"Okay, Manager Lin, let's start the questioning and record the whole process."

"Wait a minute, sorry for interrupting." Rosa smiled and raised her hand, and said flatteringly, "Lin Qiang has just been promoted to director of the business hall, and your name cannot keep up with the change."

Liu Ming was stunned and a little embarrassed. Then he suddenly realized that he seemed to have missed something. According to the information at hand, Lin Qiang was only the former head of the financing department of the Financial Street Branch... He did not explain Lin Qiang's current position at all.

"Just call Lin Qiang." Lin Qiang nodded to the opposite side.

"Oh... OK, Lin Qiang." Liu Ming raised his glasses awkwardly and asked, "You have been working in the Financing Department of United Bank-Financial Street Branch from September 2011 to half a month ago. What do you know about Xinda Real Estate?"

The scene was silent, and Liu Ming asked straight to the point and pushed Lin Qiang directly to the tip of the knife.

Beside me is the mastermind behind the scenes who have always been scheming myself and the branch-level leaders.

Opposite is the law enforcement officer of the Office of Audit.

How to express this matter and to what extent it is a question that takes a long time to think about. Thanks to the prompt in the early morning last night, Lin Qiang had time to think fully.

"Lin Qiang, let's be honest." Rosa nodded at Lin Qiang, and then smiled at the opposite side, "This Director Lin is still very young and has never seen this scene before. I'm sorry."

"It's okay." Liu Ming reminded him as if he was helping Lin Qiang, "According to the president of the Financial Street Branch and the current team leader, you should be very clear about the company Cinda Real Estate, right?"

Lin Qiang's heart was tight again.

At the door, Qian Mingming begged him to let him go.

How did you understand this company very well based on his explanation?

He clearly hoped that he wouldn't say anything.

Before Lin Qiang could speak, Rosa smiled and said, "Team Leader Liu, you are so skillful in your questioning. Lin Qiang hasn't started talking yet, right?"

"Haha, Director Luo, this is your second interruption, right?" Liu Ming raised his glasses confidently and looked at Rosa and said, "When our Audit Office asked, we had no obligation to let the bank leaders attend. It has been very convenient now. I hope you don't participate too much."

Rosa frowned and leaned against the back of the chair, stopping speaking.

Lin Qiang breathed silently, is this Liu Ming still very aura? That's right.

He had made up his mind and immediately spoke: "As Qian Cai and Nie Xiaofeng said, I have a certain understanding of Xinda Real Estate."

"About half a year ago, I became the leader of the third group of the financing department and began to coordinate all the companies and loans in the three groups. In the gap between regular business, I will review the previous loans one by one and identify the risk level of the company."

"Offer," Liu Ming asked, "Is the result you identified still there?"

"It should be all in the official document cabinet. I will leave it to the next team leader of the third team before the transfer."

Liu Ming nodded to his colleagues around him: "I have not explained this before."

After saying that, he waved his hand: "Please continue."

"According to my personal habits, I will divide enterprises into S, A, B, C, Z..."

Liu Ming said in surprise: "Is it Z after C?"

Lin Qiang nodded calmly: "Yes, if you have Z level, it's a bomb, you must not touch it."

"Interesting..." Liu Ming smiled and signaled Lin Qiang to continue.

"S-level enterprises are high-quality enterprises that will never have any problems. They are either state-owned backgrounds or have strong capital and physical asset bases. They are those that are absolutely profitable within 5 years and cannot go bankrupt within 10 years. The risks are increasing step by step. If you don't have strong asset mortgages, you will never be able to make loans. Unfortunately, in my compilation, Cinda Real Estate belongs to the Z-level."

"Oh?" Liu Ming was obviously very interested, "How to judge."

"This company is an old customer of the Financial Street Branch. Before I came to United Bank, I had already loaned 150 million yuan from the bank, and then gradually followed the company. Until now, it has a total of 750 million yuan, of which the first 550 million yuan was reached before I took over the team leader. When reviewing the loan materials, I found that the mortgage contracts used by Cinda Real Estate were mortgage contracts, totaling 557. This situation of not mortgaged fixed assets occasionally occurs, but this has been the case for many years. At that time, it reached a scale of 550 million yuan, which is rare. So I began to study the mortgage repayment information of Cinda Real Estate and found that there are often gaps in between, and each time the loan is added, the part will be paid back. This is likely to be a loan to repay."

Liu Ming affirmed this: "Yes, we also found this suspicious point when reviewing the financial data of Jijing Branch."

Lin Qiang continued: "After that, I studied the financial statements and mortgage contracts of Xinda Real Estate in detail, found many doubts, and confirmed that the company was extremely dangerous. Considering that this company is one of the top 500 enterprises in China, I did not over-promote the public, but asked my leader at that time for instructions and applied to withdraw these loans."

"Oh?!!" Liu Ming asked in surprise with his arms, "Are you sure there is such a thing? No one in front of you said it!"

"What?!!" Lin Qiang was even more shocked and stood up excitedly, "Impossible! Many people in the industry know that it is possible if the money doesn't admit it, but Nie Xiaofeng must have known that he had copied a lot of the materials for me at that time!"

Liu Ming's eyes changed instantly, and he raised his hand and said, "Well, you can talk about it first, we will investigate the specific matters again. This kind of conflict is very common during the investigation."

"Lin Qiang, don't be like this." Rosa glanced at him and said, "As we all know, you are incompatible with money, so you won't even use the law enforcement of the Audit Office, right?"

Lin Qiang frowned and glanced at Rosa.

"Lin Qiang, let's continue talking." President Chen, who was on the side, waved his hand to Lin Qiang.

Seeing the president's reaction, Lin Qiang also felt angry to refute.

The president’s meaning is very obvious. If you want to make trouble, don’t lose the bank’s face in front of outsiders.

"Lin Qiang, keep going, don't be affected by emotions." After Liu Ming persuaded him, he said to Rosa again, "Director Luo, if you interfere with the investigation like this, I will invite you out."

"Oh... I just can't stand it. This kind of killing someone with a knife... is so heartbreaking." Rosa choked and covered her face and waved her hand, "I won't say it anymore, you guys."

Lin Qiang really saw his magical acting skills, and Hao Wei and Rosa are so different.

"Okay, I'll emphasize again. I've mentioned this matter very clearly to Qiancai. More than once, many people in the branch know about it." Lin Qiang emphasized, calmed down and continued, "At that time, Qiancai said that this was a Fortune 500 company, and the boss was a regular on the wealth list, so there was no problem. Two months later, Cinda Real Estate proposed an additional loan. Since this company was maintained by our three groups, the order naturally fell on me. I completely rejected the loan at that time. As a branch staff member, it was certain that I could lend better performance, but I would never lend to Z-level companies. Because of this, there was a conflict between me and Qiancai."

"During this period, Zhang Xinda specially invited Qian Cai and me to his private collection hall to see the antiques he collected, and showed an expert evaluation report, claiming that this antique alone is worth billions, and it is impossible for Xinda Real Estate to not pay back the payment. As a financing staff member, I must be very clear that antiques cannot be used as collateral, and I still refuse the mortgage afterwards, and the conflict with Qian Cai deepened."

Finally, Lin Qiang spread his arms: "As you can see, I have been transferred now."

President Chen coughed and his throat: "Lin Qiang, transfer is to transfer, conflicts are to conflicts, don't talk about them together."

"...Okay." Lin Qiang nodded. President Chen is a hard-line leader with a good reputation and the backbone of Jijing Branch. Lin Qiang is quite convinced of his words.

Liu Ming continued to ask: "After this, do you know about the release of this loan later?"

"Well, someone told me that it was approved." Lin Qiang shook his head, "It's so regrettable, this is the result I least want to see."

"Well, we understand what you said." Liu Ming waved his finger and said, "There are four points, and there are conflicts with the two in front."

"First, you said you had just mentioned the issue of corporate risks with money, and the first two people did not explain this situation."

"Second, you said you refused the loan at that time, but according to the confession of the first two, the ones who refused at that time was money. On the contrary, you tried your best to promote the loan."

"Third, Qian Cai also mentioned visiting Zhang Xinda's private collection. According to his statement, you and Zhang Xinda had a personal relationship. The purpose of that visit was to convince Qian to approve the loan, but Qian refused."

"Fourth, according to Nie Xiaofeng, during the loan emergency process, due to the urgent time, he had just taken over the job and was not here again, so he called you to ask about the situation of Xinda Real Estate. You highly praised it. He specifically said that out of respect for you and trust in his ex-boyfriend, he completely believed in your opinion, which made a big mistake."

……………………

"???????????" Lin Qiang was stunned.

"How can you be so shameless?!!" He slapped the table and stood up, "I'll just come back when I ask her mother to pay, I'll explain it to him in person!"

"Lin Qiang, don't be excited." President Chen also stood up and said, "What kind of decent thing is it!"

“…”

The conference room was completely silent, only Lin Qiang's breathing sound.

"Lin Qiang, don't worry, we will investigate clearly." Liu Ming closed the notebook and stood up and said, "Let's just stop at the preliminary inquiry. The investigation team will soon officially enter your bank, which will cause trouble for you."

"Where is the consequence of our improper monitoring." President Chen stood up and bowed halfway to apologize, "We will also conduct serious reviews within and cooperate with the investigation."

After Liu Ming's assistant took off the camera, he said to everyone:

"Then we'll leave first. We should be officially settled in the day after tomorrow. We are expected to occupy this conference room for half a month."

After seeing off the Audit Office and his delegation, Lin Qiang was still in a state of stagnation and anger.

He never thought that money could be so shameless. Nie Xiaofeng, whom he obviously trusted, had the courage to turn black and white in such a blatant way?!

Rosa crossed her legs and looked at him and asked indifferently: "Kobayashi, how are Zheng Shuai doing with you?"

Seeing that Lin Qiang didn't answer, she stepped forward and shook her fingers covered with rings: "What's wrong? You're talking, are you stupid?"
Chapter completed!