Wen Xiangning followed Gao Yuan's method and searched on the Land and Resources Bureau website. Among the hundreds of consumer loans, at least half were used to purchase houses. Every time she found one, she couldn't help but inform everyone. The more she checked, the more she felt a sense of accomplishment.
Gao Yuan asked Chen Fei to bring over the illegal consumer loan files that were found, and the three of them began to look through them. Most of these consumer loans appeared in the name of housing decoration, some in the name of purchasing luxury cars, and some even more outrageous, in order to purchase a car.
More than 10 million yuan was lent in the name of a plate. When Wen Xiangning saw it, she was amazed: "What age is this plate? It's worth more than 10 million yuan."
Gao Yuan said that it might just be an ordinary plate. If you don't believe it, you can ask Chen Fei. When Chen Fei arrived, Gao Yuan told him all the problems found during the inspection. Chen Fei was originally upright and abiding by the law. When Gao Yuan said
After that, he immediately bent down with a flattering smile on his face: "Boss, you are really awesome. I admit my mistake. Please let us go this time. We will never dare to do this kind of business again in the future."
Gao Yuan asked about the plate, and Chen Fei said that it was an ordinary plate that could be bought for a few dozen yuan at most. Gao Yuan sarcastically said: "Mr. Chen, you are too bold. You should know that in the name of consumer loan
The issuance of housing loans is a serious violation. We have dealt with this kind of thing before. Do you know how to deal with it?"
Chen Fei quickly said that he knew that two bank presidents in Linhai City were dismissed last year because of such problems, but he had no choice. If the business could not be done, he would be sent away by the company. Today he is the boss, and tomorrow he will say
He might be unemployed. Gao Yuan asked him if he had any other problems. Chen Fei said that those were the problems. If there were any more problems, he would rather resign.
Gao Yuan randomly selected a loan from the list of housing loans previously provided by Chen Fei, logged into the real estate information system to query, and found no house purchase record. He was surprised at first, and couldn't figure out why he had taken a loan and signed a house purchase contract but it was actually in the Land and Resources Bureau.
It was not reflected in the system, but he understood in an instant that this must be a fake mortgage, which meant that the borrower fraudulently obtained the loan in the name of a housing loan. In fact, the loan was not used to buy a house, but was used for other purposes.
.
Gao Yuan's face darkened: "Mr. Chen, look at this loan. It's a typical fake mortgage. How do you explain it?" Chen Fei wiped the sweat from his forehead: "Boss, please forgive me. It's not that I concealed it intentionally, but
It's the superior who gave the explanation, and I have to listen." Gao Yuan understood: "The superior must be your President Qian, please call him over."
Qian Jin came over, and Gao Yuan pointed out their serious violations in person. Qian Jin was also the president of Stone Bank after all, but facing a small cadre like Gao Yuan who was not even a section chief, he immediately became groveling and respectful.
Said: "Leader, you represent the highest level of the Supervision Bureau, I am convinced by you."
Gao Yuan ridiculed: "President Qian, are you trying so hard to hide violations to test our regulatory level? If every bank is like you, how much burden will be added to our regulatory work? What will my country's mortgage business face? How much risk is there? Do you think this is fun?"
Qian Jin looked embarrassed and looked down at the time: "Boss, it's time to eat, let's talk at the dinner table." Gao Yuan couldn't say anything, so Qian Jin just pulled him away. Qian Jin kept urging him to drink during the dinner, so Gao Yuan had no choice but to
After drinking a few drinks, Yu Qian was particularly lively and chatted happily with Qian Jin. She was always rushing to pour wine for Qian Jin. Wen Xiangning also looked like she was pleasing Qian Jin. She kept talking to Qian Jin one by one.
Gao Yuan seemed out of place. He really couldn't stand how Yu Qian and the others, as cadres of the Supervision Bureau, could please the supervisees so much.
Qian Jin drank a lot of wine, became drunk, and began to utter the truth: "I'll tell you a secret." Everyone immediately became interested. Qian Jin lowered his voice and said: "This inspection of yours must be done by you personally with the director.
Arranged, do you know why I guessed like this?" Gao Yuan and others shook their heads, Qian Jin whispered: "He did it for personal gain, he was doing private work in the name of public service, and you have all been used by him."
Gao Yuan and others were shocked, Qian Jin continued: "You set up a company called Jinlian with the director, mainly doing some online payment business, but the business situation was not good, always losing money, he was unwilling to accept it, and saw that the real estate market improved.
, he came up with the idea of speculating in real estate. He and his wife bought two villas, worth nearly 50 million. The loan from me was a legal loan. His wishful thinking was good, and the two villas were very valuable.
It has potential for appreciation and is located in the central area planned for the future, with a subway station nearby."
Qian Jin drank another glass of wine: "But God is not as good as man. The central area plan has been cancelled, the subway has been rerouted, and the two villas are inconvenient and will soon depreciate in value. Seeing that the situation is not good, he wants to return the villa.
But it was easier said than done. The purchase money had already been given to the developer, and the developer was short of funds and had just incurred an expenditure of one billion yuan, so they refused to let him check out the house unless he could help them obtain a large loan from the bank."
Seeing that everyone was listening attentively, Qian Jin spoke more energetically: "The director called me and asked me to grant loans to the developer. I asked someone to investigate and found that the developer was established not long ago.
It’s hard to say whether Linhai can gain a foothold, so he rejected your request to join the director on the grounds that the head office did not approve it. Unexpectedly, he refused on the first day, and you came to check on him the next day. Isn’t this obvious? He clearly wanted to
Find out the problems in our industry and then force us to lend money to developers."
Yu Qian stood up immediately: "President Qian, how can we, the director, use our power for personal gain? You must be worrying too much. I'm sleepy, so I'll go up and rest first." Wen Xiangning also stood up in a hurry and went out with him, but Gao Yuan was only thinking about it.
Just listen to the evil deeds I did and sit there motionless.
"Gao Yuan, let me tell you, you are really greedy and unscrupulous in everything you do with the director. There will be no future for you to follow such a leader. Something will happen to him in the future. Okay, that's all I have to say. I'm really angry.
But that’s all I’ve said. There are so many banks that have violated regulations, and they only investigated us. To be honest, it’s not just for their own selfish reasons. I feel aggrieved and can only express my feelings. Thank you for listening to what I have to say. You reported our violations.
Go up, I won't blame you, you are also a human being in the world, and you can't help yourself."
Gao Yuan was caught in a conflict. He thought this was an inspection to regulate the real estate loan business, but he didn't expect it to be a selfish act. He unintentionally became his thug. Gao Yuan didn't know what the inspection results should be.