237. The mystery of loans to related households

In the president's office of the Hubei branch, Wang Xianyao was doing ideological work in the summer because of the loan procedures of Shenzhen Shunqun Trading Co., Ltd., a related household. Pen, fun, and www.biquge.info

Wang Xianyao said: "I also know that this customer is relatively reluctant. However, if you look at the composition of our bank-wide deposits, you can see that there is a lot of relationship with the introducer of this client. If we grasp it from the perspective of efficiency, this loan will not be repaid, and we will still have benefits. ”

Summer said, "I understand everything you say. That afternoon, in fact, Li Guolan and I agreed to do it to him. If I had been asked to deal with it during the period of the Financial Services Agency, the loan would have been discharged. In other words, if this bank is mine, I will be unequivocal and give him the bill within half an hour. However, the problem encountered by the current people's banks is that a set of systems is put forward like a sword in a high-sounding manner, and not only when examining and approving loans, the departments concerned take pains to compare them with each other, but also after the loans are released, there are two departments that use the system as a whip and are always looking for the ass of the person in charge to beat them. Therefore, the head office does not have a mechanism to weigh the interests of the whole. You see, during the period of the financial service cooperative, the interest rate spread was not convenient to go to the bank's big account, and there was also such a curve to save the country, and the loan was used as the interest rate difference fund to absorb deposits. But today, only the loan has not been recovered, and the reason for the loan in the first place is rarely analyzed objectively. Then, the person concerned is very uncomfortable. ”

Wang Xianyao said: "So, what is the way for Shenzhen Shunqun Trading Co., Ltd. to pass the customs smoothly?"

Xia said: "Didn't we encounter a lot of problems when we sent the loan to the head office last time, and then you coordinated endlessly before approving it? This Jiangxi girl is a very good person, she said to me: 'Section Chief Xia, you are stupid, the company's report, don't you make everyone dumbfounded? When the financial statements of enterprises are in the hands of professionals who examine credit operations, it is not possible to say that they cannot be done. Similarly, the loan officer should not explicitly ask the company to make a fake. -- Here's the problem. ”

After hearing this, Wang Xianyao said with a smile: "I will coordinate the two ends: on the side of Shunqun Company, I will make a little bit of his deposit, and you will do the materials." When it was sent to the head office, I reported to President Shen and them, and talked about the benefits and possible losses of the bank, so as to obtain the support of the head office. ”

Summer said, "Okay. ”

After a pause, Wang Xianyao said again: "The Li Hui you are familiar with left the Citizens Bank yesterday. ”

Summer said, "Oh, didn't you come to us the other day?"

Wang Xianyao said lightly: "The head office issued a document asking him to be the assistant to the president of the newly established Guanlan sub-branch. When he saw the document, he immediately asked President Huanglu to resign. The next day, he reported to his former leader, President Gu. ”

Summer said approvingly: "There are characteristics, he is a man." ”

Wang Xianyao said: "Wang Hua of our bank, when handling personnel business, seems to have found a good home, and will leave the Hubei branch tomorrow." ”

Summer asked, "Where does Wang Hua go to work?"

"It seems that I went to a listed company to be the general manager secretary or something, I didn't ask in detail. Wang Xianyao said calmly.

After hearing the news in the summer, I also felt that people like Wang Hua and Bu must have no true feelings for their colleagues. Summer thought: Are they because the sweat glands of their feelings are immature, or are they old in accidents and have a particularly high sense of self-protection, so that they do not leak?

Wang Xianyao saw that Xia was pondering, and asked, "What's the matter, you and Wang Hua have been working together for a while, and she is gone, you feel a little lost?"

Summer came back to his senses and said to President Wang, "This is the first time I have heard this news, and I am looking at human nature from a geographical perspective. That is, when you came to inspect the team of the Hubei branch, I talked about the problem of 'one side of the water and soil to nurture one side of the people'. ”

Wang Xianyao asked, "What do you say?"

Xia said: "For Wang Hua, Zhuang Yu once said to her: 'The people in your place don't make a good impression on me. But you are an exception. I'm helping Zhuang Yu analyze whether she is an exception or an exception. ”

Wang Xianyao jokingly asked, "What was the result?"

Summer smiled and said, "In the words of a drunk, it is: 'Angelica wine, nothing to say!'"

After Xia finished speaking, with Wang Xianyao, you look at me, I look at you, and I am smiling knowingly.

Later, he said to Xia: "There is another thing, which was assigned by President He of the head office, she arranged for a person to work in the bank, his name is Shen Ping, he is a college student, and he will report tomorrow." I discussed it with President Chen, considering that the Qiao family is gone and Huang Hualin is not here, Shen Ping will go to you, and you can arrange his work then. ”

Summer said, "Okay." (To be continued.) )