mtl008 Chapter 391 The world is full of peaches and plums
Chapter 391 The world is full of peaches and plums
Liu Guoliang's face turned pale. How come these bastards couldn't understand what he was saying?
If he really dared to report what he said today, then from now on, no one would be willing to help him, let alone climb up. Someone might want to save Lu Yuanzhong's face and just let him work in a cold situation until retirement.
This group of young people are really fearless!
This is why Lu Yuanzhong is so devoted to teaching that he is unwilling to leave the campus.
As long as he is willing to come out, there will be many people who will hire him with an annual salary of tens of millions.
If you are willing to work in certain departments, as long as you spread the word, someone will definitely come to visit you in person!
Without him...
After thirty years of teaching, he has many students all over the world.
These people are united together, becoming more and more united. They are all senior and junior brothers and sisters, spread across accounting firms, auditing agencies, and asset appraisal agencies at home and abroad. It doesn't matter which one they offend.
But if you dare to offend Lu Yuanzhong, you will probably die without knowing how you died.
But Lu Yuanzhong also knew that due to his special status, he would not easily trouble his students. Even for his own affairs, he rarely spoke up. He never fought or competed and always focused on teaching.
I don’t know how Su Yang was able to invite this person to come out of retirement!
Lu Yuanzhong sneered: "That's right, I've been teaching for decades, it's normal that you don't know me. I also said that you can report it if you want, but when it comes to how to explain it to the leaders, I want to have a talk with you!"
"Are the allegations you made against Jitu Express true or not?"
"Tell me, which one should we start with?"
The young man behind Liu Guoliang frowned. He knew that Lu Yuanzhong was of high status, but as he was young and full of energy, how could he swallow this humiliation?
"There are problems with the valuation of the mortgaged assets in several loans of Jitu Express. We suspect that Jitu Express is very likely to have colluded with the credit department of Jiangcheng Bank. There is an exchange of interests between the two parties. The credit department of Jiangcheng Bank has issued loans in violation of regulations!"
"I don't care if you are a professor or a teacher. If something like this happens, shouldn't we take care of it?"
Liu Guoliang frowned: "Shut up, stop talking!"
Lu Yuanzhong raised his hand, telling Liu Guoliang not to speak. He sneered, "In that case, I'll have a chat with you, old man."
"Su Yang has two companies under his name. The first one is Jitu Express Co., Ltd., which mainly provides express delivery services. This company has obtained two mortgage loans from Jiangcheng Bank."
"The first mortgage was when Jitu Express bought two plots of land in Tiebei, Jiangcheng City, in exchange for a mortgage loan. Now the land certificate is in Jiangcheng Bank as collateral."
“Is there any problem with this loan?”
The young man looked at Zhong Ruoting.
Zhong Ruoting nodded: "Yes, I can prove that the land certificate is in Jiangcheng Bank. This loan is absolutely in compliance with regulations and the process is complete. The funds did not go through Jitu Express, but were directly deposited into the city's financial account."
Lu Yuanzhong sneered: "As for the second loan, Jitu Express mortgaged one of the two plots of land and used the property to be developed in the future as an asset in exchange for a development loan of 30 million."
"As for the misappropriation you mentioned, it is completely false. The accountant of Jitu Express has already responded to this."
"The loan issue you are targeting Jitu Express now has nothing to do with these two loans, but is related to another company under Su Yang's name called Susutong Logistics. You think there are problems with several loans of this company."
After listening to Lu Yuanzhong's story, the young man felt that something was not right, but he couldn't put his finger on it.
He could only nod. There was no problem with the two loans of Jitu Express. The first one had collateral, and the second one was also fine. Although they suspected misappropriation, no problems were found in the accounts.
Lu Wanjiang has answered all these questions.
“That’s right, there is something wrong with the loan from Speedstream Logistics!”
"We have checked and found that Susutong Logistics has almost no assets since its establishment. All its funds were obtained from loans!"
"I would like to know, what does this Speed Express Logistics have that can be mortgaged for so much money?"
"If he really has so much money, why would he mortgage it?"
"For no reason, are you paying interest to Jiangcheng Bank?"
Lu Yuanzhong was speechless. He looked at the young man who spoke righteously and sternly, and almost couldn't help cursing.
"I really don't know who taught you to be more pedantic than an old man in his sixties like me!"
"I checked the loan records of Susutong Logistics. The first loan was mortgaged by several trucks. Not long after the loan was issued, they applied for another loan from Jiangcheng Bank, and the collateral was also trucks."
"In the meantime, Jiangcheng Bank has been conducting asset assessments and approving loan amounts!"
"The real problem is the last loan of 10 million!"
"Before this, there were no problems with all the loans, and I absolutely believe in the rigor of the evaluation department of Jiangcheng Bank."
"Unless you think that from the very beginning, the evaluation department, credit department, and approval department of Jiangcheng Bank, from top to bottom, knew that there was something wrong with Susutong Logistics, and they colluded in order to approve this 10 million loan for him."
The young man was speechless, his brows furrowed. He knew that this was not impossible, but he did not dare to put the blame on Jiangcheng Bank.
Jiangcheng Bank is too big. As a listed company, how many employees and branches does it have? Let’s not talk about it for now. Zhong Ruoting is the president in name, but in fact, there is a complicated shareholding structure behind Jiangcheng Bank. If these people really want to mess up Jiangcheng Bank, will they let it go?
In Jiangcheng City, Jiangcheng Bank dares to use these four words, and its purpose is self-evident.
Over the years, whenever Jiangcheng City needed money for urban construction, infrastructure, water conservancy, and public facilities, it was all paid for by Jiangcheng Bank.
He doesn't have the guts to touch Jiangcheng Bank!
"Okay, even if the first few loans are fine, what about the last loan?"
"The last loan, no problem?"
"Suisutong Logistics, the entire company's assets are negative, it owes Jiangcheng Bank more than 5 million, and its own site is also mortgaged to other banks, owing 4.5 million. As a result, even if it mortgages the entire company, it can still get a loan of 10 million?"
"Is there no problem here?"
"Their collateral is the company's operating rights and profits for the next ten years, but how can this be evaluated to get a loan of 10 million?"
"Shouldn't we check it?"
Lu Yuanzhong looked at him with a smile: "You think the risk is too great. If it were you, you wouldn't do this business, right?"
The young man nodded: "That's right. If there is a problem with illegal loan issuance, it will be a big problem. It is very likely to cause bad debt risk and cause huge losses to the bank!"
Lu Yuanzhong's face turned pale, without any trace of smile on his face.
"I say you are stupid, you really are stupid. Let me ask you, has the risk occurred? Has the money been repaid?"
The young man was slightly startled, but still defended himself: "Even if they can pay it back, aren't they still taking out loans? They paid back 10 million this time, 30 million next time, and 50 million next time. What if they can't pay it back?"
“If something goes wrong, who will take responsibility?”
Lu Yuanzhong laughed loudly: "I understand. If that's the case, I'll call the police and have you arrested!"
"You have a kitchen knife and a hammer at home. I suspect you are going to kill someone, so I have to control you in advance. If you really kill someone, who will bear the consequences?"
"I think three years is too little, why not just lock him up for ten years!"