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刘律师: 1997年7月我厂从开户银行贷款100万元用于购买原材料,后因市场形势发生变化,无法归还贷款。1998年12月我厂又在本市一信用社开立了一般存款户头,并与信用社建立了信贷关系。后我厂与异地一客户订立钢材购销合同,从开户信用社贷款200万元,用于支付货款。由于信用社未参加全国联行往来,所以我厂开具的汇票委托书由信用社出面通过原开户银行办理汇票手续。该银行在办理该业务时,从信用社存款帐户中付出200万元,作为汇出汇款科目中我厂结算保证金,并开出汇票由信用社交我厂带往异地购货。后因供货方无货,我厂只得办理退汇手续,并将汇票还回信用社。在此过程中,银行为收回我厂贷款,直接从汇出汇款科目中的企业结算保证金中扣收100万元,其余
Lawyer Liu: In July 1997, I borrowed a loan of 1 million yuan from an account bank for the purchase of raw materials. After the market situation changed, I could not repay the loan. December 1998 I plant in the city a credit union opened a general deposit account, and established a credit relationship with the credit cooperatives. After I plant and customers from different places to enter into a steel purchase and sale contract, from the credit cooperatives loans 2 million yuan for the payment of the purchase price. As credit unions did not participate in the National Bank exchanges, so my factory issued a power of attorney by the credit cooperatives to come forward through the original bank bills of exchange procedures. When the bank handled the business, it paid 2 million yuan from the deposit account of the credit cooperatives as the settlement deposit of the factory in the remittance remittance account, and issued a draft by the credit union to pay our factory to purchase in different places. After the supplier due to no goods, I have to apply for export procedures, and the money back to the credit cooperatives. In the process, the bank to recover my factory loan directly from the remittance account in the corporate settlement deposit deducted 1 million yuan, and the rest