I didn't forget the work assigned by Zhuang Yu in the summer, because there was no loan to do recently, and relatively speaking, the day was not so busy. The pen "Fun" Pavilion www.biquge.info he wrote a summary of three months in the office.

He wrote:

Summary of the work of the trial operation for three months

Our company was established on December 20, 1993 with the approval of the People's Bank of China, approved the business license of the legal person on March 15, 1994, and put into trial operation on April 28. In the past three months of trial operation, under the leadership of the Municipal People's Bank and the board of directors of the society, we have united the vast number of employees, worked diligently and hard, and have done a lot of work in establishing and improving the management system, developing business, standardizing operations, and ensuring the safety of credit funds, and have made phased progress. In addition, from three months of exploration and practice, we have accumulated the experience and lessons necessary for running a collective financial organization. According to statistics, in the past three months, the company has expanded 402 deposit accounts, amounting to 313.85 million yuan, including 122 fixed-term accounts with 274.19 million yuan, 280 current accounts, with 39.66 million yuan, 10 loans issued with a total of 254.7 million yuan, the existing balance of 174.7 million yuan, and the ratio of deposits and loans to deposits is 57 percent; by the end of June, the profit was 350,000 yuan, the taxes were 170,000 yuan, and the profit rate on funds was 0.7 percent.

In general, through the hard work of all employees, our company has initially opened up the situation. At the same time, through the concern and help of the People's Bank of China, our company has greatly enhanced its consciousness in implementing the relevant regulations of the People's Bank of China, reduced credit risks and operational risks through its own rectification and rectification, stabilized customers, gradually put all work on the right track, and improved the restraint mechanism and incentive mechanism for standardized operation. We have reason to believe that our company will win the trust of the society and customers with good staff quality and excellent service attitude.

The basic situation of our company's trial operation for three months is summarized as follows.

1. Organize institutions, recruit and train employees, and establish and improve various rules and regulations.

After receiving the financial license and industrial and commercial license, the members of the preparatory group actively carried out the preparatory work before the trial operation according to the resolution of the board of directors, including site selection, decoration, recruitment and training of employees, and the formulation of basic operating procedures and a series of rules and regulations, so as to create basic conditions for the trial operation.

l. Recruited talents from all over the country, recruited 53 business backbones and practitioners, and organized them to Guiyuan Vocational High School and Brother Bank for a 15-day business training, and met the requirements of the post after assessment. Among the 53 people recruited, 23 are college students or above, 15 are technical secondary schools, and 15 are others, 1 has a senior title, 7 have an intermediate title, and 17 have a junior title. Many of them are business personnel who have been engaged in financial work for more than 10 years. After the trial and assessment, many comrades of these employees have become the backbone of our company's business, and have made outstanding achievements during the trial operation of our company.

2. Establish and improve various management systems, so that the monitoring is strong and there are rules to follow. The management system is a necessary condition to ensure the standardized operation of the enterprise, since the trial operation of our company, while dealing with the busy business work, while the discussion and modification of all employees. The formation of the "Shenzhen Hubei Financial Services Society Staff Code", "Public Security Management System", "Computer Management System", "Weekly Meeting System", "Accounting System", "Cashier System", "Attendance System", "Reward and Punishment System" and "Shenzhen Hubei Financial Services Society Loan Management Measures" and other basic systems and post responsibility system and operating procedures, at present, is forming an effective management system, is now the focus on the implementation of the system.

3. Combined with the spirit of the "three prevention and one guarantee" meeting of the head office of the People's Bank of China and the municipal government, we should pay attention to the hardware construction of security facilities. From the beginning of the preparation, we attach great importance to the safety and security work, from the setting of the vault to the allocation of monitoring equipment and the selection of security personnel, are meticulous, serious, willing to spend money, the Municipal People's Bank Security Department and the Public Security Bureau to our inspection after the safety work has been given a high evaluation.

Second, the combination of care and education, stimulate the enthusiasm of employees to love the society as home, and cultivate them to establish a good habit of customer first and abide by professional ethics.

In order to gain a firm foothold in Shenzhen, where the competition in the financial industry is fierce, we must not only rely on the enthusiasm of our employees, but also pay more labor than our brother banks and companies that started first, so as to gain the trust of customers. In order to realize the initiative of the board of directors on "building our company into a first-class service cooperative", we put forward the slogan of "Hubei is your bank, Hubei is dedicated to serving you" on the day of our trial operation. In order to embody our tenet of "customer first", our company combines caring for the welfare of employees with educating employees to be dedicated, and inspires employees to establish a good habit of loving the society as home and abiding by professional ethics, which has achieved good results.

l. Closely rely on the board of directors to do a good job in the coordination and communication of all shareholders. Since the trial operation, the leading members of the company have united and cooperated and fully devoted themselves to the work of the trial operation. In the process of trial operation, many customers came one after another, and the leaders of the company sometimes did not even take care of lunch, and used the noon time to fight continuously to negotiate business with customers. It can be said that in order to open up the situation, the management team of our company has spent three months in a very busy atmosphere.

2. Always think of the difficulties of employees, do more practical things, and solve their worries.

There are 53 employees in our company, who come from all over the country, and the leading members believe that talent is the most important thing to build a first-class service society. In order to create and maintain a group of employees with good moral character and proficient in business, it is necessary to make the service society a veritable home of workers with centripetal force and cohesion.

(1) Under the condition that the office space is very tight, 20 square meters were given up and 40,000 yuan was spent to purchase kitchenware. Three cooks were hired to set up a staff canteen that served three meals, which solved the problem of difficulty in eating for employees.

(2) Rent 6 dormitories for employees who do not have housing, and calculate and pay an appropriate amount of housing subsidies to other employees, so that employees can live and work with peace of mind.

(3) Considering the scorching heat and the difficulty of employees commuting to and from work, subsidize cooling expenses and transportation expenses for employees. In addition, work clothes are made to order for each employee.

3. Combine education, motivation and punishment to cultivate the ownership spirit of employees.

At the same time, our company organizes employees to learn the relevant rules and regulations, and invites the outstanding business backbones of the brother company to pass on the scriptures and send treasures, carry forward the professionalism of loving the society as a family, commend and reward the good people and good deeds in various activities in a timely manner, and criticize and stop the unhealthy trends in a timely manner. In this way, a relatively good social style and social outlook have been basically formed, and a good relationship between banks and enterprises has been established.

Practice has proved that our measures are effective, the majority of employees also cherish the opportunity, and indeed pay hard work for the construction of our company, and the professionalism is commendable, which is manifested in:

(1) In the past three months, the majority of employees have responded to the call, insisted on going to work during the day, and used the evening and noon to mobilize customers, reflecting the sense of responsibility and high professionalism of the owner, and they closely linked the prosperity of the service society with personal welfare and career achievements. According to statistics, employees mobilize the most customers on average one customer per day. Among them, the sales department has launched 12 customers per capita, with an average daily deposit of 450,000 yuan per person. Although this number is not very large, it is rare for female comrades from all over the world who are not familiar with life in Shenzhen.

(2) The security personnel strictly abide by discipline, insist on being on duty 24 hours a day, have a strong work style, abide by discipline, and do their duty for the safety work of our company.

(3), the quality of the staff has been greatly improved, whether it is the settlement checks, efficiency, business level and other aspects have made great progress, business errors have been greatly reduced, such as the cashier has been found in time and collected 3 pieces of 210 yuan**.

3. Actively cooperate with the inspection of the People's Bank of China, make changes while investigating, standardize operations, and implement various systems in a down-to-earth manner.

During the trial operation, our company mobilized 402 customers, with a deposit balance of 313.85 million yuan and a loan of 254.7 million yuan, and the achievements were the main ones. However, due to our lack of experience, there is a subjective impatience to catch up with the scale and efficiency of the brother banks, so that there are some problems in the scope of business, the proportion of single loans, the proportion of shareholder loans, and the management of accounts. The People's Bank of China is very concerned about our company, and sent an inspection team to help us sort out our accounts and solve existing problems. Therefore, the help of the People's Bank of China has had a positive impact on our society. The main practices of our company are:

l. During the inspection, we attached great importance to the work of self-examination and self-improvement, and reported to the People's Bank of China the "Report on the Self-inspection and Rectification Measures of Shenzhen Hubei Financial Service Society" At the same time, a comprehensive post-loan inspection was carried out on all loans, and the information and file procedures of the loans that have been handled have been improved, and by strengthening the credit management work, the three-level approval system and the work responsibility system have been implemented, the risk management methods have been implemented, and the understanding of loan risk dispersion has been improved.

2. Straighten out the management system and implement the system.

Through the inspection of the People's Bank of China and the self-examination and self-improvement work of our company, we fully realize the importance of strengthening leadership, implementing systems and strengthening internal control mechanisms. To this end, the first is to convene a special meeting of all employees and various departments, organize employees to implement the basic system of the company and the departmental post responsibility system, so that there are laws to follow, rules to follow, and violations must be investigated. The second is to strengthen leadership, straighten out the management system, and re-clarify the division of labor among leading members, each with its own responsibilities, unity and cooperation. Third, the management functions and assessment measures of the credit department have been strengthened, the relationship between departments has been straightened out, and the risk management measures and the three-level loan approval system have been implemented.

3. Conscientiously implement the Ministry of Finance's "Financial System for Financial and Insurance Enterprises" and standardize accounting and settlement management.

Second, on the basis of the auditing group's help in sorting out the accounts, we will improve the mechanism for setting up the comprehensive account and controlling the overall score; third, we will correct some irregularities in the opening of accounts and in the previous period, and ensure that the business of opening accounts and deposits is handled in accordance with the conditions set by the People's Bank of China; fourth, we must resolutely put an end to the phenomenon of discrepancies between comprehensive accounting and detailed accounting, and ensure that we can achieve "four levels" every day Fifth, it is necessary to do a good job in checking internal and external accounts, prevent collusion of accounts, correct possible mistakes, and establish the credibility of the "three railways" of financial enterprises.

Through the implementation of the above measures, the work of the sales department has become more and more standardized, and there has been significant progress.

To sum up, after 3 months of trial operation, although there are many problems, the achievements are the main ones. At the same time, with the help of the People's Bank of China, we have accumulated experience and lessons in operating a financial service cooperative. We believe. In the future, under the leadership of the People's Bank of China and the board of directors, the leadership team of our company will unite all employees of the company, work together and work hard, and "Hubei Bei" will truly become the treasure of Shenzhen!

We estimate that that day is not far off.

The management team of Shenzhen Hubei Financial Services Society

July 7, 1994

It is said that in order to cope with the board meeting in the summer, I wrote a summary of the opening of Hubei Financial Services Co., Ltd. in the office for three months, but there are still many customers who come to contact. He goes back and forth between writing summaries and hosting guests.

Zhong Jianzhong, the general manager of Jiaying Laser Company, who I mentioned earlier, relied on his inherent impression of summer, and took the 5 million bills of exchange from depositors, and asked to be transferred into a fixed deposit first, and then see if he could refinance in the future. Xia said to him very realistically: "We are still in the rectification period here, and we have to wait for the notice of the People's Bank of China when we can make loans." ”

Zhong Jianzhong said: "It doesn't matter. If you can't let it go, I'll help you develop your deposit business, right?"

Summer smiled bitterly and said, "If Mr. Zhong says this, there will be no harmony between our friends." "Actually, judging from the previous development of his customer, I know that he is a budget-conscious person and is not generous to this extent. But this time, Zhong Jianzhong did what he said, and as soon as the bill of exchange arrived, it was immediately converted into a fixed deposit of 5 million yuan a year.

Summer owes him a favor and personally sends him out of the door of the financial services agency. Before returning to the office, Bu must have chased to the door and called Xia: "Lao Xia, your phone." ”

Summer hurriedly came back and picked up the phone: "Hey, which one?"

Ke Shaoji's voice came from the phone: "Manager Xia, hello, have you been busy lately?"

Summer said, "You know, we don't do loans now, where can we be busy?"

"I'm the opposite here. Ke Shaoji said, "Chen Ping's decrepit boy didn't come back after the operation, it was really 'a shot to change a place', which made me dewy and too busy." And my friend has another 10 million or 20 million deposits, and now he can't find a customer when he wants to take out a loan......"

"Hey, I said Manager Ke. Xia interrupted Ke Shaoji's speech and said, "If you can't win, why don't you give us a deposit of 20 million yuan and help Wang Dan you introduced to complete the task?"

Ke Shaoji said: "It depends on my friend's attitude. My friend is a little weird-tempered, and when the money comes to me, he doesn't call me, and he only knows when he comes. He asked rhetorically: "What, Wang Dan can't complete the deposit task?"

"Yes!" Xia said: "At that time, I told you: my assessment here is still relatively hard, and I may not be able to stay if I can't complete the task. ”

"I'll figure it out for her. Ke Shaoji said: "Have you recently introduced me to any customers who want to take out loans?"

"Customer?" Xia thought for a while and said: "There is a customer who is your honest and honest fellow, I have been to his company, and I heard that it is a big boss, but there is no substantive relationship. His name is Yebelin, have you heard of it?"

Ke Shaoji said: "I've heard of the name. Where does he work?"

Summer said, "If you're interested, I'll call him and tell him to contact you, okay?"

"Okay, better be faster. Ke Shaoji said.

At the Meilin Financial Services Agency, Chen Ping, who first brought him in, made loans of more than 300 million yuan, including the Shenzhen Jianhua Company, the Lianhai Paper Company, and the Yusen Real Estate Company, in less than half a year. However, due to the lack of loan customer resources for Chen Ping and Ke Shaoji, in order to digest the deposits, they insisted on blindly increasing loans to the old loan accounts that had already been borrowed and had not been repaid. They believe that "it is better to be raw than cooked", and they also came to a "loan is not suspicious": the original development of the summer customer - Shengyi lighting and platinum lighting company loan balance from the original 5 million yuan, suddenly increased to more than 60 million yuan, the company's legal representative Xia Chunlei was stunned by the day of the pie, seeing the white silver in the pocket nowhere to spend, then came to a rapid expansion: in Huaqiangbei bought a six-storey industrial plant, renovated as the company's headquarters and exhibition venue, since then out of the start of the business rented 500 square meters of office in the International Trade Building, one breath to buy two new Mercedes-Benz cars as a symbol of the company's style, for which a total of 2.4 million yuan was spent。 At the same time, Xia Chunlei also spent 980,000 yuan to auction a mobile phone with the number "9**8888", commonly known as the mantissa four eights, at the auction of the first auction of Big Brother (mobile phone) by Shenzhen Mobile Company (at that time, the phone number and the mobile phone had not yet been separated), which was widely spread in the society. As Xia Chunlei, who used to be the leader of Xia Chunlei's superior department, heard this, he secretly complained in his heart, worried that he would take risks when he was unable to repay his debts in the future, and thus destroy a well-known domestic lighting company. At this time, Chen Ping made a lot of money because of his cunning methods and extorting loan customers. After the ill-gotten gains increased, he was worried about the crime day and night, and he kept muttering in his heart whether to stay or go, and finally had a heart attack. After the operation, he found the steps, repeated the old trick of "shoot a shot to change a place", and walked away.

Chen Ping's departure is not a bad thing for Ke Shaoji: He has changed from the original two of them discussing things to covering the sky with one hand, so why not do it! He is no less casual than Chen Ping in making loans; in the more than two months that he took charge of the credit department alone, he has increased the loans of the Merlin Financial Services Society by more than 150 million yuan, and his operating methods are also surprisingly crude, and the interest rates are extremely high, which is difficult for ordinary people to understand. After the two met, Ye Beilin was deeply impressed by Ke Shaoji's boldness, ruthlessness, and rough methods, and was very worried that this fellow would soon be imprisoned.

It seems that in Ke Shaoji's heart, Merlin Financial Services Agency is not a place for him to stay for a long time. If this is the case, Shen Hu, general manager of Meilin Financial Services Society, has the audacity to appoint Chen Ping and Ke Shaoji to control the credit department, which is really dizzy and blind.