On February 4, 1998, the eighth day of the first month of the Wuyin year of the lunar calendar, the beginning of spring. Pen ~ fun ~ pavilion www.biquge.info

Today is the day of returning to work after the Spring Festival, at 8 o'clock in the morning, and the summer arrived at the branch on time. After arriving at his office, he wiped the table a little, Han Xiaoniu, a confidential officer in the branch office, and Gao Shang, a newly transferred accountant from the finance office, first came to pay New Year's greetings, and in the summer, according to the practice of previous years, they each gave each of them a red envelope. Then, Wang Yang, Li Guolan, and Shen Ping became the second echelon of New Year's greetings to the summer, and they also fulfilled the usual congratulatory procedures. Then, Xiong Zilun, Ren Erwei, and Li Chaoyang also came to pay New Year's greetings.

In the ranks of party members, Xu Aiqun, director of the office, is more special this year, after going to the president's office to greet the presidents, she also came to the door of the summer office, stood and said: "Give our Xia manager a New Year's greeting! Wishing you prosperity, bring the red envelope?"

Summer stood up with a smile, arched his hand, and said in a funny colloquial: "Tongxi, Tongxi, it depends on you to get rich!"

After speaking, Xu Aiqun was invited into the office, and the two of them smiled for a while. Later, this Xu Aiqun went to the next house to congratulate the New Year.

After a while, party members and comrades Xie Bing, Wang Wei, Xie Hong, Zhang Hai and others from the branch office also came to pay New Year's greetings. For these ordinary employees who come to pay New Year's greetings, as in previous years, as in previous years, as long as they step into his office, they will be given a red envelope of 100 yuan per person. If you don't set foot in the summer office, no matter who it is, even if it's your direct subordinates, even if you do a good job on weekdays, you won't be given any benefits.

After the New Year's greeting ceremony was almost done, I went to the loan officer's office and the planning office in the summer to learn about the Spring Festival experience of my colleagues. Later, I went to the confidential room and the financial office of the sub-branch as a return gift to them to congratulate them on the New Year.

There is a characteristic of summer, from the Hubei Financial Services Society, he has been working in the Hubei branch for four Spring Festival, every day of work, except for the summer to accept the president's start at the door of the business hall, take a pre-start and will go to the business hall, generally will not set foot in the office on the first floor half a step. The reason for this is that although there is not much to do in the summer, I rarely go there on weekdays. However, people who don't have a lot of things are more likely to arouse the thoughts of their colleagues. So sometimes, when I go to the sales department occasionally in the summer, many comrades will stand up and say hello to the summer. If the start of work after the Spring Festival goes down on this day, if the people present all of a sudden get up from their seats and say: "Get rich in the New Year, bring the red envelope!"

At this time, it is not right for you to give, and it is not right to not give, it is a very embarrassing scene.

What makes others difficult to understand is that at this time of the year in summer, the sales department with a large number of people does not go to the sales department, and the ordinary employees working here maintain respect and support for the summer.

In the afternoon, Wang Xianyao came to the summer office with a smile on his face, and the two of them started a homely routine very intimately.

After Wang Xianyao left, Xia thought: "President Wang's attitude towards the issue of whether to accept gifts on holidays is very similar to mine. This Spring Festival, I didn't give him a gift, not only did he not give me small shoes to wear, but came to get close to him at the first time. Truth be told, that's what people who do business should be. At present, the head of some offices and offices of the head office is crooked in his speech and work, and the key problem is that the following salutes have not arrived, and they have not been smooth. This point, in addition to not daring to compliment the moral character of the parties, is also one of the adverse consequences caused by the short-term behavior of many units and enterprises in Shenzhen. ”

On the morning of the next day, the sub-branch held an executive meeting in full swing, and Wang Xianyao and Chen Jiao worked intensively to deploy the work of the whole year. This also corresponds to the attributes of the tiger whose zodiac is the Year of the Tiger, which is really a bit of a tiger.

This meeting is not an ordinary meeting to gather after the holiday, get together, and say hello, but a meeting to implement the overall work requirements of the Citizens' Bank before the Spring Festival, mainly to take measures to curb the momentum of the decline in deposits.

Wang Xianyao and Chen Jiaojiao made a plan to adjust the deposit task of the Planning and Credit Section to 12 million yuan for the section chief, 8 million yuan for the credit field staff, and 4 million yuan for the internal staff, and linked all floating salaries to the deposit task.

Summer said at the meeting: "In terms of this task number, it is not a big number, and I can do it personally." Under normal circumstances, the loan officer should also be done. The problem now is that all floating wages are only linked to this task of saving, and it seems natural that the savings are good and the wages are paid in full, but the savings are not enough and the wages are not even. But don't forget, what is the main thing we have to do? In a general sense, it is impossible to increase the deposit. Then, if whether this work is done well or not has nothing to do with eating, I don't think the distribution of benefits and wages is necessarily scientific. On the other hand, a sub-branch like ours basically does not develop much new business, so where does the increase in deposits come from? I remember that when the document of the second new salary plan of the head office was issued, everyone was holding a meeting in the Shenzhen Hall. That day, Han Xiaoniu sat with Gao Youhua after receiving the documents. Gao Youhua read the document, gasped, and muttered in a low voice: 'What are you doing, what are you doing?' That's why I say that when an enterprise maximizes the proportion of performance-based wages, whatever tasks are assigned by the unit are all benefit distribution relationships. ”

Wang Xianyao explained: "This year, we still have to pay attention to the development of new business, and we have to walk on two legs. Like mortgages, discounts, or whatever, we still have to do it. Of course, what Lao Xia said just now is not unreasonable, and we just hope that everyone will discuss and reach a unity of thought. Now the problem is that the third salary plan of the head office has been issued, with the fixed part accounting for 20% and the rest being variable wages. For this point, everyone is required to be mentally prepared, and second, to understand positively in a positive sense. ”

……

After the meeting of the sub-branch, the two presidents reduced the summer deposit task as the head of the planning credit section to 10 million yuan.

In the summer, the company has just started work after the Spring Festival, and the company's activities are still not normal, and the work plan for the department to open up a new situation in the new year is being considered.

Summer thought: First of all, it is a question of the enthusiasm of colleagues. According to the new salary scheme of the Citizens Bank, the average salary of credit staff will be reduced by 10%, and if they are blindly pressed and forced to work at this time, the effect may be counterproductive. You must have a clear understanding of this, otherwise you will become a loner. In this regard, it is necessary to make a work plan to restrain oneself and not to go beyond the mine. The second is that the "Attendance Test Score Scoring Method" should be adjusted in response to the new salary plan, and the whole subject should be mobilized to carry out discussions. As an organizer, we must always consider the balance of welfare mechanism, reward mechanism and constraint mechanism in enterprise management. The third is the idea of launching deposits, in the final analysis, it is more difficult for the branch to do new business than to ascend to the sky, which is not surprising because the manager looks at the problem from a different angle, and complains that no one is good. So, can old loans from a few years ago still be converted into deposits? Yes -- we should work on this from here, and the most urgent thing is to write a proposal for the president's reference.

"One meeting, two materials, should be completed before the New Year's Festival. "Summer told myself in my heart.

Summer took out her diary, turned a new page, wrote: "February 9, 1998," and wrote:

It seems that 1998 was a year full of challenges and pressures, and the main tasks were to organize deposits and collect the principal and interest of old loans. In addition to the pressure to survive, there are some other downsides: the governor is also worried about my growing popularity and success. There are three bases: First, when the sub-branch reported on the study situation of the personnel and education department of the head office, the president changed his mind after approving the application in the document that I should handle it, and the president took back the order and reported it to the president himself; second, after I became an outstanding Communist Party member of the head office, the president's direct involvement in the credit department increased; on the other hand, he created public opinion that there was a problem with the "image" of the head office. The third is that when it comes to dealing with tough issues, it still pushes me to the forefront. The "faults" and "wrongs" in the "merits and demerits" all make me bear them solidly. However, when the relevant comrades of the relevant departments and offices of the head office came, they did not necessarily allow themselves to meet with them. In the final analysis, the president is afraid of my professionalism and that I will be too close to the head office.

Considering the idea of a major shift change in the head office system, there are several points that should be paid attention to in the work in 98 years:

1. Hold steady. Ideologically, try to consider people from the system with the undergraduate staff, and do not overly criticize some of the phenomenon of late arrival and early departure from work and some things in life, so as to avoid the situation of superiors and horizontal loopholes. I should meet in meetings and other occasions as much as possible in the internal and external departments and offices of the Section, and do not express undue opinions and opinions, and leave room for reporting so that all parties can recognize my sincerity and tolerance.

2. Enterprising. Be aggressive in new business areas. The work still needs to be done, but the methods should be paid attention to, and the phenomenon of subordinate personnel asking for merit and rewards from the president should be avoided as much as possible. For subordinates who are more obvious on this issue, they should constantly distance themselves from them in behavior, so that such people feel embarrassed.

In the collection work, attention should be paid to grasping the collection of some auction items. If the president decides to have the lawyer clear, then the positions of the department do not need to exert too much effort to avoid the phenomenon of merit.

3. Relationship with the president. Governor Wang's moral character is good, and he should be supported in his work. There are supportive, reserved, subtle, and leeway in the handling of relationships.

4. Relationship with subordinates. It is necessary to pay attention to the problems of low wages and high work pressure of subordinates, and grasp the basic masses: Ren Erwei, Wang Yang, Shen Ping, Li Guolan, and Shu Guangrong. For Xiong Zilun and Li Chaoyang, we must pay attention to control. Among them, Xiong Zilun's work should be done by her, and attention should be paid to letting the president's opinions be directly fed back to her; as for Li Chaoyang, we should pay attention to his hypocrisy and his penchant for inviting merit, and let him realize that if he does not change, it will not be beneficial to himself.

5. The relationship with the counterpart office of the head office: the planning department, the credit department, and the asset loss prevention department is a pragmatic relationship, and attention should be paid to the implicit response.

Generally speaking, as long as you grasp the above points, I think the situation will be better.

After writing this diary that restrained his words and deeds, he took out a letterhead printed with "Citizen Bank Hubei Branch" and wrote:

Proposal for adjusting the interest rate on overdue loans

President:

After the People's Bank of China lowered the interest rate on loans (including overdue loans) on May 1, 1996, the Bank still had a monthly interest rate of 156.9 million yuan at 18‰, accounting for about 40% of the total loan balance. This is of positive significance in safeguarding the rights and interests of the People's Bank and sanctioning overdue loan accounts under the condition that the cost of funds is relatively high at that time. With the changes in the external environment of funds in the past two years and the extension of the overdue time of loans, the following problems have been problems in continuing to implement the penalty interest at 18‰:

1. It will make it difficult for the management team at the head office and branch level to explain to shareholders. Judging from the current auction of collateral, there are not many debtors' assets that can maintain the loan principal and normal interest. As a result of the large amount of interest receivable, even the interest on the collateral cannot be paid off in the future, and the remaining principal and interest can only be written off, which increases the adverse impact.

2. Objectively, the borrower bears the cost of about 25‰ monthly interest rate when taking out the loan, and continues to calculate compound interest when it is overdue, which is also this level. It is unlikely that the assets of a business will increase in value at this rate and will therefore end in liquidation. In this case, it is also difficult for the bank to receive the interest on the account.

3. From the perspective of the assessment system of our bank, if our bank still maintains the penalty interest of 18‰, it will not help the operating results, but it will have a negative impact on the relevant indicators such as "interest receivable recovery rate" and "increase in arrears of old loans in the current year", which will directly affect the welfare of all employees of the bank. At the same time, it also reduces the space for coordinating interest settlement and adapting deposits with old borrowers.

Although the penalty interest of 18‰ implemented by our bank was approved by the credit officers at that time, it was still quite arbitrary. In addition, when it comes to loans, there are many cases where financial service cooperatives and enterprises reach a consensus, so the characterization of "misappropriation" has led to strong opposition from some borrowers. In September 1996, in accordance with the spirit of the joint meeting of the planning, credit accounting and other departments of the head office, after correcting the behavior of calculating interest at 18‰ for all enterprises for the first time, the court still agreed to calculate interest at 18‰, and when the court made a judgment, it was indicated: "The judgment shall be executed when settling the settlement", leaving room for flexibility.

According to the above situation, it is recommended to gradually unify to the reason based on legal documents, and adjust the overdue loan interest rate to 12‰ for implementation.

If you can agree, you can send another notice for the sales department to implement.

Planning Credit Section

9 February 1998

After the article was sent to Wang Xianyao for reading, he gave instructions on February 10:

I agree with the credit department. However, whether to talk to the head office before doing it.

Wang Xianyao

2/10

After reading Chen's homework, he returned the approved article to Summer, and after the two discussed, they decided to write a request document to the head office to see what the attitude of the above was. (To be continued.) )