At the end of the year, the People's Bank of the Special Administrative Region (SAR) saw that the ratio of deposits to loans of various financial service cooperatives remained high, and on 27 December 1994 it convened a meeting of the general managers of various financial service cooperatives plus the persons in charge of planning and credit. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 Info Hubei Financial Services Co., Ltd. was led by Zhuang Yu, and Xia and Xiong Zilun attended the meeting.

At the meeting, the leader of the People's Bank of the Special Administrative Region said solemnly: "Our comrades engaged in financial work must always have a high sense of political responsibility and a sense of social responsibility for the overall situation, and grasp the overall situation in an appropriate manner. We are close to Hong Kong and have a great social impact. At the same time, in more than two years, Hong Kong will return smoothly, and now that it has entered the post-transition period, there is such a force in the international community, just like the old saying goes, 'the heart of self will not die,' is always creating incidents, hoping that Hong Kong's return will give birth to right and wrong. Comrades, think about it, if we have big problems in the economic and financial fields, aren't we playing into their hands? In this case, you here have become something for the international anti-China forces? To put it mildly, if you do what they want to do but can't, you will become their lackeys!"

The meeting demanded that all financial service cooperatives pay close attention to the repayment of loans due to them, expand their deposits, collect interest, invigorate their stocks, and achieve a fundamental improvement in all indicators.

After Zhuang Yu came back, he organized a meeting with the boss and the department manager to study, and felt that the situation of Hubei Financial Services Society is still relatively grim, although the current deposit-loan ratio is 80%, but after the end of the year, there are many fixed deposits that are about to expire, and the loan does not have much room for compression, so it is facing the business risk of the first centralized payment of funds since the opening.

As a result, the Hubei Financial Services Society decided: First, it will continue to vigorously grasp the deposits, and the incentive measures will remain unchanged; second, if it is really difficult to recover the principal and interest of the loans, they can make up the supporting deposits and postpone the processing; third, they should reduce the deposit-to-loan ratio to 65 percent for new loans, and strive to save a little more deposits; and fourth, suspend the lending business.

It seems that summer is specially designed to solve the problems of the unit, and the Hubei Financial Services Society is short of funds, and is facing the huge pressure of clearing loans and collecting interest and launching deposits, and the summer has a place to use.

Speaking of which, it looks like it's going to be busy for a while. However, it's strange to say that whenever there is something to do in the unit, I can always make achievements in the summer.

That night, Summer had just had dinner when her phone rang. The caller was Yang Wuchang, deputy general manager of SZ 38 Co., Ltd.

He said on the phone: "Manager Xia, I am Yang Wuchang, let me tell you: Mr. Chen asked me to tell you that he is still in Zhuhai today, and he will rush back tomorrow, and he has brought a bill of exchange of 20 million yuan to be deposited in your service agency, please be prepared." ”

Xia was in a good mood when he heard the phone, and said to Yang Wuchang: "Thank you, please tell Mr. Chen, saying that Mr. Zhuang and I are very happy to hear the news, thank him first." ”

Yang Wuchang said: "I'll call him and tell him." ”

Xia put down the phone with Yang Wuchang and immediately made a call to Zhuang Yu, Zhuang Yu was also very happy after hearing it, and felt that a company like Chen Shanwei could help Hubei Financial Services Co., Ltd. a lot.

As soon as I went to work the next day, I was busy in the summer, and I did several things one after another:

The first thing is: the mortgage procedures of SZ Bao'an Welfare Bed Industry Co., Ltd. have been completed, Chen Lianping came over and said that he had no way to organize deposits, and Shao Min came to negotiate with him in the summer, and he signed a contract with Shao Min to organize a one-year deposit of 5 million yuan and make a loan of 3.2 million yuan.

The second thing is: Yang Inscription of Jiepeng Company is here. After looking for a few mortgage units, he finally finalized the mortgage of the real estate of Wu Xingwang, a native of Pinghu, for the real estate of Shum Yip Garment Company, but with an additional loan of 5 million yuan. Summer asked Zhuang Yu to agree.

The third thing is: Wu Yingwei, the legal representative of SZ Zhaoshida Co., Ltd., brought his accountant Wang Changnan to handle the loan procedures. This unit was introduced by Zhuang Yu's old friend in the Bank of China, and after finding Zhuang Yu, he asked Xia to contact him.

The fourth thing is: the four depositors who had been negotiated before, as if they had made an appointment, squeezed into the credit manager's office together to find the summer. They were: the base electronics company from Shekou deposited 5 million yuan, the Nanshan household name company Hou Zhi deposited 4 million yuan, and Mr. He Hao deposited two 500,000 yuan in the name of others, totaling 1 million. Shenzhen Rhine Industrial Company has a deposit of 4 million yuan.

Summer helped them deal with things, it was close to 12 o'clock, and he was about to take the rice bowl to cook. At this time, Hou Zhishu, who had previously made a deposit, walked in and said, "Manager Xia, I seem to have a little problem here." ”

Summer didn't know what was going on, so she hurriedly came out with him and asked, "What's the problem?"

Hou Zhizhi came to the side of the business hall and said with a smile: "My problem is your problem - we should both have lunch." ”

Xia smiled and said, "Mr. Hou, you scared me to death! I really thought something was wrong." ”

"In this way, we know each other, and I have a treat at noon today, and you must join in. Hou notified.

Summer is a lover, listening to Hou Zhizhi say this, he knew that it was not easy to shirk, so he said: "Let's go to Mingzhu Building for a light meal? The white tofu there is good." ”

Hou was very happy and drove to the Pearl Restaurant in person.

The two of them chose a small table in the hall, sat down and began to order. In the summer, I really asked for the famous side dish there - stir-fried white tofu, and Hou Zhifu also asked for a few dishes, and the two of them had lunch.

What makes Xia find strange is that Hou Shu sometimes looks at Xia Dinner, and forgets what he is doing - he doesn't eat himself. Xia had an idea: "It is estimated that he has doubts about me, so does he simply feel untrustworthy about my affairs, or is he worried about the safety of his future deposits?"

Summer was quiet, and when he was almost eating, he said: "Mr. Hou, the first time we dealt with each other, we asked you to break the bank, and I really didn't want to go." You see, I dealt with a lot of things this morning, including the fact that you like to find me to do things, there is always a reason for you, and I won't ask. I can tell you this: as a depositor, you will definitely be able to draw away your deposit after the maturity of the deposit, and although I have not publicly intervened in your interest rate differential, as long as you tell me your interest rate level, and I think it is acceptable, then I will supervise the lender to pay you, which is not ambiguous. Therefore, you can rest assured that you are dealing with me. ”

Hou informed: "I think Manager Xia is a character, so I like to make friends like you." There are really many opportunities for cooperation in the future. ”

After a while, Hou asked the waiter to pay, and the lunch for the two cost more than 400 yuan. Hou sent the summer back to the Hubei Financial Services Agency, and then drove back to Nanshan. On the way back, he held the steering wheel in his hand and muttered to himself: "If you want to say that this summer is really different, you will never mention the spread share, it is a good angle!"

Hou informed that half of it was right, and the other half was: he came to the door to ask him to help him save money in the summer, and the interest rate spread level was not low, and he had to do some work to find a loan to digest in the summer, but it was not good to refuse him, so he could only put his deposit next.

At more than two o'clock in the afternoon, Chen Shanwei of SZ 38 Co., Ltd. brought his accounting staff Li Wenfeng to Xia's office, Xia Xia and Xu Donghai stood up politely, and Chen Shanwei talked about business after boasting about the trip to ZH. That is, the 20 million deposits, of which 10 million, as the original 8 million loans supporting deposits, the original loans were postponed for one year; the other 10 million yuan deposits, supporting 5.4 million new loans, the deposit-loan ratio of 54%, the borrowing enterprise is the cooperation of the 38 Building of SZ AIA Industrial Co., Ltd., the legal representative is Wei Jianrail, in the revitalization of the road Huamei Building office. SZ 38 Co., Ltd. secured the loan plus transferred the mortgage.

Xia felt that Chen Shanwei put forward all the original proposals, and after agreeing, he said to Chen Shanwei: "I will take you to see Mr. Zhuang and tell him that the deposit has arrived, and the new loan will be operated according to the original plan." Accountant Li stayed to help you with the deposit procedures, is it okay?"

Chen Shanwei said: "That's good. ”

So, after taking Li Wenfeng to the front desk in the summer to hand over Wu Dongmei's bill of exchange, he and Chen Shanwei went to Zhuang Yu's office to see Zhuang Yu.

Needless to say, because Chen Shanwei brought a bill of exchange of 20 million yuan, which relieved the financial pressure of Hubei Financial Services Society, Zhuang Yu was so happy that when he saw Chen Shanwei, his eyes narrowed into a line, and he readily agreed to the request for a new loan of 5.4 million yuan.

Coming out of Zhuang Yu's office, Chen Shanwei put forward a request to the summer: because the company is preparing to start the Spring Festival holiday tomorrow at the Longhua villa construction site under construction, the wages of the workers who urgently need to be paid that day are still 200,000 yuan, please help this in the summer anyway.

Seeing Chen Shanwei's recent performance in the summer, he felt like a person doing business, so he didn't say a word, took out his passbook from the drawer, came to the business hall with Chen Shanwei, and transferred 200,000 yuan from his passbook to the account of SZ 38 Co., Ltd.

Then, Chen Shanwei wrote an IOU with the company's official seal for Li Wenfeng, who was still going through the fixed deposit procedures in the business hall, and Chen Shanwei personally signed it and handed it to Xia.

Subsequently, they remitted the 200,000 yuan to the account of the collaborator of the Longhua construction site.

Chen Shanwei, GD Maba. In his early years, he joined the army, and after demobilization, he worked in the finance department of SZ 38 Co., Ltd. and gradually climbed to the position of general manager of the company. Speaking of Qujiang, people will always associate it with the idiom "outstanding people" - yes, this hot land was once the place where the six ancestors of Zen Buddhism Huineng became famous, and the Nanhua Temple, where incense continues to burn, was created by Huineng Zen Master and is also the place where he buried his bones. Perhaps it was the summer who was familiar with the relationship between Nanhua Temple and Huineng, who once saw Chen Shanwei's resume marked as a native of Maba, Qujiang, that he had a little affection and fell in love with him. At the same time, in the summer, he also saw that Chen Shanwei could often help Hubei Financial Services Society at critical moments, so he relaxed his vigilance against Chen Shanwei a little, and was willing to use his savings to help Chen Shanwei. However, what happened later showed that although the 200,000 yuan was repaid many times in the summer, it became the "Jingzhou" that Chen Shanwei had borrowed for a long time in the name of the company. In this way, the loan became a rare tuition fee for the summer - which was unexpected.

When the end of work was approaching in the afternoon, in the business hall of the financial service cooperative, Wu Dongmei, Tan Feiyan, and Zhou Tianhong gathered together, discussing the deposits they had made that day.

Wu Dongmei said: "Today, 50.89 million deposits were made, and 34 million yuan was recorded under Manager Xia as a salesman. ”

Tan Feiyan said: "Don't say anything else, the deposit award given to him by the financial service agency alone is 23,800 yuan per month. It was so unfair, we were busy all day for him and nothing. ”

Zhou Tianhong said: "Director Tan, we will rely on you, how about a big eater? ”

"We have to think about a plan, otherwise we will lose too much. Tan Feiyan said indignantly.