In the afternoon, Hubei Financial Services Co., Ltd. held a credit approval meeting. Among the participants in the Pen, Fun and Pavilion www.biquge.info except for Zhuang Yu, Qin Xianhong, Chen Jiao, Chen Shiqing, and Wang Kangkang, only the summer of the second credit department was added.

At the beginning of the meeting, Zhuang Yu said: "We held a special meeting on credit today, although the loans of the three departments are studied, but only Manager Xia alone, my request is that in the future, the loan of the financial service cooperative, Manager Xia will participate in the discussion, to see how to coordinate, try to improve the quality of loans." After the loan study is completed, it is also necessary to take into account that the financial problem is becoming tight again at the end of the year, and there are many things to be done to collect interest on loans and increase deposits. Also, the office relocation, it was originally said that the National Day moved, but now is it better to move before New Year's Day, or is it better to move before the Spring Festival? Is New Year's Day in time? Let's think about it in our minds first. Okay, now come one by one. ”

First, there is the issue of loans.

Xu Donghai of the first credit department submitted a package loan of more than 40 million yuan for eight enterprises in the Shenzhen Jianhua Company system in writing, which was pledged by the operating taxi license. In addition, there are two enterprises: one is Shenzhen Gangzhongyi Co., Ltd., the legal representative is called Wu Shangyin, which belongs to Hong Kong-funded enterprises. It is proposed to borrow 4 million yuan, which is mortgaged by a 152-square-meter residential building in the North Tower, No. 371 Dongshan East Road, Guangzhou, with an appraisal price of 6.08 million yuan. The second is Eighteen Sons Industrial Co., Ltd., which is a private enterprise, and the legal representative is called Li Yinxiang. It was also mortgaged with Jianhua Company's eight taxi operating licenses, and the loan was 2 million yuan.

The above-mentioned loan is calculated based on a deposit-to-loan ratio of 70%, and they themselves want to introduce 70 million yuan in deposits, and after making a loan of nearly 50 million yuan, they can bring 20 million yuan of short-term surplus deposits to the financial service cooperative.

After the bill was proposed, Zhuang Yu asked everyone to express their views.

When it was Summer's turn to speak, Summer said: "I have been dealing with some subsidiaries of Shenzhen Jianhua Company for nearly a year, and when we first opened, one day, cars lined up all over Hubei Road, which was done by this company. Later, I felt that their financing methods were too complicated, and they were busy dealing with the reorganization of the financial services agency, so they hooked up with the first department and prepared to make loans. Let me begin by stating: I have no opinion on who is doing this loan. In addition, I once went to ICBC to learn about the issue of mortgage of operating license plates, which is okay. The problem is: there are two kinds of operating cards in Shenzhen, one is the original value of 140,000 yuan to bid, and the other is 80,000 yuan to bid. It is appropriate to estimate the market value of each block at about 200,000 to 250,000 yuan in the industry. The appraisal report says that the current value is 400,000 yuan, which may be a little higher. However, it is not excluded that the value will increase in the future. The Guangzhou real estate of the Hong Kong Zhongyi Company, according to the appraisal report, is 40,000 yuan per square meter, which I think is high. ”

Xia knows that the so-called "eighteen sons" of the eighteen subsidiaries are the dismantling of the word Li, Li Yinxiang not only has a good relationship with Zhuang Yu, but also is the brother of the loan officer Li Chaoyang, as for why it is associated with Jianhua Company, in the middle, what role Xu Donghai played as the manager of the first credit department, Xia does not know.

Then, Xia reported on the proposed loan projects of the second department: Huanglong International Hotel also had three enterprises to transfer mortgage loans of 16.2 million yuan; Yufeng Jinlong Restaurant was ready to borrow 5 million yuan, but because there was no way to complete the mortgage notarization, they were ready to change it into a guarantee; Shao Hua's two companies originally made a loan of 8 million yuan, but now, they are ready to use two sets of real estate in Huachang Building in Shenzhen and a set of real estate in Tianjing Garden, totaling 2.07 million yuan, with an original value of 1.5 million yuan; Shenzhen Hengjin Trading Co., Ltd., introduced by a department of the People's Bank of Shenzhen, the legal representative is Wu Huohao, and is ready to use the private house of Changfu Garden as a mortgage to borrow 1.45 million yuanShenzhen Zhaoshida Co., Ltd., legal representative Wu Yingwei, is ready to borrow 4 million yuan with factory mortgage; Shenzhen Huha Textile Co., Ltd., legal representative Lieutenant Qiao, is ready to apply for a guaranteed loan of 2 million yuan; Shenzhen Bao'an Welfare Bed Industry Co., Ltd. is ready to borrow 3.2 million yuan with the mortgage of two factories in the industrial park. The above total loan is 33.35 million yuan, and 45 million yuan can be deposited, and the deposit and loan are offset, and the surplus position is 12 million yuan. In addition, Shenzhen 38 Co., Ltd. is ready to deposit 20 million yuan, of which 10 million yuan is used as a supporting deposit to supplement the original loan, and the other 10 million yuan is required to be a mortgage and guarantee loan of 5.4 million yuan. In this way, the second department can enter a deposit of 65 million yuan, and after making a loan, the surplus funds will exceed 25 million yuan.

After the summer report, the participants had two impressions: first, they had not participated in the loan study and wanted to know the situation, but after listening to it, they felt that it was very boring; second, the loan could still relieve the financial pressure in the short term. So, they all expressed their approval. However, Summer knows that the vast majority of these customers are not their own. Sometimes, it's just an increase in your own work. It's not nice to say, to make a loan for these people, I didn't even mix a meal to eat. Of course, I don't like to eat other people's food much in the summer.

Next, Zhuang Yu introduced the proposed loan projects of the third credit department.

The loan preparation projects provided in writing by the third credit department are: Jiamusi Merchants Development Company, the legal representative is Zhang Kangmei, a related account of Heihe Securities, and the loan is 2.6 million yuan. Wang's Industrial (Shenzhen) Co., Ltd., the legal representative is Wang Yi, with a loan of 3.9 million yuan. Dalisi Textile Trading Co., Ltd., the legal representative is Wang Xiaoyi, ready to borrow 2.6 million yuan. Shenzhen Shiyan Merchants Industrial Company, the legal representative is Zhang Yang, and the office building located in Shiyan is mortgaged to prepare a loan of 2.6 million yuan. Baodao Industrial (Shenzhen) Development Company, the legal representative is Zhong Gaoxiong, ready to borrow 5 million yuan. The above total loan is 16.7 million yuan, 25 million yuan of deposits can be introduced, and 8 million yuan of deposits can be left. In addition, the three ministries are ready to handle the repurchase of treasury bonds and the business of lending funds of 40 million yuan, which has considerable income. Yunyun.

After Zhuang Yu's introduction, many people were immersed in joy.

At this time, Xia said: "I express a little opinion, I came to Hubei Financial Services Society, I was valued by the leadership, and now, I also receive a lot of salary and bonuses every month." I always feel obligated to give advice to the leadership, so many of my speeches are just what I can and don't care too much about anything. What I would like to remind the leaders now is that our service cooperatives should attach great importance to the possible payment risks, that is, we should carefully analyze the amount of deposits to be taken away every day, how much can be paid, what is the situation at 10 days, what is the situation at 20 days, and so on. If we take into account the possible problems of ten days and half a month payment, those who take out the business should be closed immediately, and do not affect the payment risk of our normal opening for the short-term interests of small accounts. We can see that after the above-mentioned loans are made, we can get 50 million yuan of surplus deposits, but before and after we have been in business for a year, many loans have been completed for one year, so how much will the supporting deposits take? In my opinion, this is a very serious and serious problem facing our financial service cooperatives. ”

After Xia finished speaking, he saw that Zhuang Yu's face was a little unbearable, so he said in a relaxed tone: "Let me tell you a story, in the past, the person in charge of credit in each of our counties had to go to the city for a meeting every month, and when it was concentrated, it was the best platform for everyone to communicate and ridicule." Once, a comrade in the city said: 'You see, a dozen of us, walking on the street, we don't need to speak, the one is from the mountains, the other is from the city, and people can tell it when they see it. Why? Because people in the mountains are accustomed to walking on mountain roads and lifting their feet relatively high, while people in the cities like to walk around after dinner, and their steps are mediocre. After speaking, he looked at the person in charge from the mountain area very proudly. At this time, an old comrade from the mountainous area, unhurried, also said: "What you said is very reasonable, in fact, we don't have to go out into the street, we can sit here and tell which one is from the mountains and which is from the city." You just look at his mouth. Anyone with a long mouth is a city person, and anyone with an average mouth is a mountain person. Someone asked, 'Why?' and the old comrade said: 'Because of the intensity of labor, the people in the mountains can only eat one bowl of dry rice a day. And people in the city like to talk about pomp and circumstance, and they don't have much money, but they have to buy brand-name clothes to dress up, which affects the money for eating. People in the city think: The image of a person is still important, and the food is because no one sees that you eat good or bad, so you don't have to worry too much. In this way, I can only save money for food and drink gruel every day, and when I drink back and forth, my mouth will naturally become longer. When they heard this, they all felt reasonable. ”

After listening to the story told by Summer, the participants frowned a lot.

Summer continued: "The story above tells us to pay attention to the tipping point of doing things, which is often referred to as 'proportionality'. When the mountain people above arrived in the city, they didn't know how to lower their legs and walk, which is the same reason as the people in the city who can't grasp the balance between food and clothing. At present, this problem may also arise with the funding of our financial services community. Of course, this is just my suggestion, how to grasp it, or let the boss decide. ”

"Good. Zhuang Yu said: "It is good for everyone to put forward their views to the leaders for reference." Now let's talk about the year-end summary. This year, our service club has done a lot of work, a lot of things have happened, and we are constantly solving a lot of problems. Everyone is really hard and not easy, we have to sum it up. What do you propose for the end of the year?"

At the meeting, people gossiped and didn't come one by one. At the meeting, Zhuang Yu said: "The work summary of the financial service club is still written by Manager Xia, and those who are capable work harder. ”

………

After the meeting, Xia had just returned to the credit office, Zhuang Yu called and said to Xia: "It's inconvenient to talk just now, after work, you wait for me in the office, there are important activities in the evening." ”

Summer said, "Okay. ”