My Girlfriend is a Wicked Girl

When the loan is reviewed, the purpose of the loan will be reviewed, and the borrower must also use the loan according to the contract. Once the loan is misappropriated, the loan will be recovered first, and it is more likely to be held accountable later, such as a credit rating being lowered, and being listed collectively by the bank. Rejecting the blacklist of current accounts, fines of one to five times, and even being prosecuted for loan fraud—this is the case for ordinary loans, not to mention low-interest loans, which are more serious in nature.

Hideji Kitahara frowned and thought about the doorway inside: "The nest case? Isn't it a personal act?"

Niwa Arika smoked much slower on the second cigarette, and the smoke filled his eyes, and said softly: "It is indeed possible that it is a purely personal behavior, but I feel more like a case... The other party is well prepared and the accounts are impeccable. You have fooled the audit department of Eastern Union, the former commissioner of the Financial Services Agency, and even almost fooled me. No, you should have fooled me. This is obviously not the first time to commit a crime, let alone just to embezzle a loan."

Hideji Kitahara nodded lightly, the loan was only 110 million yen, even if nearly half of it was embezzled, it would be about 50 million yen, and judging by the methods of these people, the money will be repaid with principal and interest in the future , Balance the accounts silently, but I don’t know what to do with the 50 million yen, and what is the investment of 50 million yen worth so much effort and risk?

Fifty million yen is definitely not worth it, and the possibility of multiple illegal loans is indeed very high!

If you dismantle it on the spot, you will catch this one, maybe it’s just this one time, and if there is another factory with similar behavior, it will immediately start to redo the accounts, make up for the loopholes, and fill up the funds. In the blink of an eye, they all became normal borrowers for replenishing supplies, and there was no way to catch them. Even if they were to be caught, the time and energy cost would be at least ten times higher.

Hideji Kitahara thought about it, and felt that this guy Niwa was right. Anyway, Akashi has faith and can't escape, so it doesn't matter if he is allowed to be happy for two days. First, he secretly checks whether he has any accomplices, whether he is the mastermind or an accomplice.

If it is an individual who committed the crime two days later, it does not affect the overall situation. If it is not an individual crime, then a large number of them will be arrested.

He figured it out, and asked with a smile, "Commissioner Niwa intends to find out if there are any similar cases first. He suspects that someone took the lead and that many factories are using similar methods to embezzle loans?"

"That's right, this doesn't look like a simple fraudulent loan, but the misappropriation of low-interest loans for profit. If it wasn't for the personal actions of Akashi Yunobu and others, then there should be a complete gray interest chain behind it." Niwa said He also sorted out his thoughts, cheered up, and the last few words revealed a sharp air.

It's time for meritorious service!

Hideji Kitahara mourned for Akashi Yushin and the factory for three seconds, feeling that they were unlucky to meet Niwa—these people racked their brains to make the application materials more perfect, maybe there are ghosts in Donglian Cooperate, it should be smooth sailing, but I met Niwa, who doesn't recognize written documents, and insists on investigating and checking from all aspects. He didn't even check the factory orders, but came to see it on the spot. Something happened.

It can only be said that a fake is a fake, you can fool a sloppy ghost, but you can't fool a serious person-no wonder people who do things seriously are easy to be hated!

Of course, they also failed because they insisted on arranging the metal ingots too neatly and cutting corners. This damage to the geometric beauty is unforgivable, and they deserve to be cleaned up!

Hideji Kitahara felt that this was a big deal, and asked with a smile, "Will the Financial Services Agency send an investigation team?"

Niwa stubbed out the cigarette, and shook her head, "Let's get the hard evidence first, and let's say it's not proven to be a case, so don't mobilize the crowd." Then she took a look at Kitahara Hideji, and said truthfully: "And I also have achievements. Require."

If it is really a large-scale den case, she must first confirm the credit, check it completely, lock the mastermind behind the scenes, and then recruit large troops, so that in the future, no matter what, her position as the main hero will not be lost, and it will be safe. Salary increase and promotion to receive bonuses.

Hideji Kitahara has no objection to this. While doing his job well, he has some personal pursuits, which is completely understandable. Niwa also needs to live, and also needs food, clothing, housing and transportation.

He laughed 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 a lot in just a few days after being sent out as a commissioner. It was all thanks to Kitahara Hideji, and he couldn't help but look at him with more appreciation, and said sincerely: "Thank you this time, Kitahara-kun."

Without Hideji Kitahara, she was fooled back like the last commissioner. Maybe she won’t pay attention to the loan documents of this factory in the future—good factory, don’t worry about minor problems, the general direction is right That's fine.

"This is what I should do, please don't be polite, but what are you going to do with this next?"

"Start with the lender. He is the first person to deal with it. If he hadn't been deceived, there may be some problems with the other money he put in." Niwa only needs to find a breakthrough. She has a lot of experience, after all I have been working for seven or eight years. Even if I have never experienced this kind of thing, I have heard it many times.

She warned: "Don't let Wucun know about this in advance, everything is on schedule today."

Hideji Kitahara understood, but Yoko Takemura ran back happily holding a bento box and a drink. Niwa smiled slightly at Hideji Kitahara, resting his chin and began to meditate, as if he was bored to pass the time Son.

The itinerary for the next day was still going according to the plan, but Niwa didn't slack off, and asked each family carefully, and most of them had no major problems. After all, Donglian's audit department is not free. Niwa didn't bother with minor issues, such as fabricating some false orders to some extent - she was mainly concerned about where the loan was spent, and this was her job.

If there is still money in the account, don't mention it. If there is no money, she will ask in detail where the money went, what she bought, and where she put it.

I went to six stores in one day, except for the first one that had a problem, there was another one that also had a problem. It was also that the money and the purchases did not match up, but the disguise was very clever, no matter how you looked at it, the materials and accounts were all in perfect harmony.

Niwa remained calm, acting as if he hadn't found anything, and finally rushed back to Donglian Main Store at around 8 o'clock in the evening. Yoko Takemura was overjoyed, since nothing was found out, the pressure on her was much less, otherwise, if something was found out, although she could not be blamed, she would inevitably be angered by her superiors.

Fortunately!

Back at Donglian, Niwa didn't intend to leave work, so what work should he do after he's about to make meritorious service? She assigned a lot of tasks to the temporary assistant Yoko Takemura, asked for a lot of information, and forced her to find them regardless of whether there were people in other departments. I got on the phone for a while, and soon received several emails.

There are other staff in this office, but she does not pretend to be human, she moved the printer and printed it out, and then watched it together with Kitahara Hideji-she no longer regarded Kitahara Hideji as an intern high school student, she really used him Treat as an assistant.

"Isn't the person in charge?" Niwa couldn't help frowning after a brief look. The two factories in question did not seek the same person for the loan, but two different employees.

This is a bit complicated, are they all deceived, or are they all involved in misappropriating funds?

Kitahara Hideji watched carefully and praised: "The performance of these two people is very good. They can basically recover on time when they lend out. There are almost no bad debts. The customer evaluation is also perfect, far better than their colleagues."

"Let me check their customers again!" Behind Niwa is the state machinery, which can use a lot of resources, and many ordinary people have to go all the way to find out. She can directly ask other government departments for information through the financial department. , It only took more than half an hour at night to get the full set of tax information of the two people who have lent money in recent years.

But Hideji Kitahara couldn't understand the tax list, so Niwa started to teach him again, pointing and saying: "The main thing is to look at this, don't worry about other business tax, consumption tax, etc., don't look at these decals, education surcharges, The nature of the turnover tax will be paid as long as the production and operation are in operation, and it is impossible to judge whether the operation is good or bad, but to judge whether the operation is good or bad, we only need to look at the income tax, which will only be paid if the factory makes money."

This old driver is quite reliable in guiding the way, and Kitahara Hideji understood it in seconds, and his high intelligence added by the system immediately took effect, and he quickly judged the problem: "These factories first started to improve four years ago. , it seems that they have been in a state of no profit for a period of time before."

Dan Yu nodded and said: "I'm afraid that they were on the verge of bankruptcy for a while, and it was difficult to get loans, but then they all got low-interest loans, that is... that is, someone recruited them into the business, borrowed their names to apply for low-interest loans, and then used The excess part of the low-interest loans lends usury or engages in some illegal things, and after obtaining the profits, they will share the benefits of these factories, so their tax status has gradually begun to improve."

Hideji Kitahara also nodded and said, "The factory has received a low-interest loan, which allows it to maintain operations, support workers, and at the same time get an extra income, so it is very willing to cooperate? Even the employees sent by Donglian were bought?"

This has not been completely straightened out yet, and Kitahara Hideji felt that he was scratching his head a bit - all the behaviors were covered with a legal cloak, and the gray income was taxed normally, and it became legal property in a blink of an eye, even money laundering was saved. You say that you have such brains and executive ability, so why not do something serious? Do you have to do this?

Niwa confirmed: "Then there is something wrong with these two guys... Wait a minute, let me check their past resumes."

She picked up the phone and called the HR department. Regardless, she asked for personnel resumes from three or four departments in one go, and she was the housekeeper's mother-in-law—not a mother-in-law, but also a maidservant next to her, so she sternly reprimanded her After a few words, the personnel department gave in and sent her the personnel resumes of hundreds of people, including the two "suspects".

In fact, the personnel file itself has nothing to keep secret, and it does not involve personal privacy or internal secrets. Basically, it is something that can be known by asking. , It also saves Niwa from rushing down to find them trouble-do you have any problems and refuse to cooperate with the investigation? I want to apply to include your East Union as the key inspection object of the Financial Services Department this year!

The personnel resumes were obtained smoothly. Hideji Kitahara and Niwa immediately divided the labor and cooperated, and compared the resumes of the two "suspects", and found that both of them had worked in the branch in Takagi City, Aichi Prefecture. Among the existing staff and promoted staff of the branch, they found a few guys with exceptionally good performance in the past four years, and Niwa was suddenly surprised, happy and angry—the possibility of a nest case is getting bigger and bigger, and someone is manipulating and using a large amount of low-interest loans For profit, this person has strong organizational skills and is also convincing. He really is a big fish!

As long as you find out who it is, you should take credit for it, and then call the big team to finish it off!

Hideji Kitahara also gradually completed the jigsaw puzzle - the loan officer in the sales department can improve performance, facilitate promotion, and share the benefits. With extra income, he is naturally very willing to participate, which is another part of the other party's organization. .

Factories that cannot get loans, bank loan officers, and expatriate employees who have been kicked out and their income has dropped sharply. At present, only the organizers behind them are missing.

Four years ago, who was the president of the Takagi branch? Even if this person is not the big boss, he is currently the most suspect!

Niwa searched through the information and found the person who is most suspected at present - Misawa Hiroyasu, the president of the Takagi branch four years ago! Due to outstanding performance, he was transferred to our store as the head of the fifth sales department a year and a half ago!

But when she turned her head, she found that Hideji Kitahara had touched the name of another person, and she couldn't help asking, "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!"

Oishio Ichiro, who worked as the head of the sales department at Takagi Branch four years ago, is currently serving as the deputy head of the fifth sales department at the East Union Headquarters.

November is over in half an hour. If you don't find a book you like to vote for, why not throw it to me, thank you?

In addition, due to the instructions of the superiors, I am asking for a monthly ticket for December. Thank you very much!