16. Party B? No, Party A!
Autumn in Binshan City is short and comfortable, more than a month at the end of the third quarter, the sun is shining, not dry or dry, the whole city is bright and bright, except for the occasional wind and earth, this is one of the few golden times in the year in Binshan.
Mo Xiaobai told Ye Zheng about something, a company he handled supplied to a large enterprise, this enterprise is called Julong Iron and Steel, which is a large credit lender of Zhanye Bank, and Zhanye earns tens of millions of interest income from them every year. Recently, Julong has encountered some trouble, it can be said that he is relatively short of money, but in fact, he is very short of money, the industry is in a recession, and it is useless to cry his father and call his mother.
"Julong, I have heard that the scale of credit can rank among the top 8 in the exhibition industry. Ye Zheng said thoughtfully. "If they run out of money, it's not a big problem. Saying that, Ye Zheng made a few phone calls.
It doesn't matter if you don't fight, after you understand it, you find that this trouble is really not small.
Julong has a loan of 800 billion yuan in the exhibition industry, and this household can support a sub-branch, but in recent years, Julong's steel has not been sold, and the return of funds is very problematic, and it is said that even the interest cannot be paid this year. Because of this matter, Zhanye Bank has set up an "emergency collection action team", and it turns out that a series of people related to Julong from top to bottom ask for money at the door of other people's enterprises every day.
"It's kind of interesting, then don't you get a loan for them," Mo Xiaobai asked.
"What do you think this collection team does, that is, to change the law and think about how to package bad debts into good accounts? Ye Zheng understands the rules here, "But ......"
"But what?"
"The bank is very difficult in this matter, but our insurance company can help them. ”
The operating rules of insurance are very complicated, and they are very simple, and the premiums are collected, and the insurance company has an investment department, which is the cash cow of the insurance company, and the stock market, bond market, corporate financing and other fields are flowing with insurance funds. Although the scale of Zhanheng Insurance is not large, it is still more than enough to copy two or three billion yuan.
Ye Zheng and Mo Xiaobai summed it up, and there was really something to do.
Just do it!
Si Xiang listened to Ye Zheng and Mo Xiaobai's reports, and also felt that this was a big deal, and if it was done, the Binshan branch would also be a great achievement in the head office. So the division of labor was immediately, Mo Xiaobai was responsible for the enterprise work, Ye Zheng was responsible for the bank project, and Si Xiang personally took the lead and reported to the investment department of the head office and the president of the branch.
The project was very smooth, and it was a plan that the collection project team of Zhanye Binshan Branch was not happy to use with the help of insurance funds to quench the thirst of the enterprise, and it was handed to the president's office almost without any obstacles.
Si Xiang has already communicated with the leaders in charge of the president's office one by one, as the linkage of the bank, it is naturally a green light, after all, it is the insurance company that pays to solve the bank's problems, which is rare in the past history. At present, the only problem is how to make this Julong enterprise not so unbearable, so that the investment department of the insurance company can recognize it and spend the money.
Mo Xiaobai thought relatively simply, this business is made, this investment must be accompanied by conditions, and they can snatch all the insurance of Julong Iron and Steel in a grand manner.
Ye Zheng thought more complicated, this thing was done, Zhan Heng could be regarded as a great favor to Zhan Ye, so that he had a reason to use this matter to let Zhan Ye Bank give Zhan Heng some good policies. He believes in giving first and then returning, the insurance company vomits some blood first, and the bank reaches out not to hit the smiling person, the best of both worlds, what a good deal.
So in the past two days, Ye Zheng and Mo Xiaobai were surprisingly popular, Mo Xiaobai didn't take much effort to call the financial person in charge of Julong Iron and Steel, the other party originally wanted to talk to the phone as soon as he heard the insurance company, Mo Xiaobai explained the situation in three or five sentences, the other party heard that the God of Wealth was coming, and his face changed in minutes faster than turning a book, and he happily asked Xiaobai to come to the company as soon as possible to investigate.
Mo Xiaobai hasn't felt this way for many years, no matter how tall you are in selling insurance, between buying and selling, the seller is the grandson, and the one who pays is the uncle. This time the sun came out in the west, and the person who paid for it begged to go by himself, and gave Mo Xiaobai a sigh of no, no, he walked with the wind.
"You give me a little leisure!" Ye Zheng became angry when he saw Mo Xiaobai's virtue. "Can you be a little promising, what a big thing can give you beauty like this. After that, Mo Xiaobai asked him with a grin: "Brother, how are you over there?"
"Awesome!" Ye Zheng also snorted.
It turns out that Ye Zheng has also raised his eyebrows in the industry in the past few days, it can be said that Ye Zheng's move has subverted the previous sales model of bank-enterprise insurance. Now it is the insurance company that has helped the bank solve a thorny big problem, not to mention anything else, if this billion-dollar loan is broken, more than 3,000 employees will be equivalent to working in vain this year, and the leaders of the bank will not be able to escape their responsibilities, and they want to find the person in charge of the year?
Therefore, it seems to be good news for everyone to be able to have insurance funds join at this time. The collection team is nominally a special operations force, but anyone with a discerning eye can see that it is a professional household with tatters and top mines, and seeing Ye Zheng, a young man, actively help them solve problems, they are very happy from the leader to the officer.
"Let's go, go to the boss to drink tea. Ye Zheng knocked on the door of Si Xiang's office with Mo Xiaobai, and Xinda from the personal insurance department of the enterprise was getting up and walking out, and the servants took a look.
Xinda is Si Xiang's important minister, and the personal insurance department of the enterprise in charge is a major performer, and the performance of the entire head office is also one of the best. This person has a hot temperament, and he scolds the people below, Ye Zheng has already heard of it, before he came, Lao Jiang and Xiao Tian were Xinda's department, and they couldn't stand Xinda's high-pressure policy, so they vomited bitterness with Ye Zheng. So after coming to the company, because of the business department, Ye Zheng and Xinda well water did not violate the river water, and kept a sense of proportion between each other.
Si Xiang just finished chatting with Xinda and beckoned Ye Zheng and the two to sit down. Ye Zheng and Mo Xiaobai's work was quite smooth, and the ball mentioned the soles of Si Xiang's feet, to say that Si Xiang was still old, he was silent and serious, and slowly fiddled with the teacup of tea, while carefully asking Ye Zheng about the progress of the whole thing.
Mo Xiaobai drank tea while listening to the conversation between the two leaders, feeling a little bored, in fact, there are three questions over and over again, how much money does the company need to invest?
And, how much money can be earned from Julong.