After the audit team of the Citizen Bank was stationed in the Hubei Financial Services Society, the personnel inspection team organized by the head office also came to the Hubei Financial Services Society in mid-July to inspect the team, and its main content was to evaluate the incompetence of Zhuang Yu, Qin Xianhong, and Chen Jiaojiao. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

The inspection team was headed by Shao Yunfeng, director of the personnel department, and Wang Xianyao, head of the discipline inspection team of the head office. After they arrived, they talked to the department manager and the main business backbone according to the established plan. At the same time, the two groups of people in the head office ventilated every day and quickly grasped the basic situation of Hubei Financial Services Agency. The general impression is that the problems are much more serious than the head office imagined at the beginning, and some problems are still imminent and must be solved, and if they are not solved quickly, it will form a situation that will be difficult to clean up in the future. Therefore, Shao Yunfeng and Wang Xianyao did not dare to slack off, and prepared to return to the head office to make a detailed report to Gu Dingli and other leaders.

On the other hand, due to the arrival of the people from the Citizens Bank, the CEOs of the financial services agencies are even more fulfilled and busy. One moment to hold a meeting, another time to pull people to do things, as if it is very orderly. On this morning, as soon as Xia went to work, Zhuang Yu called and said: At nine o'clock, there was a meeting in his office. The investigation team informed the summer: the investigation team had an interview at half past ten.

At the meeting, Zhuang Yu, Qin Xianhong, and Chen Jiao unusually expressed their unanimous opinion: they should make up their minds to make up their minds to do the financing business of Shenzhen 38 Co., Ltd., and they will not hesitate to compete with other commercial banks. Zhuang Yu said: "Let's not ask for instructions, in the end nothing will be done." If you decide to do it, you will sign a medium and long-term agreement with Shenzhen 38 Co., Ltd. to hedge the deposit. ”

Bosses, you say a word, I say a word, and ask Xia to contact Chen Shanwei as soon as possible and come over to sign the agreement.

After ten o'clock, Summer left the financial service social field because of an appointment with the inspection team.

The inspection team, headed by Shao Yunfeng, director of the personnel department of the People's Bank of China, and Wang Xianyao, head of the discipline inspection team of the head office, and the deputy team leader, is a very competent expatriate organization.

Shao Yunfeng is a burly and dignified man, a standard northern man, and he doesn't speak much, so he is the most suitable candidate for the personnel and confidential work of the unit. He was the director of personnel, and he was the right person chosen by the Citizens Bank.

And Wang Xianyao, the leader of the discipline inspection team, is also a northerner, he is a bit of a northerner who looks like a southerner: relatively short and capable, very easy-going, but he is not a person who says what he says, he shows rare perseverance and strength in his bones, and maybe a little stubborn. He was working on a synthesis of words during his expedition.

After interviewing Chen Shiqing, who did not attend the meeting, the inspection team was waiting for the arrival of summer after interviewing Chen Shiqing, who did not attend the meeting, in the conference room of Hubei Financial Services Society.

Wang Xianyao, the deputy team leader, came to the door of the second credit department, knocked on the door, and whispered very modestly: "Manager Xia, go over there and sit." ”

Xia saw that Team Leader Wang came to call in person, with a smile on his face, and hurriedly replied, "Okay." Then he took the notebook and followed Wang Xianyao to the conference room.

Several comrades present greeted Xia Xia and asked Xia to sit down, Shao Yunfeng said, "Very busy?

Summer replied with a smile: "Yes, facing the peak of payment, it seems that you can't do it if you are not busy!"

Shao Yunfeng said: "You are the main business backbone of Hubei Financial Services Society, and you have been in the financial service agency, what do you think is the main problem of our financial service agency?"

Summer replied: "The problems of financial services cooperatives are complex, first of all, there are fundamental problems that exist in the system. The background of its establishment is that it came into being to meet the needs of the city's five small economic deposits, loans, and financial services, but it has deviated from this direction from the very beginning, and is using its own asymmetrical means to compete with professional banks for territory, resources, and loan customers. Second, there have been many short-term behaviors in the leadership of various financial service cooperatives out of the need for the board of directors to submit examination papers. These actions will ultimately cost the financial services community dearly. Third, financial enterprises, whether collective or state, because they are public enterprises, they are operating by using social reputation and national reputation, and when their social reputation is low, they have to pay greater operating costs, which makes financial service cooperatives overwhelmed and difficult to achieve good business results. ”

Speaking of this in the summer, Shao Yunfeng felt that his point of view was very fresh, and he was also a person of a certain level who they met after looking for a conversation. So, he changed his words and said: "It can be seen that you not only have rich practical experience, but also have certain theoretical knowledge. In this way, we will divide our conversation with you into two parts: in the afternoon, please talk about what this financial services agency can do to get out of this difficult situation, and please be prepared. Now, that is, in the morning, would you like to focus on your views on the team of the Financial Services Society. ”

Summer said, "Okay. ”

Shao Yunfeng said: "Come one by one, first of all, talk about your views on Comrade Zhuang Yu. ”

Xia said: "Zhuang has always been a native of Beijing, and he is also a financial talent trained by the state after the founding of the People's Republic of China, and many of his classmates are said to be in important positions at all levels. When I was studying in Guangzhou, I used to admire some of his classmates very much. I have worked with Zhuang for more than a year, and my general opinion is that Comrade Zhuang Yu is not bad in nature, and he is not the kind of person who wants to desperately make a fortune when he becomes the boss. He was also anxious to do a good job in the financial services society. In my opinion, it is precisely because of this word 'urgency' that Zhuang Yu and Hubei Financial Services Co., Ltd. have carried a heavy burden and paid a heavy price for it. Second, Comrade Zhuang Yu's obvious shortcomings are that he is not open-minded enough, cannot tolerate people and things, and sometimes is more ambitious and does things. For example, if you organize a deposit, sometimes one person will not accept one or five cents, while another person may be able to organize two points. This may not seem like a big deal, but it is easy to distract subordinates. Thirdly, in terms of business working methods, it is like walking a tightrope between the three credit departments, and whoever can use it will be used. This is problematic. For example, if the second department of a borrower does not agree to the loan, the third department will do it, the loan officer of the first department will make the materials, the manager of the second department will approve it, and so on. Fourth, there are often undesirable mistakes in judging the business direction of financial service companies. For example, in the face of the many payment peaks of our financial service agency this year, this is a situation that can be judged in advance, and I, as a subordinate, have suggested many times that we cannot split it this year. Of course, I wasn't upset if I didn't say it, and if he didn't listen. However, after the money is removed, every time the payment peaks are made, we have to spend a greater price to put out the fire and keep the door open. The result is that there is no money to be made at all, which is very embarrassing and difficult to understand. These are my basic judgments about Mr. Zhuang. ”

Director Shao said, "Okay, how is Chen's homework?"

Xia said: "Mr. Chen is generally relatively young, not very mature, from a big point of view, may be able to train better, but it will take time." He sometimes has some awkward trouble with Mr. Zhuang, maybe the two are in different positions, Mr. Chen thinks that he is from the People's Bank of China, and he has to bear the responsibility of supervision. In the case of the two of them, I think Mr. Zhuang should be mainly responsible. As a young cadre, I think Mr. Chen also has some obvious shortcomings, but it's okay, and he should be given the opportunity to know himself and improve himself. ”

……

After the morning conversation, when Xia was leaving, Shao Yunfeng said: "You talked very well in the morning, don't forget our agreement: as soon as you go to work in the afternoon, you still talk, which is the topic just mentioned, help us staff and staff." ”

Summer said, "Okay. ”

In the afternoon, it was Wang Xianyao who came and knocked on the door of the second credit department, and after looking at him with his kind eyes and summer's gaze, he said softly: "How is it, pass?"

Xia felt that Wang Xianyao's words were very kind, and walked out of the office with him. In fact, this feeling of his turned out to be the basis for the two of them to get along for more than four years.

When Xia came to the conference room, Shao Yunfeng said with a smile: "This afternoon, I would like to ask you to talk about the idea of our financial service company to get out of the predicament. ”

Summer said, "Okay, I'm throwing bricks and causing discussions. ”

Then, he opened his notebook and said, "First of all, I am completely in favor of the city government's drastic move to co-opt the financial services cooperatives. On the one hand, this measure has resolved the long-standing problem of business risks in financial service cooperatives. In addition, from a small aspect, it also distances shareholders from the management team, which is conducive to the normal development of the business. For more than a year, the second credit department where I work has often made loans to related households, especially loans to related enterprises recommended by shareholders and shareholders, and as long as they do not agree to a single payment, they are all over the place, and they are often threatened with fire. Let's think, can the quality of loans be high under this pressure?"

Summer paused and continued: "Our financial services agency has been in business for more than a year, and now it is time for the problems to be exposed. It is mainly manifested in the risk of capital payment, credit asset quality, business results, and so on. In order to effectively resolve these risks, in fact, the People's Bank of China needs to spend more energy and wisdom than preparing for the establishment of a new bank in order to do a good job in the transformation work. My view is: First, we must unswervingly implement a people-centered management system. ”

At this time, Wang Xianyao, who was taking notes, asked, "What's the center?"

"Putting people at the center is what is commonly referred to as people-centered," says Summer. It is often said that one side of the water and soil raises one side of the heroes. We in Shenzhen not only gather heroes and heroes from all over the country, but also hide dragons and crouching tigers everywhere. Moreover, there are many scammers large and small with high means. In this case, our employees, if they do not give full play to their abilities and do not have enthusiasm for work, obviously have no way to do their jobs competently. Second, it is necessary to cut into the reality of the People's Bank, see our problems, and look for a pragmatic direction for work. I once approached a depositor, and the legal representative of this company was used as a candidate for city leadership. My friend and I found his house, he was very welcoming, and after some pleasantries, I tentatively dug up his company's savings to deposit with us. After hearing this, he seemed to be talking to himself and to me: 'How can I tell people that there are professional banks that do not go to the financial service cooperatives, old banks do not go to the newly established ones, and the banks in front of the company do not deposit and have to go to a place several miles away to deposit?' What does this mean? It means that you are not positioned properly. That is, unrealistic. The third problem is to understand one's own problems and find a breakthrough in handling loans. Generally speaking, most of the money has been lent to people and enterprises that have no way to repay. This is the reality of the credit assets of the financial services cooperatives. For this, you should not even blame the loan officer and the credit manager too much. Why? Because Shenzhen is a city with a relatively developed financial service industry, banks not only compete very hard for good depositors, but also grasp good loan accounts in their hands. Think about it, if a good borrower can get a loan at a preferential interest rate or a normal interest rate at ICBC and Bank of China, why should he go to a financial service agency to borrow a loan of more than two or three cents? Therefore, the loan account of a financial service cooperative is usually relatively poor. On the other hand, because the cost of the borrower of the financial services agency is quite high, this brings a risk to him to repay the principal and interest of the loan. I have done an analysis that it is relatively easy for our borrowers to repay their loans only in one case, that is: when an enterprise has obtained a lot of low-interest loans from professional banks, and occasionally has insufficient funds, it borrows a little from the financial service agency, so that the cost of capital is still below the profit margin of the enterprise, then its repayment is guaranteed. The purpose of what I said is that the Citizens' Bank must be calm, objective, and pragmatic in its efforts to deal with old loans, and must combine loan repayment with coordinated replenishment of deposits, so as to achieve a soft landing in order to make a smooth transition. ”

After the summer remarks, the team was very interested, and they did not estimate that the summer evaluation of the loan quality of the financial services society system was like this, indicating that the risk of the financial services community was much more serious than originally estimated.

Later, the participants also discussed with Summer issues such as interest rate differentials, deposit and loan linkages, and large and small accounts.

In the summer, it was clear that the people who participated in the discussion had a good impression of their own honesty.