Black and white

  "Alright, Director Lin, let's begin the interrogation, and this will be recorded."

  "Wait a minute, sorry to interrupt." Rosa smiled and raised her hand, smiling at the person opposite her, "Lin Qiang has just been promoted to Director of the Business Hall, your title can't keep up with the change."

  Liu Ming was taken aback, looking slightly embarrassed. He suddenly realized that he might have said something wrong. According to the information in his hand, Lin Qiang was only the former head of the financing department of the original Financial Street Branch... and had not mentioned Lin Qiang's current position at all.

  "Just call Lin Qiang." Lin Qiang nodded towards him.

  "Oh... alright, Lin Qiang." Liu Ming awkwardly raised his glasses and asked, "You were employed at the United Bank - Financial Street Branch Financing Department from September 2011 to half a month ago. What do you know about Shinda Real Estate?"

  The scene fell silent, and Liu Ming's straightforward question directly pushed Lin Qiang to the tip of the knife.

  Beside him, is always his backstage supporter and a branch-level leader.

  Across from them were law enforcement personnel from the Audit Office.

  This matter is a problem that needs to be thought about for a long time, and it's hard to express it to what extent. Fortunately, Lin Qiang had enough time to think thoroughly thanks to the reminder last night.

  "Lin Qiang, to be honest." Rosa smiled at Lin Qiang and then turned to the opposite side with a smile, "This Director Lin is still young and hasn't seen such a scene before, sorry about that."

  "It's okay." Liu Ming seemed to be helping Lin Qiang on purpose, and he prompted him, "According to the branch manager of Financial Street and the current group leader, you should be very familiar with Xinda Real Estate, right?"

  Lin's heart tightened again.

  At the door, Qian Cai Ming begged himself to let him go.

  How can he be very familiar with this company according to his statement?

  He obviously hopes he doesn't have to say anything.

  Before Lin Qiang could speak, Rosa smiled and said: "Director Liu, your question is too skillful. Lin Qiang hasn't even started speaking yet?"

  "Haha, Director Luo, this is the second time you've interrupted me, right?" Liu Ming confidently raised his glasses and looked at Luo Sha, "During our audit bureau's questioning, we have no obligation to allow bank leaders to listen in. We've already made a big concession by allowing it, so I hope you won't participate too much."

  Rosa furrowed her brow and leaned back in her chair, no longer speaking.

  Lin Qiang secretly took a deep breath and thought that this Liu Ming still had a lot of aura, which was just right.

  He thought for a moment and then said: "As Qian Cai and Nie Xiao Feng said, I have some understanding of Xinda Real Estate."

  "About half a year ago, I became the leader of the third group in the financing department and began to coordinate all enterprises and loans under the responsibility of the third group. In the intervals of regular business, I will review previous loans one by one to identify the risk level of enterprises."

  "Excuse me," Liu Ming asked, "Is the result you identified still valid now?"

  "They should all be in the file cabinet, I left them for the next group leader of Group 3 before I transferred."

  Colleagues around Liu Mingchong nodded: "Note this down, the previous two didn't mention it."

  He waved his hand: "Please continue."

  "Based on my personal habit, I will divide enterprises into S, A, B, C, Z levels..."

  Liu Ming exclaimed: "Is it over just like that?"

  Lin Qiang nodded calmly: "Yes, if it's Z-level, it's a bomb. We mustn't touch it under any circumstances."

  "Interesting..." Liu Ming smiled and nodded for Lin Qiang to continue.

  "S-level companies are high-quality companies that will absolutely have no problems, either with a state-owned background or with strong capital and physical asset foundation, which is the kind of company that will definitely make profits within 5 years and cannot go bankrupt within 10 years. The risk increases gradually downwards, to C-level companies, if there is no solid asset mortgage, loans should not be made at all. Unfortunately, in my sorting, Xinda Real Estate belongs to Z-level."

  "Oh?" Liu Ming was apparently very interested, "How did you determine that."

  "This company has been an old customer of the Financial Street Branch, and had borrowed 1.5 billion yuan from the bank before I came to United Bank, and then gradually increased the loan amount to a total of 7.5 billion yuan now, among which the first 5.5 billion yuan was already achieved before I took over as the team leader. When reviewing the loan materials, I found that Xinda Real Estate used mortgage contracts as collateral, totaling 557 copies. This situation where no fixed assets were pledged is rare, but it happened occasionally, and it reached a scale of 5.5 billion yuan at that time, which is extremely unusual. So I started to study the repayment data of Xinda Real Estate's mortgage loan, and found that there were often gaps in the middle, and each time after adding new loans, they would repay some of the old loans, which may be a behavior of using new loans to repay old loans."

  "Yes, we also found this suspicious point when reviewing the financial data of the Beijing branch."

  Lin Qiang continued: "Later, I further studied the financial statements and mortgage contracts of Xinda Real Estate, and found many suspicious points, confirming that this company is extremely dangerous. Considering that this company is one of the top 500 enterprises in China, I did not make excessive publicity, but instead reported to my then-leader Qian Cai and applied for withdrawal of these loans."

  "Oh?!!" Liu Ming's arms swung out in surprise as he asked, "Are you sure about this? The two people ahead didn't mention it at all!"

  "What?!?!" Lin Qiang was even more shocked, excitedly getting up and saying, "Impossible! Many people in the department know that if Qian didn't admit it, there might be a possibility, but Nie Xiaofeng definitely knows. At that time, many materials were also copied by him for me!"

  Liu Ming's eyes changed in an instant, and he raised his hand: "Hmm, you speak first, we will investigate the specific matter later. Such conflicts are common during investigations."

  "Lin Qiang, don't be like this." Rosa glanced at him and said, "It's common knowledge that you and Qian Cai are like fire and water, but it can't be that you're even using the law enforcement of the Audit Bureau?"

  Lin Qiang furrowed his brow tightly and glanced at Rosa.

  "Lin Qiang, continue," said Chen Xingchang, his face unchanged, waving his hand at Lin Qiang.

  Seeing Xing Chang's reaction, Lin Qiang also suppressed his anger and refrained from retorting.

  The manager's meaning is very clear: if you want to make a scene, don't do it in front of outsiders, or the bank will lose face.

  "Lin Qiang, continue, don't be affected by emotions." Liu Ming advised and then said to Rosa again, "Director Luo, if you interfere with the investigation like this again, I'll have to ask you to leave."

  "Ugh... it's just unbearable, this kind of murder by proxy... it's really chilling." Rosa's voice was choked with emotion, covering her face and waving her hand, "I won't say anything more, you all talk."

  Lin Qiang truly saw a divine performance, Hao Wei and Luo Sha can't compare at all.

  "Alright, I'll emphasize it again. I clearly mentioned this to Qiancai more than once, and many people in the branch are aware of it." Lin Qiang emphasized and then continued calmly, "At that time, Qiancai said that Xinda Real Estate is a top 500 enterprise, and its boss is a regular on the rich list, so there's definitely no problem. Two months later, Xinda Real Estate proposed an additional loan. Since this company is maintained by our three teams, this deal naturally fell to me. I completely rejected the loan at that time. As a branch staff member, it's certain that we can lend out better performance, but I absolutely won't lend to a Z-level enterprise. This matter caused conflict between Qiancai and me."

  "In the meantime, Zhang Xinda specially invited Qian Cai and me to his private collection hall to see his collected antiques and show off expert appraisal reports, claiming that this antique alone is worth tens of billions, and Xinda Real Estate cannot afford to pay back the loan. As a financing personnel, I must be very clear that antiques cannot be used as collateral, and afterwards still refused to lend, and the conflict with Qian Cai deepened."

  Finally, Lin Qiang spread his arms: "As you can see, I've been transferred now."

  Chen Xingchang coughed: "Lin Qiang, transfer is transfer, contradiction is contradiction, don't mention them together."

  "......Alright." Lin Qiang nodded, Chen Xingchang was a hardline leader with a relatively good reputation, the backbone of the Beijing branch. Lin Qiang still had some faith in his words.

  Liu Ming continued to ask: "What about afterwards? Were you aware of the loan being released later on?"

  "Hmm, someone told me that I passed." Lin Qiang shook his head, "Too bad, this is the result I least wanted to see."

  "Uh-huh, we understand what you said." Liu Ming said with a wave of his hand, "There are four points that contradict the previous two people."

  "One of them is that you said you and Qiancai only mentioned the issue of corporate risk, but the first two did not mention this situation."

  "Secondly, you said that you refused the loan at that time, but according to the accounts of the previous two persons, it was Qian Cai who refused the loan, on the contrary, it was you who strongly promoted this loan."

  "Thirdly, Qian Cai also mentioned the visit to Zhang Xinda's private museum. According to his account, you and Zhang Xinda have a personal relationship, and the purpose of that visit was to persuade Qian Cai to approve the loan, but he refused."

  "Fourthly, according to Nie Xiaofeng's account, during the emergency loan process, due to the urgency of time, he had just taken over the work and Qian was not present, so he called to ask about Xinda Real Estate's situation. You were highly recommended, and he specifically said that out of respect for you and trust in his predecessor, he completely believed your opinion, which led to a big mistake."

  ………

  "!!!!!!!!!?" Lin Qiang was stunned and his eyes widened in shock.

  "How can you be so shameless?!!" He slapped the table and stood up, "Call her mother back, I'll tell him clearly to his face!"

  "Lin Qiang, don't get excited." Chen Xingzhang also stood up and scolded, "What kind of behavior is this!"

  “……”

  The conference room was completely silent, with only Lin Qiang's heavy breathing sound.

  "Lin Qiang, don't worry, we will investigate thoroughly." Liu Ming closed his notebook and stood up, "The preliminary inquiry ends here. The investigation team will soon formally enter your bank, sorry for the trouble."

  "It's where our improper monitoring has led to evil consequences." Chairman Chen stood up, bowed halfway and apologized, "We will also conduct a serious self-examination internally and cooperate with the investigation."

  After Liu Ming's assistant took down the camera, he rushed towards the crowd and said:

  "We'll leave first then, should be officially moving in the day after tomorrow, and it's expected to occupy this conference room for half a month."

  After seeing off the audit office, Lin Qiang was still in a state of numbness and anger.

  He never thought that Qian could be so shameless, and Nie Xiaofeng, whom he trusted deeply, would use such a blatant way to turn black and white upside down. Where did he get the courage?

  Rosa raised her legs and asked Lin with a tone of indifference: "Lin, how's working with Zheng Shuai?"

  She saw Lin Qiang didn't respond, so she walked forward and shook her finger full of rings: "What's wrong? Speak up, are you dumb?"

  "Alas, a seven-foot-tall man, once done must be acknowledged, others all say so, what else do you want?"