It is said that Wang Xianyao and his entourage returned to the branch, and in accordance with the requirements of the relevant documents and materials such as the letter of commitment of the mortgagee that Wan Zhongyi privately reminded when leaving the credit office, Chen Jiao got in touch with Xiao Yilin, deputy general manager of Anyan Company, completed the information, and asked Li Chaoyang to send it to the head office. Pen Fun Pavilion wWw. ｂiquge。 ｉｎfo

A few days later, Feng Laodao called Xia and said to Xia: "You and President Wang came to talk about the pledge loan of the deposit certificate of Anyan Company, the legal person relationship between the promiser of the deposit certificate and the holder is not clear and unfounded, and it is still necessary to find out. ”

Xia said, "In the afternoon, I will explain this to the head office to you, okay?"

Feng Laodao said, "Come on." ”

Xia thought: "This matter is neither Yi Muzi calling me, nor is it Feng Laodao directly looking for Wang Xianyao, so they talk to me about this matter from the other floor, which one are they singing? ”

So, Xia came to Wang Xianyao's office and talked to him about Feng Laodao's opinion. After hearing this, Wang Xianyao smiled bitterly and said, "You can go there in the afternoon." ”

In fact, Feng Laodao knew that Zhu Chi'er, the legal representative of Anyan Automobile City Company, was a famous person, and he didn't want to get involved at all, no matter what you say, he was a 'eat less salted fish and less dry mouth', so as not to be implicated in the future. It's just a matter of coping with the scene. And Xia said that he would go to the head office in the afternoon to talk about the project, but he was actually taking a risk, because Xia was also wary of Anyan Company, and Wang Xianyao did not fully trust him at present. Well, if the credit office agrees, it may not be much credit for the summer, and if it does not agree, and if the credit office uses some of the words said in the summer to prevaricate Wang Xianyao in the future, the summer will be thankless.

"Anyway, the work still has to be done. Summer said in my heart.

In the afternoon, Xia came to Feng Laodao's office as promised, and after greetings, Xia introduced the causes and consequences of Zhu Chi'er's cooperation with Zhongshan at the beginning of the establishment of the service cooperative, pledging with deposit receipts, and financing more than 100 million funds, explaining the reasons.

After hearing this, Feng Laodao was even more suspicious of Anyan Company, but he still said to Xia Xia with a smile: "It's still unfounded." ”

Xia further explained: "I did not handle the deposits of the Zhongshan Company, but during the investigation of Anyan Company by the People's Bank of China, the legal representative of this company, that is, the manager of Zhang, who wrote the letter of commitment and stamped it, personally came to Shenzhen and privately approached me to understand the situation, so I judged it to be true. ”

Feng Laodao said: "Thank you for coming to explain, let's study and study again." ”

So, Summer also left his office very politely.

On November 15, the head office held a credit meeting.

The purpose of this meeting was to summarize the situation of the bank's credit inspection. In terms of loan files and credit management, Hubei Sub-branch has done a good job, and the overall score is one of the six sub-branches that have done relatively well.

Vice President Feng Laodao attended the meeting and delivered a speech. He said: "Recently, our bank has highlighted the high loan-to-deposit ratio, and some branches have reached as high as 97%. Therefore, applying for a new loan is difficult for a clever woman to cook without rice. Starting today, branches with a loan-to-deposit ratio of more than 80% will not be required to report new loans. ”

Feng Laodao paused for a moment, looked at the reactions of the participants, and continued: "Recently, all branches have focused on the 'two clearances', and have done a lot of work, and they have made some gains, but the overdue loans still have to increase. What to do? Taking advantage of the fact that everyone is here, I have to say the following:

1. The credit profession began to conduct a comprehensive audit yesterday, and all banks should closely cooperate with the work of the inspection team to relieve their ideological concerns, as long as the individual is not involved in economic cases, no matter how big the problem of the loan, it will be borne by the credit department and recorded as a historical lesson. If you want to talk about responsibility, you don't have a leadership as heavy, so you should actively provide materials and living information.

No matter how many loans have been made, we must look at them one by one, from the information to the situation of enterprise activities, focusing on solving the water content of credit assets, we must find out: how much risk is there in more than 6 billion credit assets?

2. How to grasp the current loans? Our branches are not developing, but adjusting, and the business department of the head office is consolidating. During the adjustment period, the handling of loans should be strict and tight. This is because the quality of the existing credit assets is not high, and the funds are now tight and the positions are insufficient; in terms of the credit team, the responsible persons are not yet in place, and the quality of the credit cadres is not high. Some banks have proposed to suspend business for rectification, and the focus now is on grasping deposits. Do not rush to report the loan to the head office, especially the branch with a high loan-to-deposit ratio.

3. The focus of the work in the next month or so: the general is to clear the old loans and collect the arrears. Requirements: First, all banks should implement the policies, measures and means of the 'two clearances' in place. The principle is: there should be rewards for the recovery of old loans and old arrears. The second is the goal: the existing overdue should be compressed, and the interest receivable should be controlled at the current level and cannot be increased.

4. On the issue of prosecution, I think all walks of life should be cautious. It is more difficult to enforce a lawsuit, if the other party is suffering from cancer and does not even have money for treatment, do not sue; the other party has money and things to sue. In short, it varies from person to person, so you should research it beforehand. ”

After a meeting at the credit office in the summer, I went to the legal department and took an approval document from Director Shen Lixia. This document is a reply to a request from him and the two presidents a few days ago. It reads:

Hubei Branch:

We have received the "Instructions on the Enterprise to be Sued" reported by your bank, and our office agrees with your opinion on the lawsuit. If you have any questions during the process, please contact us in time.

Legal Affairs Office of the People's Bank of China (India)

13 November 1995

In the summer, I put away the papers, said goodbye to you, went downstairs, saw that it was time to get off work, and thought that it would not be too late to report to the two presidents tomorrow, so I drove the car directly to my home.

That evening, after digesting the spirit of the meeting, Xia summarized the number of deposits made by overdue loan users in the recent period, and felt that he should put forward suggestions to the president to reduce the interest at the time of the report, so as to avoid whipping the fast cattle, and also affect his ability and image to deal with them in the future.

This account is calculated to involve 7 overdue loan households with an old loan amount of 28.2 million yuan, and they have made up a total of 39 million yuan of one-year and half-year deposits, plus the original 33 million yuan brought in by the original 38 joint-stock company, and in fact, 72 million yuan of fixed deposits have been pulled in by the old loan households. However, these borrowers still bear the penalty interest rate of 18‰ per month. This is clearly unfair and does not benefit the Citizens Bank at all.

"We should explain the benefits and disadvantages to the president from the perspective of the co-prosperity and coexistence of enterprises and banks, and we should not overdo it to enterprises. Summer told herself.

The next morning, as soon as I went to work in the summer, I saw Wang Xianyao and Chen homework at the branch. He first went to Chen Jiao's office and said to Chen Jiao: "President Chen, I am going to report on the spirit of yesterday's meeting, can you go to President Wang's office to listen to it together?"

Chen said, "Okay. ”

The two came to Wang Xianyao's office together, and after sitting down, Summer began to report. When talking about Feng Laodao's opinions, Chen Jiao said disapprovingly: "His opinion may not be suitable for the reality of the People's Bank. ”

Later, in the summer, he took out a list of overdue loan households to supplement their deposits, and said to Wang Xianyao: "In the past few months, the overdue accounts have assisted in making up 72 million yuan of fixed deposits, which is not a small amount. In my opinion, there should be a difference between the interest rate of the business department between these overdue accounts who have made up their deposits and those who have not made up their deposits. Otherwise, it will be even more difficult for us in the future. ”

Wang Xianyao is a reasonable person, and when he heard Xia say the specific figures, he also felt incredible, and unknowingly came in so many deposits. So he said, "I think I can consider it." Homework, you can try to take care of them according to the floating range of the overdue loan interest rate, the overdue interest is too much, it is not necessarily a good thing, it cannot be recovered, it has become a side effect, and it is not good. ”

Chen homework said: "Okay. I'll take it back and verify it and give it to the sales department for execution. ”

Chen returned to his office and, based on the list of organizational deposits provided by Summer, wrote on a piece of paper:

(1) Shenzhen Shideli Industry and Trade Co., Ltd. loan of 6.5 million yuan

From October 12, 95 to April 12, 96, it was charged at 11.88‰;

(2) Shenzhen Laoxingmei Trading Co., Ltd. 1 million loans

From November 1, 95 to June 1, 96, it will be charged at 12‰;

(3) Shenzhen Youbang Industrial Co., Ltd. loan of 5.4 million yuan

From September 17, 95 to September 17, 96, it was charged at 14.4936‰;

(4) Shenzhen Shenshan Chemical Co., Ltd. loan of 3.5 million yuan

July 1, 95 - January 30, 96 at 13‰;

(5) Shenzhen Weili Industrial Co., Ltd. loan of 1.8 million yuan

From July 1, 95 to February 16, 96, it will be charged at 13‰;

(6) Shenzhen Yufeng Jinlong Restaurant loan of 5 million yuan

From July 1, 95 to December 2, 95, it was charged at 11.88‰.

(7) The rest of the overdue loan households shall be implemented at 18‰.

Chen homework

95，11，20

After Chen's homework was written, he made two copies, one for himself and one for Summer, and the original for the sales department to calculate interest.

Xia saw the list written by Chen's homework and thought to himself: "It seems that his problem has not changed, and he sets the interest rate from high to low to show that he has the right, which is actually a sign of immaturity; on the other hand, it also shows that the knot between him and Shenshan Chemical Company has not yet been untied." ”

The official did not know: the above two companies (4) and (5) are actually ADLINK's enterprises, and he has organized deposits to work for Hubei Financial Services Co., Ltd. many times, and should be put into the lowest interest rate. However, the company once organized more than 10 million deposits to Hubei Financial Services Co., Ltd. in the Longgang Functional Bureau, and the chief of the financial department of the depositor was a classmate of Chen Jiao. When Xu came to Shenshan Company, he was reluctant to see Chen's work. Afterwards, Xia told Chen homework out of politeness, but he insisted on applying the deposit to his own performance, and asked Xia for half of the assessment amount to withdraw the deposit bonus. What's even more outrageous is that he overstepped his prerogatives and personally asked Ling Hua to send the profit difference to the Longgang Functional Bureau. Later, there was a little situation within the depositor, and the discipline inspection department investigated the interest rate spread problem. In the course of the investigation, there was a big discrepancy between the amount of interest rate differential income reported by Section Chief Xu and the actual payment amount provided by Linghua. This incident made Chen Jiao almost capsize, so Chen Jiao has since formed a bond with Shenshan Chemical Company, and there has been a holiday.