On June 7, 1994, Zhuang Yu had breakfast at the Hubei Financial Services Agency and hurriedly asked the driver Zhong Meichang to drive him to the SZ Special Zone Branch of the People's Bank of China. Pen & Fun & Pavilion www.biquge.info

Zhuang Yu went to the People's Bank of China, got on the elevator, and came to the financial management office. He walked into the office and said to a young man who was looking at the report intently, "Hello! Section Chief Shen, is the director there?"

This person named Section Chief Shen put down the report in his hand, glanced up at Zhuang Yu, and whispered, "Oh, Mr. Zhuang is here? Director Wu Qing is inside." Section Chief Shen pointed to Wu Qing's room.

Zhuang Yu walked to the door of Director Wu Qing's office and gently knocked on the door twice with his right hand, and there was an answer of "come in" from inside. Zhuang Yu opened the door and said humbly, "Director Wu, hello!"

Wu Qing raised his head, glanced at Zhuang Yu, as if showing the dignity of his superiors, and said, "Coming?"

Zhuang Yu said, "Yes." ”

Wu Qing said, "Sit down." ”

Zhuang Yu opened a loose-leaf chair and sat down.

At this time, Wu Qing began to speak: "Mr. Zhuang, I didn't say you, it stands to reason that you have only been open for a month, and no matter how big my opinion I have about you, I won't trouble you now." However, what you do is really not very beautiful, and when you do it, it is earth-shattering. Let me, the director, feel wobbly when I sit on a stool. Everyone's uneasy!"

Zhuang Yu saw that Wu Qing was speaking sincerely, so he said: "I'm causing trouble to the director, but I still have to ask you for more help in order to pass the test." ”

"Let me ask you," Wu Qing said, "how did you deal with Zhu Chi'er?"

Zhuang Yu replied: "It was not the beginning of the year, the second office of the municipal government, hosted by the Economic Development Bureau, held a project demonstration meeting, and I listened to Zhu Chier's automobile city project promotion. At that time, the leaders of the Municipal Economic Development Bureau also respected the project because there were no automobile manufacturers in Shenzhen. After the meeting, I talked to him. ”

"Do you know what happened to him in the past?"

"I don't know. Zhuang Yu replied.

Wu Qing also said: "I have here a briefing note from the head office of the People's Bank of China, you can read it first. After reading it, I will take you to meet Vice President Ma Yinglong. After speaking, he gave the briefing to Zhuang Yu.

Zhuang Yu took the briefing, hurriedly took out reading glasses from his briefcase and looked at them.

At this time, Wu Qing saw that Zhuang Yu's hands were a little trembling, so he comforted: "Don't be nervous, I called you here today to discuss how to handle this matter well." ”

Zhuang Yu said gratefully: "Thank you!" Then he looked at the briefing and saw that the title was printed with four red letters of "Economic Dynamics". The following is the "editor's note" of the People's Bank of China's head office on the investigation report of the People's Bank of Guangzhou Province on the marketing methods of mechanical and electrical shopping malls.

Zhuang Yu spent more than 20 minutes reading the briefing, as if talking to himself and as if to say to Wu Qing: "This is the first time I know about these situations. ”

At this time, Wu Qing said: "Now, I will take you to see Vice President Ma Yinglong. You have to remember: no matter what Governor Ma says, it is better for you to say less and not to cause trouble. Huh?"

"I will definitely do what you say and strive for a good result. After Zhuang Yu finished speaking, he followed Wu Qing and arrived at Ma Yinglong's office.

Ma Yinglong looks very burly, and it is not difficult to find the masculinity of a northern man in him. He had a flat head, a pair of large bright eyes, and a pair of thick-rimmed short-sighted glasses on his face, which made people feel that in him strength and knowledge were perfectly combined.

Wu Qing and Zhuang Yu entered the office, and Vice President Ma politely gave up his seat.

After everyone sat down, Ma Yinglong said: "Comrade Zhuang Yu, no matter what, you are also a talent who graduated from the highest university of our National College of Finance and Economics, and I shouldn't have come to talk about you." In fact, I told you a long time ago that banks should pay attention to risk prevention. The People's Bank of China has also introduced many systems and regulations. It's good that you don't listen at all, and go your own way. As far as the regulations on the ratio of single loan to equity capital are concerned, we have formulated this rule for your goodness, not to card you. Because you're well, we're good. Isn't there an advertising slogan that says, 'Hello everyone, it's really good.'" If the professional banks, credit cooperatives, financial service cooperatives, and trust companies under the supervision of the People's Bank of China do not act according to the system, will our People's Bank of China be able to get better? In fact, to do things according to the system is to maintain one's own job. You should understand that, right?"

Zhuang Yu nodded and replied, "Yes." ”

Ma Yinglong took a sip of water and continued: "Let me ask, how much is the maximum loan for a single enterprise of your service cooperative?"

Zhuang Yu hesitated for a moment and replied, "That's tens of millions! The specific number has not come out." ”

"Tens of millions?" Ma Yinglong asked rhetorically: "Your shareholders have only given less than 20 million share capital, and the rest of the money is given to you by the society." A single borrower will settle down tens of millions. Dude, if it were your family's money, I don't think you would dare to throw it away like this. ”

Ma Yinglong took another sip of water and said to Wu Qing: "Your financial management office and accounting office take some time to take a look at them and see if there is anything worth learning from us." Don't let them create experience by then, the whole country will know about it, and we will still be in the dark. Just like in "Water Margin", 'Emperor Huizong was alone,' making jokes. ”

Zhuang Yu heard Ma Yinglong ridicule him and secretly complained. And Wu Qing felt that Governor Ma's speech today was more gentle than expected.

Yes, Ma Yinglong thought: Zhuang Yu's graduates have been working for nearly 30 years, and many of his alumni have occupied core positions on the national financial front, and many of them have become national ministerial-level cadres. On the other hand, Zhuang Yu is a little sad to eat in a collective financial organization. On the other hand, the way of officialdom also had to let him have a back hand. Sometimes things go too far, and it's very likely that before you know it, you'll fall into someone else's trap.

……

Before leaving, Wu Qing told Zhuang Yu seriously: "The work of eliminating loan risks must be done quickly. If Zhu Chi'er's loan can be repaid, it is necessary to pay off the loan as soon as possible, and if the balance can be reduced, it must be resolutely reduced. You have to take the initiative to deal with this matter yourself. ”

Zhuang Yu held Wu Qing's hand and said sincerely, "Thank you!"

Risk, audit -- these are the words that Zhuang Yu firmly remembered after he arrived at the People's Bank of the Shenzhen Special Economic Zone.

In the afternoon, Zhuang Yu continued his activities quietly.

When he first went to work, he sat in a swivel chair and pondered: In order to cope with the inspection of the People's Bank of China, it is necessary to make the following preparations in advance: First, on the issue of limiting the amount of loans to a single enterprise for the People's Bank of China's risk assessment, it is necessary to find more than a dozen enterprises to replace them according to Zhu Chier's opinion, and this must be implemented on the head of the credit manager; second, considering that it may make a big deal out of the matter and suspend business for rectification, at that time, it will be impossible to lend loans, and the interest rate will be inverted, and it will be even more difficult to explain it to the shareholders. Therefore, the most pressing task at the moment is to get a good grasp of lending a batch of loans; third, it is necessary to readjust a group of loan officers. The worst plan is that after the closure of the business, if these people can still grab the deposit and come in, won't there be nothing?

Zhuang Yu wrote the outline of the meeting in his notebook, and his thoughts gradually became clear. At this time, Wu Dongzhi, an employee in the office, knocked on Zhuang Yu's door, and then poked his head out and said to Zhuang Yu: "Mr. Zhuang, Mr. Cai of Shenzhen Tairong Company called and asked if you have time to go to him today?"

Zhuang Yu said, "You come in and talk." ”

Wu Dongzhi walked to the opposite side of Zhuang Yu, and Zhuang Yu asked him, "What did Mr. Cai say?"

Wu Dongzhi added fuel and vinegar to say that Mr. Cai hoped that Zhuang Yu would come to his company to guide the work, and said that they would have dinner together in the evening.

Zhuang Yu listened to Wu Dongzhi's words, thought for a moment and said, "There doesn't seem to be any arrangement tonight." In this way, at four o'clock in the afternoon, you take my car, and Manager Xia and I will go to his company to have a look. You tell Mr. Cai to see if he has time. ”

Wu Dongzhi called Mr. Cai in Zhuang Yu's office, and Mr. Cai said that he was very willing to see Zhuang Yu. So, Zhuang Yu made a phone call to the credit department, found Summer, and said, "At four o'clock in the afternoon, let's go to a company together." ”

Summer said, "Okay. ”

It is said that this Wu Dongzhi is the spokesperson of Chairman Yang Oran arranged in Hubei Financial Services Co., Ltd. - the younger brother of Ms. Wu Liyuan, who is the secretary of the board of directors in the Financial Services Society (some people say that Wu Liyuan is Yang Oran's mistress, and some people say that it is his **, what is the situation, there is no hard research conclusion on hand, and it is probably a bit of a wind and no waves. ）。 Zhuang Yu and Yang may have grudges over power on many issues, so they are also wary of Wu Dongzhi's sister and brother.

Wu Dongzhi was arranged to repair water pipes, electric lights, wires, telephones and other work in the office. It can be said that this is because of someone's trouble, give him a bowl of rice to eat. Sometimes, when chatting in the office, employees will look at Wu Dongzhi's back and joke: "It's all my sister's fault for not having the ability, how can I not make the chairman my brother-in-law." People often say: Smile for ten years, the spare medicine box of the financial service agency will not become a redundant ornament?

said that Zhuang Yu and Mr. Cai made an appointment, and Wu Dongzhi left the office with interest. Zhuang Yu still picked up the pen to prepare the outline of the meeting. Secretary Wang Hua knocked on the door and came in, took a business card to Zhuang Yu, and then said, "Mr. Zhuang, your old colleagues in the Bank of China came to see you." ”

As soon as Zhuang Yu saw the name on the business card, he immediately 'became angry in his heart, and resentment grew to the side of his heart' -- it was this guy who blocked his way to promotion in the Bank of China. Later, he left the Bank of China in anger, but he has not taken a breath until now. It's disgusting!

However, after all, Zhuang Yu is a person of age and social experience, and when he thought about it: When people come to me, they should also treat me politely and show my demeanor. Then he smiled bitterly and said to Wang Hua, "Call them in." ”

Wang Hua went to the conference room to bring the visitor into Zhuang Yu's office, Zhuang Yu still held a pen in his right hand, got up from the swivel chair, and said, "Hello! You are welcome to guide the work. ”

Director Lin smiled all over his face, shook hands with Zhuang Yu and said, "Lao Zhuang, 'Shibei three days, impressive'." After four years of sharpening your sword, you have finally done it! ”

Zhuang Yu said a little sourly: "Human instinct, to eat, to survive, is not forced to struggle?"

When Director Lin heard what he said, he immediately changed the topic and introduced a friend to Zhuang Yu: "This is a customer of our Bank of China, I heard that an old colleague has opened, I brought it to you, his surname is Tao, his name is Mr. Tao Kaitai, and he is engaged in import and export trade." ”

Director Lin introduced to Tao Kaitai again: "This is the general manager of Zhuang Yu, we are in Shenzhen together to do the cattle to open up the wasteland, haha, in the cattle farm for ten years, Zhuang always thinks the cattle pen is dirty, ran out to do a big thing." Don't say it, he has a flexible mechanism here, and what we can't do, Mr. Zhuang will definitely be able to do. ”

Tao Kaitai greeted Zhuang Yu and said, "Hello Mr. Zhuang, I came to you today to see if you can help me with the loan." ”

Zhuang Yu said: "Okay, when it comes to loans, I'll ask our credit manager to listen to it." After speaking, he dialed the number of the credit department: "Looking for summer." ”

After a while, Summer answered the phone, and Zhuang Yu said, "You come to my office." ”

Summer looked at the wall clock on the wall, it was almost four o'clock, and it was probably time to leave, so he took his briefcase and rushed to Zhuang Yu's office.

In the reception room, Wang Hua said: "Mr. Zhuang's former colleagues in the Bank of China are inside. ”

Summer knocked on the door, and Zhuang Yu said, "Come in." ”

Summer walked into Zhuang Yu's office and looked at a few guests with kind eyes, Zhuang Yu said, "Let me introduce ......"

Later, Mr. Tao Kaitai introduced his intention to take out a loan, and in the summer, considering that he was a customer of Mr. Zhuang, he also listened very carefully and asked questions from time to time. Zhuang Yu estimated that Xia didn't know about his experience at the Bank of China, and felt the need to remind him, so he left his seat and walked out the door, and when he walked to Xia's side, he touched Xia.

Xia had already sensed what Zhuang Yu was going to say, and when Mr. Tao finished speaking and wanted to ventilate, he said, "I'm sorry, I'll go out for a while." ”

When Summer came to the reception room, Zhuang Yu whispered to Xia: "You just need to deal with it, I won't give him a loan." ”

Summer said, "Good. ”

So, I went back to the office and continued to listen to Mr. Tao talk about his way of making money in the import and export trade.

After a while, Zhuang Yu returned to the office.

In the summer, I was a little tired of seeing Mr. Tao's speech, so I said: "I want to learn more from you in the import and export business, and I also want to learn more from the Bank of China in handling the loan of the import and export business." What Mr. Tao said just now opened my eyes. Since we haven't done it before, can you learn and digest your information for us?"

Tao Kaitai said: "Okay, then let's contact another day?"

Both Zhuang Yu and Xia said, "Okay. ”

So, I shook hands with Director Lin and said goodbye.