Gao Yuan took out the inspection file from the Industrial and Information Bank of China, and Mu Shenxiu pointed out to Yu Qian and Wen Xiangning while flipping through it: "Look, this is a fake mortgage, this is a misappropriated loan, this is a borrower whose monthly income is lower than the regulations and should not lend money."
But the loan was released. This is a consumer loan for the purchase of a house... I'm not talking about you. You all came to the Haihai Supervision Bureau earlier than Gao Yuan, but you know nothing about inspections. I am really disappointed. Yu Qian, call Ma Chu over.
Let’s have a meeting together.”
Several people came to the conference room. Mu Shenxiu asked Ma Xing what problems he had found at Stone Bank. Ma Xing said that he had only been there for more than a day and had not looked at the specific business. If he found any problems, he should ask Yu Qian and Wen Xiang.
Ning Mu Shen's delicate appearance was all over the place: "You are the leader of the inspection team, how come you don't know anything? Are you shirking your responsibilities? I know, you haven't discovered anything.
Ma Xing's neck was stretched: "Mu Chu, why are you asking me now that you know it? Do you want me to make a fool of myself in public?" Mu Shenxiu said sarcastically: "Hey, you are still afraid of making a fool of yourself if you can't find out the problem, and you still want to hide your shame. If it weren't for me,
After asking Yu Qian and Wen Bo, I still don’t know what the situation is. If I wait until the examination is over, it will be too late to ask, and it will be too late to remedy the situation.”
Ma Xing leaned back: "Who wants to hide their shame? I originally planned to report the situation to you tomorrow, but who knew you were so impatient? If you are not satisfied with me, don't let me be the team leader." Mu Shen is delicate.
Said: "Okay, this is what you said. Your team leader is here. I will report it to the director immediately. Gao Yuan will be the leader of the inspection team. From now on, Gao Yuan will be the team leader for all outgoing inspections in our department. You guys
A few division chiefs will be responsible for leading the team to coordinate."
Ma Xing looked relieved: "Okay, I agree with both hands. Gao Yuan is the gold medal investigator of our bureau, and he is the most suitable team leader." At this point, he glanced at Gao Yuan as if he was gloating: "Gold Medal Investigator."
Hand, I hope you can find the problem!" Mu Shenxiu said sharply: "You think Gao Yuan can't find the problem? Don't worry, Gao Yuan can't be that stupid." Ma Xing stood up angrily: "What do you mean? You said I'm stupid?
no?"
Mu Shenxiuli didn't even bother to pay attention to him: "The meeting is dismissed!"
Back in the office, Gao Yuan told Mu Shenxiu that his name was not on the inspection notice and that he could not go for the inspection. Mu Shenxiu immediately asked for instructions to do whatever he wanted, and he was very happy to do as he pleased: "Very good, Gao Yuan will be the team leader.
, I heard that his inspection ability is very strong. You should have asked him to be responsible for this inspection a long time ago. Just let him go. If Sitong Bank raises any objections, let their president come to me and speak to me."
Gao Yuan really couldn't imagine why Sui Wowei suddenly paid so much attention to him. It is estimated that this inspection is related to Sui Wowei's vital interests. Is Sui Wowei trying to discover major problems in Stone Bank and using it to put pressure on him to achieve his own personal goals?
None of this was known, but he didn't bother to think about it. After all, formally this was an official job, and all he had to do was complete the task satisfactorily.
The next day, Gao Yuan brought Yu Qian and Wen Xiangning to Stone Bank as the team leader. Yu Qian pointed to the table full of information: "Team leader Gao, these are the information we have reviewed. We have read them all.
No problem, do you want to take a look again?"
Gao Yuan started to read, and quickly turned through a dozen books: "There is indeed no problem!" Wen Xiangning was relieved: "With your words, I feel at ease. Yu Qian and I have not found any problems in the past two days, which is consistent with
Ability has nothing to do with it, it’s because Sitong Bank is really very standardized, so you must report it to Mu Chu when you go back."
Gao Yuan thought for a while: "There must be some omissions in the information they provided. No unit would do such a standardized job." Yu Qian said that Ma Xing and the others had considered this, but they took the business details and system provided by Stone Bank
The data in has been checked and is indeed completely consistent. There should be no hidden business.
Gao Yuan seemed to say with certainty: "What they provide you is a detailed list of mortgage business. Have you ever thought that they may also issue mortgages in the name of consumer loans, which means that their mortgage business not only exists in the mortgage statistics table
, and it is very likely to exist in the consumer loan business.”
Yu Qian and Wen Xiangning were both speechless. Only then did they realize how narrow their thinking was. They only knew what to look for when checking. Why didn't they think of looking at other businesses?
Gao Yuan asked Chen Fei to provide all the consumer loan business details, and he had to watch them pour out of the system with his own eyes. Chen Fei immediately became nervous: "Aren't you checking the mortgage loan? Is it necessary to look at the consumer loan?" Gao Yuan said with a smile: "
Many units mix housing loans with consumer loans. If we don't take a look, how can we confirm that you won't do this?"
Chen Fei had no choice but to take him to the mortgage department and pour out the consumer loan details from the system. Gao Yuan returned to the conference room and saw at a glance that many loans lasted for 30 years, and the interest rates were exactly the same as the first home loan interest rates.
, he told Yu Qian and Wen Xiangning: “These are real estate loans, and they should all be second home loans. The reason why consumer loans are used is because the interest rate of consumer loans is lower than that of second home loans, and no down payment is required.
, but in this case, the loan risk will be greatly magnified."
Yu Qian said that those were not necessarily mortgage loans, and it was best to come to the files and read them before drawing a conclusion, so Gao Yuan asked for the files. Yu Qian flipped through a few books and said that they all followed the process of consumer loans and could not tell that they were mortgage loans at all.
Wen Xiangning also said that it looked like a consumer loan, and wondered whether Gao Yuan had made a mistake in his judgment. Gao Yuan was confident: "I have a way to make them reveal themselves."
Yu Qian and Wen Xiangning were very curious, so Gao Yuan called Chen Fei: "I want to go to the land department station to check the property status of the home buyer. Lend me your unit's query tool." Chen Fei was confused: "We seem to have
There is no query tool." Gao Yuan said sternly: "Every unit has it. If you don't have it, it means the internal control of mortgage loans is not in place. This is also a problem, and I can borrow from other banks. Anyway, this tool is universal."
Chen Fei had no choice but to use the query tool. Gao Yuan logged into the Land and Resources Bureau website, entered the home purchase query system, entered the name and ID card number of a consumer loan borrower, and clicked OK. Immediately, the home purchase record was displayed. Gao Yuan pointed to the purchase date: "
You see, the purchase date was shortly after the date of his loan, which fully shows that this consumer loan was used to purchase a home. According to regulations, consumer loans are strictly prohibited from being used to purchase a home, which is a serious violation."
Yu Qian and Wen Xiangning stood solemnly. At this moment, they had no other thoughts except admiring Gao Yuan.