大田金業讲故事：老板“跑路”引发的银行危机
南京宇扬集团拥有6家分公司，主要业务涉及金属制品、进出口、脚手架、文化传播、置业等领域，算得上是当地的明星企业。随着公司规模逐渐扩大，宇扬集团董事长杨军产生了到银行贷款的念头，可是公司资产有限，如何有足够的担保来得到更多的贷款呢？“聪明”的杨军想到了一个好办法，那就是集团成员企业之间相互担保，即“左手倒右手”。令杨军高兴的是，他的方法奏效了，他去贷款的多家银行竟然没有进行过多审核就发放了贷款。
渐渐地，杨军尝到了甜头，他的欲望也在慢慢膨胀。一天，他来到了渤海银行南京分行，要其为他开具的两张银行承兑汇票，分别为9000万元和5960万元。面对如此巨额的贷款，渤海银行竟然没有深究一家做脚手架的企业为何要如此多贷款，就将贷款发放给了杨军。这样杨军心花怒放，因为加上这笔钱，他已经在10多家南京银行获得贷款5亿多元了。
虽然银行的许多贷款行为违反了银行贷款的有关规定，但如果杨军能够按时还款，一切还会风平浪静，所有的秘密都将成为秘密。可是，杨军的一个惊天举动彻底打破了这种宁静，2011年8月底，杨军竟然卷款失踪了。
杨军走了，不知道在世界的哪个角落里“享受”着生活呢，可是他的不法行为害苦了别人。很快，宇扬集团1000余名民工进行了群体性讨薪，而为他提供贷款的10多家银行也是炸开了锅，因为宇扬集团还涉嫌偷漏税，一旦启动破产程序，残余资产不足以补交税额，银行债权岌岌可危。杨军的“跑路”终于引发了南京多家银行的危机。
本文来源： 大田环球贵金属
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