Loan verification time, will verify the loan use, but the lending person must according to the contractual requirement use loan, one, but diverts to meet is recovered the loan, after that may be held responsible, for example the credit rating reduces, is included the rejection current account blacklist, one to five times of fines even to be sued loan crime of fraud by the bank collective- simple loan like this, do not raise the low-interest loan, that nature is more serious. 贷款审核的时候,会审核贷款用途,而借贷人也必须按合约规定使用贷款,一但挪用首会是被追回贷款,其后更有可能被追究责任,比如信用评级降低、被银行集体列入拒绝往来户黑名单、一到五倍的罚金甚至被起诉贷款诈骗罪-普通贷款都这样了,更不要提低息贷款,那性质更严重。 Kitahara Shuji knits the brows to ponder inside way: „ Nest case? Isn't the personal behavior? 北原秀次皱眉思考着里面的门道:“窝案？不是个人行为吗？ Slow that the Tanba Yali fragrant second cigarette pulls out, hazy at present, said in a soft voice: „Really may be the pure personal behavior, but I felt more like the nest case...... the opposite party to prepare completely, the account was impregnable, has deceived the verification department of East Union, has deceived Financial Services Agency's beforehand special commissioner, even has almost deceived me, no, should deceive me, this obviously was not first committing a crime, not only to divert a loan.” 丹羽亚利香第二支烟就抽的慢多了,烟雾弥漫在眼前,轻声道:“确实有可能是单纯的个人行为,但我感觉更像是窝案……对方准备周全,帐目无懈可击,骗过了东联的审核部门,骗过了金融厅之前的专员,甚至差点骗过了我,不,应该是已经骗过了我,这明显不是第一次犯案,更不会只为了挪用一笔贷款。” Kitahara Shuji nods gently, that loan only then 110 million yuan, even if diverted near half still on 50 million yuan about, moreover according to the techniques of these people, this sum of money will also meet the principal and interest in return in the future, account even silence, but does not know that will do with these 50 million yuan, but what 50 million yuan invest to be worth the flowered such big mental effort, takes such risk? 北原秀次轻轻点了点头,那笔贷款只有一亿一千万円,就算挪用了近一半也就五千万円左右,而且按这些人的手法来看,将来这笔钱还会本息还上,将帐目平的无声无息,只是不知道会拿这五千万円去干什么,而五千万円投资什么能值得花这样大的心力,冒这样的风险？ 50 million yuan are definitely unworthy, the possibilities of many law or discipline violation loans are truly big! 五千万円肯定不值,有多笔违规违法贷款的可能性确实很大！ That sees through an affair at the scene also stresses this, cannot do well also grasps this time, but under alerting the enemy, if the factory of similar behavior, will start to recreate the account immediately, makes up for the loophole, the fill fund, makes up prepares the commodity, in an instant turned into the normal lending person, is unable to work, even if must clutch, the time energy cost of investment must at least by ten times of ideas. 那当场拆穿也就抓这一个,搞不好还只是抓这一个的这一次,而打草惊蛇之下,万一还有同类行为的工厂,立马就会开始重做帐目,弥补漏洞,填补资金,补备物资,转眼间又都变成了正常借贷人,根本无从抓起,就算死活要揪出来,投入的时间精力成本起码也要以十倍计了。 The Kitahara Shuji brain transferred the revolutions, felt right that Tanba this fellow judges, the alum has the letter/believes unable to be inescapable in any case, that puts him to ramble self-satisfied two days also indifferent, first does he have the partner in secret, he was the chief instigator or the accessory culprit said again. 北原秀次脑子转了转,觉得丹羽这家伙判断的对,反正明石有信又跑不了,那放他逍遥得意两天也无所谓,先暗中查查他有没有同伙,他本人是主谋还是从犯再说。 Commits a crime late two days to grasp personally, does not affect the general situation, does not commit a crime personally, that grasps a big skewer. 是个人犯案晚两天抓,不影响大局,不是个人犯案,那就一抓一大串。 He wants to understand, smiles to ask: „Special Commissioner Tanba is the plan first looks for similar case, suspected that some people do coordinate, there are many factories to use similar method to divert the loan?” 他想明白了,笑问道:“那丹羽专员是打算先找找有没有类似的案例,怀疑有人牵头,有多家工厂在用类似的方法挪用贷款？” „Right, this does not seem like the pure deceiving loan, but diverts the low-interest loan to seek money. If not the alum has letter/believes and the others the personal behaviors, that behind should have a complete gray interest chain.” Tanba was saying was saying also cleared off the mentality, is in high spirits, the final several characters showed swift and fierce air/Qi. “没错,这看起来不像是单纯的骗贷,而是挪用低息贷款牟利。如果不是明石有信等人的个人行为,那后面应该有一条完整的灰色利益链条。”丹羽说着说着也理清了思路,精神振奋起来,最后几个字都透出了一股凌厉之气。 Rendering meritorious service time arrived! 立功的时候到了！ Kitahara Shuji was the alum has the letter/believes and that factory paid silent tribute for three seconds, felt that they bumped into Tanba is also unlucky- this group of people racked brains to achieve to strive for perfection the application material, could not do well in East Union also had the ghost to coordinate, should be smooth, finally bumped into Tanba this not to recognize the written document, person who must investigate the checkup from various aspects, even the factory order checked did not say, but must run to have a look on the spot, finally finally really found out a thing. 北原秀次为明石有信及那家工厂默哀了三秒钟,感觉他们碰到丹羽也算倒霉-这帮人绞尽脑汁把申请材料做到精益求精了,搞不好在东联还有内鬼配合,原本应该顺风顺水的,结果碰到了丹羽这个不认书面文件,非要从各方面调查核对的主儿,连工厂订单都查了不说,还要跑来实地看看,结果最后真查出了点东西。 Only can say false is false, deceived the careless ghost, could not deceive dead earnestly- no wonder worked the earnest person to be easy! 只能说假的就是假的,骗得了马虎鬼,骗不了死认真-难怪做事认真的人容易招人恨啊！ Naturally, they also defeated in must suspend too neatly the ingot metal must cheat on labor and materials, this destruction how much beautiful was unforgivable, got what one deserves by tidying up! 当然,他们也是败在了非要把金属锭摆得太整齐又要偷工减料,这破坏几何美不可原谅,活该挨收拾！ Kitahara Shuji felt that this matter small, smiles to ask: „Will Financial Services Agency send the survey team to come?” 北原秀次感觉这事儿小不了,笑问道:“金融厅会派调查组来吗？” Tanba pinched out the smoke, shakes the head, „first attained the ironclad proof to say again, then said had not shown was the nest case, first did not need to drag in lots of people.” Then she looked at Kitahara Shuji one, told the facts: „Moreover I have the performance request.” 丹羽将烟掐灭了,摇了摇头,“先拿到铁证再说,再说还没证明是窝案呢,先不用兴师动众。”接着她看了北原秀次一眼,又实话实说道:“而且我也有业绩要求。” Must really be the large-scale nest case, this was must first do the merit, checked a completeness, locked the secret evil behind-the-scenes manipulator, then incurred the large unit to come, such position of future in any event her main hero cannot escape, steady raised in salary to be promoted receives the bonus. 要真是大型窝案,她这是要把功劳先做实了,查个完完整整,锁定了幕后黑手,然后再招大部队来,这样将来无论如何她主要功臣的地位都跑不了,稳稳的加薪升职领奖金。 Regarding this Kitahara Shuji does not have the opinion, completes the labor of duty at the same time, a little pursues this definitely to understand personally, this Tanba must live, needs the basic necessities of life. 对此北原秀次没意见,做好本职工作的同时,有点个人追求这完全可以理解,这丹羽也要生活,也需要衣食住行。 He said with a smile: „That wishes Special Commissioner Tanba to be soon promoted.” Money does not raise, is too vulgar. 他笑道:“那祝丹羽专员早日升职。”钱就不提了,太俗。 Tanba has not thought that was sent, when the special commissioner several days has the big harvest, this all thanks to Kitahara Shuji, looked even more appreciates to his vision, said sincerely: „This time thank you, Kitahara.” 丹羽没想到被派出来当专员才几天就有大收获,这全是托了北原秀次的福,不由看向他的目光越发欣赏起来,诚恳道:“这次谢谢你了,北原君。” Without Kitahara Shuji, she gave to trick like the previous special commissioner, perhaps later saw that the loan document of this factory will not pay attention again- good factory, a little small problem not to need to manage, general orientation right on line. 没北原秀次,她就像上一个专员一样给忽悠回去了,说不定以后再看到这家工厂的贷款文件根本不会再关注-好工厂啊,有点小毛病也不用管,大方向没错就行。 „This is I should do, please do not use politely, but how do you then plan to handle this matter?” “这是我应该做的,请不用客气,不过您接下来打算怎么处理这件事？” „First from lending, he is the first person handling it, if he were not hoodwinked, other fund that he puts fear also many a little issue.” So long as Tanba found the breach on the line, she experiences is very rich, after all did for 78 years, even if this matter has not experienced, listened still to listen to many times. “先从放贷员查起,他是第一经手人,如果他不是被蒙蔽了,他放的其它款子怕也多少有点问题。”丹羽只要找到突破口了就行,她本身经验还很丰富,毕竟干了七八年了,就算这种事没经历过,听也听过很多次了。 She urged: „This beforehand do not make Takemura know, today all programs as usual.” 她叮嘱道:“这件事先不要让武村知道,今天一切日程照旧。” Will not want alerting the enemy to carry through to the end, Kitahara Shuji understands, but at this time Takemura Namiko holds the lunch box and drink runs jumping with joy, Tanba shows a faint smile to Kitahara Shuji, rests one's chin in one's hands to start to ponder, bored kills the time type. 将不要打草惊蛇进行到底嘛,北原秀次明白,而这时武村洋子捧着便当盒和饮料乐颠颠跑回来了,丹羽向北原秀次微微一笑,托腮开始沉思起来,一副无聊中打发时间的样儿。 Then the same day traveling schedule conducted according to the plan, but Tanba has not scuffled, is asking carefully, but majority had no major problem, after all the verification department of East Union did not eat meal white/in vain, as for the small issues in some document, many fabricated a groundless order, Tanba had not pestered but actually- she mainly cared where the loan flower to went, this was her labor of duty. 接下来当天的行程还是按计划进行,只是丹羽也没有敷衍了事,还是一家一家仔细问着,而大多数都没什么大问题,毕竟东联的审核部门也不是白吃饭的,至于有些文件方面的小问题,多少捏造了点儿不实订单,丹羽倒也没纠缠-她主要关心贷款花到哪里去了,这才是她的本职工作。 In the tent/account also has money does not need to raise, where without her of money must closely examine the flower to go in detail, bought anything, where places, then she must follow to have a look, but Kitahara Shuji also while convenient using system points. 帐上还有钱的不用提,没钱的她就要详细追问花哪里去了,买了什么,放在哪里,然后她就要跟着去看看,而北原秀次也顺便利用系统点点数。 A day ran six, has the issue besides first, has the issue, similarly is the thing that money and purchases to does not count, ingenuity that very but camouflages, how saw that the commodity and account fit together perfectly. 一天下来跑了六家,除了第一家有问题外,还有一家也有问题,同样是钱和采购的东西对不上数,但伪装的很巧妙,怎么看物资和帐目都严丝合缝。 Tanba maintains composure, regards the appearance that anything has not discovered, finally when around 8 : 00 pm hurried back to the East Union head store. Takemura Namiko is feeling pleased, this anything has not checked her pressure on be smaller, otherwise really finds out anything to come, although cannot blame on her, but must have must vent anger by the higher authority. 丹羽还是不动声色,当成什么也没发现的样子,终于晚上 8 点多时又赶回了东联本店。武村洋子喜滋滋的,这什么也没查出来她的压力就小多了,不然真查出点什么来,虽然怪不到她头上,但少不了也要被上级迁怒。 Lucky! 万幸！ Returned to East Union, the meaning that Niwa has not gotten off work, what class immediately can render meritorious service under? She gave Takemura Namiko this interim assistant to issue big pile of duties, demanded big bunch of materials, no matter also other department also some people no one caught up with her to look forcefully, but after waiting for Takemura Namiko to walk, she made a while phone call, received several mails quickly. 回到了东联,丹羽没有下班的意思,马上要立功了下什么班？她给武村洋子这临时助手布置了一大堆任务,索要了一大堆资料,也不管别的部门还有人没人就强行赶着她去找了,而等武村洋子走了后,她自己打了一会儿电话,很快收到了数封邮件。 This writing room also has other staff member, but her not fake manpower, oneself moved the printer to print, then crowded together to look with Kitahara Shuji- when she no longer Kitahara Shuji was the high-school student of practice, is really being the assistant to regard with him. 这写字间还有别的职员,但她不假人手,自己搬了打印机就打印了出来,然后和北原秀次凑在一起看-她不再当北原秀次是实习的高中生了,真拿他在当助手看待。 „Isn't person handling it a person?” Tanba looked simply, cannot bear somewhat knits the brows, the factory that two have the issue handles the same person who the loan is not finds, but is two different staff members. “经手人不是一个人？”丹羽简单一看后忍不住有些皱眉,那两家有问题的工厂办理贷款不是找的同一个人,而是两个不同的职员。 This was a little complex, was cheated, was involved the fund misappropriation? 这就有点复杂了,是都被蒙骗了,还是都涉入到了挪用资金当中？ Kitahara Shuji is examining carefully one after another, to praise sighed: „These two person performance are very good, makes loans basically to take back on time, almost does not have the dead account bad debts, the customer evaluation is also very perfect, by far colleague.” 北原秀次一行一行细看着,赞叹道:“这两个人业绩很不错啊,放贷出去又基本都能按期收回,几乎没有死帐烂帐,客户评价也很完美,远胜同僚。” „I check again their customer!” Behind Niwa is the state machinery, the resources that can utilize is a lot, many average people need to wear out to inquire matter that she directly through the Financial Services Agency turnover asked that other government departments wanted the material to be good, big evening's also only spent for a half hour to do these two people in recent years the complete set tax payment information of lending object. “我再查一下他们的客户！”丹羽背后是国家机器,能动用的资源很多,很多普通人需要跑断腿才能打听到的事儿,她直接通过金融厅周转问其它政府部门要资料就行了,大晚上的也只花了半个多小时就搞来了这两个人近几年放贷对象的全套纳税信息。 However tax list Kitahara Shuji a little could not understand, therefore Tanba starts to teach him, points was saying: „Mainly looks here, other business taxes and consumption taxes and so on does not use multibarreled, these applique and education additional tax does not need to look, transaction tax nature, so long as the production operation can pay, cannot see the operation quality, but the judgment operation quality only looked that the income tax is good, this factory makes money to pay.” 不过税务清单北原秀次就有点看不懂了,于是丹羽又开始教他,指着说道:“主要看这里,其它的营业税、消费税之类的不用多管,这些贴花、教育附加税也不用看,流转税性质的只要生产经营都会缴纳,看不出经营好坏,而判断经营好坏只看所得税就好,这个只有工厂赚到钱才会缴纳。” This senior driver shows the way is quite credible, the Kitahara Shuji second understands, but his relative average person high intelligence has the effect immediately, judged rapidly having problems is at: „These factories are earliest four years ago the operating condition starts to be improved, before probably had is no profit condition after a period of time.” 这老司机指路相当靠谱,北原秀次秒懂,而他的相对普通人来说的高智力马上起效,迅速判断出了问题之所在:“这些工厂最早是从四年前经营情况开始好转的,之前好像都有过一段时间处在无盈利状态。” Tanba nods saying: „Feared that has is on the verge of the bankruptcy after a period of time, loans the difficulty, but attained the low-interest loan later, is...... also some people draws them to join a group, taking advantage of their name extra application low-interest loan, then lends money at high interest or is engaged in the low-interest loan of extra part certain illegal matters, after yielding the income, shares benefit these factory certain advantage, therefore their tax payment conditions gradually start to be improved.” 丹羽点头道:“怕是都有过一段时间濒临破产,贷款困难,但随后都拿到了低息贷款,也就是……也就是有人拉他们入伙,借他们的名义超额申请低息贷款,然后用超额部分的低息贷款放高利贷或是从事某些不法之事,获得收益后再分润这些工厂一定好处,所以他们的纳税状况才逐渐开始好转。” Kitahara Shuji also nods saying: „Factory attained the low-interest loan, can maintain the operation, supports the worker, can obtain an additional income, therefore is glad to coordinate very? Even was the staff who East Union sends also bought?” 北原秀次也点头道:“工厂拿到了低息贷款,可以维持经营,养活工人,同时也可以得到一笔额外收入,所以十分乐意配合？甚至东联派去的员工也被收买了？” This had not straightened out completely, Kitahara Shuji thought that a little made him scratch the head- all behaviors are having the legitimate coat, the income from moonlighting paid taxes normally, in an instant became the legal entity, even laundered money saves. You said that you have this brain, has this to carry out the ability, doing a proper business isn't good? Can do this? 这还没完全理顺了,北原秀次就觉得有点让他挠头了-一切行为都披着合法的外衣,灰色收入正常缴税,转眼间就成了合法财产,连洗钱都省了。你们说你们有这脑子,有这执行能力,干点正事不好吗？非要干这个？ Tanba confirmed: „That was these two fellows has the issue...... to wait a bit, I checked their past personal history.” 丹羽确认道:“那就是这两个家伙都有问题了……稍等,我查一下他们过去的履历。” She touched the telephone to give the human resources department to hit, disregarded, wanted the human affairs personal history materials of 34 departments, but she was steward mother-in-law's status- was is not the status of mother-in-law big maidservant, reprimanded sternly several, that side the human resources department admitted defeat, sent to her several hundred people of human affairs personal history directly, naturally also included that two „crime to doubt to dislike person”. 她摸起电话就给人事部打过去了,不管不顾,一口气要了三四个部门的人事履历资料,而她是管家婆婆的身份-不是也是婆婆身边大丫鬟的身份,厉声斥责了几句,人事部那边就服了软,直接将数百人的人事履历给她发了过来,当然也包括那两名“犯罪疑嫌人”。 Actually this dossier also has nothing to keep secret, does not involve the personal privacy or internal secret, basically asked thing that knows, the human resources department is happy, is „wife” clearly not being able to be provoked „mother-in-law”, saved Tanba directly to clash to ask them to trouble- what issue did you have to refuse to coordinate to investigate? I must apply to include this year the Financial Services Agency key investigation target your East Union! 其实这人事档案本身也没什么好保密的,又不涉及个人隐私或是内部机密,基本上都是一问就知道的东西,人事部还算是痛快,明白做“媳妇”的惹不起“婆婆”,也省了丹羽直接冲下去找他们麻烦了-你们是有什么问题要拒不配合调查？我要申请把你们东联列入今年金融厅重点检查对象！ The human affairs personal history succeeds in obtaining smoothly, Kitahara Shuji and Tanba immediately division of labor and cooperation, to comparing to two „suspect” the personal history, discovered that both people have treated in Aichi prefecture Takagi Branch, is around generation of relations, then follow up a clue, discovered in this/should branch existing staff member and promotion staff member in several four years the performance especially good fellow, Tanba is pleasantly surprised immediately gets angry- the possibility of nest case was getting bigger and bigger some people to operate the use massive low-interest loans to seek money in the back, this person of organizational ability was quite strong, convincing, was really a big fish! 人事履历顺利到手,北原秀次和丹羽马上分工合作,又对比起了两个“嫌疑人”的履历,发现两个人都在爱知县高木市分行待过,是前后辈关系,接着顺藤摸瓜,又在该分行现有职员、升迁职员中发现了几个四年内业绩格外好的家伙,顿时丹羽又惊又喜又怒-窝案的可能性越来越大了有人在背后操纵利用大量低息贷款牟利,这人组织能力颇强,同时也令人信服,果然是条大鱼！ Who so long as investigates thoroughly is, oneself merit on the foot, then greeted the large unit to conclude can! 只要查清是谁,自己功劳就足了,然后招呼大部队来收尾便可！ Kitahara Shuji also put together the puzzle gradually completely- lending of sales office can improve the performance, facilitated to be promoted, but can also the sharing benefit advantage, have the additional income, was naturally glad to participate, this made up one point that the opposite party organized. 北原秀次也渐渐把拼图拼完整了-营业部的放贷员可以提升业绩,方便升职,还能分润好处,有额外收入,自然十分乐意参与进去,这又补上了对方组织的一环。 It is not able to loan a factory, bank lending, was kicked the expat who being eliminated income plummets, but at present only misses the back organizer. 无法贷到款的工厂,银行放贷员,被踢出局收入大降的外派员工,而目前只差背后的组织者了。 That four years ago, who divides the trade president in Takagi? This person even is not the big chieftain, that is current most has the suspicion! 那四年前,谁在高木分行当行长呢？这人就算不是大头目,那是当前最有嫌疑的！ Tanba the material is stroking downward, found current most had that person of suspicion- four years ago Takagi Branch president Misawa great Kang! Because is high-performing, before one -and-a-half years, called in the head store to be the fifth sales office minister! 丹羽查着资料往下一捋,找到了当前最有嫌疑的那个人-四年前的高木分行行长三泽宏康！因业绩突出,一年半以前调入了本店任第五营业部部长！ But she turns the head, actually discovered that Kitahara Shuji stroked in another personal name, asked: „You thought that is this person?” 但她转头间,却发现北原秀次捋到了另一个人名上,不由问道:“你觉得是这个人？” She takes seriously the judgment of Kitahara Shuji very much, but the Kitahara Shuji jogging shaking the head, said with a smile: „It is not, is I have the private grudges with this person!” 她很重视北原秀次的判断,但北原秀次轻摇了摇头,笑道:“不是,是我和这个人有私怨！” Shiwei eldest son, four years ago is the business class manager in Takagi Branch, at present is the fifth sales office vice-minister in East Union this section. 大石尾一郎,四年前在高木分行任营业课课长,目前在东联本部任第五营业部副部长。 https:// https:// Please remember this book first round domain name:. Cell phone version reading website: 请记住本书首发域名:。手机版阅读网址: