"Minister Xia, hello!" Early in the morning, Zhu Renkang came to Hubei Financial Services with a short man to greet Xia. Pen, fun, pavilion www. biquge。 info

Summer said enthusiastically, "Please be seated, Lao Zhu." This is—"

Zhu Renkang hurriedly introduced: "He is my new colleague, Mr. Chen Xianxian, vice president of Shenzhen Shenshan Chemical Co., Ltd. ”

Chen Xian immediately nodded to Xia and said, "Manager Xia, hello!"

Summer hurriedly invited the two of them to sit down, and he was carefully looking at the loan information he provided. After reading it, Xia felt that except for the difficulty of applying for a loan amount of 6.5 million yuan, the other conditions were very good: there was a real estate in an industrial city as collateral for the loan, and the ratio of deposits to loans was 65%, and the deposits were introduced into the financial service society by themselves. In this way, you can enter a fixed deposit of 10 million. Summer thought, where to find such a loan customer who is generally not at risk?

So, Xia said to Zhu Renkang and Chen Xianxian: "I can accept your loan conditions, but 6.5 million yuan may be a bit technically difficult, and I have to ask the boss to decide." The main reason is that the People's Bank of China has regulations that a single loan cannot exceed 30 percent of the share capital of the financial service cooperative, and our share capital is 18 million yuan, that is to say, a single loan cannot exceed 5.4 million yuan. Everything else I passed. ”

Zhu Renkang and Chen Xianxian didn't expect the summer to be so happy, and in less than half an hour, they decided on a loan of 5.4 million yuan, but they expected to borrow more, Chen Xian glanced at Zhu Renkang, and said to Xia: "Manager Xia, we are so close to the financial service agency, and there are many opportunities to deal with it in the future." When we came, our boss Ling Hua told me that the mortgage of such a large industrial city should be able to borrow 6.5 million. If it's less, it's hard for me to say when I go back. Can you work around?"

Summer said, "Well, let's go see Mr. Zhuang together." ”

So, Xia took Zhu and Chen to Zhuang Yu's office, Xia asked the two to wait outside first, Xia talked to Zhuang Yu alone for ten minutes, Zhuang Yu said after listening to the report: "Just do the loan procedures of 6.5 million yuan and complete it." ”

Summer opened the door and called Zhu and Chen in. Zhuang Yu saw the two and said: "I heard that Zhu is always Manager Xia's old colleague, I am very relieved, the loan procedures will be done with a limit of 6.5 million, and the account will be issued before next week." Because Manager Xia and I have something to go out next week. ”

Summer didn't know what Zhuang Yu said he was going to go out next week.

Zhu Renkang said: "Okay, let's start the operation in the afternoon." ”

Summer was about to leave Zhuang Yu's office, Zhuang Yu's phone rang, Zhuang Yu picked up the phone: "Hello!

"Hello, is Manager Xia there? I'm Mr. Liu. Said on the other side of the phone.

Zhuang Yu handed the phone to Xia and said, "Looking for you." ”

Xia took the phone, heard the voice of the willow tree, held down the microphone, and asked Zhuang Yu: "Mr. Liu of Shenzhen Jianhua Company, they are mainly engaged in taxi operation, and there will be cash flow in the future, do you want to see him?"

"Okay, tell him to come up!" Zhuang Yu said.

Xia said to the phone: "Mr. Liu, can you please come directly to Mr. Zhuang's office?"

Willow said, "Okay!"

Xia put down the phone, exchanged some words with Zhu Renkang and Chen Xian, and sent him to the elevator door. Just then, Willow took the elevator up, and Summer led them to Zhuang Yu's office and started talking.

More than an hour later, Xia Xia guided them downstairs to prepare to open an account at the sales department, and came to Hubei Road to take a look: Good guys! On the road more than 100 meters back from the entrance of Hubei Financial Services Co., Ltd., dozens of brand-new unlicensed taxis are neatly lined up in a long snake formation, which is refreshing.

In the summer, Willow opened a settlement account and agreed to talk about it another day.

In the future, he climbed another high branch, and in the same Hubei Financial Services Society, he fell in love with Xu Donghai, who was accidentally introduced to him in the summer, and fished out more than 4,000 loans from him.

In the afternoon, Xia called the loan officer Ou Zhongzhong to organize the investigation report of the Shenshan Chemical Company, and asked Zhu Renkang to quickly organize the deposit.

Zhu Renkang is not ambiguous, and the next day he called Accountant Zhang of Hyundai Computer Company to deposit 5 million yuan and convert it into a one-year fixed term. Hubei Financial Services also approved the loan procedures and went to the Longgang Land Department to register the mortgage, and the Land Bureau's receipt said that it would take a week to get the results. After returning, Ling Hua, the legal representative of Shenshan Chemical Co., Ltd., made a phone call to the leaders of the Land Bureau, and the other party promised to go back tomorrow afternoon to get the registered loan contract.

In this way, on the afternoon of the day when the loan contract was returned, the loan of Shenshan Chemical Co., Ltd. was 3 million yuan. That night, Linghua was very happy and invited Zhuang Yu and Xia to have dinner at the Dorsett Hotel in Shenzhen.

A few days later, Linghua introduced a deposit of 5 million yuan from a municipal government agency to deposit it in Hubei Financial Services Co., Ltd. for one year, and loaned 3.5 million yuan to Shenshan Chemical Co., Ltd. in the summer. Before asking Zhuang Yu to approve the loan, Xia wrote a "Memorandum on the Analysis of the Gross Profit of this Loan", which contains: the calculation of the net gross profit of the loan, the calculation of the small account income of the loan, and the calculation of the marginal contribution of the other 35% of the deposit cited by the loan. Wait a minute.

The original intention of the summer was to check for Zhuang Yu and other management teams. After Zhuang Yu saw it, he felt that he was very satisfied with what he did in the summer. From now on, it is required that all loans of the service agency must be written in such a calculation sheet when approving as the basis for the entry of small accounts.

After Zhuang Yu approved the loan, he took out the "Plan Position Table" from his briefcase, and said to Xia very seriously: "You can help me analyze, can our company still lend money now?"

Summer looked at Zhuang Yu, a veteran graduate of the Central Institute of Finance and Economics, with a little surprise, and felt that he was sincere, so he took the position sheet and looked seriously.

On this table, the deposit is 160 million yuan, the loan is 70 million yuan, and the ratio of deposits to loans is 40%. However, the table does not reflect the classification of the maturity of the deposit and the status of the funds that may be disbursed in the near and medium term;

After reading it in the summer, he said to Zhuang Yu: "In terms of the ratio of deposits to loans on the table, we can still make a loan of 40 million yuan, but our funds are flowing, and making a plan is to judge the degree and speed of its flow." Therefore, this table should be changed in the future, and it is necessary to judge and predict the situation alive, so as to enliven the plan. ”

Zhuang Yu pushed the boat down the river and said: "If you want to make some efforts in this regard, those who can work harder will fall on you." ”

On the day of the loan of Shenshan Chemical Co., Ltd., Zhu Renkang said to Xia: "You made this loan, and the deposit is counted in your name, right?"

Summer smiled and asked him, "It's my deposit task assessment." What do you want to say?"

Zhu Renkang said: "There are conditions for us to introduce deposits. This loan is done, and we have nothing. ”

Summer said calmly: "I personally never asked for anything. ”

Zhu Renkang said: "Thank you for helping me. ”