Chapter 268 The root of the bad debt

Faced with the fierce rush of the strong security guard, Wen Zhu immediately retreated back three steps in a row, as if he was a little timid. But after three steps, the woman with flexible steps suddenly rushed forward. At this time, the strong security guard's strength had just been used, the old force had gone, and the new force had not yet emerged.

Just kidding, comparing the speed and agility of footwork with an ace bodyguard isn’t that asking for death? Even though Wen Zhu had a good foundation in Kung Fu back then, he had trained footwork for more than a year when he was studying assassination, and he jumped and jumped all day long. His agility was much better than Li Wuzhou’s kind of training!

Bent over and swept across, and the strong security guard was accidentally swept his calf! Suddenly, a dog bite from his body of 180 kilograms, scaring many people. After turning around, Wen Zhu instinctively raised her elbow and hit her opponent's neck. If this blow was continued, she would be disabled even if she was not dead. Thinking of Yi Jun's advice that "stop the end", he finally stopped, but rushed forward and knocked down another security guard.

The strong security guard had already climbed up and was about to get angry. At the same time, there were four other security guards in front of Wen Zhu.

But at this moment, Shen Jingyi suddenly stopped and said in a satisfied tone: "Stop! Miss Wen raised her arm and wanted to smash your neck, but she stopped, why are you hitting? If it was a real actual battle, that elbow would knock you out. As for the remaining four, I don't think it's necessary to continue the competition."

Well, although Shen Jingyi doesn't understand kung fu, she still understands the general principles. There are no ten people besieging Wenzhu, and the remaining four are not enough. Because the fall of the first six security guards did not get Wenzhu's slight injury.

A delicate girl successfully defeated ten big men. Except for a little bit of fragrant sweat that oozed out of her forehead, Wen Zhu had nothing else. In Shen Jingyi's opinion, this kind of female bodyguard was indeed extremely rare.

Ten security guards left ashamed, and Shen Jingyi looked Wenzhu up and down with great satisfaction, nodding constantly. Then, she turned around and smiled at Yi Jun: "Your company is indeed hidden and hiding. I am very satisfied with the level of this Miss Wen, so I hired her. Based on the price I discussed with Miss Bai yesterday, I took the initiative to increase the commission of 20%."

Yi Jun smiled: "It is our consistent purpose of Zhenghe to ensure customer satisfaction to the greatest extent. Thank you Director Shen, I hope the cooperation is pleasant."

As he said that, he stretched out a big hand. He just gently held the other person's four fingers and shook his hands politely.

Shen Jingyi was also very eye-catching and asked with a smile: "However, if you are the leader of the company, you, may have something else to do?"

In Shen Jingyi's opinion, I'm afraid that the bodyguard company is taking advantage of this employment relationship to win over the relationship and borrow some money from the credit cooperative. Anyway, most of the people who deal with their credit cooperatives are borrowing money.

Yi Jun smiled: "There is indeed a small matter, which can be regarded as a small business. I hope I can talk to Director Shen."

Shen Jingyi did not refuse, thinking that if Zheng and the bodyguard company borrowed money, they could consider it within a reasonable range. Such a company with real skills should still have some background. Loans are indeed risky, but they cannot be abandoned because of the choke. After all, collecting interest on loans is the basis for any banking financial institution to survive.

However, Chen Jingyi was wrong this time. As soon as Yi Jun spoke, he did not mention the loan at all, but smiled and said, "Director Chen, I heard that someone is causing trouble for you this time because you fired a lot of people in the credit cooperative and offended them?"

Chen Jingyi didn't expect Yi Jun to ask this, but these are not secrets. The entire Jiangning had been spread all over, and even the entire Yuedong Province financial circle had long been well known. So he nodded.

Yi Jun said: "Can you not even get back 30% of the bad debts?"

What do you mean? Chen Jingyi is a little strange, but he still said: "At the beginning, these employees were almost like joining the borrowers to cheat the credit union's money. When they first borrowed money, they did not intend to repay it. The so-called three-household joint insurance policies were actually not wrong, and they were also to facilitate loans for ordinary people. However, these policies were corrupted by those bad employees. In fact, it was not just this policy, but also ordinary mortgage loan business. After all, it was not a problem of the system, but a problem of people - it was our own employees' lack of professional ethics."

Indeed, the system itself is correct, but it has been damaged by bad internal employees. For example, the three-household joint guarantee policy has indeed facilitated many people. This rural credit cooperative serves more rural areas, and the flexible loan method has indeed solved the problem of small capital shortages for many rural entrepreneurs. Because most farmers do not have any collateral, and it is indeed very difficult to borrow from other commercial banks.

So Chen Jingyi gave another example. He said that a person had a loan of up to 700,000 yuan from the Credit Union, using two store houses as collateral, including photos of the store houses, and some related copies. But later when the money was not urged, the Credit Union was preparing to take back the two street-facing stores, but found that the store was not the lender at all. Moreover, he found a guarantor but had no ability to repay!

In other words, the lender took a photo on the street and made a copy of the fake real estate certificate, and then came to the Credit Union to fool him and left for 700,000 yuan!

Logically speaking, the credit cooperative staff who handled the relevant procedures should verify the authenticity of the property certificate and needed to go to the storehouse for on-site inspection. However, the deputy director of the Jinwan District Credit Cooperative, who handled the business, did not do this at all. Afterwards, the problem broke out, and he said it was his work mistake, but what could it be? The guy who borrowed 700,000 yuan had already lost all at the gambling table, and even he disappeared.

As for the guarantor, the poor guarantor has no ability to repay the loan, although this poor guarantor has joint liability to repay the loan.

So, the account became a bad one. A deficit of 700,000 was created.

Of course, there must be interests that are entangled. No profit is not enough to get up early, and there is no certain benefit fee. Will the deputy director help the lender hide the truth like this? It is said that for every time a similar malicious loan is borrowed, the middleman (similar to the deputy director of the Jinwan District Credit Union) can get 20% of the benefits. In other words, he helped the lender to get 700,000 malicious loan, and he got 140,000 in one go! As for the lender, he actually got only 560,000!

There are similar situations in other cities, but it is hard to say whether the benefits are 20% or not. At least this price is in Jiangning's circle.

In short, there are too many similar bad things, and countless. Otherwise, there would be such amazing bad debts in Jiangning Credit Union.

Yi Jun nodded, thinking that the circle on the ground was also very dark, not necessarily much cleaner than the underground circle. "Actually, the deputy director you mentioned was an illegal act, and a simple fire was considered cheaper!"

Chen Jingyi smiled bitterly: "What's the solution? There are many things that lack evidence. And I'll send hundreds of previous ones to the court at once, so I won't have to mess around."

It can be seen that the female director was also very sad about this.
Chapter completed!