When Quan saw Gao Yuan silent, he said he was going to sleep and it was up to him whether he would listen or not. Gao Yuan suddenly had a plan in mind: "Brother Quan, thank you for your concern. I think we can continue to check, but in terms of using the test results."
Just pay attention."
Mr. Quan asked what he meant. Gao Yuan said that this inspection was to complete Wang Bureau's project. The Zhengfei Group loan was probably an important material needed for the project, so he wanted to find out. The inspection results were only used for the project itself.
Zhengfei Group will not be named in the question, nor will it be used as a basis for punishment, so everyone is happy.
After hearing this, Quan Shao praised Gao Yuan's brain for its usefulness, but Mu Siyu might not agree. He wanted to do her job. Quan Shao called Mu Siyu and said that he planned to continue the examination, but the test results were strictly limited to Wang's use.
The issues of the bureau will not be used as a basis for punishment. After the conversation, Master Quan said that Mu Siyu reluctantly agreed, and the stone in Gao Yuan's heart finally fell to the ground.
In the afternoon, Gao Yuan asked Mu Siyu to send a car to Wanyou Hardware Store to see what was going on, and Mu Siyu agreed. Gao Yuan and Quan Shao got in the car, and Zhu Fu drove to the residential building and arrived at Wanyou Hardware Store.
As expected, the location is just a parking space three steps wide and five steps long, which has been transformed into a small shop. There are some plumbing equipment, kitchenware and lamps in the shop, but nothing else.
"Excuse me, do you sell furniture here?" Gao Yuan asked pretending to be a customer.
"Can't you see? These are the only things I have here, no furniture." The boss said without hesitation.
"I heard that you sold furniture before." Gao Yuan continued to test.
"Who did you listen to? Since my small store opened, I haven't sold a piece of furniture. However, someone asked me to sign a furniture purchase contract. You don't know, it was a big contract of 1 billion yuan. They said
They wanted to give me 50,000 yuan in benefits. I couldn’t make that kind of money in a year, so I signed a contract with them. Haha, I only signed three words and earned 50,000 yuan. This is really a lot of money. That’s not right.
, it’s worth a word!”
Gao Yuan didn't expect his boss to be so blunt and careless. He asked Zhu Fu: "Did you hear that?" Zhu Fu was sweating profusely: "Boss, I am a small manager and my arms can't reach my thighs. I also wanted to do a pre-loan investigation at that time.
, but my superiors won’t let me come over. What can I do? I never imagined that they would fabricate purchase contracts to defraud bank loans. What I said is true. If you want to punish them in the future, you must find out the real behind-the-scenes instigators. Listen to your superiors.
Say, this is not an easy matter!" Zhu Fu finally told the truth.
At this point, Gao Yuan was finally able to determine that the loan was not used to purchase furniture, so he asked Zhu Fu what it was used for. Zhu Fu said that he was just preparing the preliminary loan information, and that the whereabouts of the loan would only be known by asking the fund settlement department. Gao Yuan hurried back to work
Credit Bank asked Director Huang of the settlement department to inquire. Director Huang said that the loan funds were directly transferred to Zhengfei Furniture's account. Zhengfei Furniture did pay to Wanyou Hardware Store. As the director of the settlement department, he only knew this.
Gao Yuan thought for a while and decided to continue to investigate where the money received by Wanyou Hardware Store was used. He asked Supervisor Huang for the account of the funds in and out of Zhengfei Furniture at the Industrial and Information Bank, and found out that he had remitted 1 billion to Wanyou Hardware Store.
Gao Yuan retrieved the corresponding remittance voucher, which showed the bank and account number of Wanyou Hardware Store. Gao Yuan discovered that the bank where the account was opened was Huachun Bank, so he contacted Huachun Bank and asked it to provide
Wanyou Hardware Store's funds in and out ledger.
The supervisor made a request, but Huachun Bank did not dare to neglect it and soon sent the electronic ledger. It was a very simple ledger, with only a few funds coming in and out, and almost all transactions were less than a thousand yuan. There were only two transactions.
The records are extremely conspicuous, one is an inward remittance of 1 billion yuan, and the other is an outgoing remittance. There is no doubt that these incoming and outgoing are the loans of Zhengfei Furniture. Now Gao Yuan only needs to find out the remitted amount.
You will know its true purpose by its whereabouts.
Gao Yuan asked Huachun Bank to provide corresponding remittance certificates, and finally discovered that the 1 billion yuan in so-called furniture purchase funds eventually flowed into Zhengfei Guarantee Company. It is estimated that its real purpose is to issue usury loans by the guarantee company. However, as an auditing graduate student,
Gao Yuan will never stop at inference, he will find evidence.
Continuing to trace Zhengfei Guarantee Company’s capital ledger and related vouchers, Gao Yuan finally discovered that his inference was wrong. It turned out that after Zhengfei Guarantee Company obtained the 1 billion yuan payment, it was all handed over to Huachun Bank.
It issued an entrusted loan to another company on its behalf, with an annual interest rate of up to 24%.
Gao Yuan finally understood that Zhengfei Furniture’s so-called purchase of furniture was just a pretense, and its real purpose was to defraud Industrial and Information Bank of China for low-interest loans, which would be used to issue high-interest entrusted loans to earn interest margin income. Gao Yuan went back and checked the information given by Zhengfei Bank to Zhengfei Furniture.
The loan interest rate of Fei Furniture is only 6% per year. Compared with the entrusted loan interest rate of 24%, the interest rate difference is as high as 18%. In this way, this loan can be said to bring an annual interest income of 180 million yuan to Zhengfei Group.
It can be said to be a waste of money and a serious violation of the law.
Gao Yuan copied all the evidence and kept it for files. He wanted to dig deeper because Zhengfei Group had made many loans to ICBC over the years. He wanted to trace the ins and outs of each loan and get more evidence of Hu Zhengfei's crimes.
. He was filled with surprise, because not only did he find the best material for Wang Ju's project, but he finally had the opportunity to help Yan Jia bring down Hu Zhengfei. Yan Jia had said that Hu Zhengfei had taken her by force, and she must let him.
His reputation was ruined.
Gao Yuan came to a deserted place alone, called Yan Jia, and said he wanted to tell her some good news. Yan Jia asked what the news was, and Gao Yuan said that he was checking at ICBC and happened to see a loan from Zhengfei Group.
Moreover, there were serious irregularities in that loan. He planned to dig deeper and obtain as much evidence as possible to help her bring down Hu Zhengfei completely, and at least send him to jail for a few years.
Gao Yuan thought Yan Jia would be very happy after hearing this, but he didn't expect that she seemed very anxious after hearing this: "Brother Yuan, can you let him go?" Gao Yuan asked why, didn't she hate him so much that she gritted her teeth at the beginning? She didn't plan
Do you want to completely defeat Hu Zhengfei? Yan Jia said that she originally wanted to do this, but now she is Hu Zhengfei's wife. Hu Zhengfei has divorced him and has transferred all the shares of Ranjin Hotel to her to repay her.
She bought the villa on the top of the mountain in her name. Everything showed that Hu Zhengfei really loved her, and now she couldn't bear to embarrass him.
Gao Yuan did not expect Yan Jia to react like this, so he warned: "Without his first wife, Hu Zhengfei would not be what he is today. However, he can actually abandon his first wife and children, which fully shows that he is a ruthless and unjust person. Jiajia, now
He treats you well, what will happen in the future? I am really worried that you will be harmed by him in the future. In short, I think you should not be content with the status quo and should not forget to avenge your past shame."
"Brother Yuan, thank you for your help, but you don't have to worry about this matter. If you don't care, it is the greatest help to me!" Yan Jia became more and more anxious.
Gao Yuan was confused: "Did Yan Jia really have feelings for Hu Zhengfei? Should I continue to investigate, or should I stop here?"