In the president's office, in the summer, he reported to Wang Xianyao and Chen Jiaojiao on the opinions of the head office on adjusting the interest rate of overdue loans. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

It turned out that after the establishment of the Citizens Bank, in order to highlight its performance, the implementation of loan interest rates has always been high or low. The People's Bank of China (PBoC) has set a stipulations on interest rate policy: interest rates will be raised by 20 percent for overdue loans, 30 percent for loans for products and commodities that are overstocked, and 50 percent for loans that have been misappropriated. At that time, the monthly interest rate of the normal loan interest rate was 12‰, and the old loans of the financial service cooperatives were generally overdue loans. In addition to the reasons mentioned above: in order to highlight the needs of performance, all go higher, under the accrual accounting system, the book profit is out, but the uncollected interest receivable is also like the belly of a pregnant woman who is pregnant with a four-month baby, and the bulge can be seen day by day. This uplift does not matter to anyone, but it is a problem for the leadership who originally wanted to use it to show their achievements, and as time goes by, the interest receivable will increase by tens of millions every month, and it will be difficult to explain it to shareholders and society. As a result, we had to organize a meeting of the various branches to reduce the originally high interest rate.

In the Hubei sub-branch, as early as when the accounting department of the head office asked for a high interest rate, it was proposed at the meeting of the middle level and above of the branch in the summer that it was inappropriate to calculate the 50% interest rate hike on old loans. The reasons are: First, the interest paid by enterprises to banks is always a part of the profits of enterprises, and there are not many enterprises in Shenzhen that can maintain normal operations at a monthly interest rate of 18‰. Second, as a social enterprise, the bank must never forget the agreement it made with the enterprise when making loans, and if it is overdue, it will be overdue, because the high cost of the loan is one of the reasons why it cannot afford to repay it, and it will be difficult for the bank to deal with them if it has any extraneous branches. Third, the increase in interest receivable will eventually be unrecoverable, and banks will still have to take the road of write-off in the future, which will cause trouble for themselves.

At that time, after the summer made the above statement, it did not receive a positive response from everyone, but on the contrary, it increased the suspicion in the governor's mind that there was something wrong with him and the borrower. Later, due to the shortage of funds, the Hubei branch on the one hand let the old loan households spend money to organize more than 70 million yuan of fixed deposits, and on the other hand, continued to overestimate their penalty interest. In the summer, I felt that it was unreasonable, and if I continued to do it, I would inevitably lose the support of the enterprise, so I wrote a request and coordinated with the head office to reduce the interest rate of the old loans of more than ten companies to 12‰ and 15‰.

It is said that on the same day, at the planning and credit meeting attended by the two vice presidents of the head office, He Renyou and Feng Laodao, the directors of the accounting department, the planning department and the credit department came, which showed that the head office attached great importance to this meeting. At the beginning of the meeting, all branches put forward their views on the implementation of the loan interest rate policy, and one of the practical problems mentioned in it was that the accounting departments of all branches said that the accounting office required an overcharged interest rate. Lu Aiping, the director of the accounting department, who was sitting on the side, blushed and turned white when she heard it.

After you went back, you told the director of the sales department that overdue is overdue, and how to punish the rest, and the notice of the credit department cannot be added without a plan. The sales department is sitting in the hall, how do they know which loan is oversaved and which loan is misappropriated?

This is the reason that Lu Aiping said in his words, but all branches say that the business department of the branch has a high arbitrage interest rate, is it possible that the directors of the sales department of each branch are all fools? Xia said in his heart: "The lesson of others is their own experience, and what they are most afraid of following the trend is this: nodding and huffing to implement the leader's verbal instructions, when things are done, there is a problem, and the responsibility is gently pushed by the leader's hands, and he carries it on his shoulders steadily." ”

Under the repeated hints of He Renyou and Feng Laodao, the participants finally understood a truth: what they had to deal with was the contradiction between the book profits and interest receivable of the Citizen Bank. It's like a person lying on a bed with a deep pot, and the pot on his body becomes a fulcrum, and when people press down on his head, the foot side rises, and if he presses his foot down, the head side rises again. Of course, Luo Guo doesn't want to be beautiful or beautiful, but to balance the head and feet.

The meeting made a decision: the overdue loans calculated at a monthly interest rate of 18‰ in the current year, which are still hanging on the interest receivable account, are either really characterized as misappropriation of loans, or they must be stuck in the end, all of them will be refunded to the standard of 20% additional interest, and the procedures for writing off the accounts will be completed before the end of the month.

In the summer, after reporting the spirit of the meeting of the head office to Wang Xianyao and Chen Jiao, the three of them studied the situation of the branch. The final tone was set as follows: Those who have already borrowed new loans to repay old ones will not be refunded; those that have already been notified by the credit department that they have embezzled loans will be maintained; and those that are more difficult to distinguish will be withdrawn.

After the plan was decided, Summer asked, "Then get a written notice to implement it?"

Wang Xianyao and Chen Jiaojiao agreed.

Summer thought, the tone set by the branch is already very clear, without any ambiguity. He called Wang Yang to follow the president's opinion, use the elimination method to remove the enterprises that have borrowed the new to repay the old and have originally issued a notice of misappropriation, and the rest made a list, and wrote a business letter in the name of the branch plan and credit department in the summer, Neiyun:

Letter on the correction of the arbitrage of interest rates on overdue loans

Business:

On the 26th of this month, the head office held a meeting to correct the arbitrage of overdue loan interest rates, requiring self-examination and self-correction at the end of this month. After study, the sub-branch decided that the overdue loan interest rate of the following enterprises from January 1, 1996 to the notice period and beyond shall be subject to the provision of 20% on the basis of the normal loan interest rate. If it is originally overcalculated, it should be refunded and reduced in accordance with the requirements of the head office.

I have the honour to write here.

Attached: List of Enterprises Subject to Interest Reduction

Citizens' Bank Hubei Sub-branch Planning and Credit Division (India)

27 November 1996

After writing in the summer, I saw that Wang Xianyao had left the branch, so I came to Chen's office and prepared to show Chen's work, and Tan Feiyan, the deputy director of the sales department, happened to be present to talk to Chen Jio, and Xia said to her: "You happened to be there, and yesterday I went to the head office for a meeting to talk about adjusting the interest rate, and it seems that you are going to be busy for a while." After speaking, he gave the business letter to Chen for inspection, and after Chen wrote it, he gave it to Tan Feiyan and said, "You deal with it according to the order." ”

After reading it, Tan Feiyan said, "Is there a mistake?

Xia didn't speak again, left Chen's office, and then made a phone call to Wang Xianyao and told him: "The list of interest rate reductions has been shown to President Chen, and Tan Feiyan is also present, she doesn't seem to be very comprehensible." ”

In the afternoon, Wang Xianyao, Chen Jiaojiao, and Xia were in the president's office to complete the procedures for receiving the 14 million deposit receipts of Anyan Automobile City Co., Ltd., and to make it clear that Wang Xianyao asked Xia to accept the 14 million yuan deposit receipts, and Xia wrote a receipt in the name of the credit department and stamped the official seal of the credit department.

The official will ask: The head office is very afraid of getting involved with the Anyan Company, isn't it afraid that something will go wrong in the summer? No, everything in the matter, mutual restraint, fear and fear, the cycle repeats, it has its own internal conditions, as long as you control his requirements, of course, there is nothing to be afraid of. Xia thought, although I received his 14 million yuan deposit slip, this does not mean that I took the 14 million yuan, when it is cashed out in the bank, there is still a whereabouts of the funds can be checked, the problem can be explained clearly.

At this time, Tan Feiyan took the official letter of the credit department business handed over to her by Chen Jiao in the morning and came to Wang Xianyao. He asked, "Governor Wang, is this notice of interest rate reduction really going to be implemented?"

After hearing this, Chen Jiao became angry, and thought to himself: She doubts my authority! I have said that I will do it, but I still can't do it? Then he got angry and said: "Tan Feiyan, did you take the wrong medicine or something? The notice clearly stated that it was studied by the sub-branch, and I personally handed it over to you, do you think it will not work?"

At this time, Tan Feiyan's face was flushed, and she said to Chen Jiao: "President Chen, no! It's not that I have doubts about you, I want to ask President Wang's attitude, but I didn't see President Wang's signature." ”

After listening to Tan Feiyan's statement, Xia glanced at Wang Xianyao and found that Tan Feiyan's last half sentence was very useful to President Wang.

After a while, Wang Xianyao said: "Director Tan is doing the right thing. ”

After saying this, Tan Feiyan's red face slowly turned white. Chen Homework was silent on the side.

Xia smiled calmly and said to Tan Feiyan: "My opinion is that in the past, it was the head office's idea to overcharge interest, and now that it is almost the end of the year, it is also the head office's idea to adjust it." From the perspective of policy understanding, it is right to increase the interest rate of overdue loans by 20%. The Accounting Office said that it had never arranged for each branch to charge an interest rate of 50% for overdue periods, and requested that it be conveyed to the directors of the business departments of each bank. ”

Tan Feiyan said anxiously: "So, are we doing it ourselves?"

Summer smiled and stopped talking.

In fact, judging from the relationship between Tan Feiyan and the two presidents, it is obvious that Chen Jiaojiao has a better relationship with her, she was promoted by Chen Jiao as deputy director during the period of Hubei Financial Services Society, and after the Citizens Bank took over, she no longer had a position, and later became the deputy director with the efforts of Chen Jiaojiao. Therefore, without Chen's homework, there would be no Tan Feiyan's yesterday and today. And Wang Xianyao obviously likes summer a little more for Tan Feiyan and for summer. This is the conclusion that Wang Xianyao came to through the multi-dimensional and three-dimensional network cable, otherwise, he would have been out of the branch in the summer long ago.

So, what is the reason why Wang Xianyao, who was originally cautious in this summer, turned to support Tan Feiyan?

The reason for this, Xia saw it very clearly: Wang Xianyao and Chen Jiao are both vice presidents, if Chen Jiao agrees to do something, he can do it in the bank, then Wang Xianyao's status is a little troublesome. This is one. Xia and Tan Feiyan belong to two departments, and they restrain each other, so there is nothing wrong with it. Moreover, Tan Feiyan said that he did not see President Wang's signature, and he should be more affirmed. This is two. Chen Jiao, Tan Feiyan, and Xia Xia should be three points to one, and their subordinates should be responsible for him, support and restrict respectively, which is wonderful. This is three. Wang Xianyao was also worried that Xia himself would blackmail the Son of Heaven to order the princes to falsely pass on the holy decree. This is four.

However, although summer can be seen clearly, it just doesn't break it. After returning to the office, he wrote in his diary:

Tan Feiyan and Chen Jiao's quarrel makes people think about it. First of all, Governor Wang also likes to restrain each other, and even fight with each other. On several occasions, Tan Feiyan deliberately showed that she was very responsible for the president, and was actually supported by President Wang. This cannot be ignored. Therefore, if you want to notify the sales department in the future, you must have the signature of the president. Secondly, some things on loans should not be too persistent and focused. The president also has the idea of digging into the subject. If the credit office has opinions and opinions, the president can sacrifice others, and this must be guarded against. The third is to make friends with old borrowers. Like Huang Zhonghui's loan, I offered mediation, and in the end, he simply asked me to recuse myself. This is not necessarily good for the work of the sub-branch. Fourth, we should be good at making small adjustments to adapt to changes.

Judge: You should be able to feel the realm of selflessness in the bottom of Summer's heart, right? Unlike you, the little one reminds me of a folk tale, which is the best satire on the dogma that seems to follow the rules:

It is said that there was a husband and wife who had a conflict over family matters, and the two started to fight. The wife is a famous shrew, and when she makes a move, she is really angry from the heart, and the evil is born to the guts, and she uses her fists and feet, which is a real blow to her husband. And this husband remembers an ancient adage: "Good men don't fight with women", fighting, fighting, and slowly hiding under the bed, so that his wife couldn't exert any strength, so he called him out one by one.

In the south of China, people's residences pay attention to "cold and hot do not go upstairs", which is due to the abundant rain in the south, and the wooden beds are placed on the first floor of the house, which are half a meter high from the ground, ventilated and ventilated, and the bed surface is dry.

But he said that after the husband hid under the bed, the wife couldn't fight, and the anger gradually subsided, and he felt that it was not a problem to let a big man cat under the bed less than half a meter high, so he said a little distressed: "Come out! Come out!"

At this time, the husband recovered his vitality and said in his heart, "Then you won't be able to fight!" So, his tone gradually hardened, and he said: "Don't come out! If the man's husband can't say it, he won't come out!"

At this moment, the neighbor was looking for her husband and was shouting outside. The wife standing outside had already heard the call of the comer, so she said to her husband anxiously: "Come out quickly, if there is something, come out quickly!"

Her husband didn't know that someone was looking for him outside, and he thought that his wife was going to pull him out and beat him up!

At this time, the neighbor had already entered the house, but he could not see the person but heard the voice, so he asked his wife, "Where is the person who heard the voice?"

Thanks to his wife's urgency, she said to her neighbor: "He was looking for something in his room, but he didn't find it and refused to come out." ”

After a while, the neighbor saw her husband slowly crawling out from under the bed, and couldn't help laughing, and finally laughed.

It is said that the summer saw what Wang Xianyao was thinking, and he did not say anything, and still followed his established policy, doing his work day after day and in a hurry, and was affirmed by the employees in the industry and Wang Xianyao over time. On the other hand, Tan Feiyan, it doesn't matter if she talks about it beautifully once or twice, but after a few years, she says it is beautiful, she doesn't practice it, or she doesn't say it is the same as what she does, just like a deflated chef who doesn't put salt when cooking, only monosodium glutamate and sugar. When people brought the food to their mouths, they suddenly found that it was sweet and jerky, and it was very difficult to swallow. In this way, you don't have to be hurt by others, and over time, you will not be able to stand on your own. Later, Wang Xianyao finally became disgusted and gradually became estranged from Tan Feiyan. (To be continued.) )