It is said that Li Chaoyang once talked about Zhong Ningfeng of Shenzhen Ningfeng Industrial Development Co., Ltd. It seems that he is on the "People's Daily" because of his poverty alleviation work, and he wants to come to the Hubei branch to discuss the reduction of interest, and maybe he also wants to make a mess about changing the form of loans, but he is afraid of seeing summer. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 Info Summer was also puzzled at the time, how could a corporate legal person who had been praised by the Central Party newspaper be afraid to meet a credit chief who had supported it?

Therefore, Li Chaoyang was asked to find out the authenticity of the "People's Daily". And Li Chaoyang is a person who is good at drilling, and he didn't take the time to check the newspapers, but saw that he left the branch to study in the summer, and quickly got in touch with Zhong Ningfeng, so that this thin-skinned so-called entrepreneur came to the Hubei branch, and encouraged his clever tongue in front of Wang Xianyao, which really deceived Wang Xianyao half to death.

On this morning, Li Chaoyang took Zhong Ningfeng and an old man in his sixties to the president's office. Entering the door, Li Chaoyang said, "President Wang, Mr. Zhong, they are here." ”

Wang Xianyao raised his head, glanced at the young man standing in front of him, and said calmly, "Please be seated." ”

At this time, Li Chaoyang pointed to Zhong Ningfeng and introduced to Wang Xianyao: "This is the young and promising Mr. Zhong. Mr. Zhong took a step forward, stretched out his right hand and shook it with Wang Xianyao's right hand, and said, "Hello, President Wang." Please allow me to introduce that this is the vice president of my company, who turned out to be Luo San, the director of the Second Office of the Government. ”

Luo San immediately greeted Wang Xianyao: "Hello, President Wang." I am from Cantonese and I am an old friend of Dean Luo. ”

As soon as Wang Xianyao heard him mention President Luo of the Intermediate Court, he immediately became cordial, and after giving up his seat for a while, Luo San said: "I retired last year. After retirement, there was nothing to do, and Mr. Zhong asked me to give full play to his spare heat through a friend relationship, and helped him staff and the operation of the staff company, so he went to sea. ”

Zhong Ningfeng said: "President Wang, that's the case, my company borrowed 5.4 million yuan from you, and I should have come to discuss a solution a long time ago. I'm here today to discuss, how can I cooperate with you to do it well. ”

Wang Xianyao asked, "What about Mr. Zhong's opinion?"

Zhong Ningfeng said: "When our company first made loans, it was miserably harmed by Shao Min, taking away more than one million interest rate differentials, and driving away my car, and the capital cost was very large. ……”

Zhong Ningfeng spoke like a machine gun, and before he finished speaking, Wang Xianyao asked, "Who did you say just now?"

Zhong Ningfeng said: "Shao Min." ”

Wang Xianyao repeated: "Shao Min? Not Shao Hua? Who is Shao Min?"

Zhong Ningfeng explained: "He is the former vice president of our company and has dealings with Hubei Financial Services Society. I called the court to collect the debt, but instead of getting the money back, the judge got back two tapes. After speaking, he took two tapes from his briefcase and brought Wang Xianyao. Wang Xianyao looked at the tape and asked, "What is it talking about?"

Zhong Ningfeng said: "It's all about doing some things before and after the loan. Manager Xia has heard it. ”

Wang Xianyao asked, "When has Manager Xia heard of it?"

Zhong Ningfeng said: "Let me see, it should be in the summer and autumn of '95, when he and Miss Wang went to our company to check the loan, I heard it. ”

Wang Xianyao seemed to say to himself: "Why didn't I listen to him?"

Zhong Ningfeng said again: "President Wang, although I suffered a big loss when I made a loan, I am still willing to cooperate with the bank to improve this matter, you see, I am in Guangxi poverty alleviation, "People's Daily" praised our company for doing a good job, I still have to do it as soon as possible, I want the bank to give me as much as possible to reduce the interest." If the bank agrees, I will go through the procedures of borrowing the new one and repaying the old one, and clear the remaining interest. ”

Wang Xianyao said: "Mr. Zhong is still very simple, but our bank has to ask the head office for interest reduction, and we will reply to you then, but I support this intention." After speaking, the two sides talked about some other things, and Zhong Ningfeng, the old and the young, shook hands with Wang Xianyao and said goodbye.

Before leaving, Wang Xianyao reminded Zhong Ningfeng to take away the tape on the table, but Zhong Ningfeng said: "No, it is harmful for this thing to be left in my hands, and I was also helped by the judge to get it back for me." You see if it works. ”

Wang Xianyao was noncommittal and sent them out of the governor's office.

When Wang Xianyao got off work, he took the two boxes of tapes home, and listened patiently to them, and heard the sound of Tan Feiyan and Shao Min bargaining for the difference in the tape. However, I didn't hear anything about sensitive issues when I was doing loans in the summer.

After listening to the tape, Wang Xianyao secretly said in his heart: "The relationship between Xia and Tan Feiyan is not very compatible, Xia listened to this tape that is not conducive to Tan Feiyan two years ago, you can tell me, why didn't he squeak?"

On the first day of the meeting, Huang Lu, president of the head office, personally made a mobilization report, asking the backbone credit personnel of the whole bank to brainstorm, first of all, to learn from the experience of others and learn how to handle the mortgage loan business; then to discuss the tricks of highlighting the encirclement and optimizing the loan structure around the actual situation of the people's bank; and then to go back to work steadily and steadily and open up a new situation in work.

In the evening, it was planned to divide into three large groups for discussion. In the large group chaired by the summer, the participants were not very active in speaking. Among them, the people from the head office are also scattered in various large groups, and they don't seem to have any insight, and they are left to the flow of the meeting.

Xia thought that if all the departments of the head office were controlled by this kind of person, and there were officials in charge, they would be the first to get a month; if they wanted to engage in business innovation and theoretical innovation, they would not even be able to let out a fart. So, can this citizen bank become a first-class bank? Isn't this what Anonymous's Yuan Song sings:

The right not to read,

Illiterate and rich,

I don't know what happened, but some people praised:

God is only biased.

Summer said: "Based on the experience of the banking industry in Hong Kong, we have inspired our bank to do mortgage loan business, and we believe that this kind of business is less risky for the bank, and after the loan is disbursed, it can recover some of it as planned every month." However, when I look at the risk of mortgage loans, fundamentally speaking, the key is to see how much the positioning and value of the real estate price of the building and real estate deviate from, which is the key to whether the loan is risky. It is not that the mortgage business itself is less risky than other types of loans. Now, the Asian financial crisis has just passed, and the current situation in Hong Kong also illustrates this problem. Since the real estate prices in Hong Kong were so high before the financial crisis, after the financial turmoil, many homeowners, mortgagers, and property speculators have turned into negative equity classes. If a person with negative equity jumps off the building, and the bank collects his mortgaged property to auction it off to cash in and repay the loan, the risk is still borne by the bank. Therefore, I have no objection to starting a mortgage business. However, in addition to social factors, the key to the risk of mortgage loans is the bank's assessment of the trend of mortgage real estate prices. I think this is something to be very aware of. ”

……

The next night, Hao Jianguang, the main core figure of the credit department of the head office, met Xia Xia on the first floor of Guanhai Building, and took the initiative to pull Xia to a reception room on the second floor to chat about business. Summer is also a temperamental, and she reciprocated with him a little bit to exchange credit experience and ask him to support his work in the future.

It is said that Wang Yang and Yuan Ai, who was originally transferred out of the Hubei Branch, lived in the same room. When Yuan Aiping was in the Hubei branch, no one saw her ability. This time it is no longer the same unit, Yuan Aiping is willing to show her true temperament to Wang Yang: every night, she gives orders to her husband in Shenzhen, asking him: "As a man, you have to go to the street to drink alcohol! Don't have cats at home." ”

At night, when Yuan Aiping and Wang Yang were lying on the bed and preparing to sleep, they had nothing to say, and she taught Wang Yang: "Men must not stay at home." Do you think, can a man lay eggs when he stays at home, can he hatch chicks? So, my request to my husband is very simple: I am not afraid that he is lazy, I am not afraid that he is poor, I am afraid that he will stay at home. My mantra is: It's a man, you have to go out into the street when you drink!"

This Yuan Aiping is like this, every night when he is sleeping, he gives Wang Yang a husband lesson, and after a few nights, he teaches Wang Yang to itch in his heart: I can't wait to go home immediately, draw a gourd like this, beat my husband's buttocks, and drive him to the street to drink his wine, and meet strangers.

At the end of the training course, everyone sat in the van driven by Ren Erwei and prepared to go back. At this time, Wang Yang said excitedly: "The biggest gain I gained from this study is not that I have learned about mortgage loans. Instead, I learned the truth of being a man from Xiao Yuan, and learned the experience of educating my husband from her. When Xiao Yuan worked with us at the beginning, he was not visible or dewy, but now he has left us and is willing to communicate with us. I heard that she still has something to do with the head office leader!"

At this time, Xu Donghai said: "Of course, if you didn't scold President Chen to your face when you were in the industry, wouldn't you dare to be so presumptuous?"

Xia thought to herself that the relationship between my superiors and subordinates with Yuan Aiping was still polite, and she once saw that my office was not closed and took the initiative to close the door. Although this matter is small, a little water can see the sun, and you can see what she thought in her heart at the beginning.

The five of them left the Big Puddle Fiscal Guest House. (To be continued.) )