I'm in the county town, and you say I'm a big shot?

Chapter 187 Tricky
After returning to work at noon, Fang Qingye did not see Chen Meimei, but suddenly received a QQ message from her.

"Ye Zi, you can't see it anymore. Section Chief Zhang just took the materials from me, saying that I'm no longer in charge of the credit review for this company."

"You were reviewing it perfectly fine, why are you suddenly not allowed to review it anymore?" Fang Qingye felt something was off while typing, and immediately typed: "Did Section Chief Zhang say anything?"

"No. But this is good. I don't want to investigate yet. Right now, it's better to avoid trouble."

Ah?
How could Chen Meimei, who has always been proactive and capable, now have such thoughts?

However, Fang Qingye didn't mention that; instead, she was curious about the credit materials for the company that Chen Meimei had reviewed.

"What do you think is going on? Can you tell me?" Fang Qingye typed.

"It's hard to explain on QQ, Yezi, how about we find a place where I can explain it to you in detail?"

"Where to go?"

"It's not convenient at the office, let's go outside. I'll wait for you by the New Century Plaza."

"it is good."

Fang Qingye closed QQ and suddenly found it somewhat amusing.

When Xia He was around, we discussed these things openly in the office, but now it's all done secretly, like we're doing something wrong.

Fang Qingye didn't rush out. A few minutes later, she went downstairs and out of the company gate. When she arrived at the New Century Plaza, she saw Chen Meimei in her uniform.

"Ye Zi, here's what happened." Chen Meimei came up to her and briefly explained the situation.

A company called Jinghai Dingli Nonferrous Metals Co., Ltd. wanted to apply for a loan of 2000 million yuan from the Nanxin branch for technological upgrading. The financial statements, fixed asset statistics, and other materials submitted by the company, as well as sales contracts signed with other companies, all met the requirements.

However, the observant Chen Meimei noticed something suspicious in the company's past loan records on the computer.

This company operates in Pingdong, Jinghai. In August of the year before last, the company borrowed 8 million yuan from the Pingdong branch of Dongfangxing Bank, which was repaid in August of this year. Now it wants to borrow another 20 million yuan from the Nanxin branch!
"Why did you take out such a large loan all at once?" Fang Qingye was somewhat surprised.

"I also found it strange. Later, I checked the company's credit information, and it turned out that in August of this year, its credit limit had changed, increasing from 8 million to 20 million!"

A credit line is a limit of credit granted by a bank to a customer after comprehensively assessing the customer's creditworthiness, financial situation, business operations, and other factors.

This credit limit is like a "credit pass" given to customers by the bank. Within a certain period, customers can flexibly apply for loans, handle letters of credit, guarantees, and other businesses within this limit.

In other words, if a company's total loan amount does not exceed your credit limit, it is very convenient to get a loan from a bank.

Since both Pingdong Branch and Nanxin Branch are subordinate units of Jinghai Branch, the credit lines granted to enterprises are usually shared.

"What's even stranger is that, according to online information, it only took seven days for this company to go through the bank's verification and approval process to apply for an increase in its credit limit!"

After listening to Chen Meimei's explanation, Fang Qingye was a little surprised: "Isn't that incredibly efficient? Did you check the company's credit history?"

"I checked, and Dingli Nonferrous Metals Company has a decent credit record. It has never been listed as a national dishonest enterprise. However, there are still two lawsuits that have not been settled."

Fang Qingye nodded and said, "It's normal for companies to sue each other; it doesn't prove anything."

“Yes, but it just feels a bit strange,” Chen Meimei said.

"Have you checked the companies that signed purchase contracts with Dingli?" Fang Qingye asked again.

According to Chen Meimei's statement, Dingli Company and a company called Huijing Xinda Industrial Co., Ltd., valued at 40 million yuan, actually obtained a loan from a bank by Dingli Company using a contract to sell non-ferrous metal mines to this company as collateral.

Chen Meimei shook her head: "I checked, but I couldn't find it online." However, she added: "It's normal that this kind of contract can't be found online."

Fang Qingye nodded and said, "Okay, I understand. Let's talk about this. Don't tell anyone else."

"I understand, I'll head back to work now." Chen Meimei said, taking only two steps back when she suddenly heard someone call her name. "Meimei, what are you doing here?"

She turned her head and saw that it was Section Chief Zhang Qunying and another colleague walking towards her along the street next to the square.

"No, nothing. I just chatted with Assistant Fang about some personal matters," Chen Meimei quickly replied.

Zhang Qunying looked at Fang Qingye again, greeted her with a smile, and then said to Chen Meimei, "Come on, come with me to a company for an on-site investigation later."

"Ok."

Zhang Qunying and her two companions walked away, while Fang Qingye stood there watching their retreating figures, lost in thought.

Based on his experience before his rebirth, there were some problems with this credit application; no company could complete the process of increasing its credit limit within a week.

Unless you have connections.

The reason for such a rush, even at the cost of future criticism, is simply that they urgently need this 2000 million loan.

Of course, it's possible that the company genuinely needs a large amount of capital.

Fang Qingye pondered for a moment, and suddenly thought of something that the two of them had overlooked.

Pingdong Branch!

This company, Jinghai Dingli Nonferrous Metals Co., Ltd., had previously obtained a loan from the Pingdong branch and also applied to the Pingdong branch for an increase in its credit limit!

In August, Yao Gang was still working at the Pingdong branch!
interesting.

A smile appeared on Fang Qingye's lips.

He was just asking out of curiosity, but now he wants to learn more about it.

Also, why did Zhang Qunying suddenly stop Chen Meimei from being in charge of the loan review work? Was this Zhang Qunying's idea or someone else's?
However, to get a detailed understanding, Chen Meimei's statements alone are not enough; the loan documents must be found and carefully studied.

But you can't see it at all.

Now that I am no longer a member of the credit review team or a member of the credit department, according to the relevant regulations of the bank, I should not be able to see the materials submitted by the company.

Who to look for?

Fang Qingye is currently unsure who is in charge of reviewing the loan application materials, so she asked Chen Meimei to inquire.

The simplest way is to go directly to Zhang Qunying. As the head of the credit department, she can review any materials submitted by any company.

But will she?
Fang Qingye suddenly had a feeling that not letting Chen Meimei access this material was, in a way, also a way of protecting herself.

Furthermore, although Zhang Qunying was also Xia He's confidant, he had no personal relationship with this woman; they only conducted official business together.

When I was a member of the credit review team, Zhang Qunying would send some loan materials to me for review every two or three days.

But now, let alone giving gifts, they won't even discuss issues with a company's loan application materials in front of you.

Of course, I had done her a favor in the past.

But does the other party still remember these things now?

Fang Qingye wasn't sure.

(End of this chapter)