Seeing Lin Qiang's sudden frown, Liao Liang also felt uneasy.

"Lin Xing, is this incident related to Qu Kangping?"

Lin Qiang breathed a sigh of relief. It was hard to say anything at this stage, so he just calmly said: "You can briefly talk about the situation first, I'll understand."

"That's right..." Liao Liang tried his best to speak and introduced calmly, "Some time ago, I have been focusing on real estate agencies. During the process, I met the operator of Huixin Investment - Qu Jianping. Their company mainly engages in mortgage agency services and is exactly the same as our bank's business. I mentioned to you at the meeting that half of our mortgage loans are contributed by this company."

"This is indeed the case." Lin Qiang recalled for a moment and nodded in agreement.

Mortgage intermediary services are actually the bridge between banks and lenders. As we all know, there will be many troubles when coming to a bank to handle loans in the name of an individual, the process is relatively complicated, and the time is delayed for a long time. Even though United Banks are already working hard to avoid these problems, the national policies and the China Banking Regulatory Commission are still in place and have to go. In addition, banks do not attach much importance to small loans below the million-level, the risk assessment cost is large and the profit is small, so if you can, you can push it. In comparison, personal loans guaranteed by intermediaries undoubtedly reduce mortgage risks, and mortgage intermediary services emerge.

To a certain extent, intermediary companies are large customers of banks, usually have certain capital and actual assets to banks, and have good reputations. After gaining the trust of banks, they can become the guarantor of retail investors, and as a guarantor, they can help retail investors obtain large loans from banks. Simply put, it can be understood as - banks package large loans to intermediaries, and the intermediaries do not care about the bank's disposal of individual sales, which is similar to the principle of wholesale and retail.

The same applies to the cooperation between Longyuan Business Hall and Baiguagua Car Store. Due to the credibility guarantee of the car store, banks can lend to individuals faster and more conveniently. Car stores are effective and banks are more worry-free.

The Huixin Investment mentioned by Liao Liang is obviously not as open and upright as the Baiguagua Car Store.

Although he knew that there was absolutely trouble, since Lin Qiang had to take on what he had done before, he naturally had to bear it. It would be meaningless to pretend not to know at this time. Perhaps he would be willing to blame him before getting money. But now he clearly knows that there is a right way in the world, and that there will be rewards for his detriment sooner or later.

This is the biggest difference between him and money. He is Lin Qiang, who believes in the righteous way.

Seeing that the president had no intention of urging responsibility, Liao Liang also breathed a sigh of relief and continued: "Lin Xing, you know that Longyuan's main economic activities are still the real estate industry. Personal real estate transactions are very frequent. As for those real estate agents... in my opinion, it is really a bit dark. Although I have a good relationship with them on the surface, they plucked their hair and compared them, and they played too hard, and they were all human beings. In comparison, Huixin Investment mainly relies on the agency service fees collected from customers for profit, and does not ask our bank for commissions. Whether from my personal or the bank's perspective, such partners are obviously better."

"Well, I admit it." Lin Qiang gradually remembered Liao Liang's report to his work. Most of the mortgage loans that exceeded 30 million were indeed from this company. He immediately asked, "Does the loan procedure ensure compliance?"

"Although I haven't been in the industry for much time, I have strictly reviewed my qualifications and there is no problem." Liao Liang said seriously, "Huixin Investment has a mortgaged property to our bank. Although it is not a mortgage handled by our branch, it does have a mortgage. A mortgage worth 70 million yuan. Just with this mortgage, there should be no problem."

"Fortunately..." Lin Qiang finally heard good news, "I'll check it out later. The mortgage situation of Huixin Investment."

The law of loan death - mortgage on one hand and lending on the other hand. If you don’t pay back the money, you will use the mortgaged things to rush. The main problem of Xinda’s previous matter was exactly in this core link. At that time, Zhang Xinda used a forged real estate contract to mortgage it, which was originally a collateral. Rosa and Money deliberately did not strictly review it, which gave Zhang Xinda the opportunity to make a fortune. Therefore, afterwards, the bank found that something was wrong, and there was no way to exchange for a pile of waste paper. The account was difficult to settle, and the money was nowhere to be pursued, so it was irreversible.

Since Huixin has physical mortgage, there is still a lot of room for things.

Lin Qiang then asked: "What about the specific loan process? Are the procedures complete?"

"Absolutely complete." Liao Liang nodded and reached out to count, "They are intermediaries, specializing in agency loans. All loans are handled by Qu Kangping himself - the original customer ID card, there is; the agency authorization letter signed by the customer, there is; the company's real estate agency qualifications are affiliated with 'Aijia Real Estate', which is also considered as having."

"It seems that everything is all." Lin Qiang put his hands on the table.

In the scene that money eye indicates, I also said something similar, it was not me who was wrong, and the program was completely fine.

So, what's wrong?

"What is the approximate amount and loan amount?" Lin Qiang asked.

"This..." Liao Liang thought about it for a moment, "the amount is about 20 million, 7,8 pens."

"Did Qu Kangping do it?"

"Yes, he is the agent of all loans."

"Is there any problem with those ID cards?" Lin Qiang pointed at the table and asked, "Are they all second-generation ID cards?"

"I saw it myself, no problem, second generation, color."

“Where is the mortgage for each loan?”

"Some." Liao Liang said confidently, "Every transaction is only paid after the certificate is entered. I have been in the industry for a short time, so I am afraid of risks. Everything is strictly abide by the process regulations. Lin Xing, you can check it. If there is any problem, I...I..."

Liao Liang said, and saw the basin of water on Lin Qiang's table, pointing at the basin and said, "I ate this basin, I'm not a man if I blink!"

"Okay, I'm convinced!" Although it was in adversity, Lin Qiang smiled. It seemed that Liao Liang was doing things appropriately and had not done anything he shouldn't have done so far. It seemed that everything could be saved.

Other rights certificates refer to house ownership certificates that are processed by the relevant authorities using real estate certificates. They are mostly used for mortgages. It is impossible for banks to collect the person's land deeds. Therefore, they usually collect other rights certificates from the lender, and seal them in the warehouse, and return them on the day when the money is cleared.

Now, there is more than a month before the incident, and I believe that the trouble has not happened yet.

Then, it's time to use the second time of money eye. Lin Qiang turned to Liao Liang, and the world was surging.

[Liao Liang, the wealth fell by 2, after 37 days.]

As expected, even in Liao Liang's future life, the protagonist is still Lin Qiang himself.

"Lin Xing!" Liao Liang sat in the same position as he is now and advised painstakingly, "This month the branch is mainly promoting loan business, and its performance and bonuses have doubled. Huixin's ten major orders are the top priority!!"

"Take the right warrant in one hand and lend the money in the other hand. This is nothing to say." Lin Qiang in the scene was also very confused, "These tens of millions... are important, but lending without the right warrant is non-compliant, which is equivalent to unsecured."

"I've inquired about this business, but you can change the way you go." Liao Liang advised, "Didn't Huixin have a 70 million property mortgage for us? Move these scattered mortgages to the top for too much, and you can force the process to pass. When the other rights certificates there are obtained, we will make up for it."

"How long will it take? Just a warrant..." Lin Qiang asked with a frown.

"We have to delay this month, and we all know the efficiency of state organs." Liao Liang clenched his fist and said, "Governor Lin, if we can make more loan performance in this month, it will be a few times more for our branch. After passing this village, there will be no such price!"

"I think about it again..." Lin Qiang asked with his hands on his head and a grim face, "How much is the total amount of these ten loans?"

"48.2 million." Liao Liangxin was ruthless and continued to persuade, "There is still a lot of room to go before the 70 million property that Huixin mortgaged us. If something really happened, we are also fearless."

"It's 50 million..." Lin Qiang said, clenching his fist, "Even a traditional branch, it's hard to achieve such a big performance in a month."

"Yes, Lin Xing!" Liao Liang said with a look. "At the end of last year, our Jijing Branch exceeded the deposit task. Although we obtained a huge loan amount this year, we also paid a lot of money. Now we are in a hurry to get out the loan and quickly turn losses into profits. If we can place big orders at Longyuan, it is definitely a timely help."

"Besides," Liao Liang said, lowering his voice, "I heard... you and your girlfriend are starting to prepare for the wedding. Lin Xing, you are going to buy a second house. Lin Xing, you are a decent person. This time you are also interested in a luxury house. You will definitely not be vague about your fiancée... I heard... the down payment for the house alone costs 1.5 million?"

Lin Qiang was slightly moved: "Yes... it can't be, it's worse than what I bought for my parents..."

"This 50 million loan performance can also solve your urgent need for you..." Liao Liang finally used a big killer, "Didn't President Huang say that the branch has prepared a special bonus to reward the branch manager who ranked among the top loans this month..."

Bang!!!

Lin Qiang finally slapped the table with a palm and decided on the matter.

"Damn, how many times can you fight in life? Huixin has a mortgage of 70 million yuan, so I did it!" Lin Qiang made a fuss and fought for the branch, for himself, and for his family.

The scene returns to this moment.

Lin Qiang, who has seen this scene, was full of fear.

That myself is really eager for quick success and instant benefits, and is obsessed with profit.

Under the triple pressure of marriage, family affairs, business affairs, and such a choice was made.

"Lin Xing? Is it okay?" Liao Liang shook his hand and asked, "Can you ask what the branch people said and why should you pay special attention to Qu Kangping?"

"Cough...this." Lin Qiang coughed and took his heart back, "It's because this company has too many businesses recently, and the people reviewed by the branch asked me to be careful."

"Hey... I'm scared to death." Liao Liang breathed a sigh of relief, covered his chest and sighed, "I thought... I was cheated of loans, grandma... Lin Xing, don't worry, since you have reminded me, I will definitely keep a close eye on it later."

"Yeah." Lin Qiang nodded blankly and ordered, "That Qu Kangping, you ask him for a while, I want to meet him."

"No problem, I'll call now." Liao Liang agreed, dialed the phone, made an appointment with the other side. After being polite, he made an OK gesture to Lin Qiang, "Boss Qu is very enthusiastic and wants to see you very much. It's 10 o'clock tomorrow morning. He's here, can he?"

"no problem."

After putting down the phone, Liao Liang relaxed a lot: "Then Lin Xing, is there anything else?"

"It's gone for the time being, go and do it."

"Okay." Liao Liang got up, and was about to leave, paused again, turned around and pointed to the basin on the table. He smiled awkwardly, "Lin Xing, do you want me to take this thing out? I want to eat it when I see it."

"Haha." Lin Qiang laughed dryly, "Thank you for your hard work."

After Liao Liang left, Lin Qiang sat on the chair and thought for a long time.

Now it seems that it only takes 37 days to not agree to Liao Liang. If you stick to the bottom line, you will have no big problem.

But there are still doubts and risks in this matter.

Liao Liang's incident happened 37 days later, and his transfer was executed 46 days later. The gap between them was too short, even if there were risks, it was difficult to happen in such a short time, not to mention that Huixin had a mortgage of 70 million yuan in the bank.

Maybe there is more in the middle?

Lin Qiang now missed that basin of water, so he wanted to plunge it in and calm down.

The use of Qiankun Eye today has reached its limit. There is nothing more to explore about Liao Liang and Xiao Donghai. As for Qu Kangping, I will only see him tomorrow.

But if I don’t understand this, I will probably find it difficult to fall asleep this night.

"No." Lin Qiang picked up the phone and first called Qian Bo's number. After answering it, he made some polite mistakes.

"Lin Qiang, if you have something to say, we don't need so much greetings." Qian Bo understood very well, knowing that Lin Qiang would not call for nothing.

Lin Qiang smiled and said, "Brother Bo, the branches are all new teams now. I don't know a few people at all. If you want to do business, I can only find you."

"Oh, do you want to talk about something? Hurry up and have a meeting." Qian Bo was not polite and thought Lin Qiang was his own.

"That's right. I want to check the mortgage that a company has given to our bank."

"Oh?" Qian Bo was stunned for a moment, "Investigate openly or secretly?"

He did not ask much about the details, but just wanted to know whether this matter was obvious, which affected his specific way of doing things.

"Everything is fine, come as soon as possible." Lin Qiang said helplessly, "I am always worried about this company applying for a loan from us. Although I am not sure that he has something to mortgage in our company, I am not worried about it. I want to take a look."

"Oh, that's easy." Qian Bo responded, "You send the company information and I'll find the reviewer to handle it as soon as possible."

"Thank you, Brother Bo!" Lin Qiang smiled, "I should have a review of such a small matter myself, but I can't help it. I'm anxious. Brother Bo, you have a greater face than me."

"How many times have you said it, don't talk so much nonsense!" Qian Bo said with a smile, "We will talk about it after the next regular meeting. I'll have a chance later."

"Talk and chat."

Lin Qiang put down the phone, got up and went out, and told Lin Xiaozao to find Liao Liang to ask for Huixin's information, and quickly sent it to Qian Bo. Then he returned to the office, and all his thoughts were still entangled by this matter, and he couldn't help it, so he called his master's phone number again.

Lin Qiang, who was worried, seemed to easily make people notice something strange. After a few polite words with Hu Xiao, Hu Xiao also said bluntly: "Lin Qiang, are you okay?"
To be continued...