My Girlfriend is a Wicked Girl

During loan review, the purpose of the loan will be reviewed, and the borrower must also use the loan in accordance with the contract. Once embezzled, the loan will be recovered, and then it will be more likely to be held accountable, such as a reduction in credit rating and collective listing by the bank. Entering the blacklist of denied current accounts, one to five times the fine, and even being prosecuted for loan fraud-ordinary loans are the same, not to mention low-interest loans, which are more serious in nature.

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

Niwa Arika smoked his second cigarette much slower, and the smoke filled his eyes. He whispered: "It may be a pure personal act, but I feel more like a case... The other party is well prepared and the accounts are impeccable. I lied to the audit department of the East Union, lied to the former commissioner of the Financial Services Agency, and even almost lied to me. Loan."

Hideji Kitahara nodded lightly. The loan was only 110 million yen. Even if it embezzled nearly half, it would be about 50 million yen. According to the methods of these people, the money will still be repaid in the future. , The accounts are kept silent, but I don’t know what to do with this 50 million yen, and what can an investment of 50 million yen be worth such a lot of effort and risk?

　　50 million yen is definitely not worth it. The possibility of multiple illegal loans is indeed very high!

That one was caught on the spot for demolition. Maybe it’s just this one. And if there are factories with similar behaviors, they will immediately start to redo accounts, make up for loopholes, and fill in funds. Supplementing supplies turned into normal borrowers in a blink of an eye, and there was no way to pick them up. Even if they were to be found out, the time and energy cost would be at least ten times.

　　 Kitahara Hideji's mind turned, and he felt that Niwa was right. Anyway, Akashi has faith and can't run. It doesn't matter if he is happy for two days. First, check whether he has any accomplices, whether he is the mastermind or an accomplice.

　　 is the catch two days after the individual commits the crime, and does not affect the overall situation. If it is not the individual commits the crime, then catch a large number of them.

　　 He wanted to understand, and asked with a smile: "Then Commissioner Niwa intends to find out if there is a similar case first. It is suspected that someone is taking the lead. Many factories are using similar methods to misappropriate loans?"

"Yes, it doesn't look like a simple loan fraud, but embezzlement of low-interest loans for profit. If it were not the personal behavior of Akashi Yushin and others, there should be a complete gray chain of interests behind it." Niwa said. He also clarified his thoughts and raised his spirits, and the last few words showed a sharp breath.

　　 It's time to do meritorious service!

Kitahara Hideji silently mourned for Akashi Yushin and the factory for three seconds, feeling that they were unlucky when they met Niwa-these people racked their brains to improve the application materials, maybe there are still ghosts in Donglian Cooperating, it should have gone smoothly, but I came across Niwa, who didn’t recognize written documents, and had to investigate and verify from all aspects. I didn’t even check the factory orders, but I had to go to the site to check it out. The result was a real check. Something came out.

　　 It can only be said that what is fake is fake. It is sloppy and can't be deceived seriously-no wonder people who are serious are easy to hate!

　　Of course, they were also defeated because they had to arrange the metal ingots too neatly and cut corners. This damage to the geometric beauty is unforgivable and deserves to be cleaned up!

　　 Kitahara felt that this matter was too small, and asked with a smile, "Will the Financial Services Agency send an investigation team?"

Niwa squeezed out the smoke and shook her head, "I have to get the iron proof first, and if it hasn't been proved to be a case, I don't need to mobilize the public." Then she took a look at Kitahara Xiuji, and said honestly: "And I also have achievements. Require."

If it is really a large-scale case, she must first make the merits, check it out completely, lock down the behind-the-scenes, and then recruit a large force, so that in the future, her main hero will not be able to escape, and she will be stable. The salary increase is promoted to receive bonuses.

　　 There is no objection to Kitahara Hideji. While doing his job well, he has a bit of personal pursuit. This is completely understandable. This Niwa also needs to live, and he also needs food, clothing, shelter and transportation.

　　 He smiled and said, "I wish Commissioner Niwa an early promotion." Money is not mentioned, it is too vulgar.

　　 Niwa did not expect to be sent out as a commissioner only a few days to get a big harvest, this is all thanks to Kitahara Hideji's blessing, can not help but look at him more and more admiration, sincerely said: "Thank you this time, Kitahara-kun."

Without Kitahara Xiuji, she went back to Fudge just like the previous commissioner. Maybe she will not pay attention to the loan documents of this factory again in the future-a good factory, don't care about a little problem, the general direction is correct. That's it.

　　 "This is what I should do, you are welcome, but what do you plan to do with this next?"

"First check with the lender. He is the first person to handle it. If he is not deceived, there will be some problems with the other money he puts." Niwa only needs to find a breakthrough. She is still very experienced, after all. I've been working for seven or eight years, even if I haven't experienced this kind of thing, I've heard it many times.

　　 She urged: "Don't let Takemura know about this in advance, and everything will be on the same schedule today."

Let’s go to the end, Kitahara Hideji understands, and at this moment Yoko Takemura ran back with a bento box and drink Le Diandian. Niwa smiled at Kitahara Hideji, and began to think about it, as if to pass the time while bored. Son.

The next day’s itinerary went according to plan, but Niwa did not give a perfunctory matter, and asked each one carefully, and most of them had no major problems. After all, the audit department of Donglian did not eat for nothing, as for some documents. Little problem, some fabricated false orders, Niwa didn't bother about it—she mainly cared about where the loan was spent. This was her job.

　　 Don't mention those who have money in the account. If there is no money, she will ask in detail where the flower went, what she bought, and where she put it, and then she will follow along and take a look, and Kitahara also uses the system to point.

　　 I ran six shops in one day. In addition to the first one, there was another problem. The money and purchases were not counted, but the disguise was very clever, and the materials and accounts were all perfectly matched.

　　 Niwa still remained silent, as if he had found nothing, and finally rushed back to the Donglian store at 8 o'clock in the evening. Yoko Takemura was very happy. She felt much less stressed without finding out anything. Otherwise, she really found out something. Although she can't be blamed, she will inevitably be angered by her superiors.

　　 Fortunately!

　　 When I returned to Donglian, Niwa didn't mean to leave work. What shift would he be leaving soon? She assigned a lot of tasks to Yoko Takemura, a temporary assistant, and asked for a lot of information. No matter whether there were people in other departments, she forced her to find them. After Yoko Takemura left, she called herself. After a while on the phone, I quickly received several emails.

There were other staff in this writing room, but she didn’t fake it. She moved the printer and printed it out. Then she got together with Hideji Kitahara to see-she was no longer a high school student for an internship. She really took him. Treat it as an assistant.

　　 "Isn't the person handling the person alone?" Niwa couldn't help but frown after a brief look. The two factories in question were not looking for 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 embezzlement of funds?

　　 Kitahara Hideji and his party looked at them carefully, and exclaimed: "These two people have a very good performance. They can basically get them back on time when they lend out. There are almost no bad debts. Customer reviews are also perfect, far better than their colleagues."

"I'll check their customers again!" Behind Niwa is the state machine, which has a lot of resources. Many ordinary people need to break their legs to inquire about things. She can directly ask other government departments for information through the Financial Services Agency's turnover. In the evening, it only took more than half an hour to get a full set of tax information for the two individuals who have loaned them in recent years.

But Hideji Kitahara didn’t understand the tax list, so Niwa started teaching him again, pointing and saying, “It’s mainly here. You don’t need to worry about other business taxes and consumption taxes. You don’t need to look at these decals and educational surcharges. The turnover tax is paid as long as it is produced and operated. It is impossible to see whether the operation is good or bad. To judge whether the operation is good or not, it is only good to look at the income tax. This is only paid when the factory makes money."

This old driver was very reliable in giving directions. Kitahara understood it every second, and his relatively ordinary human intelligence took effect immediately and quickly identified the problem: "These factories started to improve their business conditions four years ago. Yes, it seems to have been unprofitable for some time before."

Niwa nodded and said, "I'm afraid that they have been on the verge of bankruptcy for a while and have difficulties in obtaining loans, but then they have all received low-interest loans, that is...that is, someone pulls them into the partnership, borrows them to apply for low-interest loans in excess, and then uses them. Excessive low-interest loans are used to lend usury or to engage in some illegal activities. After the profits are obtained, these factories will be profitable. Therefore, their taxation status gradually began to improve."

　　 Kitahara Hideji also nodded: "The factory has received a low-interest loan, which can maintain its operations, feed its workers, and at the same time get an extra income, so it is very willing to cooperate? Even the employees sent by Donglian have been bought out?"

　　 This hasn't been completely straightened out yet, and Kitahara Hideji felt a bit scratching his head—all behaviors were covered in legal clothes. Gray income was paid normally, and it became legal property in an instant, and even money laundering was saved. You said that you have the brain and the ability to execute. Isn't it good for you to do business? Have to do this?

　　 Niwa confirmed: "That is that these two guys have problems... Wait a minute, I will check their past resumes."

She touched the phone and called the personnel department. Regardless, she asked for the personnel resumes of three or four departments in one go, and she was the mother-in-law of the housekeeper-not the identity of the maid beside her, so she reprimanded a few. Sentence, the Ministry of Personnel was convinced, and directly sent her the personnel resumes of hundreds of people, including the two "suspects" of course.

In fact, this personnel file itself has nothing to keep secret, and it does not involve personal privacy or internal secrets. It is basically something that you can know when you ask. The Ministry of Personnel is very happy, knowing that being a "daughter-in-law" can't offend a "mother-in-law". , It also saves Niwa and rushes down to find them trouble-what problem do you have to refuse to cooperate with the investigation? I want to apply for your Eastern Union to be included in the key inspection targets of the Financial Services Agency this year!

The personnel resumes were obtained smoothly. Kitahara Hideji and Niwa immediately worked together in a division of labor, and compared the resumes of the two "suspects". They found that both had spent time at the Takagi branch in Aichi Prefecture. They were in a relationship between their ancestors. Among the existing staff and promoted staff of the branch, a few guys with exceptional performance in four years were discovered. Suddenly Niwa was surprised, happy, and angry—the possibility of a case is getting bigger and bigger~www.readwn.com~ Someone is behind. Manipulating a large number of low-interest loans for profit, this person has strong organizational skills, but also convincing, it really is a big fish!

　　 As long as you find out who it is, you will have enough credit, and then you can call the army to come to the end!

Kitahara Hideji also gradually completed the puzzle-the loan officer in the sales department can improve performance, facilitate promotion, but also share the benefits, and have additional income. Naturally, he is very willing to participate, which complements the other party’s organization. .

　　 Factories that can’t get loans, bank lenders, and expatriates who have been kicked out of the game, whose income has dropped sharply. At present, it’s only the organizers behind them.

　　 Four years ago, who was the president of the Takagi branch? Even if this person is not the big boss, that is the most suspicious right now!

　　 Niwa checked the information and went down, and found the most suspicious person at the moment-the Takagi branch president Hiroyasu Misawa four years ago! Due to outstanding performance, he was transferred to our store a year and a half ago as the fifth sales department head!

　　 But when she turned her head, she found that Hideji Kitahara had struck another person's name, and couldn't help asking: "Do you think it is this person?"

　　 She attaches great importance to Kitahara Hideji's judgment, but Kitahara Hideji shook her head slightly and smiled: "No, I have a private grudge with this person!"

　　 Oishio Ichiro, served as the head of the sales department at Takagi branch four years ago, and currently serves as the deputy head of the fifth sales department at the Eastern Union headquarters.

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