The next morning, Hubei Sub-branch held a meeting of department managers and above in Wang Xianyao's office. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Wang Xianyao said straight to the point: "I have a short meeting today, one is to announce the adjustment of the sub-branch, and the other is to emphasize the current work. ”

"Now to the first question. The organization of the sub-branch is divided into one room, one department and three sections: office, sales department, planning and credit department, savings department, and security department. The agencies are all at the same level. The relatively big changes in the organization are: After the three departments were merged into one department, the planning section has now been merged into the credit department, renamed the planning and credit section, with the summer in charge and Xu Donghai assisting and focusing on the plan; Xu Aiqun is in charge of the office and Qin Xianhong is assisting; in the office, the security department is divided into a security department, which is in charge of Bu Ding; the sales department is in charge of Tan Feiyan and assisted by Wu Dongmei; and in the business department, the savings department is in charge, and Shen Yaqiong is in charge. ”

Wang Xianyao announced the completion of the event, looked at everyone's reactions, and continued: "You can see that I came down from the head office, and I didn't bring anyone here, and Director Xu Aiqun was sent by the head office, not me. It shows that I trust you very much, and the key issue now is that everyone should treat the branch as their own home, twist into a rope, unite as one, and do things well. As for the issue of formal appointment, the head office requires that the premise must be to hand over the file to the head office, which everyone must handle by themselves. ”

"Let's talk about the business. Wang Xianyao continued: "According to the notice of the head office, in the ranking of labor competition in the system, our bank and the trade union branch are tied for seventh place. After I came to Hubei Branch, my general feeling was that the pressure was relatively high and the credit work was more difficult. Although everyone is working hard, there is an imbalance in the development of some work, and the potential of middle-level comrades has not yet been tapped. We must scientifically and constructively arrange the next step of work. It is necessary to intensify efforts to organize the systematic work of credit, and in this regard, we should not look at the difficulty, but also look at the results.

From now on, we need to be prepared for how to get through this. I would like to emphasize a few points:

1. Strengthen the work of credit planning. At present, there are still problems in the operation method of clearing. This month, I have to find several businesses to go to court. At the same time, we will intensify efforts to attract deposits, and if they do not repay loans, they will assist in making up deposits. Lao Xia, the plan for the old loan to supplement the deposit you mentioned should also be introduced as soon as possible, and let the loan officer contact him to see how much he can get back. In addition, in the area of planning, there should also be a plan and measures for funding.

2. The management of loans, pre-loan review and post-loan inspection should be strengthened.

If the enterprise finds any problems in its operation, we can adjust our strategy in time if necessary. It can't be like in the past, after the loan is released, there is nothing left, and it doesn't matter if you don't pay it back. It's dangerous.

3. The sales department should pay close attention to the quality of service, and the savings publicity should also use its brains, and it is necessary to engage in some brochures. There were three complaints last month, and the sales department had to draw inferences from one case to improve service quality.

4. The audit office of the head office should make a special audit of the loan, and the planning and credit department should cooperate well. ”

The meeting ended with everyone's doubts.

In the summer office, Chen Xinquan, general manager of the city's environmental protection electromechanical franchise company, and Zhao Siwei, president of the architectural design institute, were negotiating about the transfer of his 3 million yuan fixed deposit for half a year.

Dean Zhao originally did not agree to transfer the deposit, but he still needed this deposit in the summer, and Chen Xinquan, the borrower of the Municipal Environmental Protection Electromechanical Franchise Company, was introduced to him by Yao Zhongping. If this deposit is gone, he will have to spend more money to bring in other deposits to cover the position. Therefore, Chen Xinquan asked Xia to participate in the work for Dean Zhao, and gave him a little pressure on sensitive issues. Under normal circumstances, the summer is reluctant to do this, because voluntary deposits and free withdrawals are the bank's principles, but it is difficult to alleviate the financial pressure, and it can be regarded as helping each other.

Dean Zhao is about 50 years old and looks a little rich. After going upstairs to Summer's office, he was already sweating profusely, and Summer was very enthusiastic to let Dean Zhao sit down, and then took out toilet paper to wipe his sweat. Then, Chen Xinquan and Dean Zhao were each given a bottle of mineral water.

This Dean Zhao is a man of temperament, and it is rare to see that in the summer as a credit manager, he is so enthusiastic about customers. didn't wait for Xia to speak, he said first: "Manager Xia, I don't look at anything else, I just see your sincerity, I won't say anything, my 3 million deposit, according to the original interest rate level, for another half a year." However, let me make it clear that after half a year, no matter if Mr. Chen's loan has not been repaid, my deposit must go. Is that okay?"

Xia said with a smile: "Dean Zhao has both the cultivation of intellectuals and the boldness of northerners, and he is really a figure who does business. Just do as you say. ”

Chen Xinquan couldn't have imagined that Dean Zhao would be here in the summer, and things would go so smoothly. But he was still a little uneasy and said: "Otherwise, let's sign an agreement in front of Manager Xia, and you can tell the finance department when you go back?"

Dean Zhao said, "Okay. ”

So, Xia took out two financing agreements, helped them fill in the amount, interest rate, and deposit term, and signed and stamped them by both parties. In this way, the half-year deposit of 3 million is considered stable.

When Dean Zhao left, Xia personally sent him downstairs from the third floor, let him get into the car, and watched him leave the Hubei branch.

I don't know what the reason is, but Shao Hua, the legal representative of Guizhou Merchants (Shenzhen) Co., Ltd., hurried to the Hubei branch of the People's Bank of China on 30 September and went directly to Chen Jiao's office.

After Chen Jiaojiao called Wang Xianyao, Wang Xianyao immediately came to Chen Jiayao's office, and after listening to Shao Hua's explanation, he thought it was necessary to ask Xia to participate. So, I asked Chen Homework to call Summer, and Summer hurriedly came to Chen's office.

When Shao Hua saw Xia, he stood up and said, "Hello! Manager Xia." He stretched out his right hand and shook it with Summer. After the two sat down, Shao Hua said, "I came today to coordinate the repayment." I'm sorry, it's been delayed for so long, and it has affected you, Manager Xia. ”

Xia said: "This loan is money in the bank, and it should be inconvenient for both parties." ”

"Yes, yes!" Shao Hua said: "I didn't make it clear when I made the loan, Guizhou Merchants Company was contracted by me, and it will expire this year." At that time, when you were making a loan, didn't you ask me why the real estate certificate had to be flown in from Guizhou? ”

Summer said, "You didn't say that at the time. ”

"I'm so sorry. Shao Hua said, "In order to show my sincerity, in October, I made a settlement of 10 million yuan in the name of Taishan Industry and Trade Company, and tried to stay for 10 to 30 days, as my small help to the bank's funds." Before October 21, the loan of Taishan Industry and Trade Company was repaid 2 million yuan, and the interest was 150,000 yuan. ”

When Wang Xianyao heard Shao Hua say this, he felt very useful in his heart, and felt that Shao Hua was still a man, but he still didn't speak.

Chen Jiao asked: "After your contract with Guizhou China Merchants Company expires, how will you deal with your claims and debts?"

Shao Hua said: "In terms of contract payment, it is my problem with them. It's actually quite simple, they gave me the office and I gave him the rent. If some of them come to Shenzhen, I will receive them, and that's what happened. As for this loan, 8 million yuan is collateralized by their real estate, Guizhou side bears 4 million principal and 1 million interest, and the rest is borne by Shenzhen Taishan Industry and Trade Company. ”

Xia said: "At that time, the loan of 8 million yuan was 5.4 million yuan from Guizhou China Merchants (Shenzhen) Company, and the other 2.6 million yuan was issued by Taishan Industry and Trade Company by way of transferring mortgage rights. According to what you just said, 1.4 million yuan of the 5.4 million yuan in Guizhou China Merchants (Shenzhen) Company is to be repaid by you, right?"

Shao Hua said: "It should be like this. My idea is: After I repay the 2 million yuan I just mentioned, I will take the part of the Guizhou Merchants (Shenzhen) Company and the other loans on the account of Taishan Company in what form to make it new, so that you can also make a difference. The rest should be repaid by Guizhou, and their real estate is still mortgaged, so you should notify them to repay it. ”

After Shao Hua finished speaking, he handed over his recent contract for operating grain and oil shares to Wang Xianyao and Chen Jiaojiao, which showed that his speech was true. Then, he said: "President Wang, when you mess up like this, some of them may have to make a guaranteed loan, and when the time comes, you will have to ask the two presidents and Manager Xia to take care of it." ”

Wang Xianyao said: "Yes. As long as everyone supports each other, I think mortgages and guarantees can be considered. ”

In the afternoon, Xia felt that Bu must go downstairs to work, and it would be good for everyone to meet. came to Xu Donghai's office, explained his intentions, and called him to Bu Ming's office, Xu Donghai closed the door smoothly. The three former credit managers of Hubei Financial Services Co., Ltd. chatted.

It can be seen that Bu must not be in a good mood, and someone told Xia that he had cleaned up the documents and files in the office two days ago, indicating that he knew a little bit of information in advance.

When the three of them were chatting happily, Summer said: "The three of us are both credit managers, and we have worked in the same office for a year, and there is no very big contradiction......

Before Xia finished speaking, Bu must have teased Xia and said, "Don't dare to be, Lao Xia, we are all your students in this regard." Old Xu, are you right?"

Xu Donghai smiled and didn't squeak, and Xia said, "You listen to me." Among the three, I am more likely to offend people if I have a big temper. A man like Lao Xu, who seems to be shy and beautiful, is the most popular with today's girls, no: he has a yellow face and thin muscles all day long, and he is so slim. ”

Xu Donghai spoke: "Lao Xia, why did you rinse me again?"

Summer smiled and said, "Isn't it? But overall, we're still our own people." Now Lao Bu is leaving the planned credit job, and many of our old loans have also expired, and according to President Wang, there is going to be a lawsuit. But the loans issued by the financial services agency are so mysterious that I don't have a bottom in my heart, including what I did. I don't know how you feel? So, in my opinion, the loan is signed by one of the three of us, and we will have to communicate with each other and make up for each other in the future. For example, if I make a loan, Lao Xu goes to court, and Lao Xu makes a loan, I go to court to avoid unexpected situations in court. What do you think?"

After listening to Xia's speech, Bu must have a solemn face, and said seriously: "What Lao Xia said about mutual ventilation is right. We do this kind of service cooperative's loans, because the general climate is like this, and the deposit and loan linkage is not created by us. Lao Xu, are you right?"

Xu Donghai said: "Lao Xia is out of kindness, I think it is appropriate to communicate with each other and protect each other." On the other hand, it is also to protect the interests of the bank, if the customer shakes out the high interest rate in court, if the party is present, it is not true, and if it is not, it will be blind! ”

At this time, Liu Aihua knocked on the door of the office and said, "Manager Xia, a representative of the superior company of Guizhou Merchants is coming to you." ”

"Okay, I'll do it. Summer answered, talked to the two for a while, and returned to his office.

When the guests saw Xia coming in, they stood up politely and saluted with Xia, and Liu Aihua introduced to the visitor: "This is our Xia manager." ”

Then, she pointed to the visitor and told Summer, "This is Mr. Liu." ”

Mr. Liu accosted: "Manager Xia, I am from the Guizhou office in Shenzhen. Now, the comrades of Guizhou Merchants Company have entrusted me to coordinate with you and the president on the repayment issue of Guizhou Merchants (Shenzhen) Company. ”

Summer said, "The governor has gone out this afternoon, you can talk to me first and see what you have to ask for." ”

"That's right," Mr. Liu continued, "that Shao Hua has terminated the contract with Guizhou China Merchants (Shenzhen) Development Co., Ltd." ”

Xia interrupted Mr. Liu's words: "On the business license of the enterprise legal person, Shao Hua is the legal representative of the righteous and innocent, and you have not gone to the industrial and commercial bureau to record that Shao Hua is a contractor, and even now there is no indication that he is a contractor; when you made a loan, you Guizhou sent someone to do it, and you did not say that he was a contractor!"

Mr. Liu said, "Yes, that Miss Wang who has been here has been locked up because of this matter." ”

"Just because of this loan?" asked Summer.

"Yes. There is also because the CEO left the audit and found the company's contracting problems. Mr. Liu said: "In terms of loans, she and Lao were always deceived by Shao Hua. What do you say borrowed a loan to operate bearing steel, and the sale of steel is a package to make money, and the money is repaid. ”

Summer said: "There is no return." He came here a few days ago and said that Guizhou would bear 4 million yuan in principal and 1 million yuan in interest. Is that so?"

Mr. Liu said: "I don't know the exact amount. It's just that the Guizhou side asked for an extension, and it will be postponed for a while, and then it will be returned after they have handled the matter well. As for the need to make a deposit or something, we all agree on it. ”

Summer said: "I can report your opinion to the president, but if you want to extend the period, you have to go through the formalities, and you have to come to someone." ”

"I will also convey your opinion to them. I'll give them a call in the evening. Mr. Liu said.