One morning, the executive meeting of Hubei Branch was held in the president's office. Wang Xianyao, president of the pen "Fun" Pavilion www.biquge.info is conveying the spirit of the provincial and municipal meetings on resolving financial risks.

When briefing the responsible comrades of the city government on the reasons for the formation of the current economic and financial risks, he said: First, the government interferes with the loans, which should not be loans, and projects that should not be undertaken, resulting in the loss of funds; second, the People's Bank of China is ineffective in supervising and overseeing them; third, the specialized banks and commercial banks are not in the right way in their business thinking and their short-term behavior is prominent; and fourth, there are problems in the internal control mechanism of the financial institutions, and the system is in vain.

Wang Xianyao said: "The Citizens Bank put forward the following opinions on the correct implementation of the provincial and municipal financial risk resolution conferences: First, it is necessary to accurately understand the core issues of the provincial and municipal financial risk resolution conferences. We, the Citizens Bank, have undertaken this mission from the very beginning, and it can be said that the Citizens Bank was born to resolve financial risks. We still have a very heavy task at present, and among the deposits, the proportion of high-interest deposits is large, the proportion of deposits and fixed loans is large, and internal management has always been not strict. Second, it is necessary to solve the problem of straightening out the guiding ideology of management; third, it is necessary to establish the concept of operating according to law, and stop engaging in the set of things that violate the law and operate in violation of regulations. Fourth, in accordance with the requirements of the People's Bank of China, it is necessary to establish and improve a preventive responsibility system; from now on, it is necessary to conduct self-examination and self-correction, establish rules and regulations, formulate measures for a purpose, and establish a responsibility system. If there is a new problem with a newly issued loan, it is necessary to investigate the credit department; if there is a problem with the bills, the person in charge of the sales department and the savings department must bear responsibility; and the responsibility system must be implemented in the area of security. Fifth, we should do a good job in the work of 'two clearances,' strive to reduce non-performing loans, and strive to reduce them by five percentage points by the end of the year. As far as the old loan accounts of our branch are concerned, on the whole, the situation is clearer than before, and the thinking is clearer than before, but the difficulty of clearing is also increasing, and some collateral is found to be fake. We must take the whereabouts of funds and property as the direction of inventory. Sixth, improve the internal control mechanism and eliminate hidden dangers. Seventh, we should always grasp the work of 'three defenses and one guarantee' without relaxation. This year is the year of risk prevention for the People's Bank of China, and there are many frauds. We repeatedly talked about 'three defenses and one protection', but problems also began to arise. The economic police, security and savings departments are required to conduct spot checks every week to ensure that all work is carried out in a down-to-earth manner. ”

At the meeting, various departments also reported on some of the current major issues and work directions.

Finally, Wang Xianyao said: "The deposit management and follow-up work of our bank's taxpayers should be strengthened, and some personnel from the credit department should be transferred. On the one hand, we support the sales department, and on the other hand, we have to work with the tax collectors. When I went to the sales department, I arranged for the Qiao family to go down first, and asked Director Tan to arrange his work. ”

As soon as Wang Xianyao's words fell, Tan Feiyan blushed and said dissatisfiedly: "President Wang, are all the people in the credit department stuffing me here? The people in the sales department are already difficult enough, and now they have become garbage cans! Last time, Xiong Zilun was hanging high at work to sell, but he was pushed to the end by Manager Xia, and he didn't want her, so he sent her to me for transit; let Manager Xia be a little more angry before going back." Now there's another Joe family. I don't want it!"

Wang Xianyao explained: "It's not like this, it's because there are two comrades in the sales department to work at the tax point, and you obviously don't have enough manpower here, so ask him to top it first." ”

Tan Feiyan turned to Xia and said, "Manager Xia, is there a mistake, you can't get by with me?"

Xia hurriedly said: "Manager Tan, you misunderstood, I'm not tricking you, the Qiao family has a lot of advantages, if you use it smoothly, you may still refuse to let go!"

Tan Feiyan replied: "Manager Xia's subordinates, doctors and masters can also be used, elementary school students, and high school students can also use it.

At this time, Chen Jiao said: "Tan Feiyan, don't say anything else, give the Qiao family a stool first, and see how it goes." ”

Tan Feiyan did not speak again.

In the afternoon, Chen Jiaojiao found Xia and said to Xia: "Li Chaoyang was called by the Municipal Supervision Bureau. ”

Summer asked, "What did the Municipal Inspectorate call him to do?"

Chen said: "It's still a deposit in the past. At that time, he worked with Yuan Aiping of the original planning department, and there was a problem with the lending company, which was reported to the depositor. The depositor, on the other hand, is a budget unit and is being investigated and dealt with as a case by the Inspectorate. ”

Xia asked: "So, is Li Chaoyang involved in economic problems?"

Chen homework said: "It is being investigated, but the amount of money still recorded on Xiao Yuan's deposit, and the money is still stored in the account opened by Xiao Yuan in our bank." ”

Summer said: "Fortunately, she has been transferred, otherwise it would be too troublesome." ”

"Yes!" Chen said, "There will be problems at any time, so it's better for everyone to be careful." (To be continued.) )