The cool autumn breeze finally drove away the scorching heat, and the golden autumn and October were the harvest season, but with the sharp turn of the stock market, China's capital market seems to be about to usher in an unimaginable cold wave.

With the continuous retracement after the market index peaked, I am not a stock god The post "The bull market has gone, the bear market has come" published on the Tianya forum has attracted more and more attention, and major websites and news media have reprinted it, supporters and opponents have their own opinions, and the long-short debate has been transmitted from the online world to the real society.

This post is the earliest analysis and judgment on the Internet about the trend of the market from bull to bear, and in the following years, it will be repeatedly mentioned and worshiped by countless netizens.

After Xu Jing transferred the Yangyang Hotel, she had a lot of more time, and spent most of her time in the hospital to accompany her mother-in-law.

In order to pass the time, she would read the newspaper to the old man every day, and when she saw the post that I am not the god of medicine reprinted in the newspaper, she thought of what Ding Le had told her on the phone before, so she cleared the stocks she held at the first time and redeemed all the funds.

Even though the market fell for three consecutive days, her investment income reached 100% after this round of bull market, and the 2 million yuan invested before and after became 4 million yuan.

This money is what she has worked hard to save in the past few years, and now that her mother-in-law is sick and needs money, she has a lot of heart after seeing that the principal and income have all arrived.

After Ding Le finished his post in Tianya, he once again turned his attention to work.

In the past two months, his energy has been involved in the stock market, and he has not had time to take care of the business promotion and daily management of the sub-branch.

Today, just after the loan meeting, there are several operating bank loans due to renewal, he is signing the final approval opinion to the customer who has passed the meeting, just as he is struggling to write, the mobile phone rings.

Ding Le answered the phone, and Xu Jing's lazy and slightly snorting voice came from the other end: "President Ding, when are you free?" I invite you to coffee, thank you for your investment advice, sister, I have made a fortune!"

Hearing Xu Jing's voice, Ding Le couldn't help but think of her mature and plump figure in his mind.

Hearing that she would accept it when she saw it, Ding Le was also very happy, so he smiled and said, "I can do it at any time, it depends on your time." ”

After hanging up the phone, Ding Le shook his head, dispelled the tempting thoughts in his mind, and continued to look at the information in his hand.

After signing one by one, he walked out of the office and sent the orders to the corresponding account manager.

"You should hurry up and contact the customer and inform the customer to go through the loan procedures. ”

After speaking, Ding Le turned around and returned to the office, he turned on the computer, logged in to the system, called up the performance ranking table of the previous day, and looked at it seriously, since he was the temporary person in charge of the Taiping Branch, he has developed the habit of reading reports every day.

As of the previous working day, the main operating indicators of Taiping Sub-branch have exceeded the annual assessment target, and good results have been achieved in deposits, loans, wealth management, distribution of funds, and the number of newly opened settlement accounts.

After reading the performance ranking table, Ding Le opened the loan schedule again, screened out the loans due this month and the overdue loans, and looked at them carefully.

At present, the work of the sub-branch is progressing smoothly, but there are also some hidden worries, the biggest problem is that the overdue loans are rising rapidly, if these overdue loans can not be collected and paid in the short term, then according to the regulations of the head office overdue for more than 90 days, the rating must be adjusted to the non-performing category.

The rapid development of the business can cover up some problems, but it cannot completely solve the problem, if you do not pay attention to it now, then the non-performing loans will become a big problem at the end of the year.

When he got off work, he saw that several account managers were there, and Ding Le took the details and asked everyone to have a meeting to discuss it.

In the first two years of the Taiping sub-branch, Gao Haifeng, Wu Kewei, and Wang Yonggui had accidents, and after the account manager was dismissed, the loans that were only released after the collusion now became a problem.

Generally, when a loan is overdue, the relationship manager will only do his best for the loan for which he is responsible. So now Ding Le asks everyone to collect the overdue loans of those three people, and everyone has different psychology.

Zhang Maosheng and Zhu Guang were a little afraid of difficulties, Meng Yang was ignorant, and Fei Yang had completely become a loyal fan of Ding Le since the stock market rose sharply, so he would not object to what Ding Le said.

Ding Le looked at everyone without saying a word, and said: "I know that you are not very happy to let you take over the collection of other people's loans, but the loans issued by Gao Haifeng and Wu Kewei are within the assessment scope of our Taiping Branch, and now if these overdue loans are not collected in time, they will be transferred to non-performing loans at the end of the year, and once the non-performing rate of the branch exceeds the assessment index, everyone's year-end performance will be affected." ”

Zhang Maosheng and Zhu Guang are both old account managers, and they are very clear about Ding Le's intentions, and after he said this, his will began to loosen a little.

Ding Le continued: "Now what we have to do is to remind customers to come to the branch as soon as possible to repay the loan, and if they are not sure of their whereabouts, they should call and come to the door if they know their whereabouts. ”

Zhang Maosheng and Zhu Guang saw that Ding Le was very persistent, and they did not let go at all, so they accepted it half-pushing.

In the end, each account manager was assigned a collection list of 5 households, and Ding Le, as the branch manager, took the initiative to take the lead in leading 10 collections.

Loan collection is indeed a thankless job, and in his previous life, Ding Le had an accident on the way to collect loans, so he also has a deep understanding of the troubled waters in it.

Ding Le asked Fei Yang to dig out the loan files of overdue customers from the archives and distribute them to each account manager to further understand the situation and be aware of the collection process.

Ding Le dialed the phone numbers of 10 borrowers one by one and found that more than half of them were already in arrears or shutdown, and the 4 customers who dialed mentioned that the repayment of the loan was also struggling, and the willingness to repay was not strong.

For customers who lost contact with the phone, Ding Le was also not very hopeful about his willingness to repay the loan.

Wang Yong runs a hardware and building materials store in the town, and through an acquaintance, he applied for an operating loan of 200,000 yuan at Wu Kewei of the Taiping branch in October last year, with a term of one year, and after the loan expired in October, he did not return it on time.

Ding Le chose this household at first sight when formulating the ranking list, and with his experience in his previous life, as long as the customer has a fixed business place and is in normal operation, the difficulty of collection is relatively small.

Collecting loans has always been from easy to difficult, and the hard bones are always left to the end to gnaw.

When Ding Le took Fei Yang to Wang Yong's store, there was a customer talking to him about business, and Ding Le and Fei Yang pretended to come to buy building materials.

"What do you two need to buy?" Wang Yong took the initiative to greet the guests after seeing them off.

"We are the account manager of the Taiping Branch, your loan in our bank is overdue, I don't know when you will pay it back?" Fei Yang asked straight to the point.

"I thought it was due next month!" Wang Yong quibbled.

Through observation, Ding Le judged that he should still have the ability to repay.

"Looking at the customers in and out of your store, the shelves are all branded goods, not like inexperience, do you have any other factors that cause you not to return them?" Ding Le asked rhetorically.

Wang Yong was a little hesitant, repeatedly emphasizing that he remembered that the loan would expire next month, and he would repay it when it was due.

"Boss Wang, doing business is all about harmony, when Wu Kewei issued loans in the past, he might have a little bit of a hand, let you break the bank, but it will definitely not be in the future, as long as you change, we can continue to cooperate, and we will definitely not let you break the bank again!" Ding Le said.

Watching Wang Yong play tricks, Ding Le changed his words: "But if you say that you will pay it back when it expires next month, then starting tomorrow, I will bring a big amplifier to your store every day, and then I will bring a big amplifier to put on the street, do you still want to do business?"

Hearing this, Wang Yong became a little anxious, and his voice began to rise: "Are you threatening me?"

"What are you talking about, you should repay the borrowed money, and your guests come to your store and don't pay back on credit, what should you do?" Ding Le was not afraid of his voice.

"Your loan is guaranteed by your brother-in-law, and if you really don't pay it back, we have to go to your brother-in-law's unit to ask for it. ”

Hearing this, Wang Yong's face was frightened and he stopped talking.

Ding Le struck while the iron was hot: "If you have money, you will pay it back tomorrow, if there is really not so much, you can pay back some of it first." ”

"Then I'll go and pay back 100,000 yuan tomorrow, and I'll hurry up and raise money for the remaining 100,000 yuan, and I'll definitely pay it back before the end of the month, so don't go to my brother-in-law, do you think it's okay?"

Ding Le saw that he was soft, and knew that he was a strict wife, so he no longer forced him to step in one step and asked him to sign the collection notice.