Collect honest stories and seek truth from people or personal experiences! ! ! ! !

A customer walked into an auto repair shop and claimed to be the driver of the transportation company. "Write more parts on my bill. After I go back to the company for reimbursement, you will have benefits. " He said to the shopkeeper. But the owner refused such a request. The customer pestered and said, "My business is not small. I will come here often. You can definitely make a lot of money! " "The shopkeeper told him that this could never be done. The customer shouted angrily, "Anyone can do this. I think you are too stupid. " The shopkeeper was angry. He asked the client to leave immediately and talk about it elsewhere. At this time, the customer smiled and shook the owner's hand admiringly: "I am the boss of that transportation company. I've been looking for a fixed and reliable repair shop. Where else can you let me talk about this business? "

In the face of temptation, I don't feel heartbroken and confused about it. Although it is as plain as a cloud and as simple as running water, it makes people appreciate a kind of high mountain and deep sea. This is a shining character-honesty.

A cargo ship is sailing in the smoky Atlantic Ocean. A black boy doing chores at the stern accidentally fell into the rough Atlantic Ocean. The child shouted for help, but the wind and waves were so urgent that no one on board heard him. He watched helplessly as the cargo ship went farther and farther with the waves. ...

The instinct of survival made the child swim desperately in the cold water. He waved his thin arms with all his strength, trying to keep his head out of the water and staring at the direction of the ship.

The farther away the ship is, the smaller the hull is. In the end, everything was visible, leaving only the endless Wang Yang. The child is exhausted and can't swim any more. He felt that he was going to sink. Give up, he said to himself. At this time, he remembered the kind face and friendly eyes of the old captain. No, the captain knows I fell into the sea, and he will come to save me! Thinking of this, the child summoned up the courage to use his life, and his last strength swam forward again. ...

The captain finally found that the black child was missing. When he concluded that the child had fallen into the sea, he ordered to go back and look for it. At this time, someone advised, "After such a long time, even if I didn't drown, I was eaten by a shark ..." The captain hesitated and decided to go back and look for it. Others said, "Is it worth being a slave's child?" The captain shouted, "Shut up!"

Finally, at the last moment when the child was about to sink, the captain arrived and saved the child.

When the child woke up and knelt on the ground to thank the captain for saving his life, the captain helped the child up and asked, "Son, how can you persist for so long?"

The child replied, "I know you will come to save me, and you will!" " "

"How did you know I would come to save you?"

"Because I know who you are!"

Hearing this, Captain White-haired sat down in front of Hei Hai and burst into tears: "Son, I didn't save you, you saved me!" I was ashamed of my hesitation at that time ... "

It is also a kind of happiness that a person can be trusted by others. It is a kind of happiness to think of you when others are desperate and believe that you will save them.

( 1)

There is a story: in ancient times, two scholars met on the way to Beijing to catch the exam and hit it off at once. Unfortunately, Scholar A suddenly fell ill, and Scholar B stayed to take care of him. Seeing that the examination period is approaching, Scholar A is worried that Scholar B will miss the examination period and advises him to hurry on his way. Scholar B refused and said, "It is not a gentleman's behavior to abandon friends and pursue fame and profit." So, he continued to wait on scholar B in front of his sickbed, serving soup and water, decocting medicine and feeding rice, in every possible way. By the time he recovered, the examination period had passed. Scholar A was deeply moved and invited Scholar B to get together at home next Dragon Boat Festival. Scholar B generously promised to be there or be square. On the fifth day of May of the following year, Scholar A slaughtered pigs and sheep and prepared a feast for the arrival of Scholar B. However, to my disappointment, I didn't see any sign of Scholar B from morning till night. That night, scholar A suddenly saw scholar B sweating profusely and said, "Brother, I'm really sorry. I forgot the appointment because of trivial matters, and suddenly I remembered it too late. Anyway, I couldn't catch up with my brother." I heard that ghosts travel very fast, so I turned myself into a ghost to meet my brother. Fortunately, I arrived as scheduled and didn't break my word. "A scholar got a fright, and then he got scared, thinking that his brother was dead, and since then, Yin and Yang are separated, what's the point of living? When my heart was crossed, I also committed suicide and forgot myself, and I was with scholar B.

The story is illusory, but it is also very touching. In order to practice an agreement-an oral agreement that has no legal effect on today's people, I would rather give up my life than break my word, and see how sacred the ancients regarded honesty, which eclipsed the omnipotent money.

(2)

Honesty means giving, sacrificing and returning. Sometimes, generous returns can't be calculated by money.

There is a female accountant in Shenyang with a college degree, but she was laid off. In order to survive, she and a group of laid-off women workers started knitting, which attracted the attention of the Ministry of Foreign Trade and won them a Korean order-knitting wool hats. Customers keep prices low, quality requirements are extremely strict, and time is tight. In order to win credibility and get more and better orders, they would rather suffer than agree. However, when they delivered the first batch of goods, the customer changed the drawings, from raw materials to varieties, but the delivery time could not be delayed by one day. This is simply a breach of contract, and it is very difficult! But the customer is "God" and God is always right. -Are you doing it or not? The eyes of Korean female bosses are all provocative. They are ruthless, throwing caution to the wind and signing the contract! They know how risky this commitment is. Maybe everyone will lose everything! They worked day and night, forgot to eat and sleep, almost to the extent of "madness", and finally completed the order with good quality and quantity as scheduled. The harsh Korean female boss was moved and bowed to the laid-off female workers. Then, orders came one after another, and their knitting team expanded again and again and developed into an army of ten thousand people! Tens of thousands of laid-off women workers have opened new employment doors and settled down. Perhaps, their economic value can be calculated from the perspective of income generation. However, a huge vulnerable group changed its face overnight, rekindled its confidence and rebuilt itself. Who can figure out its social value? And all this comes from the generous promise of the last stop.

(3)

Chi Li is a novelist familiar to readers. The Writers Publishing House signed a contract with it to create the novel Good Morning, Miss. Less than 10 days before the delivery date, the computer suddenly broke down, and the completed 65438+ million-word manuscript was swept away instantly. He sat in front of the computer, and his mind was blank. What should we do to explain the situation to the publishing house and try to delay the deadline for submission? Special circumstances, expect the editor to understand and understand. Chi Li didn't do that. Since you promised others, how can you break your word? Breaking a promise is no different from breaking a promise, so we should not underestimate it. As a result, it reduced the rest time to the maximum extent, preferring to be "unkempt" and unkempt, but also rushing to write the manuscript day and night, just as scheduled. In just over a week, people lost a circle, and both hands knocking on the keyboard were almost numb. After learning the inside story, the publishing house was deeply moved. What is more important is Chi Li's trustworthiness and her character. A famous writer who is deeply loved by readers does not put on airs and become a celebrity, but keeps his word. Can his personality charm be measured by money? Of course not.

Le Yangzi's wife: honest, sober and virtuous.

Le Yangzi's wife was a famous virtuous wife in Luoyang in Han Dynasty. She is honest, kind, knowledgeable and polite. Although her family is poor, she loves herself very much. She never takes anything from others, even what she finds.

One day, Yueyangzi's wife went to work in other places, and only Yueyangzi's sister was at home. When she saw the neighbor's hen running into her vegetable field, she thought, Sister-in-law regards me as her sister, and works hard for her brother's studies all day, and she can't eat meat several times a year. It's better to kill this chicken and stew it for her to eat and mend her body. So she caught the hen and killed it.

In the evening, Le Yangzi's wife came back from working in the field and saw the chicken in the bowl. She asked, "Sister, we have many chickens at home. Where did this chicken come from? "

Sister Le Yangzi dared not bully her sister-in-law and answered truthfully.

Hearing this, my sister-in-law said, "Although we are poor, we can't take other people's things in any case. Think about it, this is also a chicken that people have worked hard to raise. How can I eat for free? " Then he caught the biggest hen in his own chicken pen and sent it to his neighbor's house to apologize to him.

Le Yangzi's sister was moved by her sister-in-law's honesty and kindness, and she didn't covet petty advantages. She not only admitted her mistake, but also secretly vowed in her heart that she would learn from her sister-in-law and be an honest and upright person in the future.

On another occasion, Le Yangzi found a piece of gold on the road and 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 business. We can't have it. "

Le Yangzi argued: "I can't find the owner anyway, so it doesn't matter if I stay."

The wife said seriously, "what others have is what others have." Even if they accidentally throw it away, you can't keep it for yourself. It is said that ambitious people don't even drink the spring water, which is called "stealing the spring", and honest people don't want it. It is dishonest to leave this piece of gold for petty gain. You got this gold, but you lost the noble character of honesty, integrity and self-discipline. "

Le Yangzi felt ashamed and threw the gold into the wild.

Later, Le Yangzi went to other places to study, and went home to visit his wife halfway because he missed his wife. Le Yangzi's wife picked up scissors to cut the cloth she was knitting and said, "Only by persistent efforts can she weave a long cloth. You always go home, just like cutting cloth on a loom, it is difficult to achieve great things. "

Le Yangzi listens to the establishment of Yan Shu's reputation >

Yan Shu, a poet in the Northern Song Dynasty, is famous for his honesty. At the age of fourteen, he was recommended to the emperor and became a child prodigy. The emperor summoned him and asked him to take the exam at the same time with more than 1000 Jinshi. As a result, Yan Shu found that she had just practiced the exam ten days ago, so she truthfully reported to Zhenzong and asked to change other topics. Song Zhenzong appreciated Yan Shu's honesty very much and named him "fellow scholar". When Yan Shu takes office, the world is at peace. Therefore, Beijing officials, large and small, often go to the suburbs or hold various banquets in restaurants and teahouses in the city. Yan Shu was poor and had no money to go out to eat, drink and have fun, so she had to read and write articles with her brothers at home. One day, Zhenzong promoted Yan Shu as the official of the East Palace who assisted the prince in his studies. Ministers were surprised and didn't understand why Zhenzong made such a decision. Zhenzong said, "Recently, the ministers often play and have banquets. Only Yan Shu studies behind closed doors, so she is cautious in self-esteem and is the best candidate for the East Palace official. " Yan Shu thanked him and said, "I am actually a person who likes to play and eat, but my family is poor." If I had money, I would have taken part in the banquet tour. " These two things made Yan Shu establish prestige in front of ministers, and Song Zhenzong trusted him more.

& lt Comparison of Different Stages between Building a Tree for Faith and Bonfire Party

During the Spring and Autumn Period and the Warring States Period, Qin Shangyang presided over the political reform with the support of Qin Xiaogong. At that time, at a time of frequent wars and panic, in order to establish prestige and promote reform, Shang Yang ordered a 30-foot-long wood to be erected outside the south gate of the capital, and made a promise in public: whoever can move this wood to the north gate will be rewarded with twelve taels of silver. None of the onlookers believe that such an easy thing can get such a high reward, so no one is willing to try. So Shang Yang raised the reward to 50 gold. Under the four rewards, there must be brave people. Finally someone stepped forward and carried the wood to the north gate. Shang Yang immediately rewarded him with fifty gold. Shang Yang's move established prestige in the hearts of the people, and Shang Yang's next reform was quickly popularized in Qin State. The new law made the State of Qin stronger and eventually unified China.

It was also in the place where Shang Yang "established a tree as a letter" that a ridiculous farce of "playing a vassal in a bonfire" was staged 400 years ago.

There is a favorite princess in Zhou Youwang, whose name is Bos. In order to win her smile, Zhou Youwang ordered more than 20 beacon towers near the capital to light bonfires-bonfires are a signal of border warning, which can only be lit when foreign enemies invade and need to call the princes for help. As a result, as soon as the princes saw the bonfire, they led the soldiers to arrive in a hurry, realized that it was a trick set by the king to smile at his wife, and then left angrily. I finally smiled happily when I saw the usually prestigious princes at a loss. Five years later, another large-scale attack on Zhou, the bonfire of Youwang was rekindled, but the ministers were late-no one wanted to be fooled again. As a result, you Wang was forced to commit suicide and was praised and captured.

A "stand up and win the trust" promises 1000 yuan; An emperor didn't believe it and played the game of "wolf coming". As a result, the former succeeded in political reform and the country was strong; The latter, who brought shame on himself, died. It can be seen that "belief" plays a very important role in the rise and fall of a country.

< Li Yu Yang recorded a story that he lost his life because he broke his promise >;

A businessman in Jiyang sank while crossing the river. He grabbed a hemp pole and shouted for help. A fisherman heard the sound. The businessman quickly shouted: "I am the richest man in Jiyang. If you can save me, I will give you 100 two gold. " . After being rescued ashore, the businessman turned his face and refused to admit it. He only gave the fisherman 10 two gold. The fisherman accused him of breaking his word and going back on his word. The rich man said, "You are a fisherman. I can't make much money in my life. Is it not enough to suddenly get twelve taels of gold? " My husband must be very unhappy. Unexpectedly, the rich man capsized in the same place again. Someone tried to save him, and the person he cheated said, "He is a man of his word!" " "So the merchant drowned. It is accidental that the businessman capsized twice and met the same husband, but it is expected that the businessman will not be rewarded. Because if a person does not keep his word, he will lose the trust of others. So, once he is in trouble, no one wants to rescue him. Those who break their promises to others, once in trouble, have to sit still.

& lt lyu3 bu4' s "a promise as good as a promise" saved his life >

At the end of the Qin Dynasty, there was a man named Ji Bu. He kept his word and had a very high reputation. Many people have established a strong friendship with him. At that time, there was even a proverb: "It is better to get a hundred pounds of gold than to keep a promise." (This is the origin of the idiom "A promise is as good as a gold") Later, he offended Liu Bang, the Emperor Gaozu, and was offered a reward for his capture. As a result, his old friends not only were not confused by the heavy money, but also risked the extinction of Jiuzu to protect him from disaster. A person who is honest and trustworthy will naturally get a lot of help and gain everyone's respect and friendship. On the other hand, if you covet temporary comfort or petty advantages and lose trust in your friends, you will get "benefits" on the surface. But for this benefit, he ruined his reputation, which is much more important than material things. Therefore, breaking a promise to a friend is tantamount to losing a watermelon and picking up sesame seeds, which is not worth the loss.

In the early years, few foreigners set foot in the southern foothills of the Himalayas in Nepal. Later, many Japanese people came here for sightseeing, which is said to be because of the honesty of a teenager.

One day, several Japanese photographers invited a local teenager to buy beer, and the teenager ran for more than three hours.

The next day, the boy offered to buy them beer. The photographers gave him a lot of money this time, but the boy didn't come back until the afternoon of the third day. As a result, photographers talked about it and thought that the boy cheated the money away. On the third night, the boy knocked on the photographer's door. It turned out that he only bought four bottles of beer in one place, so he climbed a mountain, crossed a river, bought six more bottles, and broke three bottles when he came back. He took the broken glass in tears and returned the change to the photographer. All the people present were moved. This story deeply touched many foreigners. Later, more and more tourists came here.

In the riverside park in new york, there is a monument to the soldiers killed in the Civil War, and many tourists come to pay homage to the dead every year. General Grant's grave is located in the north of the park. He was the 18 th president of the United States and the commander-in-chief of the Union Army during the Civil War. The mausoleum is tall, majestic, solemn and simple. There is a large green lawn behind the mausoleum, which extends to the boundary of the park and the edge of the steep cliff.

Behind General Grant's mausoleum, closer to the cliff, there is also a children's mausoleum. This is a tiny and ordinary grave, and you may ignore it anywhere else. Like most American graves, it has only a small tombstone. On the tombstone and nearby're signs, there is a touching story about honesty:

The story happened on 1797 more than 200 years ago. This year, when the little owner of this land was five years old, he accidentally fell off the cliff here and died. His father was heartbroken and buried him here and built such a small mausoleum as a souvenir. A few years later, the family wealth declined and the old owner had to transfer the land. Out of love for his son, he made a strange request to the future landowner. He asked the new owner to take the child's mausoleum as a 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 mausoleum was preserved.

Times have changed, and a hundred years have passed. I don't know how many times this land has been sold or how many owners have changed. The child's name has long been forgotten by the world, but the child's tomb is still there. According to one sales contract after another, it was completely preserved. 1897, this land of geomantic omen was chosen as the cemetery of General Grant. The government became the owner of this land, and the tomb of the Unknown Son was preserved intact in the hands of the government and became the neighbor of Grant General Cemetery. The grave adjacent to the grave of a great historical creator and the grave of an unknown child may be a unique miracle in the world.

One hundred years later, 1997, in memory of General Grant, Giuliani, then mayor of new york, came here. It happened to be the centenary of the establishment of General Grant's mausoleum and the bicentennial of the child's death. Mayor Giuliani personally wrote this touching story and carved it on the wooden sign, standing next to the tomb of nobody, so that this honest story can be passed down from generation to generation. ...

[Story 2] A soldier was not good at long-distance running, so he soon fell far behind in an army cross-country race and ran alone. After several turns, I met a fork in the road, a road marked by an officer; The other road is marked as the path for soldiers to run. He paused. Although he was dissatisfied that being an officer was even cheaper than cross-country races, he still ran towards the road of soldiers. I didn't expect to reach the finish line half an hour later, but I was ranked first. He felt incredible. He has never been ranked, let alone run into the top 50. However, the official in charge of the competition smiled and congratulated him on winning the competition.

A few hours later, a large number of people came, exhausted from running, and surprised to see him win. But suddenly everyone realized how important it is to be honest and trustworthy at the fork in the road.

[Story 3] The story of killing pigs. Zeng Shen, a famous thinker and coward in Lu at the end of the Spring and Autumn Period, was one of the 72 sages under Confucius. He is knowledgeable and versatile, and attaches great importance to cultivation and moral integrity. Once, my wife went to the market on a business trip, and the young children clamored to go. Zeng Shen's wife didn't want to take care of the children, so she said to him, "You have fun at home. When mom comes back, she will kill cook the meat's pig and give it to you. " Hearing this, the child was very happy and stopped clamoring to go to the market. This was originally a joke for the children, but after that, Zeng Shen's wife forgot. Unexpectedly, Zeng Shen really killed a pig at home. When his wife saw that Zeng Shen had killed the pig, she said, "I came back from the market and said that I would kill the pig and cook meat for him." How can you take it seriously? " Zeng Shen said: "Children can't be deceived. Children are too young to understand the world, so they should learn from others, especially their parents. Today you cheat a child and defile his mind, tomorrow the child will cheat you and others; If you break your word in front of the children today, the children will no longer trust you tomorrow. See how harmful this is. "

Very touched, I went out to study for seven years and didn't come home. Finally, I learned something.

There is 1 000 yuan, divided among five people, and each person can get 2000 yuan. No one is poor and no one is rich. If the two of them do business with their own 2000 yuan and each earns 1000 yuan, then the total wealth of this society will reach 30000 yuan. Among them, two rich people are 24,000 yuan, accounting for 80%, and three poor people are 6,000 yuan, accounting for 20%.

In this case, can we say that three poor people are "poor" just because two rich people are "rich"? I can't. Because the "wealth" of the two rich people comes from the "increment" of social wealth, rather than the "stock" seized from the other three.

Not only that, two rich people created wealth for themselves, but also increased employment opportunities and labor income for three poor people. In that case, when the total wealth of two rich people reaches 6.5438+0.2 million yuan, the wealth of three poor people may not be 2,000 yuan, but 3,000 yuan or 5,000 yuan.

A poor young man in France, after ten years of hard struggle, finally became a media tycoon and ranked among the top 50 richest people in France. He died in 1998, and published a will in the local newspaper, saying: I was once a poor man, and those who know "what the poor lack most" will be rewarded with 1 10,000 francs. Almost 20,000 people rushed to send the answer. The answers are varied. Most people think that what the poor lack most is money. Others think that what the poor lack most are opportunities and skills ... but no one answers correctly. A year later, his lawyer revealed the answer: "What the poor lack most is the ambition to get rich!" " "

This mystery shocked Europe and America, and almost all the rich people recognized it, revealing the key to getting rich. The "ambition" mentioned here, to be precise, should be what we often say. It is hard for us to imagine what miracles a person with low ambition, a person without lofty goals and a person without a blueprint can create.

Usually, the negative idea that the rich can get rich is that they are lucky or engaged in improper industries; A more positive idea is that they work harder or are thrifty. But never imagined that the real reason lies in their different financial habits. The premise of getting rich by investment is to invest assets in investment targets with high returns. And being in the bank is tantamount to wasting time and resources.

When I was a child, I bought a adzuki bean ice cream, 50 cents each. Now the cheapest ice cream is one yuan. In the past 20 years, the price of "same grade" ice cream has increased 20 times. If the money is deposited in the bank, it is required to keep its purchasing power unchanged, and the annual simple interest of the bank is required to be about 100%. Which bank has this interest?

Poor people's money is not capital. A person spent 100 yuan to buy 50 pairs of slippers and then took them to the stall. Each pair was sold to 3 yuan and one pair of slippers was sold to 150 yuan. Another person is very poor and receives a monthly living allowance of 100 yuan from the Social Welfare Bureau. He used it all to buy rice, oil and salt. Another way is to give the poor 200 yuan every month and let him use the remaining 100 yuan to sell slippers, and there will be 150 yuan in a month; Return it to 200 yuan next month, and he can use 250 yuan to buy and sell slippers and earn 125 yuan; By the third month, the poor had 375 yuan, excluding living expenses 100 yuan and capital of 275 yuan. You don't need to give him any comfort. ...

But in fact, many poor people will not follow the path you have arranged for him. You give him 100 yuan and he buys rice; Give him 200 yuan, he buys wine and meat; Give it to 500 yuan, and he will buy a beautiful dress. In the end, only 10 yuan is left, and he will buy some lottery tickets. Even if you give him 1 10,000, he wants to turn the money into a house and a car at once, and go for a ride in a chic way to let everyone know that he is not poor ... the poor have not only no capital, but also no capital consciousness. There was a poor man and a rich man sympathized with him and wanted to help him get rich. The rich man gave him a cow and told him to cultivate land, sow in spring and get rid of poverty in autumn. The poor began to struggle in hope. But in a few days, cows will eat grass and people will eat, and life will be more difficult than in the past. So he thought, it is better to sell the cows, buy some sheep, kill one first, and the rest can have lambs, and when they grow up, they can sell more money.

The poor man's plan realized his wish. I just ate a sheep, but the lamb was not born, so I had a hard time and couldn't help eating another one. The poor thought that if this didn't work, it would be better to sell the sheep and buy some chickens. Chickens will lay eggs faster, and the days will be better soon.

The poor man's plan got his wish again, but the days have not changed. When he is in trouble, he can't help killing chickens. When there was only one chicken left at last, the poor man's ideal completely collapsed. Thought, there is no hope of getting rich, it is better to sell the chicken, make a pot of wine, and get drunk to solve thousands of worries.

When spring came, the rich sent the seeds with great interest and found the poor lying on the ground drunk, still penniless. The rich turned away and the poor continued to be poor.

Many poor people have had dreams, even had opportunities and actions, but they failed to persist in the end.

The price of dishonesty

65438+Before 2009, I borrowed 290,000 yuan from the bank and didn't pay it back.

After 19,10.5 million yuan will be repaid with interest.

(Reporter Ma Xin, correspondent Zhang Xiaomin) 19 years ago, a stationery factory borrowed 350,000 yuan from the bank twice. After returning 60,000 yuan, there is still 290,000 yuan in principal. When they were sued by creditors, they realized the huge cost of not paying back on time. A few days ago, Tianjin Dongli District People's Court ruled that the defendant would return more than RMB10.5 million with interest to the creditors.

19 years ago, Tianjin Ruicheng stationery factory and China Construction Bank successively signed two loan contracts, one for 200,000 yuan and the other for150,000 yuan, which was guaranteed by Tianjin Second Light Group (Holdings) Co., Ltd. After the loan expired, Ruicheng stationery factory only returned the bank principal of 60,000 yuan, and 290,000 yuan has not been returned.

1999165438+1October, China Construction Bank transferred all the principal and interest of its creditor's rights to Ruicheng Stationery Factory to Tianjin Office of China Cinda Asset Management Corporation (hereinafter referred to as Cinda Corporation). At this point, Cinda Company replaced the creditor status of the bank and became a new creditor. In order to realize its creditor's rights, Cinda Company sued Ruicheng Stationery Factory and the guarantor Qing Er Group in August this year, demanding Ruicheng Stationery Factory to repay the loan principal of 290,000 yuan and interest of 1.2 million yuan as of February 30, 2005 and all the interest on the actual payment date; Qing Er Group is required to be jointly and severally liable for the loan principal and interest.

Case playback

19 two debts are outstanding.

Our reporter Zhang Xiaomin.

1987 65438+On February 27th, Tianjin No.4 Sub-branch of China Construction Bank 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 February19/year. However, after the loan expires, the borrower only returned the bank principal of 60,000 yuan, and still owed the loan principal of 1.4 million yuan. 1September, 1988, China Construction Bank Tianjin Branch Hebei Branch signed a loan contract with Tianjin Stapler Factory and Tianjin Second Light Industry Bureau Cultural, Educational and Sporting Goods Industry Management Office. Tianjin Stapler Factory borrowed RMB 15000 from the bank, and the loan period was1September 98816th to 19965438+. After the loan expires, Tianjin Stapler Factory still fails to fulfill its repayment obligations.

1988 In March, China Construction Bank Tianjin No.4 Branch was changed to China Construction Bank Tianjin Branch Hebei Branch. 1March, 1998, Tianjin Stapler Factory and Tianjin Sixth Stationery Factory merged into Tianjin Ruicheng Stationery Factory. Later, Tianjin Culture, Education and Sporting Goods Industrial Company was restructured into Tianjin Second Light Group (Holdings) Co., Ltd.

1999165438+1On October 3rd, Hebei Branch of China Construction Bank signed a creditor's rights transfer contract with Tianjin Office of China Cinda Asset Management Company, agreeing to transfer the principal of the bank loan of Ruicheng stationery factory to RMB 290,000 and the interest receivable on the balance sheet of RMB 49,0001999 as of September 20th.

In the list of creditor's rights transfer, there are two loan contracts, with a principal of 290,000 yuan, interest receivable of 49,000 yuan and interest income of 590,000 yuan. After receiving the transfer notice from the bank, Ruicheng Stationery Factory confirms the relevant information in the transfer notice and signs and seals the transfer notice.

On June 5438+065438+1October 2 1 2000, China Construction Bank and China Cinda Asset Management Co., Ltd. jointly issued a notice to transfer all the off-balance-sheet interest receivable corresponding to the non-performing loans stripped by CCB to Cinda Company, and made a detailed explanation on the determination of the transfer amount, transfer method and transfer progress.

Before signing the creditor's rights transfer agreement, the bank had collected the loan principal and interest from Ruicheng Stationery Factory on April 20th 1999. After the signing of the creditor's rights transfer agreement, Cinda also made two collections on June 20, 2006 at 5438+0 and June 2005 at 16, and published two creditor's rights collection announcements in the media. The collection interest recorded in the two collection notices is more than 640,000 yuan, and Ruicheng Culture, Education and Office Supplies Factory stamped and confirmed the collection notice.

In addition to the interest determined in the transfer agreement, transfer notice and transfer letter, as of February 20, 2005, the interest on the above loan was nearly 520,000 yuan.

On June 4, 2002,165438+1October 4, 2002, Cinda Company delivered the Notice of Receiving Guaranteed Debt to Tianjin Second Light Group (Holdings) Co., Ltd. through the notary department. Without a receipt, Cinda Company delivered it by mail two years later.

The parties said

Cinda Company: repay the principal and interest10.5 million yuan.

Ruicheng Culture and Education: The high interest rate is inconsistent with the transfer agreement.

Qing Er Group: After the expiration of the warranty period, the warranty liability shall be exempted.

Our reporter Zhang Xiaomin.

The Tianjin office of China Xinda Asset Management Company, the plaintiff, claimed that the defendant had borrowed 350,000 yuan twice, and a total of 290,000 yuan had not been paid back. After the plaintiff changed the bank's creditor status as a new creditor, he repeatedly urged it in various ways, but it was ineffective and he had no choice but to file a lawsuit. After the signing of the creditor's rights transfer agreement, the plaintiff made two collections and published a notice of creditor's rights collection. The collection interest recorded in the two collection notices is more than 640 thousand yuan, not more than 49 thousand yuan. Ruicheng Culture, Education and Office Supplies Factory sealed the receipt notice.

The defendant Tianjin Ruicheng Stationery Factory has no objection to the main facts and basic facts claimed in the plaintiff's indictment, but has different opinions on the interest claimed by the plaintiff. They said,1999165438+1October 3rd.