After a while, Liu Ming smiled and said, "Forget it, this time, it is mainly to investigate Xinda's affairs. These loans are not a big problem. I will warn you verbally and not go into it. I will not take any further examples. When the matter is played, you will ask the leader to check the merits and demerits, you have to invite everyone to dinner."

Lin Qiang was overjoyed when he heard this and said to the surroundings: "This must be!"

The auditors around also smiled, but Lin Qiang could feel the secret smile behind this smile.

He also figured out what Liu Ming meant. He could say this in private, why should he say it openly? Instead, he felt like he was telling the world. Lin Qiang recalled Liu Ming's attitude these two days. He always took the initiative to chat with him, and was in the conference room, under the noses of more than a dozen auditors.

So that's it...

Lin Qiang and Liu Ming smiled knowingly again.

All auditors themselves also know everything and know that these small flaws have been found. If Liu Ming silently suppressed them, the auditor will definitely question whether there was any transaction between the two, or whether Liu Ming had any transaction with the bank. And Liu Ming publicly stated that he would not pursue the matter, but it would be much better. In addition, in the past two days, everyone has watched the two go from "first meeting" to "hate they met too late", and all this is natural.

If someone wants to give Liu Ming an acupuncture in the Audit Office and says he intends to favor Lin Qiang, then there will naturally be some slap in the early morning.

"Well, let's change the next group." Liu Ming waved.

Soon, the auditor put away these and spread several other sheets of materials on the table.

After the side dishes, the meal was finally served. Lin Qiang had a premonition that it was time for him to influence the incident.

The materials this time are the approval materials for every loan from Xinda Real Estate in the Financial Street Branch over the years.

Liu Ming pointed to the materials and said: "In May 2005, 200 million loans were issued. In November 2008, 150 million. In September 2011, 200 million. Then there is the most recent transaction, 200 million."

"Yes." Lin Qiang nodded and said to Liu Ming, "This is all the materials."

"I believe this, the materials are very detailed, from mortgage to corporate financial reports, everything is available. I believe you have brought all the official records of the bank." Liu Ming spread his arms and said, "To be honest, we found that this series of opportunities for non-performing loans was actually due to the debts that Cinda Real Estate has been owed many times and has been chasing loans many times. In other words, we went back to the fact that Cinda's loan fraud was discovered based on the process and results."

"Then now." Liu Ming gently pushed the auditor, asked him to get out of the position, and then pulled Lin Qiang to sit here. "Please analyze these approval materials based on the professional vision of the bank staff, starting from the first loan in 2005. If you don't know whether the company's problems can be discovered in advance and discovered on the spot."

Lin Qiang naturally refused: "The strictness of the Audit Office is higher than that of our bank. It's right according to your professional vision. Which one is better for me to show off?"

"No, we are willing to give up the disadvantage in this regard!" Liu Ming shook his head repeatedly and explained, "Our Audit Office conducts an after-authorization audit, which is based on factors such as capital flow and other factors, and finds problems with doubt. On the contrary, your bank complies with on-site theory. You need to evaluate the risks and value of the company on-site. You need to carefully review each line of the company's financial report to estimate what will happen later. You have a specialty in your profession. I dare say that you are not as good as me in audit, but approval is definitely not our strength."

"I see."

Since Liu Ming said this, Lin Qiang naturally didn't want to push it anymore. He also knew that as a representative of the bank, he had to face this matter, and this was also his most core role in the entire incident.

He picked up the first piece of materials in 2005 again, the one he had seen many times.

The scene was silent, and the auditors stopped working and looked at Lin Qiang, because they knew that it was not important to find some irrelevant things on their own; they knew even more that Lin Qiang's statement was likely to become an important reference material for public prosecution. This not only affects the degree of fault of the parties involved, but also the professionalism and reputation of United Bank.

On the surface, Lin Qiang was looking at the materials lightly, but in fact, his eyes were simply sweeping around. He had read the materials countless times and had already been familiar with them. He was just thinking about how to say it, what should it be said, and what should it be said to be the safest, and it would not cause harm to United Bank.

The first loan was released when Rosa was the branch chief. At this time, will Rosa be unable to recover?

Zhang Jiaming, Hao Wei, Qian Cai, Chen Liang, these annoying faces flashed through his mind.

Later, Zheng Shuai was transferred because he was unwilling to betray him.

Of course, I also have myself who was in the workplace rules and was at the end of my life.

The relationship between me and Rosa is no longer a holiday, but a hatred.

Unlike the small fight between myself and Zhu Fengshan, the Rosa Group used its opposition to lending as a lead, intertwined layers. Up to now, I have been forced to hurt Rosa's relative Hao Wei, and have caught the hot loan fraud potato, which has destroyed her and Chen Liang's equity plan. Perhaps without knowing it, I have caused something else.

This doesn't matter anymore.

At this moment, there is no possibility of compromise.

Lin Qiang suppressed his voice and suppressed the dark fire that had accumulated for many days, and spoke silently.

"I... think... Luo...sha..."

"Wait." Liu Ming suddenly interrupted his thoughts.

"Hmm?" Lin Qiang looked up in confusion.

"We are engaged in finance, we must be cold-blooded animals." Liu Ming said this without thinking.

“…”

Liu Ming continued: "Our work is facing financial reports, data, money, debt, options, and stock indexes. Every decision we make will determine the survival and development of the enterprise, determine the national economic fortune, and affect the food rations on the tables of thousands of households."

Liu Ming lowered his head slightly, revealing his original serious expression: "People like us can only choose cold-bloodedness and facts. Whether it is pity, sympathy, or revenge, it will ruin us and others."

"Lin Qiang, get cold-blooded!" Liu Ming nodded vigorously at Lin Qiang.

Liu Ming's sudden call seemed to be a warning that he had prepared for a long time. He wanted to tell Lin Qiang that other things I, Liu Ming, can be convenient for you, but we must be realistic about this matter.

Lin Qiang trembled and grabbed the material and stared at the material.

Sometimes hatred will tell him that it is a chance to defeat her.

Sometimes, people around him will tell him to be careful of being used by others and not to be ashamed of the banker's morality.

"I... think......" Lin Qiang gasped, his two emotions intertwined in his brain, and the words in his mouth stopped at this moment.

He knew very well what the material was going on and what the level was.

Follow the facts or take the opportunity to exaggerate the facts?

"I think..." Lin Qiang finally threw down the material, closed his eyes, and leaned back and said, "Even I could not see the flaws of this material at that time."

Finally, he chose the facts, which also followed Chen Xingyuan's most core instructions.

Lin Qiang didn't see it. After saying this, Liu Ming seemed to suddenly breathe a sigh of relief.

"How do you say it?" Liu Ming asked.

Lin Qiang opened his eyes again and took out several key documents: "For the first loan, Cinda Real Estate used a forged 555 mortgage contracts to cheat loans by fake mortgages. Based on the real estate appraisal at that time and the future potential of the real estate industry, we have every reason to lend. This is a very good customer."

"But these contracts are fake?" Liu Ming continued to ask.

Lin Qiang shook his head: "We are bank employees, not appraisers, and we do not have the ability to judge all documents in each industry. If the person in charge was me at that time, he might have visited some units and agencies to determine the authenticity of these contracts. But the trouble is that I am a bank employee, not a government employee. According to our country's national conditions, they are too lazy to help me check. Even if they agree, their efficiency will be crazy. Don't look at it as a small matter to verify the authenticity, it may take half a year."

"Then shouldn't it be verified?"

"Of course, everyone wants to do a risk-free business, but we didn't wait for this. Real estate was a hot topic at the time, and major banks rushed to lend to large-scale companies with land and good relations with relevant land departments. Although Xinda was not outstanding at the time, I believe they must have speculated and forged a lot of market illusions. In this case of the other party's strong situation, he saw that our bank had not approved loans for a long time, and in most cases he would turn to other banks, so that the performance of 200 million yuan would be gone. Even the Financial Street Branch was a huge order."

"Well..." Liu Ming held his chin and said, "From the perspective of the Audit Office, I really don't feel bad when I speak. When facing market competition, you can't slack off at all times."

"Yes, you just said that our bank pursues on-site ideology. We have no chance to see the future results, we can only see the current direction with our eyes. Generally, at this time, the bankers must cooperate with appropriate investigations and make decisions based on the materials and public opinion at hand," Lin Qiang finally said, "Since Zhang Xinda has been planning to cheat loans for a long time, he must have made sufficient preparations in all aspects. As long as we understand the bank procedures and ensure that people, dramas and fake news are arranged in several aspects of our regular investigation, even if I am, I will probably lend him."

"I suddenly... understand very much!" Liu Ming sighed, "I understand what you mean. The first loan should be considered a normal negligence."

Lin Qiang spread his arms and said frankly: "Yes, it's a very reasonable mistake."

Liu Ming nodded and then asked, "What about next?"

"There are problems in every transaction after that." Lin Qiang changed his tone and said, "On the surface, Xinda Real Estate has a lot of financial reports and news. The boss of this company has even surpassed the list of rich people. This seems to indicate that everything is thriving, but this is no longer a reason to be cheated."

Lin Qiang pointed to the second report and said: "The most critical thing is that Cinda Real Estate often delays repayment, which is an extremely dangerous sign! As a banker, he should use forced loan collection as the basis for negotiation to negotiate strongly. If the other party still does not repay, he needs to apply for investigation of the company's financial data, find authoritative agencies, and thoroughly review the company's entire information, especially the more than 500 mortgage contracts. After so long, it is time to find out the authenticity."

"Well, this is well said." Liu Ming agreed, "It took half a year to delay it. It's been three years. Why do you still do this? From our perspective, you should know that you have been cheated of loans, but in order to cover up, you have to borrow more and more."

Liu Ming was suddenly shocked when he thought of this: "Wait... what do you mean is that you only knew the money in 2008? But before that... the one who lends it to Cinda Real Estate was obviously..."

"I can't be sure that he was aware of the second loan." Lin Qiang waved his hand, "After all, Zhang Xinda was on the wealth list at that time, and with such a large amount of performance, money will inevitably be obsessed with profit and relax its vigilance. As a real estate company, the capital chain is very difficult to control, and it often costs hundreds of millions of yuan to go in and out, and there is a long gap from auctioning to land to selling."

"That's right... it's understandable. After all, it's only three years later, and even a real estate project is not too late to be completed."

"But the few loans after this are completely unforgivable." Lin Qiang made a gesture representing "eight", "It's been eight years, and Xinda Real Estate has hardly paid back the loan much. It's a big deal that ghost should know what's going on."

Liu Ming nodded affirmatively: "Well... we just reviewed it casually, and we could catch it at a glance. How could a banker who is with the company day and night not realize such a big loophole?"

"So the most reasonable speculation is that the money was found to be cheated, but it was too late. In order to make up for the mistake, I can only fill it in. If the loan is forced to be pursued, it will cause the company to go bankrupt, and the money will be completely unpaid. The bank's bad debts will increase and the reserves will be forced to be raised, and he will die. As for whether he and Rosa communicated with me in the meantime, this is not something I can tell."

"The above is all my personal professional opinions." Lin Qiang said everything he should have said, and no longer said anything. He stood up and smiled, "I hope it can help you."

"Of course." Liu Ming held Lin Qiang's right palm tightly with both hands, "This will be an important reference for our review and will also be an important future evidence presentation. If not, the prosecutor will invite you to be a witness."

"Forget this..." Lin Qiang scratched his head repeatedly, "I don't want to go to the court in my life."

The two looked at each other and laughed.
Chapter completed!