The audit team of the Citizens Bank is talking to the manager of the second credit department, Xia. Pen ~ fun ~ pavilion www.biquge.info

"Manager Xia, today let's talk about the loan you made in the service agency. The accounting and credit teams of the audit team of the Citizen Bank said to the summer in the office of the second credit department in the summer.

Xia said: "Okay, if the audit team has any questions and opinions, just say, I know everything, and I have no end to it. After speaking, he took out the loan ledger of the second credit department and the detailed record of deposit-loan linkage analysis prepared by himself. Be prepared to respond to their queries.

At this time, Wang Huohuo, who has always been arrogant, said to Xia: "Lao Xia, don't be nervous, we are peers, we are all people from the financial service society, and we know your difficulties." Today is all about talking. ”

Summer said, "Okay. ”

It is said that Wang Torch is the person in charge of credit of the Bao'an Road Financial Service Society, and after the establishment of the Citizen Bank, his financial service society is also facing a team adjustment, and Wang Torch is worried that the cooperation with the new leader will not be good, and he desperately wants to transfer to the credit department of the head office. Therefore, in the process of checking the accounts of Hubei Financial Services Agency, he was always absent-mindedly looking for trouble, and sometimes he was shocked, which made Xia Xia very uncomfortable. Because of Summer's seniority, I wanted to criticize him several times, but I held back.

Later, Xia learned that Wang Huoju was trying to squeeze into the head office of the Citizens Bank at that time, and the ideological struggle was very fierce, and he watched his promotion, and felt that he was still very worthy of sympathy. Over time, there was a basis for working with him, and later the two worked together to recover the principal and interest of the loan owed by the two units. This is really a response: "Take a step back, the sea and the sky." —that's an afterword.

Straight to the point. Ms. Li Bao'er from the accounting team said to Xia: "We have read the list of deposit-loan linked analyses you have done, and we all agree that you are very clear about the loan-linked loan or the service cooperative's own deposits for loans, and we have no doubt about this. However, on the IOU, we see the different instructions you wrote, what are your different thoughts when you write these opinions (e.g., do you disagree), or is there no difference?"

Xia listened to her question, smiled, and said: "First of all, let me introduce that my second credit department has made loans for more than 40 loan households, and now there are more than 30 households, with a loan balance of 134.05 million yuan. Our second department mainly provides loans to service cooperatives and CEOs, and the scope of these lenders involves all levels such as military industry, public security, shareholders, and government, and we have very few individual customers. Second, a loan officer will make these loans for a long period of time, and generally speaking, it is possible that the relationship with the CEO is more special, or the relationship is better, or can be coordinated. Because, if the coordination is not good, it will be difficult for the credit manager to stay even for a month. ”

Speaking of this, Xia said to Wang Torch: "Manager Wang, do you say that's the case?"

Wang Torch smiled knowingly and did not speak.

Summer continued: "Frankly, I have a disagreement with some loans, but only at meetings. When I finish speaking, if the organization still decides to do it, I will handle it, and I will not leave my hands or feet or tail on the IOU to excuse myself in the future. There are some loans, of which I do disagree, which have been stated in the loan file, and some of which are recorded in the minutes of the meeting. ”

"The problem is that Hubei Financial Services doesn't seem to have a record of its meetings. Zhang Yu said.

Xia said with a smile: "Our comrades who debuted from regular units know that there will be sign-in books and record books for participating in the meeting, and as for whether they can take it out or not, this is the wisdom of the leadership." ”

"Another question is, there is still a check hanging in the small account of Shenzhen Bao'an Huanglong International Hotel, what is going on?"

Xia replied unhurriedly: "Speaking of this question, we have to talk about why Shenzhen Baoan Huanglong International Hotel has become our lender." ”

After saying this, I saw that everyone was anxious to know the answer. Therefore, he introduced the situation that appeared in his mind at that time, when the financial service cooperatives were facing the inspection of the People's Bank of China and might close down for rectification, and were eager to find loans from customers.

At that time, everyone was very satisfied with the large collateral of the Huanglong Hotel held by the Huanglong Hotel, and after completing the mortgage of 30 million yuan, they only borrowed 5 million yuan, and the People's Bank of China stopped the loan right. Later, after several twists and turns, several enterprises were selected to take out flexible loans, and a total of 27 million yuan was loaned. However, the cost of the loan is no longer the original monthly interest rate of two or three, but the double cost of their own organization of deposits, which has been calculated by more than three thirds. The original promises and agreements have become bargaining chips for both sides, and they were ready to go to court at one point. The difference checks, which were originally agreed to be paid two months later, naturally became the same collectible as the grain stamps and cloth stamps that were abolished in that year.

"However," said Xia, "Huang Zhonghui, the legal representative of the Royal Dragon Hotel, has confirmed the amount of this spread until now. ”

Wang Huohuo said: "What do you think of the lending business of Hubei Financial Services Society?"

Xia said: "Since the beginning of this year, our service society has faced several large capital payment peaks, and it can be said that it is facing the real threat of closing, and it is a topic to borrow funds from others. But for the withdrawal of funds, I think there are no conditions, which I suggested at the business meeting before the Spring Festival. In particular, I oppose the fact that our service cooperatives should carry out the business of splitting out for more than three months, half a year, or one year under a financial situation like this year. ”

"Do you think there will be anything wrong with the handling staff or the boss in this regard?" asked Wang Huoju tentatively.

Xia said: "In this regard, I have not touched the small account, nor have I taken out the funds, I don't know what is going on, and I have no right to speak." ”

Wang Huoju said with a smile: "Summer is worthy of summer, and hearing about it is not as good as seeing it." ”

In the midst of laughter, Xia said: "I see Manager Wang's experience, it is worth learning from me." ”

……

The conversation between the audit team of the Citizen Bank and Bu was held in the large conference room of the Hubei Financial Services Society.

The biggest difference between this conversation and the conversation between Xia Xia and Xu Donghai of the audit team is: First, there are so many people that all members from the group leader of 10,000 people and below are present, so that they can only sit down in a large conference room; second, the outline of the interrogation before the conversation has been discussed in advance, and there is also a division of labor for who will ask what questions. It was, so to speak, a dangerous experience for the person being questioned.

Bu must have come to the conference room, and the team leader asked him to sit down. Ten thousand people said: "I invite you to come today, there are some business things to ask you, after all, you have been on the front line for so long and have done so much business, we have to learn a little more from you." ”

Bu must have heard 10,000 people say this, and interjected: "I am a monk halfway, and I am not very interested in banking business, and if I do something wrong, I still ask Director Wan to criticize." ”

10,000 people asked, "What did you do before?"

Bu must have said: "Before coming to Hubei Financial Services Co., Ltd., I was engaged in personnel work, and I worked as a corporate accountant before that. ”

"Ah, that's an all-rounder. Ten thousand people said, and then he said to everyone: "Let's start now!" Xiao Wang, if you don't understand anything, you want to ask Manager Bu, start asking!"

Wang Huoju took the words of 10,000 people and asked: "Manager Bu, the three of you have made loans of 84.95 million yuan for 17 customers, of which 11 households are mortgaged for 72 million yuan, and 6 households are guaranteed for 12.95 million yuan. The average per household is 5 million yuan. Right?"

Bu must have said, "It should be." ”

Wang Huoju said: "Judging from the existing number and amount of loans, you have done a little less than the first and second departments. The first is 21 households, 196.65 million yuan, with an average of 9.36 million yuan per household. The second part is 43 households with 134.05 million yuan. The average of each household is 3.11 million yuan. ”

Bu must have said: "Mr. Zhuang trusts them more, so he does more." ”

At this time, 10,000 people interjected: "It shouldn't be this reason, right? I think Zhuang Yu still uses you very much." ”

"He paid more attention to me in the later stages. Bu must have explained.

"What do you think is the most difficult thing about taking out loans and dealing with borrowers in a service cooperative?" asked Wang Huohuo.

Bu must smile and said: "It should be said that you are our big brother, and you have more experience in this area than me." ”

Wang Huoju also smiled and said, "You have your experience, you might as well talk about it." ”

Bu must have blushed, thinking that he might not be able to get off the stage if he didn't say anything, so he said: "In my opinion, the most difficult thing for the loan customers of the service agency is to negotiate the interest rate difference with them. As you know, the service agency is a water and fire business that is worried about buying and selling, and it is really anxious to die if the loan cannot be negotiated. ”

Wang Huoju asked again: "It seems that you are the only one operating the fund lending business of this service cooperative?"

Bu must have hesitated for a moment and replied: "Lao Xia and Lao Xu are too busy with loans to get involved in this aspect, and the two little girls in the planning department don't understand it even more, so I'm the only one in the battle!"

"You should have mature experience in this area to introduce to us?" Wang Huoju said with a smile.

Bu must have said: "I am busy at the order of the boss, I get it out when I have money, and I get it back when I don't have money, so I toss back and forth." ”

At this time, another member of the audit team, Peng Xinhui, who was originally engaged in capital planning at the trade union financial service cooperative, asked: "Judging from the statements you provided, you have handled 151 million yuan in the demolition, including 148.5 million yuan in securities repurchases, which is basically the same. That's the right number, right?"

Bu must have thought for a moment and said, "It should be right." ”

Peng Xinhui continued: "What considerations do you have when you take out the funds, for example, if we want to get the money to the same industry to make money, what are the standards and requirements, and how many points do we want to earn?

Bu must have faced a few questions, and said lightly: "I haven't heard of this box. ”

At this time, Wang Huoju interjected: "Let's put it this way, for example, today the service agency has to pay 30 million deposits, and the reserve fund cannot be paid. At this time, you made a suggestion to the CEO, Heihe Securities needs funds, with a monthly interest of two cents, do you and the CE agree to split it?"

After listening to Wang Huoju's questioning, Bu must have felt a hot and uncomfortable look on his face, and it was estimated that he was red. He felt that Wang Torch was not talking in generalities, so he said carefully: "It depends on how the boss thinks about it!"

Peng Xinhui said: "We have analyzed the situation of the service cooperative's dismantling and dismantling from the difference between the business income and expenditure of the large and small accounts, and since these businesses are handled by you alone, we also want to ask you to help us analyze it: in your basically flat business of discharging and dismantling funds, the service cooperatives have roughly lost more than 2 million yuan. Why is that? As the main manager, have you analyzed this problem?"

Bu must know that this questioner is also a master of the lending business of the financial service cooperative, and he will definitely suffer a loss if he encounters it hard. So he said, "Will it lose that much? I didn't do an analysis. However, there is a time difference between dismantling and dismantling, and the cost is different. ”

Peng Xinhui nodded and said, "That's right, there is a time difference." The problem is that you are both engaged in credit and lending. It should be said that you are well aware of the cost of social funds. However, if we analyze it in the same time period, what you take out is lower than the cost of depositing in, so what do you think about it and the CEO of the service agency?"

Bu must have replied: "Generally speaking, the money we lend is the remaining 30% of the deposit part of the deposit-linked loan, and the interest rate difference here has been paid by the borrower, and we can make a profit by taking out one or eight cents." ”

Peng Xinhui said: "You have a point, this makes sense because you used the word 'generally', but when you take it out here, there is no such 'general' situation, but when your funds are very tight and very special, you still do it." I'll give you an example of what you did. ”

After speaking, Peng Xinhui opened the notepad and continued: "In May 1995, you borrowed 20 million yuan from a securities company in Guangxi for three months, with an annual interest rate of 17.4%, and you borrowed more from our service cooperative's system, with a one-year period of 21%, and even a sum of 20 million yuan in Shekou reached an annual interest rate of 25%, and you bought a one-year deposit of the same period from the society, with an annual interest rate of 23%, which is the difference paid by your service cooperative. However, what you took out was also in May this year, not even a few days, when the funds of Hubei Financial Services Society were quite tight, and you took out 13.5 million yuan to make one-year deposits in other places, with an annual interest rate of 20%. As far as the financial service society system is concerned, this deposit cost cannot be bought in Shenzhen, and judging from the small account records, the annual interest rate of the 2 million deposits you made during this period is not less than 23%. So, we're thinking: why do you have to save at 20% per annum? I don't know what you and Lao always think. ”

Bu must have listened to Peng Xinhui's speech, choked like a bone, and wanted to explain but couldn't speak.

At this time, the leader of the 10,000 team said: "Yes, we will show the big and small tents together, and the situation will be very clear." On the one hand, the position is very tight, as if it is about to be closed, and it does not hesitate to pay the interest rate difference in the big account of the business department in violation of regulations, and purchase deposits at a large and high price. On the other hand, they secretly crossed the warehouse and dismantled it at a low price. This discerning person can see what is going on. Do you have the interests of the Service Society in mind?"

Seeing the somewhat angry speech of ten thousand people, Bu must not dare to squeak, he took the pen and pretended to write and remember something in his notebook, but in fact he did not remember anything.

At this time, 10,000 people said to Bu Must: "Our audit team has a preliminary opinion, please write a summary of the business of adjusting the remaining funds since the opening of Hubei Service Cooperative." Of course, both achievements and problems have to be discussed. For example, this year, your service agency encountered several large fund payment periods, how did you spend it? How did you still take out the funds at that time and keep putting them in? What was your original intention? and so on. ”

After Wan Wan finished speaking, he glanced at Bu Bao and saw that he did not have a lot of resistance, so he asked: "Is it okay to write this game in five days?"

Bu must have estimated that this is the audit team repairing itself, and he may not really want this summary. However, as the saying goes, "standing under the eaves, you have to bow your head", do it or do it. So he said, "Okay, turn in the papers in five days." ”

"So, let's talk about it first today. Ten thousand people said.

Bu must have blushed and exited the conference room.

When he walked in the corridor, Xiao Jiujiu had already opened up in his heart: "Coordinate and coordinate, if it doesn't work, it's not 'I don't keep my master here, I have my own place to keep my master.'" Just slap your ass and leave. ”