Chapter 1480     Guess

"But, nowadays, it is impossible for many small businesses to get this interest rate."

Yan Peng said lightly, "It is said that small and micro enterprises are difficult to raise funds, but in fact, it is not difficult to raise funds at all. There is money in this society, but it is even more difficult to raise funds with the right interest rate."

"Ten, it's considered a conscience, thirteen or fifteen are possible."

Yan Peng held the coffee cup, as if experiencing the heat on the cup wall. "Banks need to consider risks when lending. Small and micro enterprises have too much risk and if interest rates are not raised, who is willing to lend?"

"yes."

Wang Hui nodded.

Banks are not doing charity.

When he was with Zhongxing, he didn't care about loans, so he didn't understand them personally.

"The interest rate is high, and no one wants to borrow money, but banks also want to lend money, otherwise they will not make money.

At this time, if someone tells you, Mr. Wang, we have ten million to lend you, the interest rate is 5, do you want it?"

"It's a must!"

Wang Hui had been taken away by Yan Peng, and immediately slapped the table and responded directly.

"But... there is a condition."

Yan Peng also took on the role, "You have to sign an agreement with us. If you get this ten million, you have to deposit it back to our bank immediately, and then use your ten million certificate of deposit as collateral. I will pay you 9.5 million, with an interest rate of five."

Wang Hui spread his hands: "But why?

I have to pay back the principal interest of 19.5 million."

"But Mr. Wang, don't forget, aren't your ten thousand still there?

There is also interest, if you offset it, the interest rate is basically five, and it has not changed.

Do you lend?”

"I... loan it."

Wang Hui shook his head helplessly, "But, I haven't encountered such a thing before."

"By using loans to transfer deposits, it can increase the bank's deposit amount. This is a violation. Large banks basically have no such thing, and it is also a local small commercial bank to play.

Compared with large state-owned banks, their deposits and loans are not high, so they can only produce performance charts if they play a little trick."

Yan Peng smiled faintly.

"But our Dingxin's 600 million yuan has been pledged to state-owned enterprises?"

Wang Hui asked again.

"This is the key! Zhao Hengyi was also fooled by Lian Gang.

If I guess correctly, Lian Gang is a funding intermediary.”

Yan Peng's expression became serious, "If this is the case, then things will be a little troublesome."

“What is a fund intermediary?”

Wang Hui doesn't understand anymore.

"Suppose, I'm Lian Gang."

Yan Peng pointed to himself, "Zhao Hengyi forged the official seal and signature, and then pledged our 600 million certificate of deposit to the bank, and loaned more than 500 million yuan. According to what Lian Gang said, loaned it to a state-owned enterprise... To be honest, that state-owned enterprise should be a fake, empty shell.

Lian Gang must have nothing to do with that fake state-owned enterprise.”

"The money is in his hands, so there are more ways to play.

This is more than 100 million yuan, and I borrow it from Bank A and then deposit it into Bank B. Because there is an interest rate difference between parties A and B. I can still get a difference when I get an interest rate pre-order.

I pledge Bank B's certificate of deposit and deposit it to Bank C. Then I can take the interest rate before I get another difference.

And so on.”

Yan Peng took a sip of coffee: "As long as this Liankang has enough information sources and finds enough interest rate differences banks, he can continue to play this kind of game.

With a pledge of 600 million yuan from Dingxin, he can play several, dozens, or even dozens of banks.

In addition, we have 1.2 billion pledged, which is basically certain that Lian Gang used the official seals and signatures forged by Zhao Hengyi, as well as the ID card of Zhao Hengyi as the specific handler, and the copy of the ID card... In other words, the last bank borrowed money and would most likely return to the fake state-owned enterprise that Lian Gang deliberately fabricated. This is a financial explosion against our Dingxin."

"These billions of funds, pledged by the bank, look completely compliant. If we follow the normal procedures, we will not get the money back!"

Yan Peng's expression was unprecedentedly solemn, "Although this is idle arbitrage, the certificate of deposit is real money. As long as it cannot be paid back, the bank can deduct it immediately.

We have no way to do it.

Even if Zhao Hengyi is shot, there is no way.

In the end it became a dead debt.”

Wang Hui's breathing was slightly rapid. He grabbed the coffee cup, held it with a trembling hand, and took a sip.

He lost his composure.

"Those banks are so easy to apply for pledge?"

Wang Hui clenched his fists, "It's a big joke!"

"The risk of staking of certificates of deposit is too small, this is a high-quality business.

Any bank is happy to do it.”

Yan Peng looked cold, "In addition, I just said that Lian Gang is a funding intermediary. If this is true, then I can basically be sure that there should be someone behind Lian Gang."

"Why?"

Wang Hui asked.

"Liang Gang is a major account manager of a local commercial bank. He looks up to him and is considered a middle-level banker.

With his contact level and connection level, it is impossible for him to successfully apply for such pledges in the other banks.

Everyone is a colleague and has intersections with each other. Even if they are seeking deposits for high interest rates, do you think other people in the industry will believe him just because they know him?"

Before Wang Hui could express his opinion, Yan Peng shook his finger: "Absolutely impossible! There must be someone who has not been exposed here who is guiding him, giving him various information and introducing his connections, so that he can successfully play this game! The pledge loan of 600 million yuan must be passed at the meeting, which is not a business that can be done at the front desk.

And Zhao Hengyi, a fool, has been kept in the dark and thought he was just getting a commission from here, but he didn't know that he had sold him so much that he had lost his underwear!"

Wang Hui was really taking a deep breath: "Mr. Yan, I really didn't expect that I could still play like this?"

Yan Peng said lightly: "In this world, people are doing everything. As long as people have selfish intentions, they will have various means of avoidance. No system can be perfect. Moreover, the people who formulate systems are also to facilitate their own gains."

"I just didn't want to get involved in the circle because I saw such bad things, and I joined the company."

Yan Peng looked at Wang Hui, "Mr. Wang, this is my rough guess about the matter. The bank's next approach should be said that we know the borrower. If we give the certificate of deposit and identity information privately, they can push the responsibility cleanly..."

"What should I do?"

Wang Hui was very nervous.

“Banks have a responsibility to be sure that as both parties who work together for the whole year, they have process errors.

The pledge of 600 million yuan was not notified, but it was just a last confirmation.

I suspect that there are people inside them who were bribed by Lian Ting. Otherwise, if Lian Ting had just left the job for a long time, he could take a copy of Dingxin's certificate of deposit to apply for pledge. Is this normal?

I think the bank must be looking for that person now, or doing work for that person, and let him throw all the blame on us!"
Chapter completed!