In the summer, he handed over the proposed interest rate reduction document signed by Wang Xianyao to Han Xiaoniu, because considering that the head office might hold a joint meeting of departments to study and finalize the plan, Han Xiaoniu was asked to print it and send it directly to the confidential room of the head office. Pen ~ fun ~ pavilion www.biquge.info

After Han Xiaoniu accepted the task, she quickly printed it. The text says:

Shenzhen Minxing Bank Hubei Branch documents

Shenzhen Yinhu Zi (1998) No. 009

Request for Adjustment of Loan Interest Rates for 28 Enterprises

Head Office:

The balance of the old loans of our bank is 388.87 million yuan, all of which are overdue. Among them, 156.72 million yuan was still used as a misappropriation loan after the People's Bank of China adjusted the interest rate of overdue loans on May 1, 1996, and the monthly interest rate was calculated at 18‰. From the perspective of implementation, the Bank believes that there are the following inappropriateness:

1. Definition of the issue of misappropriation. The vast majority of the above-mentioned loans were loans made during the period of the financial service cooperatives, and among them, 17 of the borrowing enterprises had discussed with the financial service cooperatives to seek loans from other enterprises in order to make the single loan amount not exceed 30% of the registered capital of the financial service cooperatives, and the financial service cooperatives agreed at that time; some of the loans were used for projects under construction, and the application materials were working capital, which was also an act of acquiescence by both parties in order to avoid the occurrence of fixed asset loans.

2. When our bank preliminarily determined that the loan was misappropriated according to the interest rate document of the superior bank, it was at the peak period of the sub-branch's large-scale repayment of loans in accordance with the law, considering that there was an expression of the interest rate issue in the legal documents, and in the notice involving the interest rate, it was noted that "the court judgment shall be executed when the settlement is settled", and now the judgment has basically been completed, and the court only confirmed that it was overdue but did not determine the misappropriation, and some also clarified the interest rate.

3. Judging from the actual implementation, it is very difficult for ordinary enterprises in normal operation to bear the interest burden of 18‰ per month; on the premise of repaying the loan according to law, even if the loan is indeed fully collateralized at that time, it is difficult to repay the principal and interest of the loan with the money from the disposal of the collateral. If the interest rate is still calculated at 18‰, it will be more difficult for the management team of the head office and sub-branch to deal with the problem of old loans in the future, and may have some negative impact on shareholders and society.

Taking into account the above points, our bank reported to the head office for approval of 28 overdue loans of 156.72 million yuan, which were originally calculated at 18‰, to be changed to 12‰.

Yes, please approve.

Appendix: List of 28 corporate loans

SZ Minsbank Hubei Branch (India)

5 March 1998

As soon as I got to work in the morning, Xia took two documents and came to the president's office to discuss the work plan with Wang Xianyao about the mortgage business. The two decided to contact the mortgage business of Changhong Company, Zhaoshida Company, Xinhua Company, and SZ Anding Fufa Company as soon as possible, and report to the head office accordingly.

After discussing this matter, Wang Xianyao said to Xia: "We, the Citizen Bank, have already started the institutional reform at the branch level, and the administrative concept of being a department and a department will no longer exist in the future. Of course, reform is not just a change in name, but the most important thing is a question of people. The head office has an intention, the director of the business department of the branch should be recommended by the head office, and you should be divided into two stalls, one stall may be called the product development department, as the name suggests, it is to do new business. According to the situation of the people in the industry, my initial idea is to ask Xu Donghai to come back and partner with you, and he will be the director or manager of this development department. As for you, I have exchanged views with Governor Chen many times, and I am ready to bring it up as the assistant to the president and the director or manager of credit management. Then, you have to get a deputy in this stall, and you plan to promote Wang Yang as a deputy to help you. Do you agree?"

Xia said: "I agree with mentioning Wang Yang, and Lao Xu can also accept it, after all, we have been working together for so many years, and we know each other better." ”

Wang Xianyao also said: "We have worked together for several years, and you support my work from the heart, I don't need to say this, I know everything." It should be said that you have done a good job of maintaining this overall situation and maintaining the president's **. ”

Summer said: "I think the main thing is that you are of good character, so I had the opportunity to leave and couldn't bear to leave." ”

After listening to Xia quietly, Wang Xianyao continued: "I know your achievements and abilities. Credit is really what you're sustaining. is also under a lot of pressure, like Vice President Feng Laodao and Director Yi have said some things about you, I think it is still necessary to change it if there is one, and encourage it if there is none, and try to pay attention to the coordination relationship in the future. ”

Summer said, "Yes! Thank you for your call." ”

On the one hand, it is the blueprint for the alumni to show up and say, and on the other hand, it is the means of the boss to pull the horse and the temptation to reuse. Don't say it, it's really a bit worrying in the summer. There is a poem as proof:

is to go or stay and think, which is better and which is bad, and the promotion chart;

Full of desolate old loans, full of enthusiasm and hard to pay!(To be continued.) )