When the loan is reviewed, the purpose of the loan will be reviewed, and the borrower must also use the loan in accordance with the contract, once the misappropriation will be the first will be the loan will be recovered, and then it is more likely to be held responsible, such as credit rating downgrade, being included in the blacklist of rejected current accounts by the bank collectively, fines of one to five times, and even being prosecuted for loan fraud Ordinary loans, not to mention low-interest loans, which are more serious in nature.
Kitahara Shuji frowned and thought about the doorway inside: "Isn't the nest case a personal act."
Niwa Arika smoked her second cigarette much more slowly, the smoke filled her eyes, and she said softly: "It is indeed possible that it is a simple personal act, but I feel more like the other party is well-prepared, the accounts are impeccable, and he deceived the audit department of OUCC, deceived the previous commissioner of the Financial Agency, and even almost deceived me, no, it should have deceived me, this is obviously not the first time to commit a crime, and it will not be just to embezzle a loan." ” Kitahara Shuji nodded slightly, the loan was only 110 million yen, even if nearly half of it was embezzled, it would be about 50 million yen, and according to the methods of these people, the money will be repaid with principal and interest in the future, and the account will be flat and silent, but I don't know what I will do with this 50 million yen, and what can I invest in 50 million yen worth spending so much effort and taking such a risk 50 million yen is definitely not worth it, and there is a great possibility of multiple illegal loans Then it will be debunked on the spot and catch this one, and it is not good that it is only this time to catch this one, and under the grass and snake, if there are factories with similar behaviors, they will immediately start to redo the accounts, make up for the loopholes, fill in the funds, replenish the materials, and in the blink of an eye, they have all become normal borrowers, and there is no way to catch them, even if they want to find out whether they are dead or alive, the cost of time and energy invested will be at least ten times.
Kitahara Shuji's mind turned, and he felt that Niwa was right, anyway, Akashi had faith and couldn't run, so it didn't matter if he was free for two days, first secretly check if he had an accomplice, and whether he was the mastermind or an accomplice.
If an individual commits a crime two days late, it will not affect the overall situation, and if it is not an individual crime, then a large number of cases will be arrested.
He figured it out and asked with a smile: "Then Commissioner Niwa is planning to find out if there are any similar cases first, and I suspect that someone is taking the lead, and there are many factories that are using similar methods to embezzle loans."
"Yes, this doesn't look like a simple loan fraud, but a misappropriation of low-interest loans for profit.
If it weren't for the personal behavior of Akashi Yushin and others, there should be a complete gray chain of interests behind it.
Niwa cleared his mind as he spoke, his spirits lifted up, and the last few words revealed a fierce aura.
The time has come for meritorious service Kitahara Shuji mourned for three seconds for Akashi Yushin and the factory, feeling that they were unlucky to meet Niwa This gang racked their brains to make the application materials better, and it was not good to cooperate with the ghosts in the Eastern Union, which should have been smooth sailing, but as a result, Niwa did not recognize the written documents, and had to investigate and check the master from all aspects, not even checking the factory orders, and came to the field to see, and finally found out something.
It can only be said that the fake is the fake, and if you can deceive the sloppy ghost, you can't deceive the serious person, no wonder the serious person is easy to attract hatred Of course, they also failed because they had to lay the metal ingots too neatly and cut corners, which was unforgivable and deserved to be cleaned up Kitahara Shuji felt that this matter was not a trivial matter, and asked with a smile, "Will the Financial Services Agency send an investigation team?"
Niwa extinguished the cigarette and shook his head, "Let's get the ironclad evidence first, and then we won't say that it has not been proved to be a nest case, so we don't need to mobilize the people first."
Then she glanced at Kitahara Shuji and said truthfully: "And I also have performance requirements." ” If it is really a large-scale nest case, she has to do the credit first, check it completely, lock the mastermind behind the scenes, and then recruit a large army, so that in the future, no matter what, her status as the main hero will not be able to run, and she will receive a steady salary increase and promotion.
Kitahara Shuji has no opinion on this, while doing his job well, it is completely understandable that he has a little personal pursuit, this Niwa also has to live, and it also needs food, clothing, shelter and transportation.
He smiled and said, "Then I wish Commissioner Niwa an early promotion."
"Don't mention money, it's too vulgar.
Niwa didn't expect to be sent out as a commissioner for only a few days to have a big harvest, this is all thanks to Kitahara Shuji's blessing, I couldn't help but look at him more and more appreciation, and said sincerely: "Thank you this time, Kitahara-kun." ” No Kitahara Shuji, she went back like the previous commissioner, maybe she won't pay attention to the good factory at all when she sees the loan documents of this factory in the future, and she doesn't have to worry about a little problem, just the general direction is right.
"That's what I'm supposed to do, you're welcome, but what are you going to do about it next?"
"Let's start with the lender, he is the first person to handle it, if he is not blinded, I am afraid that the other money he put will be somewhat problematic."
Niwa only needs to find a breakthrough, she herself is still very experienced, after all, she has been doing it for seven or eight years, even if she has never experienced this kind of thing, she has heard it many times.
She advised: "Don't let Wu Cun know about this matter first, everything will be on the same schedule today." ” Will not be scared to the end, Kitahara Shuji understood, and at this time Yoko Takemura ran back with a lunch box and a drink, Niwa smiled at Kitahara Shuji, and began to ponder, looking like he was bored and passed the time.
The next day's itinerary was still carried out as planned, but Niwa did not perfunctory, or asked carefully one by one, and most of them were not big problems, after all, the audit department of Oriental Union Union was not for nothing, as for some small problems in terms of documents, some fabricated false orders, Niwa did not pester her main concern about where the loan was spent, this is her own job.
There is no need to mention that there is still money in the account, and if she has no money, she has to ask in detail where the flowers went, what she bought, and where she put them, and then she has to follow to take a look, and Kitahara Shuji also uses the system points by the way.
At the end of the day, I ran six houses, in addition to the first one has a problem, there is also a problem, the same money and the purchased things do not count, but the camouflage is very clever, how to look at the materials and accounts are tightly matched.
Niwa remained silent, acting as if he hadn't found anything, and finally rushed back to the Touchu store at about eight o'clock in the evening.
Yoko Takemura was happy, and if she didn't find out anything, her pressure would be much less, otherwise if she really found out something, although she couldn't blame her, she would inevitably be angry with her superiors.
Lucky Returned to the Eastern Union, Niwa had no intention of getting off work, and was about to make meritorious service What work she assigned to Yoko Takemura, a temporary assistant, a lot of tasks, asked for a lot of information, and forcibly drove her to find it regardless of whether there were people in other departments or no one, and after Yoko Takemura left, she called herself for a while and soon received several emails.
There are other staff in this office, but she doesn't fake her hands, she moved the printer and printed it out by herself, and then got together with Kitahara Shuji to see that she no longer thought that Kitahara Shuji was an intern high school student, and really treated him as an assistant.
"The person who handled it is not one person" Niwa couldn't help frowning a little after a brief look, the two factories with problems were not looking for the same person for loans, but two different employees.
It's a bit complicated, whether they were all deceived or were all involved in the misappropriation of funds Kitahara Shuji looked at it carefully and praised it: "The performance of these two people is very good, they can basically recover the loans on time, there are almost no dead debts, and the customer evaluation is also perfect, far better than their colleagues." ” "I'll check their customers again" Niwa is behind the state machine, there are a lot of resources that can be used, many ordinary people need to break their legs to find out, she directly through the financial department to ask other government departments for information, and it only took more than half an hour to get a full set of tax information about the loan objects of these two people in recent years.
However, the tax list Kitahara Shuji was a little incomprehensible, so Niwa began to teach him again, pointing and saying: "Mainly look here, other business taxes, consumption taxes and the like don't need to care, these decals, education surcharges don't need to be seen, the nature of the turnover tax as long as the production and operation will be paid, you can't see the quality of the business, and judge the quality of the business only by looking at the income tax, this will only be paid when the factory earns money." ” The old driver's guidance was quite reliable, and Kitahara Shuji understood it in seconds, and his high intelligence relative to ordinary people immediately took effect, and he quickly judged the problem: "These factories have been operating for a while since four years ago, and they seem to have been unprofitable for a period of time. ” Niwa nodded and said: "I'm afraid that there was a period of time when they were on the verge of bankruptcy and had difficulty in obtaining loans, but then they all got low-interest loans, that is, someone pulled them in, borrowed their names to apply for low-interest loans, and then used the excess part of the low-interest loans to loan sharks or engage in some illegal things, and then shared the benefits of these factories after obtaining the profits, so their tax situation gradually began to improve." ” Kitahara Shuji also nodded: "The factory got a low-interest loan, which can maintain its operation, feed its workers, and at the same time get an extra income, so it is very willing to cooperate and even the employees sent by OUCC have been bought."
This hasn't been completely straightened out, and Kitahara Shuji feels that it makes him scratch his head a little bit Everything is dressed in a legal coat, gray income is taxed normally, and in the blink of an eye, it has become legal property, and even money laundering is saved.
You say that you have this brain, you have this ability to execute, is it not good to do something serious, do you have to do this?
Niwa confirmed, "That is, both guys have problems, wait a minute, I'll check their past resumes." ” She touched the phone and called the personnel department, regardless of it, she asked for the personnel resume information of three or four departments in one breath, and she was the identity of the housekeeper's mother-in-law, not the identity of the big girl next to her mother-in-law, and reprimanded a few words, and the personnel department relented, and directly sent her the personnel resumes of hundreds of people, including the two "criminal suspects".
In fact, there is nothing to keep secret about this personnel file itself, and it does not involve personal privacy or internal secrets, it is basically something that you know as soon as you ask, the personnel department is quite happy, and understands that the "daughter-in-law" can't afford to provoke the "mother-in-law", and it also saves Niwa from rushing down directly to find them trouble, what problems do you have to refuse to cooperate with the investigation, I want to apply for your Oriental Union to be included in the key inspection objects of the Financial Department this year The personnel resume was successfully obtained, Kitahara Shuji and Niwa immediately divided the work and cooperated, and compared the resumes of the two "suspects", and found that both of them had been in the Takagi City branch in Aichi Prefecture, and it was a relationship between seniors and seniors, and then Shun Teng, and found a few guys with exceptionally good performance in four years among the existing staff and promoted staff of the branch, and suddenly Niwa was surprised and delighted and angry The possibility of the nest case is getting bigger and bigger, and someone is manipulating the use of a large number of low-interest loans behind the scenes to make profits, this person has strong organizational skills, and at the same time it is convincing, and it is really a big fish As long as you find out who it is, you will have enough credit for yourself, and then call a large army to finish it Kitahara Shuji also gradually put together the puzzle to the end of the sales department, the lenders can improve performance, facilitate promotion, and share the benefits of profits, and have additional income, so they are naturally very willing to participate, which makes up for the other party's organization.
Factories that can't get loans, bank lenders, expatriates who have been kicked out of the bureau and whose incomes have plummeted, and now only the organizers behind them are missing.
Four years ago, who was the president of the Takagi branch, even if he was not a big boss, was the most suspicious person at present Niwa checked the information and found the most suspicious person at present, and Misawa Hongyasu, the president of the Takagi branch four years ago, was transferred to the store a year and a half ago as the head of the fifth sales department due to his outstanding performance But when she turned her head, she found that Kitahara Shuji had picked up another person's name, and couldn't help asking, "Do you think it's this person?"
She attaches great importance to Kitahara Shuji's judgment, but Kitahara Shuji shook his head lightly and said with a smile: "No, it's me who has a personal grudge against this person" Ichiro Oishio was the head of the sales department at the Takagi branch four years ago, and is currently the deputy director of the fifth sales department at the headquarters of OUCC
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