On June 14, 1995, the Citizens Bank held a working meeting on credit planning, which was attended by the summer on behalf of Hubei Financial Services Society. Pen Fun Pavilion wWw. ｂiquge。 Before the meeting, Summer met Shen Hu, the general manager of Merlin Financial Services Co., Ltd., who was wearing a cap, and Xia said to him, "Hello Shen Lao!"

Shen Hu responded politely, "Xiao Xia is good, have you been busy lately?"

"Not busy. How is Elder Shen doing lately?"

Shen Hu said: "When you get older, you can live as a gangster. ”

After saying hello, they each found a seat and sat down. Neither of them would have expected that this would be the last time Shen Hu would meet Summer in his lifetime.

At this meeting, Gu Dingli, president of the Citizens Bank, Luo Yi, vice presidents, He Renyou, and Wu Qing appeared together. President Gu Dingli spoke first, and he expressed his deep hope that the comrades of the former financial service cooperatives would integrate into the ranks of the Citizens Bank and contribute to the take-off of Shenzhen's financial undertakings.

Then, the director of the Planning Division and the Director of the Credit Division of the People's Bank made speeches respectively.

In his speech, Feng Laodao, director of the credit department, introduced the chiefs of the three sections he led to let everyone know: "I am not very capable as a director, and if I have any advantages, it is that the coordination work is relatively in place. The work of our department was done by the heads of the three functional sections working together, and I was like Lao Jiang after the victory of the Anti-Japanese War, just running down from Mount Emei to pick peaches. I have three sections in this department: Zhang Yu, the head of the comprehensive business department, who graduated from university with a bachelor's degree and has many years of financial work experience, is a pen, and Yi Muzi, the head of the loan review department, is a doctor who studied in the United States, and in today's jargon, he is a 'returnee'. Wang Yu, head of the Loan Investigation Section, is a master's degree in China's local economic management personnel trained by the country's highest university, and has been trained in the financial sector in the mainland for five years, and has rich experience in credit management. ...... "Yunyun."

The participants first heard the director of credit, Feng Laodao, say that he was not very capable, thinking that it was his humble words, and after listening to him for a long time, they woke up: to coordinate different schools of high-achieving students and management talents, the level of the director should not be low!

In fact, Feng Laodao is a scheming official, and he is designing his own roadmap to reach a higher level in the official rank according to his own ideas. These speeches are also his topical discussions.

Next, the financial services cooperatives report on their credit assets and funding plans. After listening to it all day, Xia felt that Hubei Financial Services Agency was one of the poorer units.

After returning to Hubei Financial Services Agency, Xia made a centralized report to the three CEOs. After listening to the report, Zhuang Yu said: "Now that our funds are tight again, Lao Xia, you have to work hard to solve the problems of our financial service society as before." ”

Summer said pointedly, "I have a long-term plan to work at the Financial Services Agency. At present, one of the prominent problems of our financial services society is that there is no coherence in policies, and the countermeasures are one today and one tomorrow. Let's talk about deposits, sometimes the monthly interest rate is high at one point and eight points, and sometimes two points and six points are also considered appropriate. This makes it difficult for the people below to get things done, and it's not easy to talk to customers. In addition, the overdue and extension of loans is also a very knowledgeable job, and everyone should not be capricious. If you are willful, and the old lenders don't buy your account, you will have no fun. For these two points, the CEOs should consider a mature opinion and not be too humane. ”

Zhuang Yu seemed to have regained his past humility, and said to Xia: "Your suggestion, let's discuss it." ”

So, Summer left Zhuang Yu's office.

When the bosses discussed breaking up for a while, Zhuang Yu called Xia Xia and asked him to go.

Summer came to Zhuang Yu's office, Zhuang Yu warmly asked Summer to sit down, and then said, "I invite you to come today, there is something I want you to do." ”

Summer said: "Mr. Zhuang, please speak." ”

Zhuang Yu said: "There is a Bao'an enterprise called Golden Rice Industrial Company, which wants to make a mortgage loan of 4 million yuan from us, which was originally run by the three ministries. But the boss of this company told me that Bu must be too arrogant, and asked them for cars, kickbacks, and so on. Now that the relationship is deadlocked, I think it's better for you to do it. ”

Summer has always been more sensitive to the credit manager's views on loan households, and after listening to Zhuang Yu's introduction, he believes that this company, whether it is right or wrong, is a "right or wrong" and cannot be taken over. What's more, Zhuang Yu has been playing the game of lifting this and pressing that between the three credit managers recently, and the day before yesterday, when he was studying the problem of Anyan Automobile City Company, he excluded himself and only asked Xu Donghai and Bu to participate.

After listening to Zhuang Yu in the summer, he said calmly: "Mr. Zhuang, we do loans, in fact, there are many different reflections, and it is difficult for parties who are not in the circle to judge who is right and who is wrong. Once I heard the lender say no, it was dangerous to change the credit manager to make a loan, and I did it, and it was hard to guarantee that he would also talk about me behind his back. What's more, the loan we used to engage in Yufeng Jinlong Restaurant, the loan officer investigation of the first department and the signature of the credit manager of the second department are now a bit foreign. I said, "It's better not for me to do this." ”

After Xia finished speaking, he secretly glanced at Zhuang Yu, only to see that his face was flushed with excitement, and he didn't know what to say for a while.

Summer saw that it was wrong and said, "If nothing else, I'll go." Then he exited Zhuang Yu's office.

Not to mention how Zhuang Yu gasped for breath after leaving the office in the summer, even after returning to his office in the summer, his heart did not calm down.

He recalled another incident that happened two months ago:

At that time, it was also Zhuang Yu who called Xia Xia to his office, and after Xia arrived, there were already consultants Zhang from the Planning Department and Ji Gaotian, the legal representative of a company called Shenzhen Good Boy Industrial Co., Ltd., sitting in the office. Zhuang Yu hurriedly introduced the summer to Ji Gaotian: "Mr. Ji, this is our credit manager summer. ”

Ji Gaotian said: "Okay! Manager Xia, I will introduce myself! I am a close disciple of Advisor Zhang, called Ji Gaotian, and Zhuang is always an elite cultivated by Teacher Zhang when he was in the prime of life. I and Mr. Zhuang are from the same family, and we are brothers from the same school. Now I came to visit my teacher and brother because I wanted to borrow some money. The project I worked on was an automated three-dimensional parking garage. This is very promising internationally, and I am the first one in Shenzhen. ”

Summer smiled and listened to Yoshikota's words. I think he is a man of temperament, but he also has a bit of a character in the rivers and lakes, and there is no need to take the initiative to take a loan to do it.

After a period of silence, Consultant Zhang said, "Manager Xia, I have brought the loan information of Xutian, can you help me judge it?"

Summer said, "You can take a look." ”

So, Yoshikoda took out the loan information guaranteeing the loan from the huge briefcase. Xia took a cursory look at the financial statements of the two companies, and felt that it was too hasty to say "yes" or "no" for a while, and it would also cause Zhuang Yu's disgust. He said: "The information is still very well prepared. ”

Ji Gaotian said: "Yes, I pay attention to perfection, I can do a good job, never ambiguous." ”

When Xia was ready not to watch it, Zhuang Yu asked with concern, "How is it, is it okay?"

Summer said, "Can you let me study it and give me an opinion tomorrow?"

Zhuang Yu and Ji Gaotian both said, "Okay." ”

So, Xia took his information to his office and looked at it, and asked Ou Zhongzhong to score the two financial statements. Early the next morning, Summer gave Zhuang Yu an opinion: "It is not suitable for a secured loan." ”

Zhuang Yu disagreed with Xia's opinion, and immediately asked Bu of the Third Credit Department to write a loan investigation report, and a few days later, 2 million yuan was hit on the account of Shenzhen Good Boy Industrial Co., Ltd.

Interestingly, a year later, the office premises of Shenzhen Good Boy Industrial Company were seized after the owner applied to the people's court for a seizure order, and Ji Gaotian has not been seen since. Not only did the Citizen Bank have no way to recover the loan, but even Zhuang Yu personally inquired everywhere: Where is Ji Gaotian's people? It is said that because Zhuang Yu personally lent 200,000 yuan to him, a "fellow disciple," to develop his business, there was no way to recover it. There is a poem as proof:

Lending one, two, three, when thinking about who is the most beneficial;

My junior brother made my treasury bad, and I didn't see it all over the search, and I was uncomfortable.

However, don't worry, their fate with Yoshigata in the summer is not over, and there will be a chance to meet in the future.