On the morning of the next day, Wang Xianyao organized a meeting of middle-level cadres. Pen "Fun" Pavilion www.biquge.info

Wang Xianyao said: "I will talk about a few things today. First, yesterday, President Gu Dingli of the head office came to our bank to investigate and secretly visit, and found some problems in the service attitude and service quality of our bank's security and security, business department, and savings department. Second, the head office recently held a personnel meeting, and we were very concerned about our bank, and sent five people, three of whom are master's students, I think the main thing is to strengthen credit, and initially arrange Huang Hualin and Qiao to go to credit, Lao Xia, you arrange their work. Liu Aihua of credit was transferred to the sales department. Third, the current work, I would like to emphasize a few points: (1) The work discipline of employees is the most basic requirement, and everyone must do a good job. (2) The credit department does not seem to have the vigor it used to be, and the Shenzhen 38 joint-stock company has made a deposit of 30 million yuan, but has not completed the procedures for borrowing the new and repaying the old, is it a little emotional? The Jianhua company originally borrowed more than 40 million yuan in loans, but almost all of them were overdue, but they did not come in to make up the deposits. So, our work isn't in place yet. (3) We must coordinate with the counterpart office in place and strive to do a good job. If you don't work hard to do a good job, it is tantamount to cutting yourself off. Please take care of this question yourself. ”

After Wang Xianyao finished speaking, Chen Jiajiao added: "The work of our bank, the sales department, the savings department, and the office have no way to issue indicators, and the planning and credit department should start to use the index assessment system in November, but it is still extensive: the increment of 25 million deposits and the collection of 25 million old loan principals will be completed in the whole month, and 50 million yuan will be borrowed outside the system. Lao Xia, what do you think?"

Xia said: "The deposit increase of 25 million yuan can be completed, but the loan collection of 25 million yuan is unlikely, can the deposit increase be converted into the loan collection amount? For example, if the deposit is increased by 40 million yuan, the settlement volume will be regarded as the completion of the task when the amount of repayment reaches 10 million yuan, and vice versa?"

Chen homework looked at Wang Xianyao, Wang Xianyao looked at Summer, showed a smile, and said in his heart: "It's a good thing to finally let Summer use his brain." And he said: "I am not very mature with the homework, and the specific benefit-linked plan is being formulated by President Chen, and everyone can discuss it." A general principle is to help the sub-branch expand its work results. ”

Summer smiled and said, "Okay, okay! ”

After the meeting, Xia returned to his office, pondering Wang Xianyao's speech, thinking that some of the words were directed at him. Speaking of the part about coordinating relations with his superiors, he apparently blamed himself for some of the crooked practices of the credit office.

Summer told himself in his heart: "Recently, try not to deal with the credit office, let President Wang touch it himself, when he has three or two troubles with the credit office, he will understand what is going on." No rush, let alone explanation. ”

In the Hubei sub-branch, the two presidents and credit officers are busy doing two things, one is that Wang Xianyao personally grasped the work of adding 8 million yuan to the submission of new loans to Anyan Automobile City Co., Ltd., and in the summer, Li Chaoyang and Wang Yang were assigned to assist the president in improving the loan submission materials. In the summer, he was writing a request to repay the loan according to law. These two things are very urgent, and Wang Xianyao asked to go to the general walk together in the afternoon.

Summer began to write:

Instructions on the proposed prosecution of nine loan enterprises

Legal Department of Head Office:

In the past two months, our bank has carried out a more systematic clean-up and collection of loan principal and interest on the loans of the former Hubei Financial Services Society. However, in the work of collecting old loans, we have encountered great difficulties, and at present, our bank's funds are in a very tight situation. In order to eliminate credit risks in a timely manner and alleviate the difficulties of tight funds, our bank plans to prosecute nine enterprises by repaying loans in accordance with the law. The situation is as follows:

1. Xingsheng Printing and Packaging (Shenzhen) Co., Ltd

Zhou Xingsheng, the legal representative of the company, on December 1, 1994, the company borrowed 4.5 million yuan from our bank, which expired on June 1, 1995. The outstanding interest is 269,000 yuan. The collateral is the real estate of Shenzhen Risheng Jewelry Co., Ltd., No. 00582480 Shenfang Dizi, located on the sixth floor of SEG Science and Technology Park, with an area of 630 square meters and an appraised price of 6.39 million yuan. It is understood that the company has recently been sued by the Agricultural Bank of China and the Development Bank for loan disputes, and its office address: 19th floor of the Development Center Building was seized by the people's court. Based on this situation, our bank has negotiated with Mr. Zhou Xingsheng, and he said that the company has repaid our bank after the loan to other places, but it has not been implemented so far, and if it continues to wait, the collateral of the loan may form a recourse creditor's right after processing, and it will be recovered together with other creditors. Therefore, the company should be sued early.

2. Guizhou China Merchants (Shenzhen) Development Co., Ltd. and Shenzhen Taishan Industry and Trade Co., Ltd

The legal representative of the above two companies is Shao Hua, and Guizhou Merchants (Shenzhen) Development Co., Ltd. is the window of Guizhou enterprises in Shenzhen, which is subordinate to Guizhou Merchants Corporation. The loans of the two companies are as follows.

On October 7, 1994, Guizhou Merchants (Shenzhen) Development Co., Ltd. and its head office mortgaged 8 sets of commercial houses in Gaojia Building (actually 9 sets), 8 sets of 1003.5 square meters, with an appraised price of 10.21 million yuan, and mortgaged a loan of 8 million yuan, of which Guizhou Merchants (Shenzhen) Development Co., Ltd. loaned 5.4 million yuan, and another 2.6 million yuan was borrowed by Taishan Industry and Trade Company by way of transferring mortgage rights.

On November 8, 1994, Shenzhen Taishan Industry and Trade Company borrowed 1.5 million yuan, of which 101.61 square meters of Tianjing Garden commercial house owned by Shao Hua was appraised at an appraisal price of 828,600 yuan, and a loan of 600,000 yuan was mortgaged, and a loan of 900,000 yuan was mortgaged with 206.3 square meters of Huachang complex building in Nanshan by Taishan Company, with an appraisal price of 1.198 million yuan.

On February 14, 1995, Shenzhen Taishan Company mortgaged 2 million yuan with its 1 million shares of Zhongkejian legal person shares.

On February 16, 1995, Shenzhen Taishan Company was guaranteed a loan of 3.4 million yuan by Guizhou Merchants (Shenzhen) Development Co., Ltd.

The above total loan is 14.9 million yuan, all of which are due, and the interest is still 1.265 million yuan. The judicial representative Shao Hua failed to fulfill his promise to repay the loan on several occasions, and recently went to court because of a conflict with the Guizhou China Merchants and Development Corporation. The deadline for our latest collection notice is the 18th of this month. Because the real estate mortgage procedures of Guizhou China Merchants (Shenzhen) Development Co., Ltd. were handled by Guizhou China Merchants Development Corporation, the collection letter has been faxed to Guizhou, and if there is no progress before the 18th of this month, it is also planned to resolve it through litigation.

3. Shenzhen Guoxin Daiyuan Industrial Co., Ltd. and Angel Industrial Co., Ltd

From November 3 to 10, 1994, Shenzhen Guoxin Daiyuan Industrial Co., Ltd. loaned 6.5 million yuan to our bank, which expired on May 9, 1995, and still owed 578,000 yuan in interest. From January 17 to 20, 1995, Shenzhen Angel Industrial Co., Ltd. borrowed 6.5 million yuan from our bank, which expired on July 20, 1995, and the interest arrears were 223,000 yuan. The loans were used by Guoxin Daiyuan Industrial Co., Ltd. The collateral was 10,949 square meters of land agreed by Guoxin Daiyuan Company in Nanshan Keyuan, and the appraisal price was 17.17 million yuan at that time (Shen Fang Di Zi No. 03028930). The above-mentioned two companies linked the Bank's loans due to the issue of registered capital, and the angel company also requested to resolve the problem through litigation.

Fourth, Shenzhen Baoan special commodity sales company

Chen Zhenghe, the legal representative of the company, borrowed 3.5 million yuan from our bank on June 17, 1994, which expired on June 17, 1995, and mortgaged two comprehensive buildings owned by the company in the sixth district of Bao'an City, including: No. 1 comprehensive building, house ownership certificate number: No. 109792330, with an area of 826 square meters and an appraisal price of 6.03 million yuan. No. 2 complex building warrant number: No. 109792380, with an area of 180 square meters and a value of 900,000 yuan). Due to poor management, the company still owes 376,000 yuan in interest. It is alleged that the company owes a number of banks the principal and interest and is unable to repay it, and intends to resolve it through legal means.

5. Shenzhen Anda Equipment Co., Ltd

The judicial representative is Wang Jie. On 23 May 1994, the company took out a loan of 300,000 yuan, which matured in 1995 and on 23 May 1995 with outstanding interest of 15,000 yuan. The collateral is the commercial house of Fangchun Garden belonging to Wang Xinjian, the legal representative of the company in charge of the company (real estate certificate number: 10209965), with an area of 92 square meters and a purchase price of 204,000 yuan. Chubb has withdrawn to Beijing, and the mortgage is only notarized, and the mortgage has not been registered.

Sixth, Shenzhen Yijiang Chunshui store

On October 14, 1994, Su Hua, the person in charge of the store, had a loan of 500,000 yuan, which expired on April 14, 1995, and the interest was still 39,000 yuan. It is mortgaged by Wei Qunying's self-built house in Longgang Buji Daliang Garden (Guangdong Real Estate Shenzi No. 12342071 Ownership Certificate), with an area of 365 square meters and an appraisal price of 1.24 million yuan. After repeated collections, it is invalid.

Seventh, Futian Girl Fangyan Beauty Hall

Zhu Nan, the person in charge of the department, said that on May 25, 1994, the department had a loan of 500,000 yuan, which expired on May 24, 1995, and the interest was still 56,000 yuan. The collateral is two sets of single apartments in Yutian Community owned by Zhunan, totaling 82.22 square meters, with an appraisal price of 600,000 yuan.

The above-mentioned 9 loan households involved a loan amount of 37.2 million yuan and an interest arrears of 2.82 million yuan. We plan to stimulate the repayment of loans by other borrowers through the work of collecting loans in accordance with the law, so that the "two clearances" work of our bank can make progress.

Yes, please approve.

Citizen Bank Hubei Branch

November 3, 1995

After writing it in the summer, he immediately gave it to Wang Xianyao for review, and after reading it, he felt that it could explain the problem, so he immediately wrote on the original manuscript: "Agree to report." "Four words, hand over to Han Xiaoniu for printing in the summer.

When Summer returned to the office, the phone rang, and he picked it up and asked, "Hello!

"Manager Xia, I'm Wu Li, have you forgotten? Wu Li reported her home on the phone.

Xia said, "Hello, Minister Wu, why did you remember to call me?

Wu Li smiled and said, "Shouldn't you call? Don't forget, we are your shareholder, and I am also your shareholder personally." Hey, Manager Xia, I was about to ask you: Will your citizen bank get rid of my share capital?"

Xia also smiled and said: "When you were in the financial services company, you were not afraid, but now you are afraid? Let me ask you: Are your current shares still dark stocks?"

Wu Li said: "Yes! When we turned into the Citizens Bank, Mr. Jiang did not convert our shares into open shares, and they were not dark shares. ”

"There may be some problems in the future, mainly related to whether your company can be sustainable," Xia said. ”

"No matter how much it is!" Wu Li said: "Manager Xia, our company wants to repay the 2 million yuan loan you borrowed there, and we have to take out the real estate certificate to use it." ”

Summer said, "Yes." ”

"Then I'll go back to you after I've sent the money. Wu Li said.

"Okay. ”

It is said that Guizhou China Merchants (Shenzhen) Development Co., Ltd. heard that the Hubei branch was preparing to sue it, and was very anxious, and immediately reported to its competent company, and two days later, faxed a text from the head office in Guizhou to the Hubei branch, and Wang Xianyao read the fax and asked Xia to come to his office.

Summer saw the fax read:

Citizen Bank Hubei Branch:

Regarding the mortgage loan of 8 million yuan from Guizhou Merchants (Shenzhen) Development Co., Ltd. to your bank in October 1994, which has not been repaid until now, our company apologizes to your bank. And request your bank to forgive half a year, and the interest generated during this period will be repaid by our company to Guizhou Merchants (Shenzhen) Development Co., Ltd.

The reasons why Guizhou Merchants (Shenzhen) Development Co., Ltd. was unable to repay the loan on time were: 1. Shao Hua contracted Guizhou Merchants (Shenzhen) Co., Ltd. for a period of 1.2 million yuan during the contract period, and he still owed 1.2 million yuan in contract fees during the contract period; 2. Shao Hua borrowed 4.5 million yuan of the 8 million yuan mortgage loan from Guizhou China Merchants (Shenzhen) Development Co., Ltd. and failed to repay it.

For this reason, our company has filed a lawsuit against Shao Hua in the court, and the court is in trial in accordance with the law. If your bank can give a grace period of half a year, no matter what the situation is, our company will make every effort to instruct Guizhou Merchants (Shenzhen) Development Co., Ltd. to repay the loan of your bank.

Guizhou Merchants Development Corporation (India)

November 8, 1995.

After reading it in the summer, he said to Wang Xianyao: "They said that Shao Hua was the contractor, but they did not go to the Municipal Bureau of Industry and Commerce to correct the business license, on the contrary, the legal representative was Shao Hua." ”

Wang Xianyao said: "Their fax did not give us anything substantial, and they are also fighting a civil lawsuit, which does not affect us to sue it, and we will still do it according to the procedure." ”

Summer said, "Yes." ”

In the afternoon, Wang Xianyao took Chen Jiaojiao and Xia to the credit office first, and Wang Xianyao said to Yi Muzi: "The three of us have come to ask Director Yi today about the problem of messing with Anyan Automobile City Company, the largest lender of our bank. I hope Director Yi will support you. ”

Yi Muzi heard a little about Anyan Automobile City Company, and did not dare to call the shots, so he immediately made a phone call to Feng Laodao, who had become the vice president, Feng Laodao heard that Wang Xianyao personally led the team, and he should also deal with it, and after a while, he came to the small conference room of the credit office, and Wanzhongyi of the credit office also came, so that the three people of the head office and the three people of the branch studied the problem of Anyan's new loan of 8 million yuan.

After listening to Wang Xianyao's introduction, Feng Laodao showed great interest and said, "President Wang really suffered when he went down, I am very sympathetic. Moreover, it is very difficult to get a deposit slip now, and we should strongly support it. ”

After speaking, he hooked his head to Yi Muzi and asked, "Xiao Yi, do you see their information?"

Yi Muzi said: "This deposit slip is not from Anyan Company, and some information needs to be supplemented." ”

Chen explained: "Actually, it's Anyan's. ……”

Yi Muzi listened to Chen Job's words, and said a little bluntly: "A company in Zhongshan is clearly written on the deposit slip, how can it be An Yan?"

Wang Xianyao opened the topic and said, "Director Yi, you see what materials you still have to make, let's go back and improve it." ”

Yi Muzi said to Xia in a nutshell: "Summer, you wait a minute and get back the information of Guangyeda Company that was originally approved." ”

Summer said, "Good. ”

After a while, Wang Xianyao felt embarrassed to stay any longer, so he proposed to go to the legal department. The three of them walked out of the conference room, Wan Zhongyi stopped Chen Jiaojiao and said a few words like this, followed Yi Muzi to his office in the summer, took back the loan report materials of Guangyeda Company that was not approved by the credit office, and came out to the legal department with Wang and Chen.

Wang Xianyao is a different scene in the legal department, whether male or female, they are all showing off their long and short showing off and making jokes. After Chen Jiao sat down, he took out the loan submission materials from Xia's hand and read the credit office's instructions: "I don't agree with the loan." "I feel very unhappy.

In the summer, according to the progress reported by President Wang and the Legal Department, he took out the report of the request for instructions printed in the morning and sent it to Director Shen Lixia. Director Shen watched and listened, and at the end, he said to Wang Xianyao: "We will give you an opinion as soon as possible." ”