The book is picked up again. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ

The only people who stayed in the president's office were Wang Xianyao, Chen Jiaojiao and Xia.

Wang Xianyao said to Xia: "Funds are quite tight now, and this is the case for the whole system. Of course, we're just more nervous. I don't think it's a matter of borrowing from the head office every day, we still have to move. Yesterday, SZ Eagle Industry and Trade Co., Ltd., which had been approved by the third credit department, used a third-party deposit certificate of 30 million yuan to mortgage a loan of 27 million yuan. Considering that when Zhuang Yu was in power, Bu must have already talked about it, and asked him to finish it, so he didn't ask you to interfere with Xu Donghai. ”

Summer smiled and said, "It's okay. ”

In fact, Summer not only said this on his lips, but also in his heart. This is the fundamental reason why Xia has been able to work in sensitive positions since he became a national cadre. It can also be said that all those who work in sensitive positions must have this basic literacy.

In the eyes of others, the work involving the issuance of bank credit is a pleasant thing to eat and drink, and the new governor will be very uncomfortable and a little lost if he excludes himself, but it will not be in the summer. Of course, the fact that Summer didn't get involved in the process of handling this loan is not a bad thing for him. Because before that, the question of whether the loan can be loaned or not may have been settled, and if the summer intervenes, if the problem is discovered, will it agree or not? If you don't rush to evaluate the loan or not, if there is a problem with the loan in the future, you will not be held accountable for the summer.

The development of events is often full of drama, and this huge loan, which was pledged by a state-owned bank with full time deposit receipts and was originally risk-free, was later exposed as a link to a shocking financial fraud case of huge sums of money and became an integral part of the case. In this way, this loan, which was issued when the cautious Wang Xianyao first took office, has become a lingering piece of his heart for several years, and has become the only comparison for him to "be bitten by a snake once and be afraid of grass ropes for ten years". At this time, in the summer, he spared no effort to help Wang Xianyao turn the tide and strive to properly handle the matter -- this is a later story.

But it was said that Wang Xianyao listened to Xia's words, looked at the temporary person in charge of credit selected by him kindly, and said to him: "That's good." Actually, my original intention was also for your good, and it was inconvenient to say anything if I inserted it temporarily. ”

After hearing this, Xia thought it was true, and hurriedly said: "Yes, it is best for you to deal with it like this, Mr. Wang." ”

At this time, Chen Jiao said: "In a few days, the head office will issue a seal, and Hubei Financial Services Co., Ltd. will officially change its name to Hubei Branch, and we will all change our name to President Wang." ”

"Yes. Summer chimed in.

Wang Xianyao said: "I heard that the financial services agency has signed a medium and long-term loan agreement with SZ 38 Co., Ltd., maintaining a deposit of 60 million yuan, lending 40 million yuan, and repaying the old loan. I think it's not bad to pound it this way. In fact, more than 30 million yuan was saved. Now, do you have a connection with them?"

"As part of loan management, we are still in constant contact with borrowers," Summer said. Recently, this customer often complained that our bank's speech did not count, and 10 million yuan came in in July, and it changed as soon as it became a regular term. I went a few times, but Chen Shanwei avoided it and asked his vice president Yang Wuchang to receive me. ”

Wang Xianyao said: "You tell him from a different angle: the team here has changed, first, the new team wants to understand the situation, and second, the cooperation between the two sides is finalized. Tell him to come to me. ”

Summer said, "I can bring him in to meet you." However, the impression I have of this company is that firstly, various relationships are intertwined, and secondly, the business is very complicated, and what smuggled cars, electronic products, etc., may also be doing, which makes people confused. ”

"Tell him to come and talk, and we'll make a judgment. Wang Xianyao said.

Summer said, "Then I'll contact him?"

"You can get in touch, he can come at any time. Wang Xianyao said, "By the way, the head office has assigned two college students, one named Gao Youhua and the other named Zhang Bo, to go to the credit department to exercise and exercise, which also happens to make up for the vacancy that you have no one to use after Ou Zhongzhong leaves." In addition, I discussed it with the homework, and Ren Erwei from the office was also transferred to the credit department, focusing on clearing old loans, and he can also drive, so it is easier to do things. You can arrange the work of these three people. ”

Summer said, "Okay. ”

Don't underestimate the prosaic conversation between Wang Xianyao, Chen Jiaojiao, and Xia Xia, and it is precisely before and after this dialogue that some business behaviors of these two companies are interspersed, which leads to a chaotic situation that no one can explain. All three regretted being involved. Some people said in their hearts, "How nice it would be if I arrived a few days late!" Wouldn't there be anything wrong with me?" while others thought, "How nice it would have been if I hadn't been fooled!" while others thought, "If I had done things in detail and checked them well, I wouldn't have made such a leak." ”

Interestingly, among the three, Wang Xianyao had only been in the bank for a few days, and he had the shortest contact with the company, and he did not know much about the situation at that time. However, he is the head of the bank, and the loan instructions he made are written in black and white on the loan file, so he naturally bears the main responsibility. Soon after, the business supervision department of the head office took the trouble to run to the Hubei branch. As the president of the bank for the first time, Wang Xianyao secretly knew that the power to approve loans was powerful, and he actually came to the "once bitten by a snake, ten years afraid of grass ropes", and from then on, every time the loan was started, his hand kept trembling, so that he did not dare to issue new loans. On the other hand, Chen Jiao, who has been working in Hubei Financial Services Co., Ltd. (sub-branch) for a long time, has been in contact with the two companies for the longest time and has the clearest situation. When the Hubei branch was facing a payment crisis, Wang Xianyao was most strongly encouraged to use the loan to convert deposits. However, once there was a problem with the loan and was investigated by the above, the young man was very afraid that he would lose his job because of this, and while he was silent, he was doing everything possible to avoid his responsibility, as if nothing had happened. Although the summer has nothing to do with the loan business of SZ Eagle Industry and Trade Co., Ltd. mentioned above, he has experienced the whole process of the two teams under the two legal person systems using SZ 38 Co., Ltd. to raise deposits to keep the door open, and he regrets that it is difficult to recover the loan due to his easy-going and negligent nature. However, he is not a decision-maker, and he has expressed some disagreements with leaders and lenders. However, with the passage of time, the former has gone, such as Zhuang Yu and Wang Xianyao, and there is no one who comes after, or those who come are ignorant. In this way, Summer became a natural insider and responsible person for the loan. This official is wrong, if you are entangled, even if you have a mouth all over your body, it is difficult to say that you are innocent, and sometimes you even get darker and darker, and you unknowingly fall into the strange circle of "there is no silver three hundred taels here".

If you want to ask how the future will develop, please listen to the little one slowly.

As soon as Xia returned to the office from outside, Yuan Aiping from the Planning Department walked into the summer office and said, "Manager Xia, your office has not been closed, I am worried about the loss of data, so I will close it, and I will pay attention to it in the future." ”

Summer said, "Okay! Thank you." ”

In fact, in the summer, the office is equipped with a safe and an iron cabinet for documents, and usually, he locks all the valid materials and usually does not close the office door. He mainly considers: one is to let his subordinates see that he is not leaving, and the other is to let the customer see the manager coming up downstairs, as for who to talk to is secondary. Now, Yuan Aiping can take the initiative to notice the safety of her office, which cannot be denied, and she should be encouraged.

After Yuan Aiping left, Xia saw the position table on the table, and an unshirkable sense of responsibility hit his heart: judging from the immediate situation, on that day, the service agency had overdrawn 30 million yuan. Within a few days, another 50 million yuan of fixed deposits matured. Summer thought: In the face of this situation, whoever is the president of the stall is very uncomfortable.

Xia thought: "Although I am the temporary person in charge of credit, I should also do my part to relieve the crisis of the branch." Where to start? First, find a depositor's deposit at a suitable interest rate for the bank to buy, but where will the funds come from? Second, let the old lenders organize deposits, just like Gu Dingli said, the borrowers and depositors should do a good job in the technical work of making up the interest rate difference, and the bank will be the matchmaker, and that is the best. But how do you get old borrowers to pay for it? It's a very difficult job. ”

Thinking of this, Xia opened the loans he had made at the beginning of the second department, and among the more than 40 loan households, more than a dozen have been paid off, and these ten or so are no longer willing to deal with the Citizens Bank. Of the remaining 30 borrowers, about 15 can make up the funds. Then it's 50% and can be used by me. Xia thought: "If the old loan accounts of the entire branch are also in this proportion, then, out of the 400 million loans, 600 million deposits would have been needed to do it." also play a 50% discount, you can get a deposit of 300 million. In addition, if the proportion of customers who are unwilling to comply with the loan households of the first and third departments is large, or the loan quality is worse than that of the second department. If it is half the difference, it can replenish 150 million dollars. This is not a small amount, if the bank wants to buy it with an interest rate difference, it will cost as much as 15 million yuan, and you will also have to bear the risk of illegal deposits. ”

"Yes, it is necessary to bring it up to Governor Wang. - Summer said in her heart.