someone to bring us a lunch box." Qian Jin said that it was already.
We had booked a private room in a big hotel and ordered the food, so we were waiting for them to eat. We wouldn't waste much time. Ma Xing insisted on having a box lunch, but he had no choice but to go out and make arrangements.
Ma Xing's face was full of anxiety: "The whole morning has passed and we haven't found anything. Who is still in the mood to go out for dinner? We finished the lunch and continued to check, trying to find some clues before getting off work, otherwise we would not be able to report to the wood department when we went back, let alone
Report to the director."
The lunch box came, and a few people took a few bites. Qian Jin asked if he wanted to take a nap. The hotel had already booked an hourly room. Ma Xing said no, just take a nap in the conference room at noon. Qian Jin left, and Ma Xing said
We need to discuss it and find a way to find the problem.
Ma Xing spoke first: "Real estate loans have restrictions on down payment and interest rate. If you are buying the first house, the down payment and interest rate are quite favorable. If you are buying the second house, a house worth 1 million yuan,
The down payment and interest are hundreds of thousands more, so I think Sitong Bank wants to cheat and try to make the second home loan into the first home, so as to attract customers, so we should focus on the first home
The loan information mainly depends on whether it is the first home and whether there is any fraud."
Yu Qian seemed to have an idea: "Ma Chu, when you said this, I suddenly felt enlightened. We can focus on the borrower's credit record, which shows the number of loans and their uses. If the two loans were used to buy a house,
And if you still enjoy the same discount as the first time for the second time, it means that Stone Bank has violated the second home loan regulations, which is a big problem."
Ma Xing agreed and said: "It makes sense. Just check it like this, focusing on the credit record." So, Yu Qian and Wen Xiangning began to look through the credit record. It seemed that they only had one loan, and how many
They both took out second loans and used them to purchase houses, but they also complied with the policy requirements. The two of them were completely at a loss, and they didn't even have the energy to look through the files. Yu Qian sat there looking at the files in a daze, while Wen Xiangning simply
He lay there and didn't even look at it.
"How's it going? Did you find the problem?" Ma Xing was full of hope. Yu Qian replied: "No." The voice was as low as a mosquito's hum. Wen Xiangning shook her head feebly. The veins on Ma Xing's forehead were exposed: "I
I asked you to come out to find the problem. You said nothing, so why did we come out? We came out just to prove that there is no problem with Sitong Bank's compliance? What a joke, what a big joke, if we end up with a problem
If we can't even bring it up, Stone Bank will definitely treat us all as fools. Can you afford to shame this person? I can't afford to shame him!"
Yu Qian and Wen Xiangning could only listen. They had nothing to do. Ma Xing felt that he had gone too far and comforted them: "I'm sorry, I'm a little impatient. You can use your brains more to see where they might have problems."
." Wen Xiangning closed her eyes and thought for a moment: "Ma Chu——" Ma Xing thought she had some idea, so he asked her to tell her. Who knew that Wen Xiangning said: "I still have a piece of research that needs to be revised tomorrow.
Not coming anymore.”
Ma Xing sarcastically said: "Dr. Wen, you are a great doctor. You have to give full play to your talent and knowledge. You have to find out the problem. It's good now. You haven't found anything and you want to give up. No! I can't.
Agree!" Wen Xiangning defended: "That's a survey assigned by Director Wang, I have to do it." Ma Xing said angrily: "This is an inspection assigned by the Director. If Director Wang knew about it, he would give you priority to participate in the inspection.
"Wen Xiangning knew she couldn't escape, so she had to remain silent with a sad face.
Yu Qian suddenly had an idea: "I almost forgot, one of my classmates is from Stone Bank, and he happens to be doing real estate loans. He must know the inside story." Ma Xing was very excited: "Okay, that's great.
Come on, make an appointment with your classmate, and you can treat him to a meal in the evening. Then try to work out some situations, have a date over dinner, and I'll reimburse you."
Wen Xiangning suddenly couldn't help laughing. Ma Xing asked her why she was laughing. She said why she felt that Yu Qian was doing spy work. Ma Xing corrected her: "This is not spying, it is an unannounced visit. It is a necessary means of inspection.
We can't just do open inspections, we must also learn to use secret inspections when necessary. Yu Qian came up with a good idea for our inspection work. She is worthy of being a talented student at Harvard University, and her brains are very good."
Yu Qian couldn't help but get excited again after being praised: "Ma Chu, I'm going to make an appointment with that classmate right now, just wait for the good news."