Song Jingjing, the liaison officer of the "Three Qings" sent by the head office to the Hubei branch, was an eventful corner, and when he arrived at the branch, he heard that the following had some views on the credit department, and twice asked the Hubei branch to write a business official letter requesting coordination and coordination from which he coordinated and coordinated, which was opposed by Wang Xianyao. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 Although he did not get a written basis for his coordination, he went to the credit office to coordinate it.

In fact, it doesn't matter if it's not coordinated, his appearance is like holding a-stirring stick, pounding back and forth in a dung tank in Nuoda, so that the flies, mosquitoes, and bed bugs that were originally squatting on the to recuperate are all rushing to the manure tank in a "buzzing" sound, and the stench is even more unpleasant. really made Wang Xianyao a firefighter.

Then, the kid was reluctant to come to the branch, and asked the branch's planning department to fax him a report every Friday, even if he had been contacted.

Song Elite didn't come, and he felt a lot quieter in the summer, so let him go.

How could he have changed his life, and took advantage of the opportunity of the audit office to carry out a special credit audit at the Hubei branch to intervene and become the chief writer. A few days ago, the Audit Office sent the draft for comments to the Hubei Branch, which was obviously contrary to Gu Dingli's evaluation last month. Of course, now that Gudingli is ready to mobilize, maybe not many people will listen to him. But this manuscript still made the main leaders of the branch angry. After all, Wang Xianyao has a lot of connections in the head office, so he asked the director of the 10,000 department what was going on? The director told him: "It was written by your liaison Song Jingjing." What do you think, I'll take him down another day, and you talk about him to your face. ”

On this day, it was the meeting occasion for 10,000 people to "talk about him face to face" with Wang Xianyao, and the official name was set as "Meeting to Solicit Audit Conclusions".

As soon as he went to work in the morning, Wang Xianyao asked Chen Jiaojiao and Xia to come to his office to discuss the angle and proportion of the conversation with the audit office in the morning. After discussions, the consensus was that we should give a clear introduction to our work without giving people the impression that we had made meritorious contributions; we should criticize this article for not being objective without offending them excessively; and we should complain about our grievances without making them think that we would not accept criticism. It is necessary to properly distinguish the Song elite from the 10,000 people. Among the three, Xia Xia and Chen said no, and finally Wang Xianyao coordinated.

After the three of them set the tone, they went separately to prepare their own speech materials.

At half past nine o'clock, the director of 10,000 people led the four comrades of the audit office plus Song Elite to the branch. Wang Xianyao was busy for a while, and asked Han Xiaoniu to ask Chen to do homework and come to the president's office in the summer. After the two arrived, there was another greeting, and when it was over, Wang Xianyao seemed to say to Xia, as if to Chen Jiao, and as if he was saying it to 10,000 people. If I remember correctly, he and I have come to Hubei Branch to carry out audits and personnel inspections together at the beginning to now, Director Wan has led the team to carry out three audits. And it's not short. I say from the bottom of my heart: this kind of concern is real concern. If I am the only one who is talking about how serious the old problems of the Hubei branch are, how big the historical burden is. At first, you will say that I don't understand banking, and it is useless to say it. Second, some people will say that they are tricky, and they don't believe it when they are killed. But with a stroke of the pen in 10,000 places, the words '10,000 people' were written, and those who saw it were convinced. That's the level. Therefore, in the future, we will take the initiative to invite Director Wan to guide the work. Next, I would like to ask Director Wan for instructions. ”

10,000 people did not squeak when Wang Xianyao spoke. When Wang Xianyao asked him to speak, he said, "Xianyao was mocking me just now. Speaking of coming to the Hubei branch, I really arrived more than ten days before Xianyao, until he was appointed as the president of the bank, and I was still doing auditing here. The historical burden of Hubei Branch is relatively heavy, and the mental pressure and work pressure of Xianyao in the past two years here are enough, but the achievements are indeed not small, which should be summarized. Today we are here to solicit everyone's opinions, without any frames, from the good as flow, the inappropriate parts of the manuscript must be corrected, not to play a misleading role. President Wang, what about the next, could you please share your views with the comrades of the sub-branch?"

Wang Xianyao said: "Okay. Look, homework or summer, which of you will report your opinion first?"

Chen said, "I'll talk first. Just now, President Wang said, thank you for the strong support of all departments and offices of the head office to our sub-branch, I was transferred from the vice president of the financial services agency to the citizen bank. I have personally experienced several times of crisis in this sub-branch: when Hubei Financial Services Co., Ltd. was operating in violation of regulations and facing great risks, the organization transferred me to manage the sales department. I have personally experienced the situation of having to close down the bank when the deposit is gone, the loan is not repaid, and the company has to close its door; during the year when the Citizens Bank took over, the head office borrowed money and refused to borrow, and the desperate situation made the president feel as uncomfortable as being caught and sitting on a hot pot; in the second half of this year, we solved this problem in stages, and the situation has changed considerably. I dare say that from the first quarter of '97, it will be very difficult to see the overdraft of our sub-branches. ”

Ten thousand people said, "President Wang, then you should congratulate you." ”

Wang Xianyao said: "We should thank the head office for its care. ”

Chen continued: "The Audit Office of the head office has always been very supportive, but the tone of this manuscript is a negative tone. I speculated that maybe the author was relatively young, had just come out of a university class, and was full of romance, and did not see what the situation of the Citizens Bank was. It's like a young lady who often uses French fine perfumes, when she arrives in our southern countryside, walking on a country road, and suddenly sees an old cow, she looks at the cow that has just reached the side of the road, and there is still a hot cow, which is not smelly, and this young lady immediately took out a handkerchief stained with perfume and covered her nose, and said vigorously: 'Wow, stink, stink!'"

At this time, Xia added: "The thing that this young lady said 'stinky wow, stinky wow' is the same as the first bubble of urine that a child just gets up in the morning, it is a Chinese medicinal material, the former can cure stomach diseases, and children's urine can cure lung diseases." ”

After listening to Chen Job's speech, the people present couldn't help but laugh a little and almost laughed. Wan Wan had worked in the same department as Chen Jiao in the Shenzhen Special Economic Zone Branch of the People's Bank of China, and knew that this kid was a little smart. Wan Wan's age is also more than ten years older than Chen Job, and what Chen Homework said will not cause him to be unhappy. And Chen Jiao knew the temper of this old colleague, so he dared to talk about it like this.

I only heard Chen homework continue: "In other words, I have some opinions on the idea of this article. My request is not to publish articles from the perspective of the whole person, but to adopt such a basic attitude of objectivity, neutrality, and seeking truth from facts, and then to get into the situation of our line at the beginning, what kind of situation it is now, how everyone is working hard, which efforts are good, and which efforts are insufficient. Wait a minute. Only in this way can the correct conclusions be drawn. ”

……

After Chen finished speaking, Wang Xianyao glanced at Xia, who knew that it was the president who asked him to speak.

Then, Xia said: "The two leaders of our branch have talked a lot, and Director Wan has been here for a lot of time, so that I and Director Wan and other leaders of the audit department are also more familiar, so I won't say much kind words." I think the description of the employees of Hubei Branch in the manuscript in terms of mental outlook, work will, and work results is inappropriate. I would like to report a few points to Director Wan and the leaders, first of all, the spiritual outlook of the Planning and Credit Section of our sub-branch, which I think is good. Why do you say this? After President Wang arrived at the Hubei sub-branch, he reorganized the original three credit departments and the planning department into a planning and credit section. In the meantime, the screening, entry and exit of personnel have been tossed for nearly two years. There are two kinds of people in our credit department: one is the newly recruited person from the head office, who is highly educated, has a dream, and has a high starting point, but after coming down, he finds that he is far from his ideals, so he goes down and returns to the head office; the other is from the financial service agency, and in the process of screening, they are like thieves who are caught by the public security bureau, and they are working silently with a mentality of making meritorious service and atonement, and they are looking at the report card of their own loan principal and interest at 10,000 or 20,000 yuan every day. I would like to say an overstep today: If the Citizens Bank really becomes a first-class bank in the future, it should be said that the comrades of the current Hubei Branch, including the comrades of the Credit Department of the Hubei Branch, are the founding fathers of the Citizens Bank just like the comrades of other banks. Secondly, when it comes to performance, although there is a gap with the requirements of the leadership, the tasks we have completed are at the middle and upper level among our peers. Over the past year, our sub-branch, using the connections of 20 old loan households, has helped our citizen bank organize 170 million yuan of one-year or half-year fixed deposits. If we get it in ourselves, it will cost at least more than 20 million yuan in financing costs. We have recovered a total of 66.46 million yuan of old loans, recovered 35.96 million yuan of interest, and fully recovered 52 million yuan of borrowed funds. The cumulative loan was 32.11 million yuan, of which 23 million yuan was borrowed to repay the old. Several key indicators are under control: 1. The rate of interest receivable has dropped from 86% last year to 66% this year, and the total amount is 41% of the previous year. 2. The loan risk level remained at 54.6% under the premise of recovering some old loans and basically no new loans, which was the same as last year. 3. The overdue loan rate is 92%, although it is high, it should be understandable: because no new loans are made, the old loans have expired and all of them have been sued. Many companies have reached the implementation stage. Thirdly, the establishment and implementation of the management system of our credit section is relatively advanced in the whole system. I saw an ad on TV for beer that said, '×× beer is probably the best beer in the world.' I can't say that the credit management system of our branch is the best credit management system in the citizen banking system, but I can borrow the artistic conception of the advertising slogan: it may be the best. Fourth, why is this possible? It comes down to the mental outlook. Let's take a look at our working environment: once, one of our collectors, for the interest receivable of 50,000 yuan, went to Bao'an Xixiang to pour the bus three times to get the check, and came back with a face full of excitement, just like a child who had just entered kindergarten, was rewarded by the teacher with a little red star. So, what is their living environment? Gao Youhua, who has been transferred back to the head office a few months ago, is a double master's degree holder who has studied for 18 years and has two diplomas. He worked under me and was paid 1,400 yuan a month. How do you use it? Three colleagues share a house and share 400 yuan of the 1,200 yuan of the monthly rent; then, they use 500 yuan for food, 180 yuan for commuting to and from work, and 320 yuan for cigarettes and cigarettes. We see a college student who came out of a great northwest ravine, and his parents tightened their belts to support him for 18 years before graduating. After work, he couldn't even send 100 yuan a month back to his parents. Speaking of which, are we a little bit human?"

When Summer said this, her eyes were already ruddy, and none of the people present interjected.

He continued: "The problem is: in his theoretical salary of 1,400 yuan, he has to cut out a piece that is linked to the deposit, and another piece that is linked to the collection of loans. If he is resolutely assessed, he will not be able to eat three meals. As we all know, in the theory of enterprise management, an important principle is to find a balance between the welfare mechanism, the incentive mechanism and the constraint mechanism. Therefore, I set some conditions in my management and appraisal plan, one of which is that when the basic living conditions of employees are not met, the appraisal will be stopped. ”

Summer's speech caused a shock to the people present, except for Director Chen Wanwan, everyone else seemed to be writing something in the notebook. At this time, Song Elite said, "Section Chief Xia, you brought me last month's plan report." ”

Summer glanced at him, did not get up, but continued: "Let me say one more thing, you may know better about the mental outlook of our employees. All positions in my section are set up like taxi drivers, in order to survive, there is a main shift and a deputy shift. We call it the main post and the assistant post, which means to ensure efficient operation and mutual supervision, but in the purpose of setting, it is not excluded that there is a factor to maintain competition. Last year, our credit office Wang Yang was found to have infiltrative tuberculosis, and she did not dare to treat the disease publicly, and on the days when she had to go to work from Monday to Friday, she went to the Luohu District Chronic Disease Station to deal with it after finishing her work. On Saturdays and Sundays, I went to the Nanshan District Chronic Disease Station, which is closer to my home, for detailed treatment. You see, the mental stress of our employees can be seen. ”

At this time, Song Elite stared at his two big eyes and looked at Xia, and said unhappily, "You don't want to give me the report, right?"

Summer looked at the expressions of Wang Xianyao and Wan Wan respectively, but they didn't react, and Summer treated the Song elite coldly.

This kind of cold treatment is tantamount to a humiliation for the Song elite. After this battle, he finally failed to gain a firm foothold in the Citizens Bank, and a few days later, he packed up his bag of luggage, which had not traveled in all directions, and went to Zhuhai like the abbot of Yunyou, to see if there was a place for him to stand. -- That's a later story.

At this time, Han Xiaoniu came to the president's office and said to Xia, "Manager Xia, there are already three batches of customers waiting in your office. ”

"Okay, I'll be right here. Summer answered Han Xiaoniu first.

Xia felt that he had poked the leak open, and it should be issued by President Wang, and he could go, so he said to everyone: "I'm sorry, I'll go out and deal with it first." ”

In the summer, when I returned to the office, I discussed with Wang Yun, general manager of Bei J Yunxiang (Shenzhen) Development Company, who was waiting there, who planned to repay a loan of 2.5 million yuan, Chen Daming of Shenzhen Baoan Shunpeng Industry and Trade Company, who repaid a loan of 1 million yuan, and Lieutenant Qiao of Shenzhen Huha Textile Co., Ltd. to discuss the three customers who borrowed the new and repaid the old loan of 2 million yuan.

When talking about the problem of Shenzhen Huha Textile Co., Ltd., Xia called Shu Guangrong, the loan officer in charge, to come to the office to participate in the discussion.

After talking, Summer said, "The recipe you want for burning stomach pain, give it to you?"

Shu Guangrong said: "Okay! I can't ask for it. ”

In the summer, he handed the written prescription to Shu Guangrong and said that he would try four doses to see if it had any effect.

Shu Guangrong opened it and saw that it was written:

Shu Guangrong, adulthood

30 grams of agarwood, 10 grams of citrus aurantium,

9 grams of white peony, 9 grams of poria cocos,

6 grams of myrrh, 9 grams of Chuanpu,

9 grams of incense, 4 grams of sand kernels,

6 grams of tanpi, 3 grams of boiled sweet.

Four doses, decoction in water, one bowl in the morning and one bowl on an empty stomach in the evening.

After Shu Guangrong left, Xia thought: The mess of ten thousand people has its own Wang Xianyao and Chen homework to coordinate there. I don't have to go, I'm happy to be quiet. (To be continued.) )