February 16, 1999 is the first day of the first month of the lunar calendar. With the approach of the Spring Festival, all units generally have www.biquge.info year-end thoughts, but the Hubei branch has no problems in this regard. Why? Mainly because President Wang Xianyao wanted to transfer his job because his position was uncertain and he wanted to transfer his job for a period of time, he did not make efforts to pave the way for the New Year's work for a period of time. Now it seems that it can't be transferred, so we have to work harder a few days before the Spring Festival, and only after making the work arrangements for the beginning of the Spring Festival, can we feel a little at ease during the Spring Festival. Therefore, he and Chen worked separately to implement the supervision of one department and one department, and implemented the plan indicators and implementation measures issued by the sub-branch operation work conference.

The summer of the Treasury and Credit Department is also preparing for the final departmental meeting before the Spring Festival.

What do you want to talk about at the meeting? Xia Si said: First, the thinking of employees seems to be greatly influenced by the product development department, and it is a little fluctuating; second, the work at hand is relatively good, but it is relatively poor in organizing deposits and developing customers; and third, the organizational concept and discipline concept of some employees are always not good. No, Ren Erwei drove the car out again last night to do private work with Shu Guangrong, this is an old problem, but it can't be changed. In addition, the task decomposition of the new year is also relatively detailed, all of which are linked to wages and benefits, including: deposits, interbank deposits, foreign currency deposits, international business settlement volume, card transaction volume, and non-performing loan collection (including separate collection of sluggish loans and off-balance sheet interest arrears).

Summer said to herself, "As you can imagine, the work in the new year is very difficult. Whether it can achieve the desired effect is still between the two. The problem now is not to fight for this kind of official position, but to have enough courage to stay in this kind of branch. I don't know if Shen Yifeng and Huang Lu have a proper judgment at this point. ”

At this time, Liu Di knocked on the door and said, "Manager Xia, new documents." With that, he put the folder on the executive desk and left the office.

When I opened the folder in the summer, I saw that one of the documents forwarded by the People's Bank of the People's Bank of China after the institutional reform of the provincial People's Bank of China was the "Notice on Circulating Enterprises Included in the Credit Blacklist in the Whole Province", and in the annex of the document, a long list of enterprises, business license numbers, legal representatives and other relevant contents were listed.

Looking down in detail in the summer, it is written in the annex: Shenzhen Yuanda Company. It turned out that Huang Hui's Yuanda Company had acquired the debt-ridden state-owned enterprise, and then packaged the company as a whole and renamed it Yuanda Company. As a result, it has also been reported by various professional banks at the level of the provincial people's bank, and after being summarized by the provincial people's bank, it has become a well-deserved typical enterprise with bad credit.

After reading it in the summer, he wrote on the outline of the preparatory meeting: "We should treat the problems of the broad company as a matter and talk about the review issues at the meeting." Then he secretly said: "I don't know if the two presidents read this document and have any thoughts on the original approval of the loan of Yuanda Company? Fortunately, I have a sense of proportion and do not follow the crowd." Otherwise, now it's a problem loan, and it's not going to be wrong with me?"

In the afternoon of this day, Hao Jianguang from the credit department of the head office came to the Hubei branch, saying that he was here to analyze the situation of the borrowing enterprises on the credit blacklist of the provincial bank, but in fact, it was the right and wrong of the new loan of 5 million yuan for the broad company. After his arrival, he chatted with Wang Xianyao and Chen Jiao for a few minutes in the president's office, and he requested: First, take a look at the real estate of Yuanda Company, that is, the office of the old company, which is actually the old house that has been mortgaged to other banks. Second, we want to take back the loan files of Yuanda Company for scrutiny, why do we want to take them back to the head office? Because this matter involves Shen Yimin, vice president of the head office, who first stated that he would lend 5 million yuan because of his relationship. It is necessary to let Governor Shen analyze whether there are any unfavorable words on the loan file, and if so, take measures as soon as possible.

Wang Xianyao understood Hao Jianguang's thoughts, but he was still worried about whether he could increase the original intention of lending another 2 million yuan to Yuanda Company, so he sent Chen Jiaojiao, Xu Donghai, and Li Guolan to take Hao Jianguang to Tongle Road, where Yuanda Company worked, to see the house; at the same time, he asked Chen Jiaojiao to take out the loan file of Yuanda Company directly from Xia and put it in the car in advance, and just get it back to the head office for him when he sent Hao Jianguang back to the head office after seeing the real estate. In the summer, there is no need to accompany him, because there is nothing to do with him.

So, in the summer, during the reception of Hao Jianguang at the Hubei Branch, he was happy and quiet, and only wrote the word "agree" on the list of loan files filled out by Wang Yang, and the matter was over. Precisely:

Eat less salted fish and less dry mouth, and be cautious in your life to avoid trouble;

After thinking twice, sincerity is enviable, and chess looks at three moves to pass five levels.

Things are often so interesting: once upon a time, Zhuang Yu and Qin Xianhong, the organizers of Shenzhen Hubei Financial Services Society, planned to set up a point on Hubei Road, and fell in love with the commercial building in Hubei Village, but the building was rented by Shenzhen Yuanda Company, which Huang Hui was the legal representative, and then subleased to scattered merchants as a second landlord to earn rent differences, and after many rounds of bargaining between the two parties, Hubei Financial Services Society paid a large amount of "top fee", and noted in the contract that "the tenant agreed to loan 5 million yuan to Yuanda Company after opening" After obtaining the lease right on the first floor, it will be used as a business website. After the opening of the business, Zhuang Yu, who was considered to be a fairly casual person in handling loans, was wary of Huang Hui, and insisted that the loan of 5 million yuan could only be handled with collateral, so that the two parties quarreled at the financial service society. Later, under the coordination of the summer, a guaranteed loan of 2.7 million yuan was issued at a controllable amount of rent paid to him by the company every month, and the balance was never followed. However, Wang Xianyao, who only took office after the restructuring and was recognized as cautious and serious, as well as Shen Yimin, Hao Jianguang, and others, who had always been very strict in controlling new loans, repeatedly came up with the idea of increasing loans to Shenzhen Yuanda Company, and even after the branch of the Provincial People's Bank of China explicitly listed the company as a credit blacklist, they were still happy to do so and tried to increase loans.

What makes people puzzled by this incident is that on the one hand, because Shenzhen Yuanda Company was on the credit blacklist of the Provincial People's Bank, Hao Jianguang, Wang Xianyao, and Chen Jiaojiao, who had approved the loan to it, were worried that they would be affected and had to carefully scrutinize whether the wording on the loan file could pass the test; on the other hand, they never forgot that when they first declared a total loan of 7 million yuan, the loan examination committee of the head office only agreed to a loan of 5 million yuan, and the remaining 2 million yuan was not approved. At that time, the above put down the words and said that they would consider it in two months. This time, they are discussing how to re-approve the increase of 2 million yuan.

Whether the new loan of 2 million yuan can be released as desired, and listen to the next breakdown. (To be continued.) )