Collecting honest stories, asking for real people, real stories, or personal experiences!!!!!
1
A customer walked into a car repair shop and claimed to be a driver of a transportation company. "Write more parts on my bill. After I go back to the company to submit the expense account, I'll share in the benefits with you." He said to the shop owner. But the shop owner refused such a request. The customer persisted and said, "My business is not big. I come here often, and I am sure you can make a lot of money!" The shopkeeper told him that he would never do it anyway. The customer shouted angrily: "Anyone would do this. I think you are so stupid." The shopkeeper was angry and asked the customer to leave immediately and discuss this kind of business elsewhere. At this time, the customer smiled and shook hands with admiration. The owner's hand: "I am the owner of that transportation company. I have been looking for a fixed and trustworthy repair shop. Where else do you want me to negotiate this business?"
Interview Don't be tempted by temptation, and don't be confused by it. Although it is as plain as moving clouds and as simple as flowing water, it makes people appreciate a kind of high mountains and deep seas. This is a shining quality - integrity.
A cargo ship is sailing on the vast Atlantic Ocean. A black child doing chores at the stern of the ship accidentally fell into the rolling waves of the Atlantic Ocean. The child shouted for help, but the wind was strong and the waves were rough. No one on the boat heard him. He watched helplessly as the freighter carried the waves farther and farther away...
The child's instinct to survive made him swim in the cold water. He swam desperately, waving his thin arms with all his strength, trying to keep his head out of the water, and staring wide-eyed in the direction of the ship.
The ship got further and further away, and the hull became smaller and smaller. Finally, everything was visible except the endless ocean. The child's strength was almost exhausted and he couldn't swim anymore. He felt like he was going to sink. Give up, he told himself. At this time, he remembered the kind face and friendly eyes of the old captain. No, the captain will definitely come to rescue me when he knows I fall into the sea! Thinking of this, the child mustered up the courage to swim forward with his last strength...
The captain finally discovered that the black child was missing. When he concluded that the child had fallen into the sea, he ordered to return to the sea. try to find. At this time, someone advised: "It has been so long, even if it has not been drowned, it has been eaten by sharks..." The captain hesitated and decided to go back to look for it. Someone else said: "Is it worth it for a black slave child?" The captain shouted: "Shut up!"
Finally, at the last moment when the child was about to sink, the captain arrived and rescued Got a baby.
When the child regained consciousness and knelt on the ground to thank the captain for saving his life, the captain helped the child up and asked: "Child, how can you hold on for so long?"
Child Answer: "I know you will come to save me, you will!"
"How do you know that I will come to save you?"
"Because I know you are like that. "Hearing this, the white-haired captain knelt down in front of the black child, with tears streaming down his face: "Child, it wasn't me who saved you, but you who saved me! Shame on me for my hesitation at that moment..."
It is also a blessing for a person to be believed by others. It is even more happiness for others to think of you when they are in despair and believe that you will save them.
(1)
There is a story: In ancient times, two scholars met on their way to Beijing to take exams and fell in love at first sight. Unfortunately, Scholar A suddenly fell ill, and Scholar B stayed to take care of him. Seeing that the examination period was approaching, Scholar A was worried that Scholar B would miss the examination period and advised him to get on his way as soon as possible. Scholar B refused and said, "It is not the behavior of a gentleman to abandon friends and pursue fame and fortune." So he continued to serve Scholar B in front of his sick bed, serving him soup and water, cooking medicine and feeding him, with every detail. By the time I recover, the exam period has passed. Scholar A was deeply moved and made an appointment to invite Scholar B to his home for next year’s Dragon Boat Festival. Scholar B graciously agreed to see him there. On the fifth day of the fifth month of the next year, Scholar A killed pigs and sheep and prepared a feast, waiting for Scholar B's arrival. However, there was no sign of Scholar B from morning to evening, and he couldn't help but be disappointed. That night, Scholar A suddenly saw Scholar B coming in sweating profusely, and said: "Brother, I'm really sorry. Due to the complicated trivial matters, I forgot the agreement. Suddenly I remembered that it was too late and I couldn't reach my brother anyway. I heard that ghosts travel very fast, so I turned myself into a ghost to see my brother. Fortunately, I arrived as scheduled and did not break the promise."
Scholar A was shocked after hearing this, and then mourned greatly. He thought, his brother is dead, and the yin and yang are separated from each other. What's the point of living? Heartbroken, he committed suicide and forgot about himself, and went to meet Scholar Yi.
The story is false, but also touching. In order to fulfill an agreement - a verbal agreement that has no legal effect for today's people, I would rather give up my life and never break my promise. I can see how sacred the ancients regarded integrity, so sacred that it eclipsed the "omnipotent" money.
(2)
Integrity means dedication, sacrifice, and reward. Sometimes, the rewards are so rich that they cannot be calculated in terms of money.
There is a female accountant in Shenyang City with a college degree, but she was laid off. In order to survive, she started knitting with a group of laid-off female workers, which attracted the attention of the foreign trade department and won them an order from South Korea - knitting woolen hats. The customer kept the price very low, the quality requirements were extremely strict, and the time was very tight. In order to gain credibility and get more and better orders, they would rather suffer a loss than agree to it. However, when they delivered the first batch of goods, the customer changed the drawings, from raw materials to designs and varieties, but the delivery time could not be delayed for a day. This is simply a breach of contract and making things difficult! But the customer is "God", and God is always right. --Do you want to do it? The Korean female boss’s eyes are provocative. They were ruthless and risked their lives to sign the contract! They know how risky this promise is. If not, everyone will go bankrupt! They worked day and night, forgetting food and sleep, working almost to a "crazy" level, and finally completed the order on schedule with quality and quantity. The harsh Korean female boss was moved and bowed to the laid-off female workers. Then, batch after batch of orders came one after another, and their knitting team also expanded again and again, developing into a mighty army of ten thousand people! Tens of thousands of laid-off female workers have opened new doors to employment and have a stable life. Perhaps their economic value can be calculated from the perspective of income generation. However, a huge vulnerable group has changed its appearance overnight and is rekindled. Confidence, reinventing yourself, who knows its social value? And all of this comes from that generous promise to fight against the odds.
(3)
Chi Li is a novelist that readers are very familiar with. The Writers Publishing House signed a contract with it to write the novel "Good morning, Miss". Less than 10 days before the deadline for the manuscript, the computer suddenly failed and the completed manuscript of more than 100,000 words disappeared in an instant. It sat in front of the computer, its mind blank. what to do? Explain the situation to the publisher and try to extend the deadline for submission? It's a special situation. I hope the editor will understand and forgive it. Chi Li didn't do that. Since you promised others, how could you break their promises? Breaking one's word is tantamount to breaking one's integrity and should not be taken lightly. Therefore, he compressed his rest time to the minimum. He would rather be "unkempt" and disheveled than to write the manuscript day and night, and finally completed it on schedule. In just over a week, I lost a lot of weight, and my two hands that typed on the keyboard were almost numb. The publishing house was deeply moved after learning the inside story, and was impressed by Chi Li's trustworthiness and her personality. A well-known writer who is deeply loved by readers does not put on the airs of being a celebrity, but is true to his words and resolute in his deeds. Can his personality charm be valued in terms of money? Of course not.
Leyangzi’s wife: honest, chaste and noble in character
Leyangzi’s wife was a famous virtuous woman in Luoyang during the Han Dynasty. She is honest, kind, knowledgeable and courteous. Although her family is poor, she loves herself very much and never takes other people's things, even those she picked up.
One day, Le Yangzi’s wife went to work in the fields, and only Le Yangzi’s sister was at home. She saw a neighbor's hen running into her vegetable field, so she thought: My sister-in-law treats me like a biological sister and works hard for her brother's studies all day long. She can't eat meat only a few times throughout the year, so why not kill this hen? The chicken is stewed for my sister-in-law to eat and replenish her health. So she caught and killed the hen.
In the evening, Le Yangzi's wife came back from working in the fields. When she saw the chicken in the bowl, she asked: "Sister, we have a lot of chickens at home. Where did this chicken come from?" ?”
Le Yangzi’s sister didn’t dare to bully her sister-in-law, so she answered truthfully.
After hearing this, my sister-in-law said: "Although we are poor, we cannot take other people's things anyway. Think about it, these are also chickens that lay eggs that others have worked hard to raise. How can we eat for free?" What?" Then he went to his chicken fence, caught the biggest hen, sent it to his neighbor's house, and apologized to his neighbor.
Le Yangzi's sister was moved by her sister-in-law's honesty and integrity and not seeking petty gains. Not only did she admit her mistake to her sister-in-law, she also secretly vowed to learn from her sister-in-law and become an honest and upright person in the future. .
Another time, Le Yangzi picked up a piece of gold on the road, so he happily took it home and gave it to his wife. The wife asked: "Where did this gold come from?"
Le Yangzi said: "I picked it up on the road."
The wife said: "This is someone else's thing, we can't "
Le Yangzi argued: "We can't find the owner anyway, so it doesn't matter if we keep it."
The wife said seriously: "What's others' belongs to others, even if it's his own. It was accidentally thrown away, but if you pick it up, you can't just treat it as your own. I heard that ambitious people don't even drink the water from the spring called "Stealing Spring", but honest and honest people don't treat it as their own. You won’t ask for anything. If you keep this piece of gold for the sake of small profits, it is a sign of dishonesty. You get this piece of gold, but you lose your noble character of honesty, integrity and self-discipline.”
Le Yangzi felt very ashamed after hearing this, and threw the gold into the wild.
Later, Le Yangzi went to study abroad. Because he missed his wife, he came home to visit her. Le Yangzi's wife picked up the scissors and cut off the cloth being weaved, and said: "Only by unremitting efforts and continuous weaving can we weave a very long cloth. You always go home, just like cutting the cloth on the loom." Likewise, it is difficult to achieve great things."
Le Yangzi heard about the establishment of Yan Shu's reputation>
Yan Shu, a poet in the Northern Song Dynasty, was known for his honesty. When he was fourteen years old, someone recommended him to the emperor as a child prodigy. The emperor summoned him and asked him to take the exam at the same time as more than a thousand Jinshi. As a result, Yan Shu discovered that the exam was one he had just practiced ten days ago, so he truthfully reported it to Zhenzong and requested that other questions be changed. Song Zhenzong admired Yan Shu's honest character very much and gave him "the same background as a Jinshi". When Yan Shu was in office, the world was at peace. As a result, officials of all sizes in the capital often went to the countryside to play or held various banquets in restaurants and teahouses in the city. Yan Shu's family was poor and he had no money to go out to eat, drink and have fun, so he had to read and write articles at home with his brothers. One day, Zhenzong promoted Yan Shu to the East Palace official who assisted the prince in his studies. The ministers were surprised and didn't understand why Zhenzong made such a decision. Zhenzong said: "Recently, the ministers often go out to play and have banquets. Only Yan Shu studies behind closed doors. He is so self-respecting and prudent that he is a suitable candidate for the East Palace official." After thanking Yan Shu, he said: "I am actually a person who likes to play and have banquets. It's just my family. It's just poverty. If I had money, I would have participated in the banquet." These two things established Yan Shu's credibility in front of the officials, and Song Zhenzong also trusted him more.
During the Spring and Autumn Period and the Warring States Period, Shang Yang of the Qin State presided over the reform with the support of Qin Xiaogong. At that time, when wars were frequent and people were in panic, in order to establish prestige and promote reforms, Shang Yang ordered a three-foot-long log to be erected outside the south gate of the capital, and made a promise in public: Who can move this log to the north gate? The bounty is ten taels. The onlookers didn't believe that such an easy thing could get such a high reward, so no one was willing to give it a try. So Shang Yang increased the reward to 50 gold. There must be a brave man under the heavy reward, and finally someone stood up and carried the wood to the north gate. Shang Yang immediately rewarded him with fifty gold coins. Shang Yang's move established prestige in the hearts of the people, and Shang Yang's subsequent reforms soon spread in the Qin State. The new law made Qin gradually stronger and stronger, and finally unified China.
In the same place where Shang Yang "erected a tree as a sign of trust", 400 years ago, a ridiculous farce of "playing with princes by beacon fire" took place.
King You of Zhou had a favorite concubine named Bao Si. In order to win her smile, King You of Zhou ordered beacon fires to be lit on more than 20 beacon towers near the capital - beacon fires were a signal to alert the border, and were only used by foreign enemies. Invasion can only be ignited when the princes are summoned to rescue. As a result, when the princes saw the beacon fire, they hurried over with their soldiers and generals. After understanding that this was the king's trick to win over his wife, they left angrily. Bao Si finally smiled happily when she saw the helpless appearance of the usually dignified princes. Five years later, Youyi Tairong launched a large-scale attack on the Zhou Dynasty. King You's war was reignited but the princes did not arrive - no one wanted to be fooled a second time. As a result, King You was forced to commit suicide and Bao Si was captured.
An emperor who "stands tall to gain trust" can make promises worth a thousand dollars; an emperor who has no faith plays the game of "crying wolf".
As a result, the former's reform was successful and the country became strong; the latter brought humiliation to himself and the country perished. It can be seen that "faith" plays a very important role in the rise and fall of a country.
<"Yu Ion" records a story about someone who lost his life due to breach of trust>
There was a businessman in Jiyang when his boat sank when he was crossing the river. He grabbed a hemp stalk and shouted loudly: Call for help. A fisherman heard the sound and went there. The businessman hurriedly shouted: "I am the richest man in Jiyang. If you can save me, I will give you 100 taels of gold." After being rescued ashore, the businessman turned his back on him. He only gave the fisherman 10 taels of gold. The fisherman blamed him for not keeping his word and going back on his word. The rich man said, "As a fisherman, you have never made much money in your life. Aren't you satisfied with suddenly getting ten taels of gold?" Ganfu had no choice but to leave in dismay. Unexpectedly, the rich man's boat capsized again. Someone wanted to save him, but Ganfu, who had been deceived by him, said: "He is the one who doesn't keep his words!" So the businessman drowned. It was accidental that the businessman capsized and met the same man twice, but the bad news for the businessman was to be expected. Because if a person does not keep his word, he will lose the trust of others. Therefore, once he is in trouble, no one is willing to come to his rescue. Those who break their trust will have no choice but to sit back and wait for death if they are in trouble.
In the late Qin Dynasty, there was a man named Ji Bu who always kept his word and had a very high reputation. Many people established relationships with him A strong friendship developed. There was even a proverb circulating at that time: "It is better to get Jibu Yinuo than to get a hundred catties of gold." (This is the origin of the idiom "A promise of a thousand catties") Later, he offended Liu Bang, the emperor of the Han Dynasty, and was offered a reward for his arrest. As a result, his old friend not only was not deceived by the huge sum of money, but also risked the destruction of the nine tribes to protect him and save him from disaster. A person who is honest and trustworthy will naturally get a lot of help and can gain everyone's respect and friendship. On the other hand, if you are greedy for temporary comfort or small gains and break your trust with your friends, you will get "benefits" on the surface. But for this benefit, he ruined his reputation, and reputation is much more important than material things. Therefore, breaking trust with a friend is like losing a watermelon and picking up sesame seeds. The gain outweighs the loss.
In the early years, few foreigners set foot in the southern foothills of the Himalayas in Nepal. Later, many Japanese came here for sightseeing. It is said that this was due to the integrity of a young man.
One day, several Japanese photographers asked a local boy to buy beer for them. The boy ran for more than three hours.
The next day, the boy volunteered to buy beer for them again. This time the photographers gave him a lot of money, but the boy had not come back until the afternoon of the third day. As a result, the photographers talked a lot, thinking that the young man had cheated the money away. On the third night, the boy knocked on the photographer's door. It turned out that he only bought 4 bottles of beer in one place, so he climbed over another mountain and crossed a river to buy another 6 bottles. When he returned, he broke 3 bottles. He cried, holding the broken glass, and handed back the change to the photographer. Everyone present was moved. This story moved many foreigners deeply. Later, more and more tourists came here.
In New York's Riverside Park stands the "Civil War Fallen Soldiers Monument", where many tourists come to pay homage to the dead every year. The tomb of General Grant, the 18th president of the United States and commander of the Northern Army during the Civil War, is located in the north of the park. The mausoleum is tall, majestic, solemn and simple. Behind the mausoleum is a large green lawn that stretches to the edge of the park and to the edge of the steep cliff.
Behind General Grant’s mausoleum, closer to the cliff, there is also a child’s mausoleum. It was a very small and ordinary tomb. In any other place, you might ignore its existence. Like most American mausoleums, it has only a small tombstone. On the tombstone and a wooden sign next to it, there is a touching story about integrity:
The story happened in 1797, more than two hundred years ago. This year, when the little owner of this land was only five years old, he accidentally fell from the cliff here and died. His father was so heartbroken that he was buried here and a small mausoleum was built as a memorial. A few years later, the family declined and the old owner had to transfer the land. Out of love for his son, he made a strange request to the future owner of the land. He asked the new owner to regard the child's mausoleum as part of the land and never destroy it. The new owner agreed and wrote this condition into the contract. In this way, the child's tomb was preserved.
A hundred years have passed. I don’t know how many times this land has been sold and resold, and I don’t know how many owners it has changed. The child’s name has long been forgotten by the world, but the child’s mausoleum is still there. It has been completely completed according to one sales contract after another. Preserved without loss. By 1897, this geomantic treasure was selected as the General Grant Cemetery. The government became the owner of the land, and the unknown child's grave remained intact in government hands, becoming a neighbor of General Grant's mausoleum. The tomb of a great history-maker and the tomb of an unknown child next to each other may be a unique wonder in the world.
Another hundred years later, in 1997, in memory of General Grant, the then New York Mayor Giuliani came here. At that time, it happened to be the 100th anniversary of the establishment of General Grant's Mausoleum and the 200th anniversary of the child's death. Mayor Giuliani personally wrote this touching story and engraved it on a wooden plaque to stand beside the Tomb of the Unknown Child. Next to you, let this story about integrity be passed down from generation to generation...
[Story 2] A soldier was very bad at long-distance running, so he quickly fell behind in a cross-country race of the army. A man was running alone. After turning a few turns, we came across a fork in the road. One road was marked for officers to run on; the other road was marked for soldiers to run on. He paused for a moment, and although he was dissatisfied that being an officer even allowed him to participate in cross-country races, he still ran towards the soldier's path. Unexpectedly, when we reached the finish line half an hour later, we were ranked first. He felt incredible, as he had never achieved a ranking, not even finishing in the top 50. However, the officer who presided over the race smiled and congratulated him on his victory.
After a few hours, a large number of people arrived. They were exhausted from running and felt strange when they saw that he had won. But suddenly everyone realized how important it is to be honest and trustworthy at the crossroads.
[Story 3] The story of Zeng Shen killing a pig. Zeng Shen, a famous thinker and scholar in the state of Lu in the late Spring and Autumn Period, was one of the seventy-two sages among Confucius' disciples. He is erudite and talented, and pays great attention to self-cultivation and high moral character. Once, his wife had to go to the market to do errands, and the young children were clamoring to go. Zeng Shen's wife didn't want to take her child there, so she said to him, "You have fun at home, and when mother comes back, I will kill the pigs at home and cook meat for you to eat." After hearing this, the child was very happy and stopped clamoring to go. It's market time. This was meant to coax the children, but Zeng Shen’s wife forgot about it. Unexpectedly, Zeng Shen actually killed a pig at home. When his wife saw Zeng Shen killing the pig, she said, "I just wanted to let the child wait at home with peace of mind, so I said I would kill the pig and roast the meat for him to eat when I came back from the market. How could you take it seriously?" Zeng Shen said: "Children cannot be deceived. Children are young and do not understand worldly affairs. They have to learn from others, especially their parents as role models in life. Today you have deceived your child and soiled his heart. Tomorrow the child will deceive you and deceive. Others: If you break your promise in front of your children today, your children will no longer trust you tomorrow. You see how harmful this is."
I was so moved that I went away to study for seven years and finally finally came home. Achievements in learning.
There is 10,000 yuan, 5 people share it, each person can get 2,000 yuan, no one is poor, no one is rich. If two of them use their 2,000 yuan to do business and each earns another 10,000 yuan, then the total wealth of this society will reach 30,000 yuan. Among them, two rich people own 24,000 yuan, accounting for 80%, and three poor people own 6,000 yuan, accounting for 20%.
In this case, can we say that the three poor people are "poor" because the two rich people are "rich"? cannot. Because the "wealth" of the two rich people comes from the "increment" of social wealth, rather than the "stock" taken from the other three people.
Not only that, while the two rich people created wealth for themselves, they also increased employment opportunities and labor income for the three poor people. In this way, when the total wealth of each of the two rich people reaches 12,000 yuan, the wealth of each of the three poor people may no longer be 2,000 yuan, but 3,000 yuan or 5,000 yuan.
A poor young man in France finally became a media tycoon after ten years of hard work and became one of the 50 richest people in France.
When he died in 1998, he published his will in a local newspaper, saying: I was once a poor person, and anyone who knows "what the poor lack most" will be rewarded with 1 million francs. Almost 20,000 people rushed to send in their answers. The answers vary. Most people believe that what poor people lack most is money. Others believe that what the poor lack most is opportunities and skills... But no one answered correctly. A year later, his lawyer disclosed the answer: "What the poor lack most is the ambition to become rich!"
This answer shocked Europe and the United States, and almost all the rich recognized it and said it The key to becoming rich yourself. The "ambition" mentioned here, to be precise, should be the "ambition" we often talk about. It is difficult for us to imagine what miracles a person with low ambitions, a person without lofty goals, and a person without even a blueprint can create.
Usually, the more negative thoughts about why rich people become rich are that they are lucky or engaged in unfair industries; the more positive thoughts are that they work harder or are diligent and frugal. But I never expected that the real reason lies in their different financial management habits. The prerequisite for getting rich by investing is to invest your assets in investments with high rates of return. Storing it in the bank is a waste of time and resources.
When I was a kid, I bought a stick of adzuki bean ice cream for 5 cents. Now the cheapest ice cream costs one yuan. In the past 20 years, the price of "same grade" ice cream has increased 20 times. If you deposit this money in a bank and require it to keep its purchasing power unchanged, the bank's annual simple interest is required to be about 100%. Which bank has such an interest?
Poor people’s money is not capital. A person bought 50 pairs of slippers for 100 yuan, and then took them to a street stall and sold each pair for 3 yuan, or 150 yuan a day. Another man was very poor and received a living allowance of 100 yuan from the Social Welfare Bureau every month. He spent all of it on rice, oil and salt. In another way, give the poor 200 yuan every month, so that he can use the remaining 100 yuan to start a business of selling slippers, and he will have 150 yuan in one month; give him 200 yuan next month, and he can use 250 yuan. Come and buy and sell slippers, and you can earn another 125 yuan; by the third month, the poor man already has 375 yuan in his hand, excluding 100 yuan of living expenses, and 275 yuan of capital. You don't need to give him any more relief...
But in fact, many poor people will not follow the path you have arranged for them. If you give him 100 yuan, he will buy rice; if you give him 200 yuan, he will buy wine and meat; if you give him 500 yuan, he will buy good clothes. In the end, he will only have 10 yuan left to buy a few lottery tickets. Even if you give him 1 million yuan, he will immediately turn the money into a house and a car, and go for a drive in glory, so that everyone will know that he is no longer poor... Poor people not only have no capital, but what is even more sad is that No sense of capital. There was a poor man, and a rich man took pity on him and wanted to help him get rich. The rich man gave him a cow and told him to clear up wasteland and sow the seeds in the spring, so that he could escape poverty in the autumn. The poor began to struggle with hope. But within a few days, cattle had to graze and people had to eat, and life became more difficult than before. So he thought, it would be better to sell the cows, buy some sheep, kill one to eat first, and the rest can give birth to lambs, and when they grow up, they can be sold for more money.
The poor man’s plan came true. But after eating one sheep, the lamb was not born yet, and life became difficult again, so he couldn't help but eat another one. The poor people thought that if this situation could not continue, it would be better to sell the sheep and buy some chickens. The chickens would lay eggs faster and their life would get better immediately.
The poor man’s plan came true again, but his life has not changed. When times were tough, he couldn't help but kill the chickens. When he finally killed only one chicken, the ideal of the poor completely collapsed. I thought to myself that there was no hope of getting rich, so I might as well sell the chickens, make a pot of wine, and get drunk to relieve all my worries.
Spring came, and the rich happily brought seeds, only to find the poor lying drunk on the ground, still penniless. The rich turned around and left, and the poor continued to be poor.
Many poor people have had dreams, even opportunities, and actions, but in the end they failed to persist.
The price of dishonesty
I borrowed 290,000 yuan from the bank and failed to repay it 19 years ago
After 19 years, I repaid more than 1.5 million yuan with interest
This newspaper reported (Reporter Zhang Xiaomin, Correspondent Ma Xin) 19 years ago, a cultural and educational office supplies factory borrowed 350,000 yuan from the bank twice. After returning 60,000 yuan, there was still a principal of 290,000 yuan. Not returned.
When they were taken to court by their creditors, they learned the huge price they had to pay for not repaying on time. A few days ago, the Tianjin Dongli District People's Court ruled in the first instance that the defendant returned more than 1.5 million yuan to creditors with interest.
19 years ago, Tianjin Ruicheng Cultural and Educational Office Supplies Factory signed two loan contracts with China Construction Bank, one for a loan of 200,000 yuan, and the other for a loan of 150,000 yuan, and were signed by Tianjin Erqing Group (Holdings) Co., Ltd. provides guarantee. After the loan period expired, Ruicheng Cultural and Educational Office Supplies Factory only returned the bank principal of 60,000 yuan, and 290,000 yuan has not been returned.
In November 1999, China Construction Bank transferred all the principal and interest of its claims against Ruicheng Cultural and Educational Office Supplies Factory to the Tianjin Office of China Cinda Asset Management Company (hereinafter referred to as Cinda Company). At this point, Cinda Company replaced the bank's creditor status and became a new creditor. In order to realize its creditor's rights, Cinda Company took Ruicheng Cultural and Educational Office Supplies Factory and the guarantor Erqing Group to court in August this year, requiring Ruicheng Cultural and Educational Office Supplies Factory to repay the loan principal of 290,000 yuan and the loan amount as of December 2005. The interest on the 30th of March was more than 1.2 million yuan and all the interest until the actual payment date; Erqing Group was required to assume joint and several liability for the loan principal and interest.
Replay of the case
Two unpaid debts for 19 years
Our reporter Zhang Xiaomin
December 27, 1987, China The Fourth Branch of China Construction Bank in Tianjin signed a loan contract with Tianjin Stapler Factory and Tianjin Cultural, Educational and Sporting Goods Industrial Company. Tianjin Stapler Factory borrowed 200,000 yuan from the bank, and the loan period was from September 1987 to 1991. In December of this year, Tianjin Cultural, Educational and Sporting Goods Industrial Company provided a guarantee. However, after the loan period expired, the borrower only repaid the bank principal of 60,000 yuan, and still owed the loan principal of 140,000 yuan. In September 1988, the Hebei Branch of the Tianjin Branch of China Construction Bank signed a loan contract with the Tianjin Stapler Factory and the Cultural, Educational and Sporting Goods Industry Management Office of the Tianjin Second Light Industry Bureau. The Tianjin Stapler Factory borrowed 15% from the bank. Ten thousand yuan, the loan period is from September 16, 1988 to December 31, 1991, Tianjin Second Light Industry Bureau Stationery and Educational Supplies Industry Management Office serves as the guarantor. After the loan expired, Tianjin Stapler Factory still failed to fulfill its repayment obligations.
In March 1988, the Fourth Branch of China Construction Bank in Tianjin was changed to the Hebei Branch of China Construction Bank Tianjin Branch. In March 1998, Tianjin Stapler Factory and Tianjin Cultural and Educational Supplies Factory No. 6 merged to form Tianjin Ruicheng Cultural and Educational Office Supplies Factory. Later, Tianjin Cultural, Educational and Sporting Goods Industrial Company was restructured into Tianjin Erqing Group (Holdings) Co., Ltd.
On November 3, 1999, China Construction Bank Tianjin Branch Hebei Branch signed a creditor's rights transfer contract with the Tianjin Office of China Cinda Asset Management Company, agreeing on the bank's loan creditor's rights to Ruicheng Cultural and Educational Office Supplies Factory The principal of RMB 290,000 and the on-balance sheet interest receivable of more than RMB 49,000 as of September 20, 1999 were transferred to the Tianjin office of China Cinda Asset Management Company, and a list of transferred claims was noted. At this point, the Tianjin office of China Cinda Asset Management Company replaced the creditor status of the bank and became the new creditor.
In the credit transfer list, there are two loan contracts recorded, with a principal of 290,000 yuan, interest receivable of more than 49,000 yuan, and collection interest of more than 590,000 yuan. After receiving the transfer notice from the bank, Ruicheng Cultural and Educational Office Supplies Factory confirmed the relevant information stated in the transfer notice and signed and stamped the transfer notice.
On November 21, 2000, China Construction Bank and China Cinda Asset Management Company jointly issued a notice to transfer all off-balance sheet interest receivable corresponding to the non-performing loans divested by CCB to Cinda Company. The determination of the transfer amount, transfer method and transfer progress are all explained in detail.
Before the signing of the creditor's rights transfer agreement, on April 20, 1999, the bank collected the loan principal and interest from Ruicheng Cultural and Educational Office Supplies Factory on April 20, 1999. After the creditor's rights transfer agreement was signed, Cinda Company also made two collections on June 20, 2001 and June 16, 2005, and published debt collection announcements in the media twice. The collection interest recorded in the two collection notices was both more than 640,000 yuan, and Ruicheng Cultural and Educational Office Supplies Factory stamped the collection notices to confirm.
In addition to the interest determined in the transfer agreement, transfer notice and transfer, as of December 20, 2005, the interest on the above-mentioned loan was nearly 520,000 yuan.
On November 4, 2002, Cinda Company sent the Guaranteed Debt Collection Notice to Tianjin Erqing Group (Holdings) Co., Ltd. through the notary department. Without a signature, the letter The company delivered the goods by mail two years later.
The parties said
Xinda Company: Repaid 1.5 million yuan with interest
Ruicheng Culture and Education: The high interest is inconsistent with the transfer agreement Compliant
Erqing Group: The warranty period has expired and the warranty liability should be exempted
Our reporter Zhang Xiaomin
The Tianjin office of the plaintiff China Cinda Asset Management Company stated that, The defendant borrowed 350,000 yuan twice, and a total of 290,000 yuan has not been repaid so far. After replacing the bank's creditor status and becoming a new creditor, the plaintiff repeatedly pressed for payment through various methods, but none of them worked, so he had no choice but to file a lawsuit. After the creditor's rights transfer agreement was signed, the plaintiff made two collections and published a debt collection announcement. The collection interest recorded in the two collection notices was more than 640,000 yuan, not more than 49,000 yuan. Ruicheng Cultural and Educational Office Supplies Factory stamped the collection notices to confirm.
The defendant Tianjin Ruicheng Cultural and Educational Office Supplies Factory has no objection to the principal and basic facts claimed in the plaintiff’s complaint, but it has different opinions on the interest claimed by the plaintiff. They said that November 3, 1999