Ma Xing told Yu Qian: "Don't be too obvious about your purpose. If you ask directly about housing loans, your classmates will think that we are incompetent." Yu Qian said there was no problem, and she would ask him in a roundabout way. Ma Xing said with satisfaction: "
Okay, the next step is up to you."
The next day, the three of them met at Sitong Bank. Ma Xing asked Yu Qian if he had asked anything. Yu Qian said angrily: "He's a ****, he's really not a thing. When I was in school, he and I shared a dormitory. It was great."
Wearing a pair of shorts, I thought that if I asked him, he would tell me all the problems of Stone Bank. Who knew that he was actually tight-lipped and didn't know anything when asked, as if he had been brainwashed by Stone Bank. It really pissed me off."
Ma Xing was greatly disappointed: "That classmate of yours is so uninteresting, thank you for treating him to a meal." Yu Qian became more and more annoyed: "I treated him to a meal at the Ranjin Hotel, and the two of us ate.
More than 600 yuan, but in the end I got nothing. If I had known this, I might as well feed the dog with the money." Ma Xing comforted: "Forget it, I said it can be reimbursed, just give it to me."
The three of them looked grave. They all knew that if the problem could not be found, they would be scolded by Suiweiwei. Suiweiwei was famous for his violent temper. At this moment, they all felt regretful and had wanted to take advantage of this opportunity.
They made a great contribution, but unexpectedly they were trapped by Stone Bank and could not find any breakthrough. If this continues, Sui Wowei will be left with an impression of incompetence, which is counterproductive to their original intention.
Ma Xing thought for a long time and asked Yu Qian to call Chen Fei, the boss of the housing loan department of Stone Bank. As soon as Chen Fei sat down, Ma Xing asked with a gloomy face: "Mr. Chen, you may not know that our inspection this time is random.
I personally arranged it for the director, so you should cooperate well." Chen Fei looked panicked: "Ma Chu, we have done our best to cooperate, and we will provide you with any information you want as soon as possible."
Ma Xingzhi deceived: "Yes, you are very fast in providing information, but you did not provide what you should provide." Chen Fei said in confusion: "Ma Chu, what we provide are all the information you want, and you personally
"Selected." Ma Xing said: "Yes, we selected the information, but we selected it based on the business detailed list you provided. As far as I know, the detailed list you provided is incomplete, so we cannot choose some things that should be selected.
Yeah, you must be very aware of this, right?!"
Ma Xing looked very clear. Chen Fei seemed to be taken aback, but immediately said calmly: "Ma Chu, I will go back and ask if the detailed list is complete. If it is incomplete, we will definitely make it up." Ma Xing nodded and said.
: "That's right, you have to make up for it as soon as possible, otherwise it will be useless to everyone."
Chen Fei went out, and Yu Qian said in admiration: "Ma Chu, your move is so powerful, he was scared to death, and he probably won't dare to hide anything anymore." Wen Xiangning also praised greatly: "Ma Chu finally
He used his trump card. Judging from his panic, he should have removed the problematic business from the list. No wonder we couldn't see the problem no matter how hard we looked. Now it's better. When they add everything, there will definitely be a lot more
Problems surfaced."
Not long after, Chen Fei came back, and Ma Xing asked with great expectation: "How is it? Has it been completed?" Chen Fei looked like he was wronged: "Ma Chu, I asked the colleague who made the watch and asked him
We have checked everything and everything that should be provided is indeed provided. If you don’t believe me, you can check it in our system. No matter how bold we are, we will not dare to deceive the leaders of the Supervision Bureau.”
Ma Xing's face was extremely ugly: "Okay, let's take a look at your system right now." Several people came to the Credit Department of Stone Bank and checked the detailed list with the records in the system. They found that all the mortgage records in the system were intended to be
After being reflected in the table, Ma Xing had no choice but to return to the conference room. Yu Qian asked what to do next. Ma Xing said impatiently: "What do you do? You have to ask me about everything! I went back, this time
There are other things for a few days, so you should check it carefully here. If you can’t find the problem, don’t leave!”
Yu Qian and Wen Xiangning were both stunned. They did not expect that Ma Xing would resign first. No doubt he was protecting his own safety. Since he could not find the problem, it was better to retreat early. When the director and Mu Chu asked him, he would definitely say that he did not have time to check.
, so that they can escape the relationship. As for the two of them, they will undoubtedly become the targets of criticism from the leaders and the laughing stock of their colleagues in the future.
After Ma Xing finished speaking, he left. Yu Qian and Wen Xiangning looked at each other and were speechless for a long time. Finally Yu Qian said: "Wenbo, it seems that we are riding a tiger and it is difficult to get out." Wen Xiangning regretted: "I wouldn't have come out if I had known this.
I have a survey arranged by Bureau Wang to do, and now it’s fine. There are no problems in the inspection, and I can’t explain it to Director Sui. I don’t have time to do the investigation, and I can’t explain it to Bureau Wang.”
Yu Qian said that the matter had come to an end, so she had no choice but to investigate further, maybe there would be unexpected discoveries. The two of them brought over a hundred files, and the conference table was full of them. They kept flipping through them without any distractions, and suddenly Yu Qian
shouted: "Finally found a problem!"
Wen Xiangning went over to look: "What's the problem?" Yu Qian pointed to a page of approval form: "Look, the approval date is not filled in." Wen Xiangning was surprised: "Can this be considered a problem?" Yu Qian said with a bitter smile: "
It’s better than not discovering anything at all.” After saying this, he recorded it seriously.
At the end of the morning, Yu Qian discovered two more "problems". One was that the customer's loan application form was not numbered, and the other was that the customer's signature on it was too sloppy and it was difficult to tell whether it was applied by him or not. Wen Xiangning also discovered a
The "problem" was that a loan was overdue and she blamed it on Stone Bank's failure to carefully examine the customer's repayment ability.
The two called Chen Fei and asked him to sign the fact confirmation form. Chen Fei said that he recognized all the "problems" discovered by Yu Qian, but he could not recognize the ones discovered by Wen Xiangning because the client suddenly fell ill and Hua Hua was ill.
He spent hundreds of thousands of yuan in medical expenses, which resulted in his inability to repay. This is a typical unpredictable event and has nothing to do with the loan review. Wen Xiangning said anxiously: "Can't you let him have a physical examination before taking the loan?
"
Chen Fei laughed: "Miss, you can ask, which bank will let customers do a physical examination before taking out a loan? If we do as you said, we will not have a single customer." Wen Xiangning blushed with embarrassment.
I had no choice but to give up on that "problem".
It was almost time to get off work, and the two returned to the bureau. Mu Shenxiu asked how the investigation was going, and Yu Qian reported the "problem" she had discovered. Mu Shenxiu became anxious when she heard it: "Can this be called a problem? Whatever.
The director asked us to check, not to see whether the file has a serial number, whether the date is filled in, and whether the signature is illegible. The director asked us to find big problems. What are big problems? Do you know?"
Yu Qian murmured: "I know." Mu Shenxiu scolded: "All you know are trivial problems. They are all problems that cannot be called problems at all. They are all problems that make people underestimate our regulatory capabilities."
Yu Qian asked in a low voice: "Mu Chu, what is the big problem?"
Mu Shenxiu snorted: "Gao Yuan, show them your inspection results at ICBC! Tell them what is the real problem and what is the real big problem!"