Chapter 324 I have a personal grudge with this person
During the loan review, the purpose of the loan will be reviewed, and the borrower must use the loan according to the contract. Once misappropriated, the loan will be repossessed, and later, it is more likely to be held accountable, such as a lowered credit rating and collective listing by the bank.
They are blacklisted as non-correspondents, fined one to five times, or even prosecuted for loan fraud - this applies to ordinary loans, not to mention low-interest loans, which are more serious in nature.
Kitahara Hideji frowned and thought about the doorway inside: "A nest case? Isn't it a personal act?
Niwa Arika smoked his second cigarette much more slowly, with smoke filling his eyes, and said softly: "It may indeed be a purely personal behavior, but I feel it is more like a false case... The other party is well prepared and the accounts are impeccable.
He deceived the review department of Eastern Union, deceived the previous commissioner of the Financial Services Department, and even almost deceived me. No, he should have deceived me. This is obviously not the first time he has committed a crime, and it is not just for the purpose of embezzling a sum of money.
A loan.”
Kitahara Hideji nodded slightly. The loan was only 110 million yen. Even if nearly half of it was misappropriated, it would only be about 50 million yen. And judging from the methods of these people, the principal and interest of this money will be repaid in the future.
, the accounts were settled silently, but I just don’t know what I will do with the 50 million yen, and what investment of 50 million yen is worth spending such a big effort and taking such a risk?
Fifty million yen is definitely not worth it, and the possibility of multiple illegal loans is really high!
If you expose it on the spot, you will catch this one. Maybe it will just be this one time. If there are other factories that do the same thing, they will immediately start to redo the accounts, make up for the loopholes, and replenish funds.
Replenishing supplies suddenly turned into normal borrowers, and there was no way to catch them. Even if they were to find them alive, the cost of time and energy invested would be at least ten times higher.
Kitahara Shuji's mind turned around and he felt that Niwa's judgment was right. Akashi Yushin couldn't escape anyway, so it didn't matter if he let him live freely for two days. First, he secretly checked whether he had any accomplices and whether he was the mastermind or an accomplice.
If the crime is committed by an individual and caught two days late, it will not affect the overall situation. If the crime is not committed by an individual, then a large number of them will be arrested.
He figured it out and asked with a smile: "Commissioner Niwa is going to find out if there are any similar cases first. He suspects that someone is taking the lead and many factories are using similar methods to misappropriate loans?"
"That's right, this doesn't look like a simple loan fraud, but the misappropriation of low-interest loans to make profits. If it is not the personal behavior of Akashi Yunobu and others, then there should be a complete gray interest chain behind it." Niwa said
I also clarified my thoughts and became energetic. The last few words conveyed a sharp energy.
The time has come to make a contribution!
Kitahara Shuji observed three seconds of silence for Akashi Yunobu and the factory. He felt that it was unlucky for them to meet Niwa - these people racked their brains to make the application materials more perfect. Maybe there is a mole in Donglian.
Cooperation, it was supposed to be smooth sailing, but it turned out that Niwa didn't recognize written documents, and insisted on investigating and checking from all aspects. He even checked the factory orders, and even came to see it on the spot. In the end, he really checked
Something happened.
I can only say that what is fake is fake. You can fool a careless person, but you cannot fool someone who is serious. No wonder people who do things seriously are easily hated by others!
Of course, they also failed because they insisted on arranging the metal ingots too neatly and cut corners. This damage to the geometric beauty is inexcusable and they deserve to be punished!
Kitahara Hideji felt that this matter was not a big deal and asked with a smile: "Will the Financial Services Agency send an investigation team?"
Niwa put out the cigarette and shook her head, "Let's get the irrefutable evidence first. Besides, it hasn't been proved that it's a false case, so there's no need to stir up trouble yet." Then she glanced at Kitahara Hideji and said truthfully: "And I also have achievements.
Require."
If it was really a large-scale case, she would have to take full credit first, investigate thoroughly, identify the mastermind behind the scenes, and then recruit a large force, so that her position as the main contributor would not be lost no matter what in the future.
Salary increase, promotion and bonus.
Kitahara Hideji has no objection to this. While doing his job well, it is completely understandable that he has some personal pursuits. Niwa also needs to live and needs food, clothing, housing and transportation.
He smiled and said: "Then I wish Commissioner Niwa an early promotion." I won't mention money, it's too vulgar.
Niwa didn't expect that he would gain so much just a few days after being sent out as a commissioner. This was all thanks to Hideji Kitahara. He couldn't help but look at him with more admiration and said sincerely: "Thank you this time, Kitahara-kun."
Without Hideji Kitahara, she would have been deceived just like the last commissioner. Maybe she would not pay attention to this factory's loan documents again when she saw it in the future - it's a good factory, don't worry about some minor problems, the general direction is right.
Just fine.
"This is what I should do, you're welcome, but how are you going to handle this matter next?"
"Let's start with the loan officer. He is the first person to deal with it. If he is not deceived, there may be some problems with other loans he lends." Niyu only needs to find a breakthrough. She is still very experienced. After all,
I have been working for seven or eight years, and even if I have never experienced this kind of thing, I have heard it many times.
She warned: "Don't let Wu Cun know about this in advance. Everything is scheduled as usual today."
Kitahara Hideji knew that he was going to keep going to the end without alerting the snake. At this time, Takemura Yoko ran back happily holding a lunch box and a drink. Niwa smiled at Kitahara Hideji, held his chin and began to think deeply, as if he was passing the time in boredom.
Son.
The rest of the day's itinerary went on as planned, but Niwa didn't do anything perfunctory. He still asked each family carefully, and most of them had no major problems. After all, Donglian's review department didn't get a free meal. As for some documents,
Niwa didn't bother with the minor issue, which was a somewhat fabricated order. She was mainly concerned about where the loan was spent, and that was her job.
If there is still money in the account, there is no need to mention it. If there is no money, she will ask in detail where the money went, what she bought, and where she put it. Then she will follow to have a look, and Kitahara Shuji also uses the system to count points.
I visited six houses in one day. In addition to the problem with the first house, there was also a problem with another house. The money and items purchased also did not match the number, but the disguise was very clever. No matter how you look at it, the materials and accounts were in perfect harmony.
Niwa remained calm, pretending that he had found nothing, and finally rushed back to the Donglian main store at around eight o'clock in the evening. Takemura Yoko was very happy, as nothing was found, which made her feel much less stressed, otherwise she would really find out.
Whatever she ordered, although she was not to blame, she would inevitably be blamed by her superiors.
Fortunately!
Back at Donglian, Niwa had no intention of getting off work. What shift would he take if he was about to make a contribution? She assigned a lot of tasks to Takemura Yoko, the temporary assistant, and asked for a lot of information, regardless of whether there were people in other departments.
They forced her to look for him, and after Yoko Takemura left, she made a phone call for a while, and soon received several emails.
There were other staff members in the office, but she moved the printer and printed it out without any help. Then she and Kitahara Hideji watched together - she no longer thought that Kitahara Hideji was an intern high school student, but she really used him in the office.
Treat it as an assistant.
"Isn't the person handling it the same person?" Niwa couldn't help but frown after a brief look. The two factories in question didn't use the same person to handle the loans, but two different employees.
This is a bit complicated. Were they all deceived, or were they all involved in misappropriation of funds?
Hideji Kitahara looked at each line carefully and praised: "These two people have very good performance. They can basically recover their loans on time. There are almost no dead debts. The customer reviews are also perfect, far better than their colleagues."
"Let me check their customers again!" Behind Niwa is a state machine, which has a lot of resources at its disposal. There are many things that ordinary people need to run around to find out. She can directly ask other government departments for information through the Financial Services Agency.
, it only took more than half an hour late at night to obtain the complete set of tax information of the loan recipients of these two people in recent years.
However, Kitahara Hideji couldn't understand the tax list, so Niwa started to teach him again, pointing and saying: "The main thing is to look at this. Other business taxes, consumption taxes and the like don't need to be paid attention to. There is no need to look at these decals and education surtax.
Turnover tax is paid as long as the factory is engaged in production and operation, and it cannot tell whether the operation is good or bad. To judge whether the operation is good or bad, it only depends on income tax, which will only be paid when the factory makes money."
This veteran driver was very reliable in giving directions. Kitahara Shuji understood it instantly, and his high intelligence compared to ordinary people immediately took effect, and he quickly determined the problem: "The operating conditions of these factories began to improve four years ago.
Yes, it seems that it has been in a state of no profit for a period of time before."
Niwa nodded and said: "I'm afraid they were on the verge of bankruptcy for a period of time and had difficulty getting loans, but then they all got low-interest loans, that is... that is, someone roped them in, borrowed their names to apply for low-interest loans in excess, and then used
The excess portion of the low-interest loans was used as loan sharks or engaged in some illegal activities. After the profits were obtained, these factories were given certain benefits, so their tax status gradually began to improve."
Kitahara Hideji also nodded and said: "The factory has received a low-interest loan, which can maintain operations and support the workers. It can also get an extra income, so it is very willing to cooperate? Even the employees sent by Donglian have been bribed?"
Before this was completely straightened out, Kitahara Hideji felt that it was a bit confusing for him - all actions were covered with legality, gray income was taxed normally, and in a blink of an eye, it became legal property, and even money laundering was saved. What do you think?
You have the brains and the execution ability, why don't you do something serious? Do you have to do this?
Niyu confirmed: "That means these two guys have problems...Wait a moment, let me check their past resumes."
She picked up the phone and called the human resources department. Regardless, she asked for the personnel resume information of three or four departments in one go. She was the housekeeper's mother-in-law - not also the maid next to her mother-in-law. She scolded several times.
In short, the personnel department gave in and directly sent her the personnel resumes of hundreds of people, including of course the two "criminal suspects."
In fact, there is nothing secretive about the personnel file itself, and it does not involve personal privacy or internal secrets. Basically, it is something that can be known by asking. The personnel department is quite happy, knowing that the "daughter-in-law" cannot afford to offend the "mother-in-law"
, it also saves Niwa the trouble of rushing down to them directly - what is the problem with you that makes you refuse to cooperate with the investigation? I want to apply to include your Eastern Union as a key inspection target of the Financial Services Department this year!
The personnel resumes were successfully obtained. Kitahara Shuji and Niwa immediately divided their labors and cooperated. They also compared the resumes of the two "suspects" and found that both of them had worked at the Takagi City branch in Aichi Prefecture and that they were seniors. Then they followed the clues and found another job at the branch.
Among the current employees of the branch, a few people who had performed exceptionally well in the past four years were discovered among the promoted employees. Niwa was suddenly surprised, happy and angry - the possibility of a hidden case was becoming more and more likely, and someone was behind the scenes to use a large number of low-interest loans.
To make profits, this person has strong organizational skills and is also convincing. He is indeed a big fish!
As long as you find out who it is, you will have enough credit, and then you can call the big troops to finish it off!
Kitahara Hideji also gradually put the pieces of the puzzle together - the loan officers in the sales department can improve performance, facilitate promotion, and share profit benefits. With extra income, they are naturally very happy to participate, which makes up a link in the other party's organization.
.
Factories that couldn't get loans, bank loan officers, expatriates who were kicked out and their incomes dropped sharply, and now only the organizers are left behind.
Then who was the president of Takagi Branch four years ago? Even if this person is not the big boss, he is currently the most suspect!
Niwa checked the information and found the most suspicious person at the moment - Hiroyasu Misawa, the president of the Takagi Branch four years ago! Due to his outstanding performance, he was transferred to the store a year and a half ago as the head of the fifth sales department.
!
But when she turned around, she found that Kitahara Xiuji had touched another person's name, and couldn't help but ask: "Do you think it's this person?"
She attached great importance to Kitahara Hideji's judgment, but Kitahara Hideji shook his head lightly and said with a smile: "No, I have a personal grudge with this person!"
Ichiro Oishio, who served as the head of the sales section at Takagi Branch four years ago, is currently the deputy director of the fifth sales department at the Eastern Union Headquarters.