It seems unlikely.
It is true that the two of them had their share of unpleasant experiences.
But that's all because of work. At least in Li Ji's heart, there was no personal grudge. If it's because of such a trivial matter, don't worry about it and retaliate, then Cui Hao is really a coward and not worthy of being a leader.
Moreover, since Cui Hao came to the credit department, Li Ji has always respected him, and on the surface he is even more harmonious. Outsiders can't tell there is anything wrong between the two.
Besides, everyone in the industry knows about the relationship between Li Ji and Wan Cheng. Cui Hao probably wouldn't go too far if he didn't look at the monk's face but the Buddha's face. Moreover, Li Ji knew that Cui Hao and Wan Cheng had become very close in the past two years and had become brothers.
Li Ji was busy with work, and Wan Cheng asked him to do something. He also had a business-like attitude, neither giving in nor being accommodating on major principles. As time passed, Wan Cheng became a little unhappy, and his visits to Li Ji gradually became less and less.
After Cui Hao came to the credit department, he somehow got involved with Wan Cheng. The two got closer and closer, and their interactions became closer and more frequent. In contrast, Wan Cheng seemed somewhat alienated from Li Ji.
Marriott Group is a big customer in the industry and a VIP, so Cui Hao's approach is beyond reproach.
But what Li Ji couldn't figure out was where did this guarantee document come from? From whom? Why make yourself a guarantor? He stamped his personal seal without letting himself know beforehand.
Li Ji thought about it, biting half of the fried dough stick in his mouth and forgetting to chew it.
"Dingle! Dingle! Dingle!"
The cell phone on the table rang. Li Ji was stunned and hurriedly grabbed him. When I saw it, it was Liao Ying and I hurriedly answered the call.
"Are you feeling better? Have you had breakfast?"
"I, okay, it's okay..." Li Ji swallowed half of the fried dough stick.
"Well, that's good." Liao Ying's voice was soft, "I'm going to class."
"Um, um..." Li Ji was choked so much that his throat rolled up. He hummed twice, but Liao Ying had already hung up the phone.
There were footsteps and voices in the courtyard, and people began to come to work. Li Ji quickly drank the remaining half bowl of soy milk in one go, wiped his mouth, picked up his briefcase, and went downstairs.
When I came to the office, I found that Xiao Zhu had already arrived. Xiao Zhu is an account manager and has been following Li Jiqian. Seeing the dark circles under Li Ji's eyes, he asked, "Tou, are you okay?"
"It's okay, maybe I didn't sleep well last night."
"No way, are you scared by the treat?" Xiao Zhu said with a bad smile, "Why else would you have just escaped yesterday after it was over?"
"Go away!" Li Ji took a sip, "Today's noon at Shanxi Ramen Restaurant, if you don't eat five bowls, I won't let you out!"
"Tou, please don't scare me," Xiao Zhu stuck out his tongue, "I really vomited the ramen."
"Haha!" Li Ji laughed and seemed to be in a much better mood.
Li Ji sat down at his desk, thought for a moment, and picked up the intercom phone: "Xiao Zhang, please send over the credit file for the Marriott Group's working capital loan, all of it!"
Ten minutes later, account manager Xiao Zhang stood in front of Li Ji holding the credit file.
"Put it here." Li Ji took the file box, opened it, and started reading page by page.
"What? Is there anything else?" After reading a few pages, Li Ji looked up and saw Xiao Zhang still standing there. Li Ji was a little surprised.
"I, I... Li... Mr. Li..." Xiao Zhang huffed and didn't say a word for a long time.
Li Ji was surprised.
This Xiao Zhang is usually very sharp-tongued. People in the industry say that if he talks about cross talk, he will be no worse than Mr. Feng Gong. But at this moment, Xiao Zhang's face turned red, like an old hen having difficulty laying eggs.
"What's wrong with you?" Li Ji put down the file in his hand and looked at Xiao Zhang, wondering, "Just say what you have to say, what's the point of being embarrassed?"
"Mr. Li, I am also responsible for other people's jobs. There is nothing I can do about it." Xiao Zhang took a deep breath and his face gradually calmed down.
"Huh?" Li Ji was stunned and couldn't help staring into Xiao Zhang's eyes.
"That business was handled by Mr. Cui, I..." At this time, footsteps sounded in the corridor, and Xiao Zhang stopped immediately.
"Mr. Li, I, I'm going back first." After Xiao Zhang finished speaking, he turned around and left in a hurry.
Looking at Xiao Zhang's leaving back, Li Ji was silent for a long time, as if he understood something, but also seemed to understand nothing.
"Xiao Zhang, did you take the wrong medicine today?" Xiao Zhu looked at Li Ji and shook his head, "Why are you talking so cluelessly?"
Li Ji tilted his head and didn't say anything. He just smiled faintly, turned around, and continued to look at the credit information.
After reading more than a dozen pages, Li Ji suddenly stopped. After staring at the quartz clock on the wall for a while, he dialed the number of Wan Cheng's sister Wan Min.
The call went through, and there was a slight sob on the receiver.
"Wan Min, I am Li Ji."
"Li Ji..." There was obviously a cry in his voice.
"I just found out about Brother Cheng. It's so unexpected..." Li Ji said softly, his eyes burning a little.
Wan Min didn't answer, still sobbing quietly.
"Take care of yourself and take good care of Mr. Wan..." Li Ji's voice choked up, "I'll go see you later..."
"It's been quite chaotic at home these days with people coming and going. You, you'd better come back in a few days..." The cries continued intermittently.
"Okay, I understand. My condolences and take care of yourself." After Wan Min hung up the phone, Li Jicai put down the phone; he let out a long sigh, paused, and continued to look at the credit file.
The files are all normal credit information, nothing special can be seen.
The "purpose of borrowing" item in the loan contract is generally filled in with "used for the daily operating turnover of the enterprise."
The post-loan inspection report also contains some routine content. In addition to some basic financial information, the flow of loans and specific uses of funds were briefly reviewed.
Li Ji couldn't help but shake his head.
A large loan worth hundreds of millions was not transferred first to Marriott Group's deposit account in our bank. Instead, it was directly transferred from our bank's loan account to Marriott's deposit account in another bank.
The 100 million funds were handed over to the Marriott Group and allowed to be used at its own discretion. The lending bank had no control at all.
Li Ji organized the credit information and put it back in the file box. He took the loan guarantee document and read it carefully every word.
The prohibition against bank employees providing guarantees to customers in their personal names is new and did not exist when this guarantee document was signed.
There is nothing wrong with the file itself, it is a common version for this bank.
The personal seal affixed to the guarantor's signature place is his/her own, truly authentic.
The copy of the ID card is also not fake.
But I just don’t remember signing this document. Is it because I’m confused and forgetful?
But the loan guarantee was such a big thing, and it was a huge amount of 100 million. How could I forget it?
That's a big joke, unless you have amnesia or become a fool.
Li Ji read the guarantee document twice more and found that the guarantee was not from the beginning of the loan, but was added later.
Li Ji's face became solemn. Additional guarantee? If there is an additional guarantee, he should remember it.
After thinking silently for a long time, Li Ji suddenly discovered a problem. He was unable to attend the two review meetings before the loan was submitted to the municipal loan review meeting.
Either he was on a business trip, or he was sent by Cui Hao to collect loans and interest.
Is this a coincidence or intentional arrangement?
Li Ji suddenly trembled, and cold sweat broke out on his forehead.
He recalled the words of the short old gentleman with thick eyebrows and flat head, a slim face and a mustache in a long robe, who liked to engage in "civil wars" with others, "I have never been afraid to assume the worst ill will about the Chinese people."
Staring at the guarantee document, the seals and words were dancing in front of my eyes, and I suddenly felt a chill in my body.
After a while, Li Jicai put down the personal guarantee document and took out the mortgage contract from the credit file and read it several times.
For this working capital loan, Marriott Group used the land use rights of a subsidiary company as collateral. The valuation is 1.8 billion, which can fully cover the principal and interest of the loan.
Li Ji's frown gradually relaxed. The worst outcome would be to directly go through the judicial process and apply for a judicial auction of the land owned by the Marriott Group. The proceeds from the auction would be used to pay off the loan.
Li Ji packed up the information and put it back into the file box. He took a long breath and felt much more at ease.
Just as he was about to take a drink of water, there was a knock on the door.
Xiao Zhang walked in.
Xiao Zhang had returned to his normal state and walked to Li Ji's desk with a calm look on his face: "Mr. Li, Mr. Cui invites you to come."
