In the afternoon, in the conference room of the financial services cooperative, Zhuang Yu, Qin Xianhong, Zhang Jingjing, Wang Kangkang, and Chen Shiqing sat at the oval-shaped conference table, and Lin Yun, a party from the sales department, also arrived and sat opposite Zhuang Yu. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Summer came in and found a seat close to Lin Yun and sat down.

At this time, Qin Xianhong presided over the meeting and said: "The afternoon meeting began, and today we have a meeting of department heads. The meeting talked about several issues: first, to sum up the lessons of the sales department's last loss of deposit receipts; second, to ask Mr. Zhuang to talk about the work of the past month since its opening, and to make a general plan for this month's work. Now, let's start with the first topic, how about it, please talk about it with the comrades of the sales department first?"

Qin Xianhong's "comrades from the sales department" had two people in the conference room, one was Lin Yun, the party concerned, and the other was Zhang Jingjing, the director. I only heard Zhang Jingjing say: "Lin Yun, say it." ”

Lin Yun said: "I blame me for this accident, after I opened the deposit receipt that day, because I was a customer of Manager Xia, I wanted to hand it over to Manager Xia." Somehow I didn't give it to him, and then I forgot about it. When I remember, the certificate of deposit was gone. At this time, I became anxious and begged Manager Xia to help me report the loss. However, Manager Xia asked me to report to the leader, and I was afraid that the leader would find out and lose my job, so I delayed it for a few days to get it back. My problems were that I lost my deposit slips and that I did not report to my leaders in a timely manner. I begged the leaders to give me a chance to correct my mistakes and not fire me. ”

After Lin Yun finished speaking, Zhang Jingjing said: "From the perspective of the responsibility of the sales department and me, it is a serious mistake to not establish a management system for valuable documents. I would like to strengthen the management of people in the following aspects......"

At the meeting, after everyone said a few words, the rest of the summer did not speak.

Zhuang Yu said, "Manager Xia, what do you think?"

Xia didn't want to say it, but Zhuang Yu named him and said: "I think that from the perspective of looking forward, the lessons that can be learned from this matter are: first, the sales department must immediately arrange a special person to manage important documents and issue them. However, it must be kept with the seal, and the receipt and use of important documents must be signed. In other words, it is impossible to do this by one person, but by more than two people. Second, employees should have operational positions and supervision and review positions in handling business, and take responsibility. Third, the business mistakes that occur on the day do not stay overnight, and you must find out before leaving work. This point is even more sloppy after the network is opened in the future. That's how I see it. ”

Zhuang Yu listened to Xia and said: "Everyone still has to go back to digest this matter, our main purpose is: the sales department can't make trouble." This point still needs to be bothered by Mr. Zhang. Now, let me talk about the opening month. ”

Zhuang Yu was about to continue, Qin Xianhong said, "Lin Yun, you can go." ”

Lin Yun got up and left the conference room.

Zhuang Yu continued: "We have been open for more than a month and a few days, and now the deposit is 230 million and the loan is 140 million, and the development momentum is very good. All the staff of the service cooperatives think in one place and work hard in one place -- that is, they are thinking about developing their business. This is also in line with what Deng Ping said when he went to Shenzhen: 'development is the last word'. We are now gathered together to use the platform of the service cooperative, develop it, and give shareholders rich returns, while also allowing us to improve economic treatment and make a fortune. However, if we look at the situation for more than a month, the development is uneven, and we have more than a dozen loan officers, some of whom are almost 30 million, and some of whom are less than 1 million. There may be problems of personal methods, problems of ability, problems of industriousness and laziness, and so on. The personnel department should greet the credit department: the loan officers who cannot complete the task within three months must be discharged, and at the same time, another group of loan officers can be entered, which is called not raising idlers, and the capable are up and the mediocre are down. ”

……

"Manager Xia, I'm Yu Liyan. Early in the morning, I was the first to go to the office in the summer, and when I heard the phone ringing, I picked up the phone and heard the voice of Yu Liyan, deputy general manager of the overseas Chinese company.

Xia said, "Good morning, Mr. Yu, why did you go to work so early?"

Yu Liyan said: "It's not because of you! I want to ask you, my salesman said that the Korean company is ready to make a loan from you, can you do it?"

"Isn't Yu always worried that there is no way to make up the interest rate difference on the deposit?" asked Summer.

"Of course, if I can't do it, I will transfer the deposit into it, won't I be beaten by others?" Yu Liyan said.

Xia replied truthfully: "I have seen the borrower, and I agree to support the project, but the collateral involved is a material under customs supervision, and it can only be certified by the customs." ”

"Is there a difference between what you can do and what you can't?" asked Yu Liyan with concern.

Summer said: "This has nothing to do with you, I told the Korean company that the deposit can be entered." That is, no matter what, I will be responsible for putting the spread on your company's account. However, you have to tell me the real interest rate. ”

Yu Liyan said: "In this way, I can rest assured! The interest rate level is still the same as last time, how about sending 7 million deposits over today?"

"The interest rate is a little higher, you can come over. Summer said.

Yu Liyan said: "Then, I will ask the salesman to come to you." ”

"Okay. Summer said.

At 10 o'clock in the morning, the salesman of the overseas Chinese company and the director Li of the Shenzhen (Korea) Investment and Development Company came to Hubei Financial Services Co., Ltd., and the overseas Chinese company transferred a one-year fixed deposit of 7 million yuan. And Director Li came to the credit manager's office and handed over the customs certificate to Summer. When I opened it in the summer, I saw that the certificate of the customs agreeing to the mortgage was issued by the Phuket Customs. Generally speaking, Phuket Customs is a second-tier customs, which is not the same thing as Kowloon Customs and Guangzhou Customs, which control the country.

Summer can be regarded as "the old revolution encounters new problems", and this kind of thing has not been dealt with before, so it can only be learned by doing, and doing while studying. After reading the certificate, he said: "Let me tell you honestly: I want to ask the master who volunteered to help me in Shenzhen to see if I can apply for a mortgage." How about replying to you in the afternoon?"

Director Li said: "The deposit has been transferred to 7 million, and interest has to be paid. You have to hurry. ”

Summer said: "The boss of this depositor called me, and I can sign it and help him do it." ”

"Oh well. Director Li said helplessly.

After a while, the salesman of the overseas Chinese company who had completed the deposit procedures, accompanied by Wu Dongmei, came to the office in the summer.

Xia said to them: "According to what I said on the phone with Mr. Yu, I will sign an opinion for you, and you will be fine if you take it back and hand it over." ”

Summer took out a pen and paper, wrote a letter of commitment, and they went satisfied.

In the afternoon, Xia came to the Luohu branch of the Industrial and Commercial Bank of China and found Yao Zhongping. Yao Zhongping said: "In Shenzhen, the customs that issues the mortgage certificate should be the Kowloon Customs, and the materials and certificates issued by the internal customs like Phuket are generally not good." At least we haven't done it at ICBC. ”

As a result, the summer dismissed the idea of giving a loan to a Korean company. The remaining issue of the deposit was dealt with by the summer, and the overseas Chinese company was deeply satisfied.

The summer is a big person, this deposit of 7 million yuan, at first because Wu Dongmei of the sales department introduced Shenzhen (Korea) Investment and Development Company to make a loan and introduced, and in the summer, it was made a deposit organized by Wu Dongmei, so that she could complete the assessment task. On the other hand, Miss Gao and Director Li of Shenzhen (Korea) Investment and Development Company are not like a set of people, they are still satisfied with the person who met Xia, although the loan was not done, but the company did not lose anything. In the years that followed, he had several contacts with Summer, and the relationship was acceptable. Based on this, Summer's performance of Miss Gao Li and Director Li who couldn't help but open the iron cabinet was defined as: "I am anxious to get a loan", and sympathized and understood.