Before the formal visit and investigation, Ding Le conducted preliminary data analysis on the list of 20 interested households from the aspects of previous loan credit records, loan guarantee methods, and personal account capital flows, and arranged the order of investigation.

There are 10 old customers who have cooperated for more than 5 years, there are fixed stores in the town, mainly operating all kinds of business services, from the perspective of personal account capital flow, there are funds regularly in the account, which can reflect the business situation on the side, several loans in the past few years, can repay the loan and interest on time, good credit history, loans are secured by shops along the street, Ding Le feels that these households should be high-quality customers, and priority can be given to visiting and investigating.

There are 7 households in the town of large breeders, engaged in a variety of poultry breeding, business project benefits are good, and three or four of them guarantee each other, formed a fixed joint insurance team, from the loan records and account flow of funds, there is no problem, Ding Le feels that we can continue to cooperate, visit the investigation as far as possible to go forward.

There are 3 small owners engaged in the development of small property rights, and none of them operate locally, and there are many overdue loan records, and there is no capital in and out of personal accounts on weekdays. Although the loans are all guaranteed by state officials, in Ding Le's opinion, these households should be inferior customers, and there should be gray transactions with Gao Haifeng, and the visit and investigation can be placed in the back row, and at the same time, he made a plan to politely refuse.

Because Gao Haifeng was full-time to collect money, before Ding Le took over, no one in the branch was willing to be this pot, it turned out that the customer loans he was responsible for were due and the backlog was serious, and Ding Le only took one day to make an appointment to register 20 households.

The reality is cruel, Ding Le has only conducted a loan investigation on 5 customers through a busy week.

In the previous life, when Ding Le was reborn, the IT system of Haizhou Bank was already very perfect, the customer manager realized mobile operations, and at the same time introduced third-party data verification and verification, and the pre-loan investigation and collection of materials was convenient and fast, but now the technical transformation of the production system has not been started, and in the loan investigation link, he spent a lot of time and energy to verify and verify the information provided by customers.

Ding Le has a detailed understanding of the client's family assets, liabilities, operating income, expenditure and credit status, and at the same time checks the business license, tax registration certificate and other business qualification materials provided by the client. Lacking high-tech help, he can only make up for it with sweat, he goes out to investigate in the field during the day, and works overtime at night to write loan investigation reports.

In the process of customer investigation, Ding Le did not forget the background investigation of the customer Gao Dagang, through the side inquiry, this person ran a supermarket a few years ago, and then because the business was unsustainable, he transferred the supermarket to others, and he cooperated with others to develop small property rights, but in recent years, the country's macro control, Gao Dagang did not make money through the development of small property rights. He began to deal with the Taiping branch in 2003, when Wu Kewei was transferred to the Taiping branch as a credit supervisor.

In the past few years, Gao Dagang's loan has soared from 100,000 yuan to 500,000 yuan, and he has also formed a joint insurance team with others. The other two borrowers had business dealings with Gao Dagang, but according to the scale of their business, they did not need a loan of 500,000 yuan at all, and the preliminary judgment was that part of the loan was misappropriated by Gao Dagang.

Taiping sub-branch every Monday, Wednesday and Friday morning loan review meeting, the customer manager in the customer pre-loan investigation, write the investigation report, submit to the collective discussion and discussion, the customer manager at the meeting to state the situation, participants to express opinions, to the number of participants more than half of the principle of approval. According to the authorization system of Haizhou Bank, the approval authority of the head of the town branch is 500,000 yuan, and after the majority of the meeting is approved, the branch president signs, and the loan within 500,000 yuan can be approved. Gao Dagang's loan from 100,000 to 500,000 is also because of this.

Ding Le didn't go home on the weekend, for Monday's loan meeting, he nested in the dormitory, combed through all the 5 investigation reports to be submitted, and participated in the meeting for the first time, he didn't want to mess up.

At 8 o'clock on Monday morning, after the business hall of the sub-branch opened for business, the account managers also arrived one after another. At this time, Ding Le had already printed all the materials to be discussed at the meeting.

Fei Yang saw the stack of materials in Ding Le's hand and expressed his admiration again and again. Even Zhang Maosheng saw it and said: "Brother Ding's newborn calf is not afraid of tigers, this time there will be so many loans to be done in a week!"

After Wu Kewei saw it, he said in a weird way: "Yo, Xiao Ding is really an outstanding talent sent by the head office, and he will enter the state very quickly, so he can carry more burdens in the future and help us old comrades share some pressure." After Wu Kewei said this, he walked to his workstation with a stiff face, and began to be busy printing materials.

At 8:30, everyone walked into the conference room in turn, today Zhu Guang's mother was sick, went to the city hospital for examination, did not attend the meeting, and everyone else was holding the information in their hands, and there were customers ready to go to the meeting to discuss. After everyone sat down in turn, Wang Yonggui walked slowly into the conference room with a teacup.

When Wu Kewei saw Wang Yonggui coming in, he immediately got up to greet him, and said with a flattering face: "Leader, the amount of work that will be done this morning may be a bit much, and our Comrade Xiaoding alone brought such a thick stack of materials." ”

Wang Yonggui said expressionlessly: "Since this is the case, let's start, I will go to the head office for a meeting as soon as it is over!"

The borrower is engaged in aquatic product sales, and the borrower operates aquatic products in the town's farmers' market, with an area of more than 150 square meters, and this time he applies for a loan of 300,000 yuan, which is mortgaged by the shops in the farmers' market, and the loan is mainly used for business turnover.

When Fei Yang introduced the situation, except for Wu Kewei who interrupted and asked twice, no one else expressed any objections.

Ding Le saw Fei Yang finish speaking, and thought that it was really as he thought in his heart before, nominally it was a collective meeting, but in fact, most of the time it was just a formality, as long as the account manager approved, the loan would definitely be passed, and the account manager had a great right to speak, of course, the loan was overdue, and the account manager was also held accountable, and the rights and responsibilities were equal.

Ding Le then began to introduce several of his customers to the crowd, before starting he briefly introduced the background, these are all customers in Gao Haifeng's hands, all of them have many years of cooperation history with the Taiping Branch, and have a good credit record. The 5 households reported this time are all existing customer credit, and the loans they applied for are the same as last time, and the amount has not been increased. Then Ding Le gave a detailed introduction to the operation of each household one by one.

The customer, Wang, who is engaged in the wholesale of sugar, tobacco and liquor, has opened a tobacco and liquor supermarket in the town for more than 10 years, and applied for a loan of 300,000 yuan this time, which was mortgaged by his own shops along the street......

The customer Xiao is engaged in the sales of air conditioners, and the brand of the agent is Gree, and the loan application is mainly used to pay the upstream agent......

The customer, Zhang, is engaged in the sales of electric bicycles, and the brand of the agent is Emma......

......

At the meeting, Ding Le talked eloquently, and the analysis of some of the customer's risk points was also conclusive, and his performance surprised everyone very much, is this a business handled by a novice account manager? Even Zhang Maosheng, an account manager with more than 10 years of credit experience, nodded when he heard it. Wu Kewei also asked questions several times in the middle, but Ding Le calmly dealt with it.

After listening to Ding Le's introduction one by one, Wang Yonggui concluded: "Although Xiao Ding came out to report, as a new account manager, his investigation work is very solid, and the potential risks of customers can be investigated clearly, and I hope everyone will learn more from his pragmatic work style in the future." ”

After listening to this, Ding Le thought to himself: "If you didn't know your background in your previous life, you would really be confused by your surface, old fox, your words are like buying people's hearts!"

After Ding Le finished speaking, Zhang Maosheng also went on to introduce his customers, he is from this town, and most of his customers are relatives and friends or relatives and friends, all of whom know the roots, although the customers are guaranteed, the introduction does not cause many doubts.

After Zhang Maosheng finished his introduction, it was almost half past ten, Wang Yonggui saw that everyone did not speak again, and was about to announce the end of the meeting, at this time, Wu Kewei cleared his throat and began to speak: "Leader, I have three households here, I want to do it together this time, and delay everyone for a while." ”。

Everyone had stood up, but when he said this, they all stayed. Ding Le thought to himself, the meat drama is coming, you can't talk about it until now, it's hard to have any inside story.

When he heard the words Gao Dagang, Ding Le thought that he was always coming.

After Gao Dagang came to the branch to make trouble last time, Wu Kewei dragged on for another week, and he also revealed the situation to Wang Yonggui in private.

Ding Le straightened his waist, Wu Kewei also made some notes seriously when he introduced the situation, he was thinking in his heart, your courage is too big, Gao Dagang has long stopped opening a supermarket, and he actually applied for a loan for this reason, all the business project information is fake, if it weren't for my visit and investigation, I really underestimated your calmness.

Wu Kewei spent nearly 20 minutes, saliva flying all over the sky, and finally finished explaining the basic situation of Gao Dagang's three-household joint insurance team. Wang Yonggui immediately asked everyone if they had any objections, and if there were no opinions, then they would approve these loans.

Ding Le saw Zhang Maosheng bow his head and not speak, Fei Yang took out the phone and kept swiping, knowing that they were resistant in their hearts, but they didn't dare to speak.

Ding Le coughed lightly and said, "President Wang, Director Wu, I have a few issues that need to be understood again, and if they can all be reasonably explained, then I don't have any opinions." ”

Wang Yonggui said: "These are all old customers in the hands of Lao Wu, you are new, you don't understand the situation is normal, there is no big problem, forget it!"

If it was a young man who had just started work, he would definitely give up when he saw the president say this, but Ding Le is a reborn person, and he has worked for ten years in his previous life, and he has never seen any scenes.

Ding Le immediately replied: "President Wang, the question I want to ask is very critical, and if there is any doubt in the process, there will be an answer, which is also stipulated by the system, you can't easily reject me like this, in case there is a problem with these loans in the future, you will be held accountable, and the meeting will not comply with the prescribed procedures, and you will be mainly responsible." ”

The atmosphere in the conference room suddenly became solemn, Zhang Maosheng's eyes lit up after hearing this, Fei Yang put away his mobile phone, everyone was a little confused, and they all said that newborn calves were not afraid of tigers, but they had never seen such a stunned one. Wang Yonggui and Wu Kewei didn't expect Ding Le to be so insistent and a little caught off guard!