During the dinner time, Bai Yu took the time to talk to Zhenzhen on the phone, and he pointed around the bush that his ex-girlfriend had a bad temper and seemed careless in his work, so it would be difficult to cooperate if he continued like this. Bai Yu meant that Zhenzhen would persuade his ex-girlfriend to follow the local customs and still have to abide by some regular things.

Zhenzhen sighed and said that the Gui Haiyue family is also a famous family in the northwest region, a daughter and a lady from a wealthy family. She was spoiled from childhood to adulthood. As for getting to know and fall in love with him, that was another story; Gui Haiyue had a high starting point. When Zhenzhen was still the deputy mayor, she was already the town secretary, and later promoted the deputy department level to prepare for taking office as deputy ***.

I thought this was a love that could be blessed by both families, but after Zhenzhen told her mother Fan Hongyu happily, she said with a serious expression and wait.

About half a month later, Fan Hongyu flew to the northwest carefully. When facing Zhenzhen, he said that this marriage was not good, and the Fan family was discussing his marriage with a certain family, which was related to the reorganization and division of Kyoto's power territory, and it was of great importance!

Zhenzhen was killed by thunder, and could not believe his ears. He immediately got angry and shouted, insisting on being with Gui Haiyue.

Fan Hongyu played the characteristics of having needles in the cotton and being patient and meticulous. She talked with her son all night, presented facts and reasoned, from her father Fang Sheng to her uncle Fan Wei; from Zhu Zhengyang to Zhan Xiaotian (Zhan Yin’s son), she actually understood Zhenzhen’s ideological work!

But Zhenzhen also has the conditions, that is, he will work in the northwest for five years and will not return to Kyoto in principle. In fact, it is what Fan Hongyu suggested. Marriage is just a piece of paper, and he can do whatever he wants outside Kyoto.

Afterwards, Zhenzhen revealed this meaning to Gui Haiyue in a tactful and implicit manner. She thought that she could understand it, but Gui Haiyue was really angry and immediately felt as if she was insulted. I don’t know when she found Fan Hongyu’s mobile phone number and called her directly to scold her future mother-in-law.

Fan Hongyu was angered.

The mothers are the same all over the world. It doesn’t matter how bad the son is about to get angry with him. The daughter-in-law’s tone is not important. Besides, Gui Haiyue is not her daughter-in-law yet, and she is her son’s ex-girlfriend in front of Fan Hongyu!

"In a year, I will let her get out of the northwest!" she said to Zhenzhen word by word.

Having said that, the Gui Haiyue family is indeed very influential in the northwest region and its energy is beyond imagination. Fan Hongyu thought of several ways and was easily resolved by the local provincial and municipal organization departments. The so-called "no-stop" is to describe her helplessness. A executive vice minister of the Zhong Organization Department who held the power of personnel and looked up to all the deputy provincial and ministerial leaders, actually had no choice but to be a full-time cadre.

Fan Hongyu is also from a wealthy family. How can the temper of a daughter who is a daughter? If she releases it, how can she not count? In addition, she still hopes that Zhenzhen will be more happy and more at ease in the marriage, the premise is to drive Gui Haiyue away from her son. After repeated games over the past year and after several battles, as Zhenzhen expected, Gui Haiyue was airborne to Tongyu, which no forces in all parties could reach, and in exchange, she was promoted to deputy.

"But why are you in charge of finance?" Bai Yu said, "Isn't it good for lesbians to be in charge of science, education, culture and health?"

Zhenzhen smiled bitterly: "I don't know either, maybe... I probably don't have a seat..."

Fighting at night, except for Xia Yanyang, the other leaders' faces were usually full of reluctance. In an instant, Bai Yu finally realized the helplessness of Fang Sheng in the past. Sometimes he was not deliberately teasing his subordinates. It was indeed too urgent, so what should I do if I don't fight against time?

Director Du of the Financial Bureau has two years left to retire from the second line, without any desires and desires. He has become a monk halfway through the journey and is not familiar with the finance major at all. He has been wiping seven or eight times after three minutes. Bai Yu doesn't bother to say politely to him and says directly:

"Where is Director Guo of Credit Union, tell me!"

Director Guo——As Xia Yanyang said, things are indeed very long-winded, and he is not good at summarizing and refining, and he talks for nearly two hours:

The root cause is in the creditor!

Credit officers are a special service group founded by credit unions since the founding of the People's Republic of China. It is equivalent to outsourcing by current standards, but it is not exactly the same.

The original intention of using credit officers was that the credit union was tight, and the area was vast, with residents scattered, especially the farmhouses in mountainous areas. Sometimes they only encountered one or two households after climbing a few hills. Mountain residents and farmers were unwilling to cross mountains and hills for deposits and withdrawals, and credit unions could not serve their homes.

What should I do? The credit union hires village directors, women directors or accountants as creditors, becoming a link between the credit union and the mountain people and farmers.

The specific method is: the creditor receives a handmade blank certificate of deposit (four copies) from the credit union, and a small amount of reserve funds are used for deposit and withdrawal; when the mountain farmers deposit money, the creditor fills out the certificate of deposit, the first couple is given to the depositor, the second couple is given to the credit union, and the fourth couple is given to the credit union, and the fourth couple is given to the credit union.

When the reserve fund exceeds the specified limit, such as 200,000 yuan, the creditor must go to the credit union to report the accounts, and this is repeated.

For mountain farmers, creditors are all village cadres who are trustworthy and can rest assured to put the money in their hands; for credit unions, creditors are more familiar with the situation in each village, absorbing deposits more targeted, and effectively divert the business pressure of credit unions, so why not do it?

However, the incident of the people in Guoshan Township asking for deposits was caused by the creditor.

Specifically, the hundreds of farmers who asked for deposits were mainly involved in Guodui Village and Guoniu Village. Coincidentally, the creditors of the two villages were Wang Huaisuo and Wang Huaiguan brothers, both of whom were accountants in the village. Half a month ago, the villagers found that they were suddenly missing. At first, no one cared about it, but later some people had to deal with the deposit due, so they ran to Guoshan Credit Union with their certificates of deposit. This was bad!

The deposit certificate in the villagers' hands clearly states "5,000 yuan" and "5,000 yuan", but it is "5000 yuan" in the credit union computer!

Some villagers did not have certificates of deposit at all, just the receipt "How much is the RMB I received today" by the Wang brothers.

Gradually, when the two villages heard the news, they dug out their own certificates of deposit and went to the credit union to verify. They found that the criminal methods that the Wang brothers played were simply "big heads and small tails":

The first copy of the certificate of deposit written to the villagers is the real amount, such as 50,000 yuan, but they deliberately did not need to copy the paper cover. Afterwards, the amount of the certificate of deposit was changed to 500 yuan to go to the credit union to report the account. The fourth copy was also 50,000 yuan, which was used to retain and establish real accounts by themselves.

What if the villagers repay the money when they expire? For many years, the villagers are accustomed to trusting credit workers, so they cannot go to the credit union to find them. They use the fourth couplet to check with the first couplet, then calculate the interest according to actual calculations, and try their best to persuade the villagers to continue to deposit.

Anyway, the accounts and cash are all transferred in your hands, so you are not afraid of being exposed.

Through the "big head and small tail", on average, credit workers in each village can intercept millions of yuan in cash. Some lend money under the banner of credit unions, commonly known as "extracorporeal circulation"; some use it to do business; some participate in investment, lend money, etc.

The Wang brothers are also good at "big head and small tail" and "extracorporeal circulation". According to current statistics, they have circled about 5 million.

However, at some point, the two of them became addicted to online gambling. The more they bet, the bigger they were, and the deeper they fell. When they woke up, they found that they had lost millions and had lost all the villagers' savings!

After discussion, I simply took out some remaining funds and ran away overnight. On the night before leaving, I burned all my books, certificates of deposit and card during my tenure as a creditor!

What's the trouble now?

The amount of the deposit certificate held by the villagers is inconsistent with the amount of the credit cooperative system, which is a fact; but how can we be sure that the amount of the handwritten deposit certificate must be true, while the amount of the credit cooperative system is fake? Take a step back, is it possible that the creditor and the villagers collude to deceive the credit cooperative?

Because the Wang brothers destroyed the fourth couplet of the certificate of deposit, there was no evidence for death.

This kind of trouble is better. After all, the villagers have real certificates of deposit in their hands; the other two situations are:

First, when the villagers delivered the cash to the Wang brothers, they had no time to deal with it, or the blank certificate of deposit was used up - it was normal, so they wrote a receipt as a voucher and used it to exchange it for the receipt. Now that people are gone, the credit union only recognizes the certificate of deposit, and the receipt does not have the effect of redemption.

The second situation is even more troublesome. Sometimes villagers meet Wang’s brothers on the roadside of the field, stuffing thousands of dollars and tens of thousands of dollars over the past, saying that they are deposits. Wang’s brothers have no paper or pen in their hands, so they say that they will receive the money first and send the certificate of deposit to your house in two days...

Not to mention certificates of deposit or receipt, sometimes there are not even witnesses next to you. How do you prove that the Wang brothers have collected money? How do you prove that they are not private transactions but deposits in credit unions?

According to preliminary investigation, the Wang brothers alone caused the difference between the deposits and credit unions of the credit union's computer accounts of the villagers in the two villages to reach 3 million yuan, and there were about 2 million yuan in receipts and the inability to prove cash receipts and payments.

The Credit Union then conducted a secret investigation of the credit officers in the jurisdiction. I really didn’t know if I didn’t check it. I was shocked when I checked it! More than 350 credit officers in the county were suspected of being tampered with misconduct, and there were rumors that “extracorporeal circulation” were as high as half!

How much is the amount involved? Director Guo of the Credit Union hesitated for a while before revealing a terrible number: 40 to 50 million!

No wonder the cold water fish was depressed and Yu Fu was hospitalized.

Don’t underestimate the number of 40 to 50 million. It is essentially different from the explosion of Shanglin Trust and Investment Company. After all, it is still as big as Yulu Commercial Center.

There is a big problem with credit officers, which involves the vital interests of thousands of households. More importantly, it arouses the people's doubts about the integrity of credit cooperatives and even banks and financial systems, and has a profound impact.

Up to this day, hundreds of villagers in Guodui Village and Guoniu Village have been besieging the county government for ten days, blocking the main entrance and preventing vehicles and pedestrians from entering and leaving. The vehicles that Bai Yu came to report were covered in secret under the guidance of the security guard. Usually, they went to and from get off work, including Secretary Yu Shu, who walked in and out of the north side.

What's even more funny is that the county government has to provide three meals a day to the villagers of the besieged county government. After eating, lunch boxes, empty bottles, wrapping paper, etc. are thrown all over the floor. The security guards gritted the bullet and mixed in the crowd to clean up.

Needless to say, the fiscal situation has been reported at the Party Committee meeting of the government in the afternoon. The fiscal deficit last year was 400 million, and only nine days have passed in January this year, and the first quarter quota has been used up!

The Finance Director said something that made all the leaders present dismay:
Chapter completed!