Heart of an Innocent Chapter 4

David Wen took a look and found that there was indeed a seal on the settlement voucher, which read "Nongshang Bank Yongnan Branch Business Special Seal" and there was an anti-counterfeiting code consisting of numbers and letters underneath.

"Then why is it not there when I print out my contract?" he was very confused.

"I don't know about that. It's in other people's contracts."

"Impossible..." he muttered, and immediately took out his phone and found the electronic contract in the Yongshang Bank app. Then he held out his phone screen and said, "Look, there is no seal on the electronic contract. How can there be a seal when it is printed out?"

The girl adjusted her glasses, looked at the phone carefully, and a puzzled expression slowly appeared on her face.

"wait for me a while."

After she finished speaking, she stood up and left the table. David Wen saw her walk into an office. After a while, she came out, followed by a woman older than her, holding a document in her hand.

"Section Chief Grace, look, this printed contract doesn't have an electronic stamp."

The girl turned to the last page of David Wen's contract, and the woman took a quick glance at it.

"Hello, Chief Grace." David Wen knew that the other party was the girl's superior, and he also raised his phone to her and said, "I don't see any electronic seal on the electronic contract on my phone."

Section Chief Grace also quickly glanced at the screen of her mobile phone. "This is strange," she said, turning the document in her hand to the last page, and then showing it to David Wen outside the counter, "Then why does the contract in my hand have a stamp?"

David Wen leaned closer to the counter and saw a seal on the bottom right corner of the last page of the contract, which read "Nanjing Commercial Bank Xihuan Branch Business Special Seal". Below it was a string of numbers and letters that made up an anti-counterfeiting code. He couldn't believe it and asked hesitantly, "Is this contract... the same as my contract...?"

"It's the same, it's the same quick loan, right?" She turned the first page of the contract over again, and the title of the page was also "Personal Self-help Small Loan Contract".

"This... doesn't make sense," David Wen looked bewildered, "Does it mean that the Xihuan branch can print out electronic stamps, but the Yongnan branch can't?"

"Why don't you go to the Nanning Branch and ask. Maybe there's something wrong with their system." Chief Grace told him, "The person who applied for the Express Loan like you did not have a stamp on the contract he brought. He explained to us that it was impossible to print out a stamp on this electronic contract. You see, he later went back to the Xihuan Branch and sent us the contract with a stamp."

Do I have to make another trip? David Wen didn't want to go back and forth, so he decided to try: "Chief Grace, look, I have the bank's settlement certificate, which can prove that I have paid off the loan, right? Then it shouldn't matter if I don't have the loan contract."

"That won't work," Chief Grace refused. "We have to follow the regulations. Both the loan contract and the settlement voucher must be present. If either is missing, the information is incomplete and we cannot accept your materials."

There was no point in talking any more. He didn't waste any more time, packed up the materials he had brought, and left in a huff.

After leaving the Housing Provident Fund Management Center, he took out his phone and checked the time. It was almost noon. Since the bank didn't close at noon, David Wen decided to hurry to the Yongnan Branch to print out the contract with the electronic seal. Seeing a rice noodle shop not far away, he thought that food was the most important thing for people, so he went into the shop and ordered a bowl of rice noodles.

While slurping rice noodles, he was thinking, since Xihuan Branch could print out contracts with electronic seals, there was no reason why Yongnan Branch could not. Perhaps, as Section Chief Grace said, there was something wrong with the Yongnan Branch's system. The unit's computers also occasionally malfunctioned, causing some incredible low-probability events.

After finishing the rice noodles quickly, I returned to the parking spot. The white BMW in front of me that had crossed the line was still there, but the red Buick that was parked crookedly in the back had left and was replaced by a blue Ford. The Ford was parked squarely, with a moderate distance from the two cars in front and behind, and the tires were very close to the curb. David Wen glanced at it with approval, thinking that the Ford was parked well, just like my Fit, and should be a benchmark for other car owners to learn from.

He drove straight to the Nanning branch. The city was not big, and he arrived at the destination in about ten minutes. He parked the car at the door of the bank, took out the loan contract from the file bag, and walked into the bank lobby. The lobby manager who had received him last time was inside. He was a middle-aged man with sparse hair. His surname was Nong. He was teaching customers how to use the bank's self-service terminal. David Wen walked over and greeted him: "Manager Samuel, are you busy?"

The other party still remembered him: "It's you, what business do you come to handle today?"

David Wen handed over the contract in his hand and said depressedly: "Manager Samuel, you made a mistake in typing the contract you gave me last time."

"Wrong number?" Manager Samuel frowned, took the contract and flipped through it, "What's wrong? There's no problem."

"This is a big problem. There is no electronic seal on the contract."

"The printed contract of Kuaijiedai does not have an electronic stamp."

"If there is no stamp on the loan contract, how can it be legally effective?" David Wen threw the Provident Fund Management Center's question back to the bank.

"It's like this," Manager Samuel explained to him, "Quick Loan is a financial product recently launched by our bank. You have verified your real name on our mobile client and hold the security authentication tool issued by our bank. Therefore, the moment you successfully applied for Quick Loan, you have completed the electronic contract with our bank online, so your loan behavior is legally effective."

David Wen only understood half of what he said, and he was a little impatient: "You don't have to explain so much to me, I just want a contract with an electronic seal."

"This is what the printed contract looks like, without the electronic stamp."

"The Housing Provident Fund Center insisted that I provide a contract with an electronic seal, otherwise they would not accept my materials and I would not be able to apply for a Housing Provident Fund loan. What do you want me to do?"