,

Taking advantage of this system's gray area, or the free space deliberately left by the designer, the reserve for bad debts has become a tool in two aspects:

First, adjust profits. If banks want to reduce the profits of the statement and pay less income tax, they will withdraw more bad debt reserves; if they need to increase profits, they can make the statements more beautiful, but they can only use them as a reservoir for profits according to the minimum standards.

The second is the transfer of interests, which is the issue of Luxon's focus on rewards.

There are very strict regulations for banks to write off bad debt loans: loans that cannot be recovered cannot be recovered after possible measures and necessary procedures are required to be reviewed and approved by the State Taxation Department before they can be cancelled.

Theoretically speaking, as long as the system is implemented seriously, it should be fine? However, in places where everyone thinks it is fine, some "smart people" have to make room for operation.

According to the investigation by the Commission for Discipline Inspection, the actual controller of Runze Jinyan Electronic Technology Co., Ltd. is Lou Chengkun, and the registered capital was transferred from the basic account of Pinghan Group, in order to enjoy the tax preferential policies of the high-tech electronics enterprises at that time.

Later, Jinyan Electronics obtained a technology support loan of 90 million yuan from Runze Bank through special channels. The loan period is two years. As long as half of the interest is given at the benchmark interest rate, the other half will be subsidized by the financial department.

However, if something happened, the loan was not returned after it expired. After that, Jin Yan declared that the business had suffered serious losses and was insolvent, and went bankrupt directly! Runze Bank was stunned and quickly adopted debt collection, litigation and other methods to preserve assets.

The loan guarantor is Pinghan Group. In theory, Jinyan cannot pay back the money, so Pinghan Group should pay the bill. However, Pinghan Group also has something to say, and took out a lawsuit to confess that it had a 120 million yuan financial dispute with Jinyan before that, and Pinghan Group could not be a surrender.

Runze Bank said that 120 million yuan is a financial dispute between you, and it has nothing to do with me. If the loan contract guarantee column is clearly stamped with the official seal of Pinghan Group, it should assume the guarantee obligation.

Pinghan Group said that Jin Yan would repay 120 million yuan first, and I would definitely repay the loan of 90 million yuan.

Both sides argued and refused to give in.

According to the guarantee law, Runze Bank's claim is correct, and Pinghan Group obviously makes a point of reasoning, but Runze doesn't know the origin of Lou Chengkun, and the court has been reluctant to make a judgment.

At this time, Deputy Mayor Pan came out.

He called the chairman and president of Runze Bank to the office and bluntly said that local banks should revitalize the local economy and provide continuous support for the development of local enterprises, rather than dragging their backs at critical moments and causing trouble to our celebrity companies and big taxpayers! Isn’t it just 90 million? Runze Bank’s book reserves are kept for more than 5 billion bad debts? What should be dealt with must be dealt with!

Deputy Mayor Pan did not make it clear that Pinghan Group was, but the two leaders of Runze Bank knew it. When they went back to take out Jin Yan's loan contract and archives and studied it repeatedly, they still felt that it was inappropriate and were ready to use the procrastination method for a period of time.

Two months passed in a blink of an eye, and there was no movement in writing off the bad debts. Deputy Mayor Pan was furious and immediately notified the Finance Bureau that the State-owned Assets Supervision and Administration Commission did something...

When Runze Bank was reorganized and flipped, in order to improve asset quality and enrich capital, it also meant to prevent it from being annexed by Xuancheng Bank. Runze City Official decided to invest 30% of the stake in the finance department and become the second largest shareholder of Runze Bank in one fell swoop.

What Vice Mayor Pan intends to do is to propose a proposal to remove senior executives at the soon-to-be-convened Runze Bank board meeting!

This trick is very good at shaking the tiger, because after the reform, Runze Bank's personnel rights and management rights have been essentially taken to the local government and are affiliated with the Municipal State-owned Assets Supervision and Administration Commission. The local government has the right to appoint and remove the leadership team of Runze Bank - of course, under normal circumstances, it will not intervene and let professionals do professional things.

The proposal for the removal proposal at the board of directors will definitely not be passed, but it undoubtedly sends out a signal that the current leadership team cannot get support from the local government. Those who have ideas will show their courage in the future, and in the end, they may really be able to have a slap.

By the way, who can’t be a leader? You can learn while you have no experience, and the same is true for banks.

The chairman and president of Runze Bank were anxious and ran to Deputy Mayor Pan to report the work and make a confirmation. After all, the bank usually has close contact with the local government, so it is really important to explain where the conflict is.

Deputy Mayor Pan once again mentioned that the reserves for bad debts are very sufficient and he is able to write off bad debt loans. Why not do it quickly?

Finally figured it out!

The two immediately said that they would organize the bad debt loan verification work as soon as possible after they went back, and asked the Municipal Finance Bureau and the Municipal State Taxation Bureau to cooperate.

During the subsequent bad debt verification process, Deputy Mayor Pan also "careed" several times, and it was not until the 90 million loan borrowed by Jin Yan was written off.

"This is no longer a simple civil case, but a criminal case of using power to seek personal gain to embezzle state-owned assets!" Luxon concluded his narrative with short and powerful words.

Fang Sheng also felt dizzy.

It's really shocking. Think about how many people get red envelopes and kickbacks? I have to help others with gifts. When the Discipline Inspection Commission found out, I was frightened and couldn't sleep at night. Good guy's order was 90 million, and he didn't blush and his heart was beating. Everything was under the legal framework!

No wonder people are now prohibited from giving gifts to their homes, but instead popular benefits are transferred.

You carry some cigarettes and alcohol in big bags, and have been rushing for thirty years. I still doubt whether you are real or fake. You don’t dare to smoke high-end cigarettes in public. How much money can it be worth?

Real estate developers "borrow" houses for Miao Zhangrong to sell them. How much does it cost to go in and out?

When I first arrived in Runze last year, I heard Yu Xiaoting say that the Lou family has several hundred million assets, so it turns out that they all got it like this!

After thinking for a long time, Fang Sheng said:

"Comrade Kesong investigated it very carefully and deeply. Through this matter, we have also learned a lot of professional knowledge. Thank you for your hard work. Because it involves the financial system that rarely interferes in the past, it not only means that anti-corruption has moved into deep waters, but also raises new challenges, which encourages us to continue to learn and make progress! I have two ideas about the case..."

The city committee secretary had made a request, and Luxon opened the notebook to record.

Fang Sheng said: "First, we must further verify the case. Judging from Kesong's previous return, Mayor Pan did not mention Jin Yan in several conversations. This is a flaw. As the deputy mayor in charge of finance, he has reason to give instructions on the bad debt write-off of Runze Bank. At the same time, there is no evidence that Mayor Pan is preparing to submit a no-trust proposal at the Runze Bank board of directors and has a direct connection with the bad debt write-off. Everything is based on speculation and analysis."

"Yes, we must continue to work hard in this regard." Fang Sheng hit the nail on the head, Luxon had nothing to say.

"The second thing is to work with Runze Bank to make up for the losses," Fang Sheng said. "The purpose of investigating the case is not to mess with people. How many cadres are dragged into the water. It is basically to stop the loss. Let the evildoer spit out the money he swallowed out and it is beneficial to the people. I don't know much about this. Kesong can learn more about it, that is, the bank has written off the bad debts, can it continue to ask Jin Yan or guarantee Fang Pinghan for money? If the legal support is supported, call Pinghan over for negotiation and strive for leniency."

"I don't think it's a problem with money, but the fact that the case is very serious." At this time, Luxon was determined to make things worse and how could he be willing to "handle it leniently".

Fang Sheng didn't argue with him, and smiled and said, "Take a two-pronged approach, and sing any songs at any mountain, and do it step by step."

When Luxon left, Fang Sheng immediately dialed Chen Jiao's cell phone. At this time, Chen Jiao was presided over the meeting. Seeing that it was Fang Sheng's number, he guessed something, and immediately interrupted the meeting and went to a safe place to answer.

Fang Sheng was not polite and repeated the situation Luxon reported, emphasizing that 90 million is not a decimal. It is not a question of whether to suppress it or not, but a sentence that requires a prison sentence!

Chen Jiao was shocked when he heard this. He even said it was impossible and impossible. Wait, let me figure it out!

While reviewing the documents and waiting for the news, Wei Junsheng suddenly appeared!

The reason why it was suddenly said that Wei Junsheng promised to send messages as soon as possible when he met Dajian last time, but he delayed for more than a week without phone calls or text messages.

Fang Sheng understands.

Dragging Wei Qing into a complex and unpredictable vortex is a difficult decision for the Wei family and son.

But Wei Junsheng actually ran to Runze without saying hello in advance, which surprised Fang Sheng and was very nervous: Could it be that Wei Qing clearly refused, and Wei Junsheng felt sorry and did not come to say hello specifically?

Wei Junsheng carefully locked the door and signaled Fang Sheng not to make tea. He pulled him straight to sit side by side on the sofa and said with a rare and serious attitude:

"The situation is urgent and I'm not polite. Let's talk about you first. In the past few days, the Zhong Propaganda Department will have a news team coming to do an exclusive interview with you. The outline and other outlines will be posted two days in advance. Just prepare for a little bit. It's not a difficult thing for you..."

Ah, is the character interview not the purpose of Wei Junsheng's trip?

What a big deal that would be!

Fang Sheng felt even more assured and looked at the other party with a little nervousness.

Wei Junsheng opened his mouth and wanted to say it. He suddenly got up and checked the door lock again. Then he turned around and sat down. His expression was a little uneasy and whispered: "This matter is very troublesome and difficult. If you can help me, you must keep it absolutely confidential. You can't tell anyone!"

He all believed that Fang Sheng would definitely help, but the question was whether it would be successful or not!?

Fang Sheng's heart was hung high by him - Guan Zhizheng Hall would not have such a strong curiosity, but Wei Junsheng's performance today was too weird, which made him feel strongly uneasy.

"Tell me what the hell is going on?" Fang Sheng asked.

"No matter what the result is, I must not tell others, including Bai Ling, Xu Li, Ainia, etc." Wei Junsheng said solemnly.

"Just say it!"

"Just listen, don't talk!" Wei Junsheng leaned into Fang Sheng's ear and said, "Yan Shen and Qiao Lian slept together and were arrested by Xuancheng police!"

Fang Sheng jumped up like a spring, looking at Wei Junsheng, and was speechless with horror!

No wonder Qiao Lian didn't bother her for several months and didn't even call her. She turned out to be together with Yan Shen!

No wonder Yan Shen asked to go back to Kyoto on the 29th day of the twelfth lunar month. He said that the review meeting would not return until New Year's Eve; later he met Tong Guanghui at Kyoto Airport, and said that Qiao Lian would handle any foreign bank complaints and would stay in Xuancheng for one more day!

At that time, Fang Sheng joked that it was a sequelae of the release of Beijing officials, but Tong Guanghui's face was not very good-looking, and it seemed to be indescribable. Now, thinking about it, maybe he feels the crisis of marriage?
Chapter completed!