0p0 Chapter 389 8 nonsense
Chapter 389 8 nonsense
Lu Wanjiang raised his head and looked at Director Liu with a smile.
Director Liu, who was standing in the office, was trembling all over and unable to speak. The group of young people behind him were also speechless. They had been investigating for such a long time, and all the problems they found were refuted by Lu Wanjiang one by one.
So what have they been doing for so long?
Su Yang heaved a sigh of relief. It was not bad to just get away with it.
Zhong Ruoting and Zhong Liang next to them looked at each other. Apart from being strong, they had no other comments on Lu Wanjiang. He was simply too strong, so strong that it was even scary!
Director Liu clenched his teeth tightly.
He has brought audit teams down so many times to investigate, and this is the first time he has suffered a setback!
"who are you?"
Director Liu looked at Lu Wanjiang with a frown on his face. He was silent for a long while and only asked this question.
Lu Wanjiang smiled and looked at Director Liu: "I am just a small accountant of Jitu Express. I am in charge of the accounts of Jitu Express. Director Liu, if you have any questions, you can ask me. As long as I know everything, I will tell you everything I know!"
Director Liu fell silent. He knew that it would be a fantasy to find evidence of Su Yang's violations through Jitu Express's account.
But if Su Yang thought that he could escape this way.
Then he could only say that Su Yang was too naive.
He couldn't find any problems or evidence in Jitu Express's accounts, but there were big problems with Jiangcheng Bank's accounts.
The first is a matter of time. Su Yang obtained a development loan on the day he acquired the land. Is there a problem here? Who is the person in charge? Why were they in such a hurry to grant the loan? Are there any violations of regulations?
Second, Su Yang had two mortgage loans before, and the collateral clearly did not meet the mortgage requirements, but he still got the money.
Although Su Yang has repaid the principal and interest of these two loans, it does not mean that there is no problem.
He brought the team here to find out the problems with Jitu Express. If he returned empty-handed, how would he survive in Dongjiang Province in the future? Besides, before he came, someone had warned him and told him clearly to follow the rules.
This is to let him find out the problems with Jitu Express and deal with them.
"It is indeed an excellent company. There is no problem with the accounts."
"Then I have two more questions for President Su. Your previous company, Susutong Logistics, once received a loan of 10 million yuan, but the collateral was an asset that had been pledged repeatedly. Who checked this loan?"
“Who signed and approved it?”
Director Liu raised his head and looked at Su Yang. Lu Wanjiang next to him frowned. Su Yang had not told him about this, so he didn't know either.
Su Yang was slightly startled: "This loan has been repaid, and Jiangcheng Bank has also received the money. As for the issue of collateral, I have long forgotten it. How would I know who checked and approved the loan?"
Director Liu sneered.
"you forgot?"
"Okay, do you recognize this name?"
"There's President Zhong's signature on the back!"
"You won't say that you have forgotten it too?"
Su Yang looked at the document in front of him. Of course he recognized the name on it. It was the name of the clerk who handled the loan for him at that time. The two words "agree" at the bottom of the approval were Zhong Ruoting's name.
Zhong Ruoting put his hands behind his back and said, "Director Liu, I have to sign for every loan from the bank. What do you mean by that?"
"I think I violated the rules by lending money to Susutong Logistics?"
Director Liu shrugged his shoulders and said, "President Zhong, you are being polite. I didn't say that. You have no problem, but can you guarantee that your subordinates have no problem, too?"
"If we hadn't received the report, we wouldn't have traveled all the way to Jiangcheng City."
"If there is no solid evidence, we won't dig deeper."
"Then please ask Mr. Su to explain this problem..."
Su Yang sneered: "If Director Liu thinks there is a problem, then there is a problem. You said there is a problem with this loan, but the money has been repaid. Not only did I not cause any losses to the bank, but I also made money for the bank. You think there is a problem with me, but I don't think there is a problem with me."
"If making money for you, paying interest, and borrowing money normally is wrong, I think it would be better to publicize this matter throughout Dongjiang Province so that no one will take out loans."
“Those who can’t pay it back don’t care, but those who can pay it back think there’s something wrong with it.”
"This is a disease and it needs to be cured."
The two young men behind Director Liu were furious: "What do you mean?"
"How do you talk to Director Liu?"
"Do you know how big a problem this account of yours is?"
Director Liu raised his hand to shut them up. He sneered, "Well, since President Su said that the money has been repaid and it's not a problem, let's put it aside for now."
"I want to ask you, why did you receive a loan approval notification from Jiangcheng Bank on the same day you bought the two plots of land in Tiebei, and why was the money transferred to Jitu Express's account before the end of the day?"
"Are you saying that there is no problem with the money?"
Zhong Ruoting, who was standing next to him, was about to speak when he was stopped by Director Liu.
"Boss Su, please answer the question. Tell me, is there any problem with this loan?"
Su Yang was silent. Is there a problem? Of course there is a problem.
But can he tell Director Liu that there is no problem?
The loan was made by Zhong Liang, who had Jiang Mingfeng's approval slip at the time.
But could he tell Director Liu this?
"I don't want to answer any of your questions. I only have one thing to say: since you think there is something wrong with Jitu Express, then make a penalty provision."
"We accept what is reasonable, and we will naturally appeal and refute what is unreasonable."
"You came here just to find problems. Since you think there is something wrong with Jitu Express, what's the point of us explaining more?"
Director Liu nodded: "Okay, Su Yang, you've been a straightforward person for once."
He glanced at Su Yang, He Rongfa, Lu Wanjiang, Zhong Ruoting and Zhong Liang, then raised his head, looked at the young man next to him, and spoke in a calm tone.
"Reporting to the headquarters, according to our verification, Jitu Express did falsify loan application materials, overvalued mortgage assets, and misappropriated development loans without authorization. The credit department of Jiangcheng Bank made loans in violation of regulations, and its work records were incomplete, violating many regulations."
"It is recommended that the credit ratings of Jitu Express Co., Ltd. and Susutong Logistics Co., Ltd. be lowered in the Dongjiang Provincial Bank system, and that Jiangchen Bank be required to withdraw loans from Jitu Express in advance to avoid greater losses."
"In addition, we will once again conduct an inspection of Jiangcheng Bank's credit department, conduct internal learning on multiple illegal loans, identify loan assessment and approval personnel, and implement accountability at each level."
Every word, every incident, every thing came out of Director Liu's mouth and was recorded on paper.
After that, Director Liu smiled and looked at Su Yang and Zhong Ruoting: "President Zhong, President Su, according to what I said, report it truthfully, is there any problem?"
Su Yang remained silent.
Zhong Ruoting took a deep breath, but ultimately did not dare to confront Director Liu.
Unexpectedly, just when Director Liu was about to ask someone to put the materials into the file, a deafening roar came from outside the door.
"Liu Guoliang!"
"When we were in school, I could tell you were no good!"
"More than a decade has passed, and you still haven't changed your bad habits. You still only know how to talk nonsense!"