At the credit office, Ou Zhongzhong and Liu Aihua are reporting to Xia Xia to investigate the situation in Bao'an Welfare Bed Industry Co., Ltd. Pen ~ fun ~ pavilion www.biquge.info

"Chen Lianping's corporate office is located in a four-story building on Haibin Road. The second floor is used as a corporate office, and the remaining three floors are used as warehouses for stocking. We looked at it, and there were a lot of finished products, but we didn't go to the factory. ”

Liu Aihua said: "Later, we took his car, walked through a section of loess road, and arrived at the industrial village, it seems that the village director and Mr. Chen are very familiar, so we asked questions at the village committee. ”

Summer asked, "Is the village chief a man or a woman?"

Liu Aihua said: "Male! Older than you, a little bald, tall, thin, tall. We asked him about the "Proof", and he said that it was issued by the village, and it was a project in cooperation with Mr. Chen, so we mortgaged him. ”

"What's his last name?" asked Summer.

Liu Aihua said: "The village director's surname is Zhang, his name is Zhang Jinxiu, and he didn't say what projects he cooperated in. ”

"Okay. Summer commented, "Overall, the survey is good. But what do you think of that collateral?"

"It's a factory in the village, it's old. Ou Zhongzhong said.

Xia said: "Summarizing the opinions of the survey, combined with my opinion, this loan is as follows: As a project to support people with disabilities, this loan can be regarded as a little social benefit." He applied for 5 million yuan, and I think it would be more appropriate to use it as a 500 yuan deposit based on the deposit-to-loan ratio of 65 percent, that is, 3.2 million yuan. Liu Aihua wrote the investigation report, asked Xiaoou if he didn't understand, and then the two signed. Xiao Ou is responsible for relaying our views to Chen Lianping, and if he agrees, he can organize a deposit to come in. Okay?"

Ou and Liu both agreed. It's just that Liu Aihua is a novice, he has never written an investigation report, his face is embarrassed, and he pretends not to see it in the summer, and he is busy with his business.

Forgive the small talk, and then say a few more sentences: The pace of life and work in Shenzhen is too fast, and it is rare to see loan officers like Xia Xia and Ou Zhongzhong who seriously engaged in loan investigation when they were doing loans in financial service cooperatives, but the objects they met were not idle people, which would inevitably lead to a game in the future! Moreover, Summer provides selfless support for Chen Lianping's enterprise with a kind heart of sympathy for the disabled, but Chen Lianping may not be a kind person, and it is still unknown whether he will repay Summer or fight it in the future.

However, they said that they had just finished discussing the loan issue of Bao'an Welfare Bed Industry Co., Ltd. in the summer, and Li Chaoyang immediately walked into the credit manager's office and said to the summer: "Manager Xia, the mortgage notarization of the loan of Yufeng Jinlong Restaurant, the municipal notary office does not agree to handle it. ”

Summer looked up and asked, "Why don't you agree?"

"They say it's army land, and it can't be mortgaged. Li Chaoyang said.

"So, does Mr. Wang have any thoughts now?" Xia asked.

Li Chaoyang said: "Although he did not go through the notarization, he still put the things of the Nanguo Company in our service agency, and then added a guarantee from Mr. Wang's company in Hong Kong." ”

"Do you know what the name of his Hong Kong company is and what it does?"

Li Chaoyang said: "It's called Hong Kong Jewelry (Shenzhen) Co., Ltd., which is in the jewelry business. ”

Xia said: "As a preliminary investigation, you can get the company's loan certificate, information, and business situation to see how it goes." In addition, you tell Mr. Zhuang about the situation. ”

"Mr. Zhuang already knows. Li Chaoyang said.

Xia asked again: "Did Mr. Zhuang say anything after he found out?"

"He told me to consult with you. Li Chaoyang replied.

After Li Chaoyang left, Xia said in his heart: "Why do modern foreigners create so many enterprise management theories and models, what line function system, business division system, matrix management system, etc., is that I am afraid that Li Chaoyang's coordination model without moves will collapse the enterprise." It seems that the coordinator seems to be very active, sometimes from the top down, sometimes from the bottom up, and sometimes up and down at the same time, many people are in the dark, and he is the only one who knows. Because of back-to-back, the person being coordinated accidentally fell into the road. ”

Like this matter, if Summer's speech to Li Chaoyang can't be combined with what Zhuang Yu said, and Li Chaoyang tells Zhuang Yu in turn, then Summer will be a problem.

In order to help Wang Yufeng's Yufeng Jinlong Restaurant get a large loan from Hubei Financial Services Society, Li Chaoyang first avoided his immediate boss Xu Donghai and directly approached Zhuang Yu to match him and introduce Wang Yu to him; then, on the one hand, he tightly covered the application materials that were ready to make a loan, and on the other hand, he used various means to force Zhuang Yu to comply; then, seeing that the mortgage registration of the loan was not handled properly, he and Wang Yu were contacted. Zhuang Yu discussed switching to the guarantee method, but Summer, as one of the approvers, was kept in the dark.

Xia thought in his heart: "Don't look at Li Chaoyang for the sake of his fellow villagers to get a loan, between the boss and Wang Yu, the saddle before and after the horse upside down, changing the way to toss, sometimes even low, compromised, do everything to achieve the goal, and openly take 'having milk is a mother' as his code of conduct." However, once there is a problem with this loan in the future and he cannot get it back, maybe he is the first person to clear up the relationship, stay away from right and wrong, and try to protect himself. Moreover, it is really difficult for you to do his original responsibility in black and white. The ancients said that 'far from the villain, near the gentleman', is to stay away from this kind of person. ”

Will Li Chaoyang be like Xia thought in his heart: his behavior and morality are almost villainous?

Get back to business.

"Good afternoon, three managers!" Before anyone could see anyone, the voice of Shao Min, deputy general manager of Shenzhen Ningfeng Industrial Development Co., Ltd., floated over. When Shao Min walked into the credit manager's office, the three of them looked up and saw that he was wearing a suit, sweating profusely, so he was not embarrassed.

Summer teased him and said: "Mr. Shao, everyone wants to get rich, and they are busy, but they can't be busy like you. ”

"What can be done, I can only blame my father and mother, who gave birth to me in an inappropriate era and was born with a miserable life. Shao Min laughed at himself.

It is said that after Shao Min got acquainted with the three credit managers, he called him brother and brother, and it seemed that the relationship was very harmonious. However, he knew that the three Bodhisattvas in front of him were his food and clothing parents, as long as he still wanted to make money on them, no matter how he was ridiculed, he couldn't turn his face.

Sure enough, Xia told him: "There are two depositors today, one of them is a little larger, with 4 million, it is a self-employed person in Shekou, I don't know why I found it, this person's name is a bit interesting, called Hou Zhihui, and the other is called He Hao, a total of only 1 million deposits, and he got six or seven customers." As far as I'm concerned, it's not appropriate to deal with this matter directly, or you should do the accounting processing. ”

When Shao Min heard this, he was overjoyed and said happily: "I'll listen to Brother Xia's orders." ”

After a while, Shao Min said, "Three managers, today I am on the orders of General Manager Zhong to invite the three eldest brothers to dinner. It's very simple: the money is paid by Mr. Zhong, and the items to play are set by us. Because Mr. Zhong was accompanying the leaders of the N Military Region Office in Shenzhen, he didn't come to eat with us, so a few of us went out for a stroll. ”

Bu must have a trick and said, "Let's just have a dragon and eat first." Then I grilled it over charcoal in the sauna and sweated all over my body. ”

"If that's the case, why don't you go to your old club, the Dynasty Hotel, and make a dragon, and ask him to make a discount or something?" Xu Donghai suggested.

"Okay, that's on me. Bu must have said.

Shao Min saw that Xia hadn't spoken yet, so he asked, "Big brother, what do you say?"

Bu must have interjected: "Mr. Shao, you don't have to worry about Manager Xia's side, if everyone decides, if he doesn't go, we can just hold him hostage." ”

"I think so," said Summer, "that it's not enough to go to a table with only three credit managers, so it's better to call a male loan officer from each department to go with you." This is called the saying: 'Add a few pairs of chopsticks,' it may not make Mr. Zhong poor, right?"

Shao Min said: "This is the best. ”

Xu Donghai said: "Isn't that Li Chaoyang, Ou Zhongzhong, Shu Guangrong, plus the three of us, Lao Shao has a total of seven people?"

"I think seven people can do it. Summer said.

"I'll give the Dynasty Hotel a call. After Bu finished speaking, he booked a room for the Dynasty Hotel.

After getting off work, the seven of them walked a step late and came to the Dynasty Hotel for dinner. During the banquet, it was inevitable that the eldest brother and the eldest brother would drink and shout, and when everyone was a little drunk and preparing for the sauna, it was already more than ten o'clock in the evening.

The sauna was upstairs from the hotel, and everyone got on the elevator, went to the reception hall, and arranged the house. Shao Min said: "Manager Xia, Mr. Zhong will come to visit you in a while and tell us to wait for him." ”

Xia smiled and said, "You Zhong are too, you can't live in peace if you relax, you want to disturb?"

It is said that these seven people entered the sauna, and there is usually no way to check what projects they have done. Because of the general rules in Shenzhen, no matter how good friends are in the sauna together, they will pay their own money at the checkout. However, this time is a bit special, because when everyone enters the room for about half an hour, the bell is there. Shao Min knocked on the door of the summer room and invited Zhong Ningfeng to come in and chat. After greeting the host and guest, Zhong Ningfeng said: "Manager Xia, we know each other, and you have also helped us a lot." I should have thanked you well, but now I can't leave the hotel with the military region. We have a long way to go. If there is anything that can be used in the future, my little brother Zhong, you can just say. ”

Summer said, "Well said. However, I have a feeling that the loans of financial service agencies are high-cost funds, and if they are not used well, they will be problematic. So, I remind you, you have to hurry up and put it into production. ”

Zhong Ningfeng said: "You don't have to worry about this. ”

Shao Min saw that it was time, took a light and empty envelope from his briefcase and put it on the table, and said to Xia: "Big brother, Mr. Zhong is very concerned and wants us to do a good job, this is for a few brothers to do tonight's activities." ”

Looking at the envelope in the summer, it was not a big deal of three or two thousand yuan, and it was not very eye-catching, but it was taken out on this occasion, which was a bit nondescript. Then he asked, "Do you want to go back with Mr. Zhong first?"

"No," said Shao Min, "I will accompany you to the end." Mr. Zhong still has something to go back first. ”

At this time, Zhong Ningfeng took the opportunity to say: "Manager Xia, you continue to play, I'll go back and deal with something first." After speaking, he left the room with Shao Min.

After they left, Xia saw the service lady come in, so she opened the envelope on the service desk, and there were only three Hong Kong dollars of 1,000 yuan inside. What is puzzling is that each Hong Kong dollar is artificially rolled into a trumpet shape and then opened, so that it swells in an envelope, as if it contained a lot of contents.

Summer looked at the envelope, and then at the three "scalpers" tied one by one, and wondered, "What does this mean?"

When the sauna lady saw the money, her eyes lit up, and she asked Summer, "Boss, did you give me the money so soon?"

Summer said, "You think beautifully, this is the settlement money for this group of brothers tonight." ”

In the blink of an eye, the clock came, and all seven of them arrived in the hall. Xia handed the envelope to Ou Zhongzhong along with 3,000 Hong Kong dollars, and told him: Six people from our financial services agency will use the 3,000 yuan to settle the bill.

Then, each of them went home.