If Zhou Kaige, the legal representative of Shenzhen Jin Kaige Development Co., Ltd., said a lot of lies and deceived many people in his business experience, so that he only got the first pot of gold and started real estate, many people will believe it. However, what he told Wang Xianyao was that he had approached the city leaders and asked the city leaders to grant another loan to his company for the citizen bank that was fighting a lawsuit against him.www.biquge.info

Generally speaking, if a bank and an enterprise go to court because the bank does not repay the loan, and ask the court to administer justice and recover the principal and interest of the loan, this enterprise is an untrustworthy enterprise in the eyes of the bank, not to mention the bank concerned, even if other banks know that there is such a thing, they will never have a new credit relationship with it.

However, this kind of thing, which seems to have become an unwritten rule in the industry, has no place in the credit department of the head office of the Citizens Bank of China because it is crowded out by its own officialdom interests. However, this point may not be too much to blame for the fact that the corners of the credit department do not take the interests of the Citizens Bank seriously, and the blame can only be blamed on the road of promotion and appointment of the Citizens Bank, and the element of determining the future based on the personal likes and dislikes of the leaders is too large, and there is only the rule of man, and there is no rule of law. Those systems and regulations are only used twice a year, that is, they are copied a little more when writing year-end and half-year summaries.

The Citizens Bank has been in operation for more than a year, and Gu Dingli himself is already a little afraid of difficulties, thinking about a plan to get out in private, while a group of people below him are fighting for vested interests. Let's just say that: for more than a year, the mechanism of the Citizens Bank has been like an old bureaucracy that is half official and half business. It was supposed to get rid of the bad things of the service cooperative, but as a result, the bad ones stayed, but the good spirit of the flexible operation of the financial service cooperatives and the sense of belonging of the actors were changed. Therefore, a considerable number of people who stay in the head office, if not all, have short-term behavior than anyone in the branches. The performance of short-term behavior in credit management is that because it takes a year and a half to judge the right and wrong of a loan, then when it comes to the credit office to make a loan, it becomes the leader who says yes, and the leader says no, it doesn't. "Anyway, it's Grandpa's, why am I in a hurry?"

It is said that this morning, Wang Xianyao came back from a meeting at the head office, brought back a bag of loan declaration materials, and put it on his desk. Then, call Summer over.

Summer came to the president's room and said, "President Wang, are you back?"

Wang Xianyao said: "I just arrived. When I was about to come back, Director Yi brought me a bag of things and asked us to conduct a loan investigation to see if it worked. After saying that, he pushed the information in front of Summer.

In the summer, I opened the information bag and found a set of loan application materials in the bag. The column of the borrowing enterprise reads: "Shenzhen Jinkaige Development Co., Ltd.", and the legal representative is Zhou Kaige. The guarantor provided in the information is the "Shenzhen Jinfeng Agricultural Products Company", which operates the Hubei New Vegetable Market. The loan amount is 5 million yuan.

Xia took a rough look at it, as if talking to himself, and as if he said to Wang Xianyao: "It's Zhou Kaige again, it's very capable of tossing, while fighting a lawsuit, I give him a loan, which is a bit awkward." ”

Wang Xianyao said: "There may be a little background, go investigate!"

Summer said: "Generally speaking, no, but I will cooperate with you to handle this matter as well as possible." ”

Wang Xianyao said: "The credit office asks you to investigate in person. ”

Summer asked, "Why, did they say it?"

Wang Xianyao said a little unhappily: "If you are asked to go in person, you will go in person, is there so much why?"

Seeing that Wang Xianyao was unhappy, Xia explained: "I can do it in person, there is no problem with this." But this guaranteed loan of 5 million, according to the regulations of the head office, the investigation department of the credit department should also come, do I ask Luo Yingying, section chief, to come down with me?"

Wang Xianyao said impatiently: "You can make an appointment with him!"

Summer withdrew from Wong Hsien Yew's office.

The next day, in the summer, I went to the head office to participate in the credit meeting, and before leaving, I found Shu Guangrong and Li Chaoyang, and handed over the office and said: "This is the loan investigation enterprise sent by the credit department of the head office, and the proposed borrowing enterprise is Shenzhen Jinkaige Development Co., Ltd., and the guarantee company is Shenzhen Jinfeng Co., Ltd., which seems to be engaged in the Hubei vegetable market." When I go to the head office for a meeting, I will ask Mr. Luo from the Investigation Department of the Credit Department of the head office to come down and make a judgment. The task of the two of you is to investigate objectively and neutrally what the situation of the two units is, and not to have any preconceived views first, but to say yes if you can't and say no if you can't according to the situation of the investigation. The direction of the investigation, I think it starts from two aspects, the borrower's situation is clear about its equity in the Zhenxing Building, I just think it is OK, and the guarantor should take a serious look at whether it is qualified to guarantee. I would like to remind you that you have to be serious, and don't think that I will still go, and you think it doesn't matter. On the contrary, I rely on your views and take the comrades of the head office directly on a trip, and the quality of the investigation will affect the image of the credit department of the Hubei branch. What do you think?"

Shu Guangrong and Li Chaoyang said: "Don't worry, I won't embarrass you." ”

Summer said, "So, you two take these materials and take a look at them first." ”

"Good. Li Chaoyang took the materials given by the summer in his hand and prepared to leave.

At this time, Shu Guangrong plucked up his courage and said, "Manager Xia, there is one more thing you want to help with." ”

Summer asked, "What's the matter?" you say. ”

Shu Guangrong said: "I mean, you and our colleagues have a game, as a friend, you should also come forward to help Xiao Zhang." ……”

"What's wrong with Xiao Zhang?" Xia asked, interrupting Shu Guangrong's words.

Shu Guangrong replied: "Xiao Zhang has been in a bad mood recently, sometimes he gets drunk when he drinks with us, and he uses wine to vent his unhappiness, and he almost has an accident several times. You see, yesterday, we didn't drink much together, and he had two fights. If it weren't for our experience, he would have been beaten to death. So, you should help him. ”

"Yes. You'd better be more detailed. Summer said.

Then, Li Chaoyang introduced the general situation of yesterday's quarrel.

After listening to it in the summer, he thought: In the eyes of ordinary people, Shu Guangrong is also a corner who often causes trouble in society, which makes even Shu Guangrong unaccustomed to it, or is more worried that something will happen, it may really come to the point where something will happen, and you should talk to Zhang Bo as soon as possible, so as not to lead to an uncontrollable situation.

In the planning and credit conference room of the head office, a special meeting on credit review is to be held.

When the summer arrived, Yi Muzi, the host of the meeting, was still waiting for the arrival of Vice President Luo Yi, who was in charge of credit work.

At the oval-shaped conference table, Summer chose to sit directly in front of the moderator. This kind of position, firstly, you can clearly see the joys, sorrows and sorrows of the speaker, and secondly, you can easily interact with the leader. Of course, those who can interact with the leaders have relatively high requirements in terms of qualifications, and after more than a year of personnel screening and replacement of the old and the new, the planning and credit department has replaced two-thirds of the old managers and section chiefs, and in the summer it is undeniable to become the oldest section chief, so there is a reason to sit opposite the president and look at the president's eyes, or communicate with him.

After a while, Vice President Luo Yi came to the conference room, and after he sat down, he glanced at the summer opposite, maybe it was because of this glance that he contacted something related to the Hubei branch; After seeing him and Xia look at each other, he immediately turned his head to Yi Muzi's side and asked, "What's the matter with Jin Kaige's company's loan?"

Yi Muzi heard Luo Yi's question, put his mouth close to Luo Yi, and said this in Luo Yi's ear in a voice smaller than Luo Yi. After Luo Yi listened, he didn't speak again.

Next, Yi Muzi presided over the meeting.

……

After the meeting was dismissed, Xia found Luo Yingying, section chief, and discussed: Tomorrow morning, Xia will send a car to the head office to pick him up at the Hubei branch to jointly investigate the loan case of Shenzhen Jinkaige Development Co., Ltd.

Back at the branch, the summer will go to the head office to coordinate with Luo Yingying and report to Wang Xianyao about the spirit of the meeting. Unexpectedly, Wang Xianyao said unhappily: "You have to watch Zhang Bo, I contacted him yesterday, he said that he was in the head office, and he didn't see him until the afternoon, and today I saw him in the sales department of the head office." What are you doing there every day? Talk to him!"

Summer said, "Okay." Then he left the governor's office.

Xia thought to herself: "First, I really should talk to Zhang Bo, this is my responsibility; second, President Wang has been quite angry recently, what is the reason for this? (To be continued.) )