It is said that President Wang Xianyao called Xu Donghai to the office, and it was appropriate for him to be so ground-based, so he arranged the task of investigating the increase in loans of SZ Yuanda Industrial Development Co., Ltd. to Li Guolan, a loan officer, to complete it alone. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Li Guolan is a subordinate who likes to go through the door, and after she accepted the task of loan investigation from Xu Donghai, she first went to the president's office to find out Governor Wang's attitude towards the loan. When it was over, he came to Summer's office again and said to Summer: "Manager Xia, Manager Xu asked me to go to Shanwei to investigate Mr. Huang's company, do you have any instructions?"

Xia looked at Li Guolan, not like a pretentious, so he said to her: "The purpose of going to Shanwei is to understand the investment in this power plant, how much Huang Hui's enterprise shares, how is the construction now, has it just started, or has it already generated electricity? What is the plan in terms of efficiency? What is the actual situation? Wait, when you go there, the key is to get the real thing, as for the real loan after you come back, that is a matter to discuss after you come back." ”

Li Guolan thanked Xia for the mention and said, "Thank you Manager Xia for your order, I'm leaving." ”

Xia looked at Li Guolan's back as she walked out of the office, and said to herself: "Multiple identities: a junior high school student, a young woman under thirty, a mother of several children, a divorced woman (although some people say that this divorce is a bit fake for her husband to avoid debts), and she is still a more competent bank credit field agent, and several roles inside and outside her are integrated into her." At the same time, she is also a high-risk person, and if she is not well controlled, there will inevitably be problems. ”

At this time, Chen Yun, who used to work in the asset loss prevention department of the head office and has now been transferred to the president's office of the head office as a secretary, called Xia: "Hey, Director Xia, am I? ”

Summer said, "Hello, why did you get to the governor's office, you still can't forget to take care of your brother?

Chen Yun said in the tone of his usual speech: "Instruct a ghost, take care of a ghost! Now, it is true that you want to take care of it." ”

Summer heard the words and asked, "What do you want me to help with, you said, as long as I can help, I will do it." ”

Chen Yun said: "I dare to open my mouth with your words, I think, tomorrow your car is free, borrow me for a day." ”

Summer said, "Okay, do you want more seats, or less?"

Chen Yun said: "I think it's the one that Xiao Ren usually opens." But I said, "This is what I borrowed from you!"

Xia said: "Okay, no problem, don't worry! When I get off work in the afternoon, I ask Xiao Ren to drive the car downstairs to the head office and wait for you to hand over the keys, okay?"

Chen Yun said: "Okay, thank you!"

Xia put down the phone and went to the president's office to tell Wang Xianyao about it, and President Wang said, "Okay." In the afternoon, he called Ren Erwei to send the car over. ”

As the end of the year approaches, a series of year-end related work is being deployed and carried out among various units. This is also a characteristic of China, and the Hubei branch is no exception. In the afternoon of this day, Wang Xianyao held an executive meeting in the president's office, and the main contents of the meeting were related to the end of the year, one of which was to convey the head office's decision to do a good job in the closing work at the end of '98, and in the remaining less than a month, he would not slack off and complete the various business indicators better. The second is that each department began to start the year-end summary work, and the summary of the sub-branch should be handed over to the head office on December 14. The third is to set up a leading group for the personnel assessment of the sub-branch in accordance with the deployment of the head office. Wang Xianyao served as the team leader, and the members were composed of Chen Jiao, Gao Liping, Xia, Xu Aiqun and confidential staff, because Han Xiaoniu took a leave of absence for three months, and her confidential staff work was temporarily replaced by Liu Di who was transferred from the sales department, so Liu Di participated in the personnel appraisal work. The fourth is the work of "three prevention and one guarantee", and all departments must implement their responsibilities well and do not have problems in the time period when they are on the doorstep.

After the meeting, when I returned to the office in the summer, I felt that there were still a lot of tasks to be completed by my department, and there was no need to mention the year-end summary and personnel appraisal work that everyone had to do; the large pile of borrowing new money to repay the old business still had to be accelerated; and there was also the issue of clearing bonuses, and preliminary statistics still had to pay close attention to the declaration of about 70,000 yuan, and not to delay it until next year.

However, he said that after Li Guolan learned about the idea of the leaders of the branch to increase the loan of the Yuanda Company, he went around the beach of Shanwei with Huang Hui and saw that the power plant that Huang Hui said was under construction, and it was because he wanted money to invest here that he asked the bank to increase the loan. As a result, there was no way to complete the survey projects that the summer had mentioned.

At this time, Huang Hui may have seen Li Guolan's thoughts, and said to her: "Don't burden so much, this is a loan pressed down by the head office, you just need to deal with the scene, look at the scenery, eat seafood, see your hometown, and then bring some seafood home, and then go back and report well." It's done, and I won't forget your good. ”

Li Guolan said: "The reason that Mr. Huang said is this reason, and I want you to take care of more places." ”

Huang Hui is a businessman, and he instructed the driver to go to the free market and buy a large stack of seafood and put it in the trunk of the car, so that Li Guolan could take it back to Shenzhen.

In this way, she stayed in Shanwei for one night and returned to SZ the next afternoon. But after she came back, she didn't go to the branch, but directly asked Huang Hui's driver to drive the car to her door in Lianhua Village, took the seafood and said "goodbye" and got out of the car.

The next day, she reported to the two presidents, Xia and Xu Donghai. After receiving the bank's instructions, he wrote a loan investigation report of Yuanda Company in less than two days and sent it to Xu Donghai's desk.

Xu Donghai is a lover of personality, and in less than half an hour, he approved the words and sent the file to Wang Yang, the censorship post under the jurisdiction of Summer.

It is said that although Wang Yang was Xu Donghai's subordinate at the earliest, he has been working with Xia for four years, and he knows that Xia Xia's analysis of problems is based on evidence, and he can't be casual, so he calculated and scored the materials handed over by Xu Donghai according to the procedure, and carefully reviewed them. Later, I still didn't dare to write my opinion on the approval form, so I took it to the summer office to ask for summer's opinion.

Summer asked, "What is your overall opinion?"

Wang Yang said: "The scoring of the two units is still so-so, but Li Guolan's mention that the enterprise is operating very well and the return on investment in Shanwei Power Plant is very high, but there is no basis." Moreover, the bank loans of more than 30 million yuan for this enterprise are all old loans, and although it is said that the Yuanda Company has just been acquired, it is still regarded as a debt of the enterprise! In this way, the overdue rate is high, indicating that the credit is not good. How do you think it's written?"

Summer's subordinates who have independent views on analyzing problems have always been very satisfied, and after listening to Wang Yang's words, Summer commented: "You have grown a lot after several years of training. ”

Then, after glancing at Wang Yang, he continued: "Huang Hui dared to spend 5 million yuan to acquire this state-owned enterprise with a bank loan of more than 30 million yuan, and he actually took a fancy to a piece of its land. Of course, there will be no shortage of problems in this enterprise, because in the past, it was the same scale as the first-class state-owned enterprises under the municipal government where I used to stay, and it only made a profit of about 2 million yuan a year. It makes sense for the city to sell it. Therefore, we must not be too naïve or too romantic in evaluating their profitability and repayment ability. Like Li Guolan, who saw the sea view on the beach of Shanwei, he was very freehand, and he howled violently: 'I love you!' I don't think it will be possible to generate much profit. So, leave room for that. ”

Wang Yang said: "However, this is a customer pressed down from above, so you can't write a negative opinion, right?"

Xia thought for a moment and said: "Well, your review opinion reads: 'After reviewing the company's existing information, it agrees to investigate the credit rating of the post, but the company has just completed the acquisition, and the probability of realizing its profitability and cash flow plan is not high, and its ability to repay its debts in the short term is poor. Agree to submit the enterprise loan application for approval. 'What do you think?'

Wang Yang agreed: "I agree. In this way, our attitude is indicated on several key points. ”

Xia smiled and said: "My opinion here is written: 'I agree with the opinions of the Ministry of Review and submit it to the superior for approval.'" ’”

Wang Yang said: "Then I'll copy it." After she finished speaking, she quickly wrote the contents of the summer frame on the loan approval form.

Then, in the summer, I also finished writing the comments of the chief of the examination section (director).

When Wang Yang was about to take the loan information to the president's office, Xia said to her: "There are two other things I want to say hello to you first, one is that you should hurry up and report the 'two clearing' bonuses, and don't publicize them." In my opinion, which department collects the money belongs to that department, this is my consistent attitude, and it is also the connotation of SZ. Second, by the end of the year, there are several enterprises that borrow new and repay the old, such as Oushen Interlocking Trade (SZ) Co., Ltd., SZ (Shenming) Lighting Industry Company, etc. are the president's customers, and our department can relax the scoring of settlement deposits, and do not make trouble with the product development department on this issue, so as not to be used by them to play on the topic. ”

Wang Yang knew that Summer's attitude on bonuses might make people in the product development department have opinions, so on the other hand, he backed down a little and admitted: "Okay, what you assigned, I'll try to do a good job." After speaking, he took the loan report file in his hand and said to Xia, "I will give this to President Chen?"

Summer said, "Okay, you send it." (To be continued.) )