Ari Niwa is very smart. A car gives her the feeling of driving a propeller plane, but her driving skills are really good. She is a standard old driver, and she goes up and down, but she never gets into trouble.
——According to her impatience, she was able to live to the age of thirty without dying in a car accident. Her driving skills should take the greatest credit, but the passenger experience was not so ideal. Yoko Takemura retched when she got off the car. It felt like
I became pregnant when I took the car directly.
But even though she was like this, Niyu still had no sympathy for her and drove her to contact the factory like a donkey.
Kitahara Shuji stood at the door of the factory and looked around. He found that this was a medium-sized factory with a large area. He recalled the information and remembered that this factory seemed to mainly produce precision parts for machine tools, such as flanges.
Flange plate or something - that's the information Kitahara Shuji read in the elevator. The customer is as far away as Northern Europe, and many foreign contracts are suspected of being fabricated.
They arrived unexpectedly. Yoko Takemura made a phone call at the factory gate before being let in. Although the factory was surprised, they still received them warmly and sent the financial director to accompany them.
The financial director's name is Akashi Yunobu. He is in his fifties and slightly bald. He is ten times more enthusiastic. Not only does he not dare to offend Niwa, but he also does not dare to offend Takemura Yoko. He even bows seriously to Kitahara Shuji and repeatedly asks for care.
.
After being polite for a while, Akashi Yunobu asked with a smile on his face: "Commissioner Niwa, what's the reason for your sudden visit?"
Niwa Arika looked him up and down and asked casually: "Are you an expatriate employee of Donglian?"
Akashi Yushin's face stiffened a little, but his smile immediately returned, and he nodded repeatedly: "Yes, yes, he was sent here by our store in the middle of the year before last."
The Bank of Japan can dispatch employees to factories and companies that have borrowed money. A small part of the reason is that the companies that borrowed money are not operating well. They send people to assist in the operations and also keep an eye on them. If there are signs of bankruptcy, they can seize assets first to pay off debts.
, but the main reason is to reduce the burden on the bank itself and kick out the useless employees who have exhausted their potential and energy, so as not to receive high salaries despite not being able to do much work in the bank and occupying the manhole, which will affect the replenishment of fresh employees.
blood.
Enterprises have borrowed money and have no choice but to accept these old bank employees. At the same time, these employees are not completely free. They can help small and medium-sized enterprises straighten out their financial relationships. At the same time, they have some connections to facilitate future loans. It is a win-win situation.
.
The only unhappy people are the bank employees who have been kicked out. Their salaries and benefits have been greatly reduced, and some have even received salary reductions of more than 80%. With all benefits, it is basically equivalent to being sent to the frontier - it is difficult for such people to return.
Even if banks are not fired, they will be kicked around among small and medium-sized enterprises in the future until they receive severance pay and go home to retire.
As long as you are kicked out, you have basically been proven to be a loser in the workplace.
"It will be more convenient if you are from Donglian." Niwa Arika glanced at Akashi Yunobu, directly spread a piece of paper on the table, pointed and asked: "Regarding the loans processed last quarter, I want to ask these questions
Let me find out...do I need to show my ID?"
"No need!" Akashi Yunobu is also an old banker. He knew who Niyu was by smelling it. He opened the computer directly, took out many account vouchers, and began to explain to Niyu.
His explanation was almost flawless, and he had all the delivery and payment receipts. Moreover, he moved forward in time and said seriously: "Our company (he has a dual identity) has been a long-term supporter of Eastern Union. Before this, there were
I have taken three loans and all have been repaid. I am an A-level credit customer of Eastern United. This is the qualification certificate. Please..."
Niwa glanced at it. This was something she had known for a long time. She didn't care. She interrupted Akashi Yunobu and asked: "How do you explain these contracts? From what I have investigated, these foreign companies can
I can’t digest the purchased parts.”
She asked while observing Akashi Yuxin's facial expression, but Akashi Yuxin did not panic and responded calmly: "We are the manufacturer. As long as the buyer places the order and pays the advance payment, we will start production. As for the buyer,
We have no right to ask how these parts will be digested, but we have speculated on this issue. It should be resold for a second time, or joint procurement by several factories in the name of one factory. After all, customs declaration is relatively simple this way."
"And these are all old customers we have cooperated with before. They have purchased a large number of parts before, and the amount is similar to this time. The payment is returned quickly, and the reputation is very good." Akashi Yunobu showed Niwa the receipt again, "This is the previous one.
The delivery document and the payment receipt are recorded in the account. This is the tax form and tax refund record. This is..."
Niwa didn't interrupt the other party rudely when it came to business. She listened patiently and watched. After listening, she felt that it was not impossible - her authority was only to supervise banks, and she didn't have the strength to go abroad to see those things.
What are the parts used for... In fact, she doesn't care what they are used for. Even building atomic bombs is none of her business.
Indeed, as long as it is proven that the payment can be recovered, who cares about the buyer?
Judging from the book, she couldn't find anything wrong. After all, she was a high-quality customer who had had historical transactions before. She then asked: "Can your production capacity be enough to complete the contract? I think your production schedule is not enough to support completion."
All contracts."
"That's a matter for the production department. You can work overtime, temporarily recruit technicians and outsource part of it." Akashi Yuxin answered impeccably and said with a smile: "Everyone is very motivated when making money. After all, the economy is in a recession now, so what can be done
Everyone is happy with the export business."
Riaka Niwa nodded slightly in approval, but continued to ask: "The loans were dispersed and transferred as soon as they were credited. What did you do?"
"Raw materials and equipment were purchased, and those raw materials are also part of the collateral for this loan. Eastern Union has sent people to take a look."
Niyu's suspicion had mostly disappeared now, and he stood up directly and said: "Can you take me to visit the workshop and see the storage situation?"
"Of course, Commissioner Niwa is here to invite you."
Akashi Yushin led the three of them to the workshop again, and Niwa Riaxiang did not go in to disturb the normal production. She just observed carefully at the door for a moment and found that the production was indeed going on in full swing - she came suddenly, feeling
I can't pretend to look so similar in temporary clothes, so my suspicions have gone away a lot.
Akashi Yushin half bent over, letting her take a closer look, and said with a smile: "In addition to Commissioner Niwa, there was also a commissioner who came to visit last year. He had similar questions to you, but we borrowed money according to regulations and repaid the principal and interest on schedule.
There are no problems.”
Riaka Niwa thought for a while, turned around and asked, "I want to take another look at the warehouse."
"Please come this way." Akashi Yuxin was fearless and led the three of them to the warehouse again, smiling and saying: "That's it, Commissioner Niwa."
The warehouse was huge and full of things. Arika Niwa stepped forward and took a look. They were metal products like steel ingots. Then she asked him for the storage list. After asking about the purchase price, he wandered around the warehouse.
I counted the quantities, but after walking around, I felt that they were about the same, with not much difference. Akashi Yuxin also introduced: "Part of it has been used. Here, there were originally a bunch of them here, but now they are finished products. Loan
The money was also used to purchase two precision CNC machine tools and some auxiliary equipment.”
Kitahara Hideji felt that there might be no problem with this factory. It was in good operating condition, and the loan was considered normal. Donglian provided this factory with a low-interest state support loan, and it was cost-effective to continue to borrow money to expand production.
Isn’t there a saying that the more money you have, the more loans you have, and the bank’s money will not go to waste.
He felt that this trip was in vain, so he stood at the door and passed the time looking at the neatly arranged metal ingots.
He liked this kind of neat and geometric scene, but when he looked at it, the names of the items were displayed in front of him, [Ordinary Zinc Alloy Ingot], [Ordinary Steel Ingot], which immediately made him lose interest, let alone look at the materials in detail.
The ingredients, such as the carbon content and zinc content, etc., he didn't want to make parts, so such details were none of his business.
He turned his head and looked elsewhere. The bad thing about the bad luck system was that it would give you a name and list a bunch of details after just a quick glance. It was really annoying sometimes.
But that's okay. If it hadn't been for this function, I would have been beaten up by Haruna and thrown into a back alley. Maybe I would have already formed a big feud with the Fukuzawa family. How could I have picked up two girls?
friend.
But after he turned his head, he suddenly felt a little uncomfortable in his heart, but he couldn't explain why he felt uncomfortable. He couldn't help but turned his head back again, staring at a pile of metal ingots and observing carefully, thinking about what was wrong, and quickly realized -
The total is 280 yuan. The number 280 is wrong. This number makes me feel uncomfortable.
The numbers are not neat, which destroys the geometric beauty!
The metal ingots are piles in piles, but they are arranged piece by piece into neat cubes, with the same length, width and height. And the cube of a natural number is 280? No!
He suddenly became interested, and he got closer and counted them without any trace. He was suddenly surprised. The pile of metal ingots to be processed should look like 512 pieces from the outside, but the system showed that there were only 280 pieces, so there were still 232 pieces.
Where did you go?
Is this pile of metal ingots a normal product? Only the surface layer is made of metal ingots. Is it hollow or filled with other things? Is it just like this in the factory, or...or are they not buying so many raw materials at all, just for precaution?
Is this how the inspection is done?
He didn't make any move. He changed the pile and took a closer look, and found that it was still 280 yuan. When he turned around and looked again, he found that several custodians in the warehouse looked a little unnatural, and they didn't dare to come over from a distance.
—There’s something wrong with this!
He quickly circled around the warehouse and took another look at the inventory list. He basically confirmed that the raw materials were nearly 50% less than they seemed. He just used people's psychological inertia to make people think that there was enough quantity here.
Over there, Niwa Arika finished a rough inspection, was silent for a while, bowed deeply to Akashi Yuxin and said: "Akashi-san, I'm really sorry for causing you trouble."
This was what she had to do. This factory suddenly looked suspicious, but when she came to check on the spot, she found that the materials were complete, the procedures were complete, the accounts were clear, and she had what she asked for. That was her judgment—if the loan was
Problem, of course, there is nothing to say. She will clean up Donglian later and let Donglian clean up the factory. But now there is no problem with the loan and they are operating and producing normally, so she has wasted their time and she should naturally apologize.
.
When she lowered her head, Akashi Yuxin showed an expression of enjoyment on his face, which was half a smile but not a smile. However, it flashed away and he immediately bowed in fear: "Commissioner Niwa, please don't do this. You are also performing your duties. I completely understand."
!”
Niwa Arika straightened up, lowered her head and said, "Thank you for your understanding, Akashi-san. I'm ready to leave. Please work hard."
For her, it doesn't matter if there are some minor flaws in the procedures or documents. After all, people will make mistakes as long as they do things. Only if they don't do things will they not commit crimes. She can understand it, and she just wants to complete her duties, not to take advantage of the opportunity.
Well, given the current situation, the factory seemed to be doing pretty well with the low-interest loans from the state, so she didn't want to dig deeper and was ready to leave directly.
Akashi Yuxin said quickly: "Are you leaving now? Please stay for a light meal at noon!"
"No, we have other places to go." Niwa Arika waved and motioned for the two followers to leave together, and Kitahara Shuji followed her, and then glanced at Akashi Yunobu saying goodbye to Takemura Yoko, and then
He said softly: "Commissioner Niwa, the number of raw materials is wrong, and it is empty."
Niwa Arika's steps slowed down, but she didn't stop and asked softly: "Are you sure?"
"If all the raw materials are in this warehouse, then there is a shortage of more than 40%." Hideji Kitahara was not nervous and just replied calmly. At most, this kind of behavior is misappropriation of low-interest loans. Maybe it is just a violation of regulations. Even if it is exposed in person, this company
The factory would never be crazy enough to do anything to them—unless they were really crazy, they would think of killing or illegally detaining them.
If you really have him, you won't be afraid, he can fight out with Niyu between his legs.
Niwa Arika frowned, hesitated for a moment and then made a decision: "Let's go first and talk later."
Kitahara Shuji didn't quite understand what she meant, but in terms of his understanding of the banking industry, Niwa was of course the best. He didn't force himself to stand out and followed Niwa away.
After leaving, Yoko Takemura drove the car. She was very happy and drove slowly towards her second goal. First, she was happy that Niwa found nothing and her bank did not have to be slapped; second, she was happy that she did not have to take a "plane", so
It was so scary that my breasts were almost pinched by the seat belt.
But before the car had driven far, Niwa said he was hungry and took out the money and said he wanted to treat everyone to a lunch. Yoko Takemura immediately rushed to ask for a treat, but after Niwa's face darkened, he quickly changed his mind and let her buy it.
Of course I agreed.
Yoko Takemura parked the car and Le Diandian went to the convenience store, while Niwa took out a pack of cigarettes a little distractedly and took out one before he realized what he was doing. He took out another one and handed it to Hideji Kitahara: "Do you want to smoke?
"
Kitahara Shuci was speechless, but Niwa stayed for a while and then suddenly realized. He hesitated and put the cigarette back. Kitahara Shuci opened the car window and said with a smile: "I don't mind, Commissioner Niwa can smoke if he wants!"
"Oh, thank you." Niyu really wanted to smoke one, so he lit it up in his mouth and took a deep puff. Suddenly, half of the long and thin lady's cigarette was lost.
Kitahara Shuji was speechless looking at the slender cigarette ashes. Are you so anxious to smoke a cigarette?
Niwa sucked the cigarette into a butt in two puffs, and then puffed out the smoke and asked Kitahara Shuji: "Aren't you curious why I want to leave?"
"curious."
Niyu put out the cigarette butt, lit another one, and said hesitantly: "If you're not mistaken, we seem to have run into a trap. It's such a big fish."