February 14, 1995 is Valentine's Day in the West, and this day also happens to be the fifteenth day of the first month of the lunar calendar. Most of the pen & fun & pavilion www.biquge.info Chinese know that the fifteenth day of the first lunar month is the Lantern Festival, but few people know that it is also the Chinese Valentine's Day. The reason may be related to the fact that Chinese are more traditional and not as romantic as foreigners. Or perhaps China, an ancient civilization, has a long history, and there are too many traditional cultural festivals in the Chinese, so that some young people's new festivals are not ranked as elegant halls of splendid culture for a while.

In any case, it is indeed a rare coincidence that Westerners and Chinese Valentine's Day get together.

On this morning, Xia was listening to Bu must have introduced the implementation of a short-term deposit of 10 million yuan by the Heihe Securities Department. Bu must say: "They have 20 million funds back in three days, which can be considered for us, but they require a monthly interest rate of 18% instead of 18% per year, which is not what we imagined." ……”

Before Bu was finished, suddenly, there was a mess in the corridor from the sales department to the credit department, and then, I saw the loan officer running to the business hall to see what was going on and then came back with a smile.

Xu Donghai asked, "What's going on outside?"

Bu must have run out immediately, and after a while, he came back with a smile on his face and said, "It turned out to be Valentine's Day, and Lao Shao has set his sights on the young lady of our unit." ”

Summer asked, "He has his eye on the young lady of our unit, what are you happy about?"

Bu must have said: "You can go out and have a look!"

Summer got up and wanted to go out to see what was going on, but he bumped into the embarrassed Shao Min at the door. Summer asked, "Mr. Shao, why are you in such a hurry?"

Shao Min slipped into the office with a flushed face and didn't say anything, sitting on the sofa awkwardly, panting vigorously.

Bu must jokingly said to Shao Min: "Mr. Shao, the lion roars in Hedong, right? I told you a long time ago, don't step on the wildflowers on the roadside, you don't listen, are your ears still there?"

Shao Min gasped and said, "Yellow-faced woman, it's unreasonable!"

At this time, Shao Min's wife walked to the aisle, as if she had something to say, but saw that Shao Min was already sitting in an office, and there were three managers next to him who had never met, and they didn't know what level of officials they were, so they didn't dare to come in rashly. At this time, Shao Min finally regained his dignity as a man, and said to his wife solemnly: "I am talking to the manager about work, and I will talk about something when I go home." ”

Although his wife is unwilling and unwilling in her heart, she can't wait to beat her husband to relieve her hatred. But seeing these three people who didn't know, they still retreated and left Hubei Financial Services Agency.

Seeing the back of his wife's departure, Shao Min showed his former vitality again, and said: "According to my temper, I really divorced her." ”

Summer asked curiously, "What did you do to get your wife to run behind your ass?"

Shao Min said: "What's there, a bouquet of flowers! Aren't there two Valentine's Day gathered together today? I said that Zhou Tianhong helped me a lot, to be honest, I also like this chick a little, so I bought a bouquet of flowers and wished her a happy Valentine's Day." As soon as I handed the flowers to Xiao Zhou, she was jealous in the business hall. It's a real vinegar jar, it's a shame!"

The three credit managers listened, and they were not persuaded, laughed, or comforted, and they were really at a loss.

The board of directors of Hubei Financial Services met for two afternoons. On the afternoon of the first day, there were two agendas: one was for Zhuang Yu to report on the business work of the year, which was naturally difficult for Zhuang Yu. Second, Yang or Ran and Zhuang Yu introduced the assessment in the financial service cooperative. After Yang Xran's introduction, he talked about a lot of so-called employee views that he talked to, which according to his words, were "living materials". Focus on Zhuang Yu, Qin Xianhong, Chen Shiqing, and Xia. Later, Zhuang Yu did not show weakness, and highlighted these people according to the secret ballot, which formed a difference between the opinions of the masses and the chairman. Take summer as an example, he has already made loans to four shareholders, has not eaten a single meal from shareholders, and everyone he knows thinks he is cultivated and capable. Therefore, other shareholders did not understand why Chairman Yang had such a big opinion about him, and the directors also felt very strange when they saw the contradiction between the management team and Yang Oran. They are also not one-sided, believing that Zhuang Yu's problems identified by the People's Bank of China should be taken seriously, but the key is to help him solve the problem.

"Saying that these four people can't do it, even if Chen homework does it alone, Yang may do it? Jiang He, who had touched the bottom of the Hubei Financial Services Society, said in his heart.

After the first day of the meeting, Zhuang Yu and Qin Xianhong had already seen that the fate of the two of them was tightly tied together. So, they visited several shareholders that night to get their understanding. In this way, it will be difficult for Yang or Ran and Chen's calculations to start.

At the afternoon meeting of the second day, each director expressed his formal opinion, first, whether the team should be adjusted, second, who should be dealt with in management, and third, which aspects of management should be strengthened.

After the meeting, it was basically about strengthening management, such as: the management of the official seal, the credit certificate issued without the knowledge of the CEO, the party who has verified it must be dealt with; the loan risk should be noted; the shareholders should take the lead and not ask the financial service society for a large amount of money; the board of directors should not be too deeply involved in the operation and too detailed in management; and so on. It seems that if this meeting continues again, it will talk about Chairman Yang.

Yang Oran really couldn't laugh or cry when he heard it, and he felt a little old-fashioned and miscalculated. He thought, these people from peasant backgrounds are just not easy to grasp, and they said well before the meeting, but they changed their hexagrams in a blink of an eye. No wonder someone said, "I'd rather lead an army than manage a three-crowned gasa (peasantry)." "This time it's a lesson.

In the end, Yang ended the meeting with great reluctance.

As soon as I got to work in the summer, I collected the loan contracts handled in the past few days in a folder, wrote a list of deposits for supporting loans, and after Zhuang Yu arrived at the office after breakfast, he reported and signed them one by one.

At nine o'clock, Summer came to Zhuang Yu's office, and Zhuang Yu was very happy to talk to Xia. Summer explained his intentions, and Zhuang Yu listened very carefully.

"Today is mainly a few last year-end legacy loans to finish it as soon as possible," Summer said. The deposit packages are all in place, and those deposit packages and loans are written in detail on this table. The main loans are: Shao Hua's Taishan Industry and Trade Company, which finally determined a three-month loan of 5.4 million yuan, and a deposit package of 10 million yuan from the Heihe Securities Department organized by Bu Ming, with a deposit-to-loan ratio of 54 percent; Huang Zhonghui's Huanglong Hotel was the last to turn into a mortgage, and he was looking for Shenzhen Jintai Industrial Co., Ltd., and the legal representative was Huang Xianxin, who worked in Dayin Building on Guiyuan Road, and introduced a one-year deposit of 8 million yuan, with a loan of 5.4 million yuan and a deposit-to-loan ratio of 67 percent; Chen Shanwei's Shenzhen 38 Co., Ltd. was also sub-mortgaged and guaranteed, and Yang Wuchang, deputy general manager of their company, found Shenzhen Baogang Industrial Co., Ltd., where his cousin Yang Nanchang was the legal representative, to work on Jiefang Road. The loan is 5.4 million yuan, and the deposit is 8 million yuan from themselves, and the deposit-to-loan ratio is also 67%. ”

Zhuang Yu read the deposit package in detail, and then signed the loan approval form one by one and signed the contract. After finishing it, Zhuang Yu said to Xia Xia in a rare good mood: "Don't be in a hurry to leave, let's talk for a while." ”

Then, Zhuang Yu said: "Yesterday and the day before yesterday, the board of directors held two afternoons, which can be said to be very tense. Now that it's over, it's a little more relaxed. Overall, the results were better than we had estimated. The other day, I lost my temper when I was in a nervous mood, and I really want to apologize to you, I hope you don't care. ”

"No, it's natural for everyone to have different opinions when they work together," Summer said. The key is that everyone should look at the problem from the perspective of what is conducive to the work. ”

Zhuang Yu said: "That's right! Chairman Yang came to the financial service agency a few years ago to talk to people, and the public opinion evaluation was all with the purpose of rectifying people, and he singled out what was bad for us, and it was not for the purpose of doing a good job at all. At this meeting, he was singing a one-man show. His opinions are focused on me, Mr. Qin, Manager Chen and the four of you. What does this mean? To put it bluntly, none of these people who work in financial services agencies can do it. In the end, the shareholders didn't listen to him and hoped that we would work hard to do a good job. He has no market. ”

It can be seen in the summer that Zhuang Yu is very excited. Of course, Xia was also very happy, and he said to Zhuang Yu: "I am like this, the more trust the leader, the more cautious I become, and I feel that I must be worthy of the trust of the leader." If the board of directors supports the management team as much as it does now, then we must take the initiative to see our own problems and work hard to solve them. In this way, are you afraid that some people with ulterior motives will make small moves?"

Zhuang Yu continued: "So, first of all, we have to be united, we have to unite as one. I tell you from the bottom of my heart, I trust you, and you must continue to work hard. ”

Summer said, "I'll try to do it well." Mr. Zhuang seems to have gained some experience from this board meeting?"

Zhuang Yu smiled and said, "How can you tell?" After finishing speaking, he saw that Xia only smiled and didn't say anything, so he continued: "In the past, I could say to Chairman Yang that I was obedient and asked for money, but you look at that little shovel island stone, saying that it was the Hong Kong airport that wanted his stone, and the ghost believed him. He used this thing to blackmail me, do you remember the time we went to see him at the Sunshine Hotel? He used this to talk about things, and I couldn't stand it, so I gave him 3 million. ”

Xia also felt that Yang was hateful, and said: "Actually, we can ask the industrial and commercial department whether he is a civil servant, a retired cadre, or a head of an association elected entirely by individual or private enterprises." If it is a state civil servant, he cannot be so presumptuous, and we can report his problems to the Municipal Commission for Discipline Inspection and the Supervision Bureau. ”

"Didn't I just compare myself with him this time? He used the mouths of employees to talk about things at the meeting, and later, I showed the public opinion poll to the shareholders. Seriously, this time General Manager Jianghe and Secretary Cai Jinhui also stood up to support me. I'm really excited. ”

Zhuang Yu said as he spoke, his eyes were a little red.

Xia thought: "The ancients said that men don't flick when they have tears, just because they haven't reached the sad place." Looking at our Zhuang Zong, I want to cry when I talk about it, and I really feel a little happy to turn over and liberate because of my emotion. ”

In the summer, he was very disgusted by the open and secret fighting of mainland officialdom, thinking that Shenzhen was a fertile ground for relying on ability to break into the world. This year, after watching Yang Oran's actions and Zhuang Yu's forbearance, his views began to complicate.

The two chatted for a while, and Wang Hua knocked on the door and came in and said, "Manager Xia, the credit department called and said that someone was looking for you." ”

Summer said to Zhuang Yu: "Then I'll go down first." ”

Zhuang Yu was still unsatisfied: "Let's go down first!"

When I returned to the credit office in the summer, I saw Chen Shanwei, Yang Wuchang, Li Wenfeng and a black-faced man from Shenzhen 38 Co., Ltd. sitting on the sofa. When they saw the arrival of summer, they all stood up politely.

Summer said, "Please be seated." ”

Yang Wuchang said: "Manager Xia, this is my cousin Yang Nanchang, the legal representative of Shenzhen Baogang Industrial Company, and we are here today to deal with the loan. ”

Chen Shanwei said: "We don't need you to say that our deposit has already been in place." You see, we find a borrower, and we have to pay his utility bills before we are willing to transfer the loan. With that, he took out a check and showed it to Summer. Xia glanced at it, and the check was transferred to the settlement account just opened by Baogang Company, with a check amount of more than 180,000 yuan.

Xia turned to Yang Nanchang and asked, "Is Baogang Company willing to take out a loan here?"

Yang Nanchang said: "Yes, this is what my cousin introduced. ”

Summer asked again: "Have you considered the rights and wrongs of the future?"

Yang Nanchang said: "Dealing with 38 Co., Ltd., I'm afraid of what is wrong!"

So, in the summer, he called Ou Zhongzhong to handle the loan procedures of Shenzhen Baogang Industrial Co., Ltd.

Half an hour later, the business department of Hubei Financial Services Co., Ltd. had just transferred a loan of 5.4 million yuan to the account, and Yang Nanchang couldn't wait to immediately transfer more than 180,000 yuan to pay for the expenses.

This move against Yang Nanchang is enough to show that the Shenzhen 38 Co., Ltd. and Yang Nanchang's Shenzhen Baogang Industrial Co., Ltd. borrowed accounts to handle loans entirely because of the interest exchange relationship that already existed between them. However, if the loan were to be brought to court in the future, Yang Nanchang, a man who had sworn a good word, might pretend to be more wronged than Dou E, and come to the door angrily, shouting that he had been deceived by Chen Shanwei of Shenzhen 38 Co., Ltd. and the loan officers of Hubei Financial Services Co., Ltd., and thus fell into a trap.

Will Yang Nanchang, a black-faced man with five big faces and three thick faces, bite back in the future and become a member of the Lai Tent family?

In the afternoon, Xia took Ou Zhongzhong to the Shenzhen Securities Registration Company to handle the registration of a loan of 2 million yuan for the mortgage of 1 million corporate shares of listed companies held by Taishan Industry and Trade Company. I just returned to Hubei Financial Services Agency, and I was looking for a call from Summer: "Manager Xia?"

Summer said, "I'm summer, what's the matter?"

The other party said: "I am the legal counsel of Shiyan Trading Company, my name is Shen Gongbao. Let me tell you, the mortgage registration of the loan of Shenzhen Ningfeng Industrial Development Co., Ltd. handled by your financial service agency has not been completed, and I will come to you tomorrow to get back the real estate certificate. ”

Xia said, "Didn't you go to register with Ningfeng Company at the beginning?"

The other party said: "Let me put it bluntly, our company and Ningfeng Company are entrusted with the loan, and he has completed the loan to us according to the agreed amount, and this mortgage registration is naturally possible, but they do not give us the full amount after completing it, so this registration is fake." ”

"Is there such a thing?" asked Summer curiously.

The other party said, "Well, tomorrow I will come to you, and after telling you, you will understand." ”

Summer said, "See you tomorrow then." ”

Xia put down the phone and said in his heart: "Bitter!" and called Zhong Ningfeng to understand the situation.

There is a poem as proof:

The Year of the Dog is prosperous and the Year of the Pig is declining, and the tongue comes one after another;

The officialdom has just let go, and the business lawsuit is in the ring.