The next morning, Summer rushed to the head office of the Citizens Bank early in the morning, and when he arrived at the credit office, he found that the people at the credit office were still eating breakfast in the cafeteria, and Summer sat on the sofa and waited for them to go to work. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 infoAt eight o'clock, Wan Zhongyi from the credit office was the first to come to the office.

Summer got up to say hello to him.

Wan Zhongyi asked: "Come to Director Yi to talk about the matter of 38 Joint Stock Company?"

Summer replied, "Yes." ”

Wan Zhongyi said: "You should fight with him and fight for it! However, recently, the head office has restrictions on the loans of branches like yours, and it is difficult to focus on ensuring the project loans of the business department of the head office. ”

"Thank you for revealing the news. Summer said.

Wan Zhongyi said: "I am also responsible. At that time, you President Chen asked me several times, and I also went to investigate the 38 Joint Stock Company, and I said that I should hurry up, but now it is difficult to ride a tiger. ”

Xia thought: "It seems that Yi Muzi has other difficulties, but his expression is not as smooth as Feng Laodao." ”

After a while, Yi Muzi took a toothpick in his mouth and walked into the office with a little heavy footsteps.

Summer stood up and said to Yi Muzi, "Hello Director Yi!"

Yi Muzi sighed, which was an answer.

Xia said: "Director Yi, I came here today mainly to report on the affairs of 38 Co., Ltd. ”

After Yi Muzi sat down, he said in a weird manner: "I can't understand your loan application materials!"

Xia said: "If Director Yi thinks there is any doubt, I will report to you and explain, we can discuss, and things will always be clear." ……”

Before Summer finished speaking, Yi Muzi interrupted Summer and said, "I'm busy with work, I don't have time, don't discuss!"

The Yi Muzi I saw in the summer was purely an immature official who was inappropriately mentioned in an atmosphere that valued intellectuals, and he showed domineering problems everywhere.

Xia said in his heart: "I just arrived in Shenzhen for three months, and when I was tried out in the organization, when I went to the Economic Development Bureau of the municipal government, I met a director in charge of projects like Yi Muzi, and I scolded him before leaving. It's really a shame to give you face!" So he said, "Okay, if you don't have time, then don't bother!"

In the summer, he drove back to the bank, made a centralized report to Wang Xianyao and Chen Jiao, and told them the news revealed by Wan Zhongyi. Xia said: "This matter may have several meanings: First, the head office may have studied the decision not to make loans for our overdraft, but it is difficult to explain it clearly, and it has put us in it. The second is that I think the credit office always has a little sour feeling, as if we don't know what to do. You see, there are a few things: the last time there was a turmoil over the equity pledge of today's home company; a few days ago, the loan of 800,000 yuan was refused to handle the power of attorney of the legal representative; and the problem of the 38 joint-stock company this time is even more obvious: a few days ago, he said that he would take it to the People's Bank of China for evaluation, and when I held a meeting at the branch yesterday, Yi Muzi also said it very awkwardly. Today is Wan Zhongyi here, you can understand what he said. According to my temper, no matter whether things are done well or not, when I encounter such a person, that is, the director of the city government, I have reprimanded him on the spot. The problem is that we are engaged in loans, and we can't be too strong-willed, and if we don't approve it, we will forget it, so as not to settle accounts after the autumn. ”

Wang Xianyao said: "Now everyone is also running in, and some things are hard to say. I'll find out. ”

Summer said: "Old loans already exist as a historical problem, and anyone can talk about it. I also don't want to take this loan, just because we are short of cash, and the sales department has a loan from their company, and I think it is a good thing for our bank to take care of it. Otherwise, there's no need to pull a person in, you have to pat him on the back!"

The next morning, Wang Xianyao called Xia to the office again and said to him: "Lao Xia, Director Yi made a phone call to me about the problem of 38 Co., Ltd., saying that a difficult China Shipping Company was involved, so his requirements were a little higher. ”

Xia said: "President Wang, my inner thoughts are as follows: First of all, 38 Co., Ltd. is one of the loan customers who came to 'Lalangpai' a few days before our financial service cooperatives faced the closure of business for rectification, and later transferred the mortgage and added security, and the loan increased by 10.8 million, and the guarantee was established, but from the current point of view, the practice of transferring the mortgage right is the issue of the statute of limitations, and the second is the issue of the actual holder and the current nominal owner. It may be a bit of a hassle in the future. Second, don't look at the vigorous projects of 38 Co., Ltd., and think that it has assets. When it comes to really paying off the loan according to the law, we may not be able to touch his side. Therefore, I personally have no bottom in my heart. Third, the two teams of the sub-branch used black and white contracts to mobilize them to pull deposits in. More than 30 million yuan of one-year deposits, to say the least, also need more than 4 million yuan of interest rate differential. Banks and corporations are interdependent and will inevitably be troubled in the future. ……”

Before the summer was finished, Wang Xianyao said impatiently: "I don't think there is any need to offend the credit office because of a loan account, so we will give up the process. But recovery still has to be recovered. ”

Seeing Wang Xianyao's attitude in the summer, if he continued to talk about it, he would mistakenly think that he had something to do with Shenzhen 38 Co., Ltd., so he said: "Okay." ”

Official: Feng Laodao, director of the credit department of the Citizens Bank, is an official who has been in officialdom for a long time, and he usually likes to read some books on power techniques, which has achieved the "officialdom promotion technique" that he has tried and tested many times in his chest. He worked in the preparatory group of the Citizens Bank for three months, and when he met people, he talked about how competent, hard, and meritorious the preparatory staff of the credit department were. As a result, this credit office has become an officialdom training class, and if anyone wants to be a director or something, talk about it, mix him up in the credit department for two or three months, and maybe become a vice president below. There are many officials from the credit office, like spring bamboo shoots, which are as high as old bamboo, and this spring bamboo shoot will in turn help Feng Laodao, who is an old bamboo. So, it was natural to push him to the post of vice president of the head office. And when Yi Muzi was promoted to deputy director, Feng Laodao knew that he was not very qualified, but Feng Laodao thought: "Only if he is on it, can he go to the next level, wow, is it still permissible for people to be a little selfish!" In this way, Yi Muzi who was not qualified was brought up.

However, Yi Muzi does not see it that way. He felt that he was fully capable of taking on this role, and would even do a better job than Feng Laodao. It was precisely because of this kind of non-partisanship that he had this kind of thought, coupled with his inherent narrow-mindedness, lack of sight, and his lack of knowledge that the sky was bigger than the well, that he was depressed and unhappy a few months later, and made up for the lesson of life.

Employees are rising, but the old problems of the Citizens Bank are still getting worse.

A few days later, Liu Aihua, a loan officer, went to the credit office of the Citizens Bank to get back the loan submission materials of Shenzhen 38 Company.

"In principle, the overdraft will not handle the procedures for new loans?" asked Liu Aihua while looking at the loan submission materials that he had just gotten back.

Liu Aihua said: "Yes, I took this information back from Wanzhongyi, and Director Yi Muzi who was sitting next to him said it. ”

On October 24, in the summer, seeing that Shenzhen 38 Joint Stock Company was no longer able to handle the procedures for repaying the old loan, in order to properly deal with the problem of converting 10 million yuan of Shekou Port and Shipping Company into a fixed deposit organized by the company, he wrote a request to Wang Xianyao and Chen Jiajia, the text said:

"Shenzhen 38 Co., Ltd. transferred 10 million deposits on October 17, first made up the interest rate difference of more than 18‰, and the original loan was turned into a regular term and made up the interest rate difference. According to the company, there is no money to make up for it now, and their company's loan procedures are also blocked in the head office. It just so happened that Anyan Company also wanted to borrow new loans of 8 million yuan to repay the old, but there was no deposit. This course suggests: the interest rate difference within 18‰ of the deposit shall be paid in advance by Anyan Company, and the amount on the receipt shall be calculated as follows:

(18‰-9.15‰) × 10 million yuan× 12 months = 1.062 million yuan.

Is it okay? ”

On the same day, Chen Jiaojiao and Wang Xianyao discussed and signed to agree to the summer plan, and demanded: "Anyan Company will return the difference check to the 38 Joint Stock Company and transfer it to the depositor, and the service society will give the Anyan Company a receipt, and the 38 Joint Stock Company must also issue a receipt to the service cooperative." ”

After reading Chen's instructions, he opened the iron filing cabinet in the summer, took out a soft-cover copy with "Working Paper on Deposit-Loan Linked Deposit and Loan Business" written on the cover, and deposited the amount in the deposit column in a chronological manner, and wrote the words "38 Company to Anyan Company" in the remarks column, and then pasted the manuscript of Chen Job's comments on the page.

Summer considered that nothing was missing, and then copied the soft leather back to the filing cabinet.

The next day, Shekou Port and Shipping Company cleared the interest rate difference and converted 10 million yuan into a one-year fixed term according to the agreement.

One can see how careful the summer is with its handling of sensitive business. However, because Chen Jiao has made the interest rate difference receipt of this deposit into a triangular shift of Zhang Guanli and will record it separately in the accounts of the three enterprises, will it become an official affair that no one can say in the future?

Whether this deposit business will cause trouble in the summer depends on what happens in the future.

The magistrate heard: According to the temperament of summer, like Shenzhen 38 Co., Ltd., borrowing new loans to repay old loans, even if it makes trouble with Gu Dingli, the head office president, it will have to find out the merits. However, this is an old loan from the period of the former financial services agency that was signed in the summer, so there is no need to be anxious.

It was precisely because of Yi Muzi's spirit and Wang Xianyao's compromise at that time that he did not follow the established policy to make the procedures for borrowing new loans and repaying old ones for the package of loans of Shenzhen 38 Co., Ltd., so that it was inevitable that they would be implicated in this matter in the future, and the latecomers of the Citizen Bank even did not hesitate to use the taxpayers' hard-earned money and used the state's public power to recover the bad debts in a fraudulent case. In this way, even if Summer is open-minded, selfless and fearless, it is inevitable that there will be twists and turns, and even if he can finally be safe, he will also bear the burden of right and wrong.

Admittedly, it was the Citizens Bank that suffered the most. Due to the lack of "people-oriented" concept among the main members of the leadership team of the later Citizens Bank, the senior staff was excessively and rapidly diverted, and after a few years, there was no one in the bank who knew the situation. On the other hand, the projects invested by Shenzhen 38 Co., Ltd. are all in the form of third-party cooperation, considering the relationship of costs, without completing the formalities of the property right certificate of the land in advance, and the enterprise and the bank have formed a chain of mutual deception, no one buys anyone's account, no one can chase the object, no one can find anyone, won the lawsuit, and lost money. It really confirmed what Feng Laodao said: "Give a loan of 20 million to national enterprises, and if you can't get it back, you won't be afraid", and in the end, the two sides couldn't get it back.

There is a poem as proof:

The gold-lettered signboard is cast in good faith, and the copper can not be splashed with ink;

Time is fleeting, stones can rot, and high character will win or lose.