It is said that Wang Xianyao, as one of the main persons in charge of the personnel inspection team of the Citizen Bank, came to Hubei Financial Services Co., Ltd. for inspection and reported to the leaders of the bank. www.biquge.info Unexpectedly, because the Citizens Bank was determined to implement the need to quickly cut through the chaos of the Hubei Financial Service Society, he was pushed to the front line of the grassroots bank, and immediately became the leader of the Hubei Financial Service Society, cleaning up the chaos of the Hubei Financial Service Society.

There is a saying: the face is different, but the situation is the same. Although there was a change in the general manager's swivel chair, the financial service cooperative's tight financial situation has not changed. On the other hand, compared with Zhuang Yu, Wang Xianyao is obviously more tired. Because Wang Xianyao has to deal with the payment of funds, the screening of old employees is also a very serious job, and if it is not done well, something big will happen.

In this way, Wang Xianyao came during the day and went at night, working for more than ten days, and was so tired that he couldn't move on the way home. His family lived in a welfare house in Futian, which was arranged for government officials to live in the early years, and because it was a multi-storey building in the early years, there was no elevator installed. Every night when he came home from work, it became a big burden for him to climb up to the sixth floor.

Wang Xianyao's wife is a bank management cadre with many years of management experience, and has also worked hard for many years at the section and department levels. Seeing that her husband, who had just debuted as a grassroots leader of the bank, was tired like this, I didn't know whether it was out of sympathy, pity, or sourness, and said: "I have seen many people who are officials, and now, even the president can see ten or eight every day." However, I don't see anyone like you who deserves to be a governor who can't walk. Is it really so hard to be an official of your citizen bank?"

Wang Xianyao's character traits are soft and soft, soft on the outside and rigid on the inside, and he is a standard modern man at home. As long as you can understand the shareholding reform of enterprises in recent years, you will definitely be able to understand the significance of this. At home, the hostess is generally the chairman, and the man is the general manager at best. As for whether the general manager has the right or not, it depends on how the chairman thinks about it. But Wang Xianyao is obviously a smart person, he thought: "This 'home' word is not so easy to write, I am a person who can't manage big things, and I can't manage small things well, it's better not to care about anything, the sky is falling and there is a wife to support me, why not?" As soon as this thought came out, Wang Xianyao's home became his veritable haven of peace and leisure.

Wang Xianyao could hear it. Although there is an element of sarcasm in his wife's words, he still loves him. said: "Hey, I just took office, I can't find the north, it's a little uncomfortable." ”

"Take off your shoes and socks first, soak your feet in hot water to strengthen blood circulation. His wife said.

Wang Xianyao obeyed his wife's instructions and took off his shoes and socks.

His wife immediately brought a basin of hot water and put it at Wang Xianyao's feet, and Wang Xianyao began to soak his feet in hot water.

The audit team of the Citizens Bank and the new team headed by Wang Xianyao share information on the audit of accounts, which is also part of the head office's review of the old employees of the financial service cooperative. Whether it is the evaluation of loan quality or the abnormal situation found in the small account, they are communicated in a timely manner at the meeting at the end of the day every day.

A few days after his arrival, according to the information obtained by the two groups of the head office, he quickly identified the temporary person in charge of the planning and credit department, and announced: The credit department will be temporarily in charge of Xia, with Xu Donghai assisting, and the planning department will be temporarily in charge of Bu Ding. At the meeting, Wang Xianyao repeatedly stressed that this is "temporary responsibility", and the implication is that it can be changed at any time.

After a few days, Gu Dingli, president of the Citizens Bank, decided to come to Hubei Financial Services Co., Ltd. to take a walk, first, to see the basic situation, and second, to cheer up Wang Xianyao.

On the morning of this day, Gu Dingli, Luo Yi and Shen Rong, secretary of the Commission for Discipline Inspection, led Gu Yuan of the Planning Department and Feng Laodao of the Credit Department to Hubei Financial Services Society. Wang Xianyao and Chen were very busy and warmly received the leaders of the People's Bank in the conference room.

Then, Wang Xianyao reported to Gu Dingli some newly discovered situations in the past few days, such as the discovery of some brainless investment businesses, and the purchase of fund-raising houses and peasant houses, the amount of which is roughly tens of millions of yuan, and the details are under investigation.

Gu Dingli interjected and said: "These losers are just afraid that the world will not be chaotic! You guys check carefully, there are some things you have to dare to contact Zhuang Yu and see what he says. ”

……

At noon, Hubei Financial Services Society set up two tables in the VIP lounge of Jingpeng Hotel to pick up the wind for Gu Dingli and his party. Wang Xianyao considered that it would be better to contact the counterpart in the future, and invited all the cadres above the department manager level of the financial service society to attend the meeting and lunch.

During the meeting, Gu Dingli and Shen Rong also expressed some insightful views, such as: Viewing the merits and demerits of financial service cooperatives from history; correctly distinguishing between work mistakes and economic crimes; properly grasping the issue of responsibility between policymakers and executors; and objectively evaluating the issue of Shenzhen's capital cost and market interest rate. Wait a minute. This made them feel that the leadership team of the Citizens Bank had a high level, thoughts, and vitality, and that they had just the right grasp of things.

As a result, the summer had a positive view of the Citizens Bank team led by Gudingli.

In the Shenzhen Hall, the first staff meeting of the Minmin Bank was held here. All the staff are preparing to listen to the speech of the president of the bank for the first time.

There were more than a thousand employees sitting in the audience. People looked up and saw that on the rostrum of the conference, in addition to Gu Dingli, Vice Mayor Wu Sisi and Ma Yinglong, vice governor of the People's Bank of China, who were specially invited to attend the meeting, also sat in the middle of the rostrum, while the vice bank-level leaders of the Citizens Bank such as Luo Yi, He Renyou, Wu Qing, Shen Rong and others sat on both sides like stars holding the moon. In order to set off a thick and peaceful atmosphere on such a large rostrum, in the back row of the rostrum, sat the directors of the Citizens Bank Agency.

The staff meeting was presided over by Vice President Luo Yi. After soliciting the opinions of Wu Sisi and Ma Yinglong, who were sitting next to him, he moved the microphone with his left hand, glanced at the audience, and habitually pushed the myopic glasses he had already worn on the door of his head with his right hand, and said slowly: "The meeting is over! Today, we held the first general meeting of all employees of the Citizens Bank. The agenda of the meeting was threefold: First, President Gu would make a report; second, second, commend the advanced elements in the preparatory work for the establishment of the Citizen Bank; and third, invite Vice Mayor Wu to give us instructions. Comrades: Before this conference, the head office invited staff representatives from various departments and grassroots units to gather in various offices of the head office for a three-day preparatory meeting. In the preparatory meeting, a good guidance of opinions and suggestions was formed, which provided a basis for President Gu's keynote speech at today's conference, that is to say, President Gu's speech today is very targeted, and he will answer all kinds of questions at the preparatory meeting. Next, I would like to invite Comrade Gu Dingli, President and Secretary of the Party Committee of the Bank, to make a speech. ”

After a round of applause, Gu Dingli's loud voice resounded throughout the venue: "Comrades, under the guidance of the head office of the People's Bank of China and the special zone branch, under the specific organization and implementation of the municipal party committee and government, and through the unremitting efforts of all the staff members present, a bank with a variety of joint-stock structures and a starting point of stabilizing the financial and economic environment and guarding against financial risks has been smoothly operated! It is our people's bank. I would like to address three issues: first, the basic situation of the meeting, second, answering practical questions, and third, hopes and demands. ”

Then, Gu Dingli affirmed the preparatory meeting attended by the employee representatives in a positive tone. When he talked about answering practical questions, people did not expect him to be so frank, and put the problems of fixed deposits and loans, interest rate spreads, and bonuses in the Shenzhen Hall, and talked about them in front of Vice Mayor Wu Sisi.

After the first question, he began to answer the practical questions that the Citizens Bank should deal with.

He said: "First, on the issue of properly handling the relationship between high-interest deposits and existing new deposits. First of all, we should affirm that the deposit of high interest is an unfair business practice. The task before us is to digest it gradually, solve it gradually, and achieve a soft landing. However, funds that are significantly higher than the market price are not available.

Now there is a problem, a few years ago, Shenzhen began to blow the wind of rising interest rates, and the country's funds ran to Shenzhen. You say, is the People's Bank of the Special Administrative Region not clear? Is the head office of the People's Bank of China not clear? Is the State Council not clear? I think it is clear. As a matter of fact, in the recent period, the head office of the People's Bank of China has also been studying the issue of marketization of interest rates. In our view, deposits that are higher than the interest rate set by the People's Bank of China cannot be withdrawn as bonuses, or the proportion of bonuses should be greatly reduced. ”

"2. On the issue of attracting deposits and granting loans. Don't dismiss it lightly and say that it's not advisable. In particular, banks like ours, which have just opened, can continue to practice for a period of time, but it must be based on the guarantee of branch spreads and the basis of guaranteed repayment. At the same time, we should also pay attention to two issues: First, we should do a good job of complementary interest rate differentials and interest rates between enterprises, and we should not violate the rules in terms of technology and business form. Second, it is necessary to do a good job in the review and control of the loan link, and when the principal and interest of the loan are not sure to be recovered, it is better not to do it. Among the 'three natures' of loans, safety and efficiency come first. ”

Gu Dingli may have been a little thirsty, took a sip of boiled water, and continued: "Third, on the issue of rectifying the team. At the preparatory meeting, I participated in the discussion of the staff representatives of the credit group and was very inspired. Our veteran employees are seriously thinking about the problem of getting closer to the party organization in their hearts, and thinking about having a space for upward development through their own efforts. We, who are presidents and division chiefs, should be happy and happy to have such subordinates and colleagues working together. This is because we want to build a first-class bank, not just by ourselves or by a few capable people, and by a year and a half of time, but we must form a cascade structure of talented people and reserve cadres in terms of mechanism, so that they have room for development and are willing to contribute. In this way, there is hope for our cause and the realization of first-class banks. ”

"Comrades, this meeting formed an opinion on the rectification of the existing contingent, and each branch can put forward a plan for rectifying the contingent, and those who meet the conditions can stay, and complete the transfer procedures. The personnel problem must be resolved in the short term. Here, I stress the need to properly handle two issues: First, properly handle the relationship between rectification and stability. In the course of rectifying the ranks, it is necessary to prevent individual leaders from taking the opportunity to rectify the situation and seek personal gains. Second, it is necessary to pay attention to the relationship between rectifying the contingent and stabilizing deposits. If we don't pay attention to this and dismiss some old employees who seem to be unpleasant but have pulled a lot of deposits, they can also go to work in other banks, and we are facing a more tight financial situation. Of course, there are still some people who rely on their power to run rampant and domineering, and we must persist in eliminating those who have a little savings and work level, but who often stir up trouble in the unit, and whose negative effects exceed the deposit effect. ”

"Fourth, on vigorously grasping the work of clearing loans and arrears of interest, ....... ”

Gu Dingli spoke in an orderly manner, and when he touched on the third issue -- "hopes and demands," he made detailed arrangements for the implementation of the meeting.

People can see that he is a leader with a certain level of theory and is very pragmatic.