In the morning, in the credit manager's room, the three credit managers were talking and laughing about interesting things, and the confidential officer Han Xiaoniu knocked on the door and came in and said: "Three managers, the boss asked me to inform you: a meeting will be held in the conference room at nine o'clock." Pen Fun Pavilion www.biquge.info"

Summer responded: "Okay." ”

Han Xiaoniu not only didn't leave after the notice, but also walked further to Xia Xia and looked at Xia. Looking at Han Xiaoniu, who is usually a little sentimental in summer, she is by no means the kind of girl who is very open. I guess I had something to say, so I asked, "Xiao Han, is there something wrong?"

Han Xiaoniu blushed and whispered, "It's not a big deal." …… I want to ask Manager Xia to help me get through. ”

Summer said: "You say, what is the pass, how can I help?"

Han Xiaoniu said: "I want to complete the 3 million deposit task, I just came from GS, I don't have any friends, how can I make so many deposits? ”

Summer said, "Okay, I'll give you 3 million." ”

"Then I'll thank you in advance. Han Xiaoniu left happily.

After Han Xiaoniu left, Xu Donghai teased: "Manager Bu, you see, the girls who chase Lao Xia will automatically come to the door." Unlike you, take the initiative every night. ”

"Yes, you all say that my mouth is flowery and I have a woman's fate, but in fact, there are other masters. Bu must have said with a smile.

"You two must have a bodhisattva heart, do you see the faint sorrow on Xiao Han's face? It is not easy for her to come to Shenzhen alone, as the saying goes: 'Saving a person's life is better than creating a seventh-level floating slaughter', it is not easy for a girl to open her mouth to ask for someone. Summer said.

……

After a while, at the meeting of department managers of Hubei Financial Services Society, Zhuang Yu said: "Today we have a meeting to talk about the work requirements of this month. First of all, I would like to introduce to you that considering the need for the business department to strengthen management, there is a deputy director of the sales department in place today, named Tan Feiyan. Zhuang Yu said this, turning his gaze to the face of the new young lady.

The young lady stood up politely and said, "It's a pleasure to work with all of you, so please take care of it." ”

After she sat down, Zhuang Yu continued: "She used to work in a professional bank in the mainland, an assistant accountant, and a HN person, so to speak, from a big city. I believe that as long as she regards the financial services club as her home, she will be able to do a good job in the sales department, and I sincerely hope that she will do a good job. ”

"After last month's intense work like a war, our financial services agency is now normalizing again. Zhuang Yu said happily, "There are several tasks to be implemented quickly." The first is the issue of business development. Didn't Deng Lao say: 'Development is the last word', and I think so, no matter how fanciful you say about many things, in the end, you still have to look at the results and benefits. That's how shareholders see us, that's how I see you, and that's how you should see your colleagues and subordinates. From this point of view, the personnel department should step up the work of signing employment contracts for qualified employees during the three-month probationary period, and at the same time, it should also carry out a second clean-up of loan officers who now seem to have no future. Strive to get this done at the beginning of the month, Manager Chen, is it okay?"

Chen Shiqing said: "Okay. ”

Zhuang Yu also said: "Second, in order to make us have a better working environment and obtain social recognition, we coordinate with shareholders to prepare to move a place. Elder Wang, you have to bother. ”

Wang said: "I have been busy with this matter in the last few days. Yesterday afternoon, I went to his company and refused to open the door for me, I desperately slammed on the door of his office director, and I was really angry!"

After a while, Zhuang Yu said: "The third task is to improve the quality of our services. If we want to build a first-class financial service company, service attitude is the key. Recently, some customers have complained that our credit department is too hard. In my opinion, it is necessary to change, the loan customers are our food and clothing, and many things must rely on them, and the loan officers must be enthusiastic. Credit managers need to take the lead in this regard. ……”

Before Zhuang Yu finished speaking, Chen Jiao interjected: "I will add two sentences, the key is that the credit officer cannot recover the deduction, and the credit manager should take the lead in this regard." I've recently spoken to the shareholders on the board of directors and they have a lot of opinions on this. ”

Before Chen finished speaking, the people attending the meeting were already looking at each other, as if the leper was in the middle.

Summer thought to herself: "This old homework is too young, and it is inevitable that people will take advantage of it." How can such a serious topic be talked about in a meeting?"

After this meeting, it is estimated that there will be a complex contest of power and profit in the Hubei financial services society, which will not only be between shareholders and shareholders, between the board of directors and the management team, but also between the three CEOs, and even between different shareholders and a certain CEO to join forces with the other party. However, neither of the two vice presidents has the ability to be CEOs, Qin Xianhong seems to know the difficulty of being a family member of the No. 1 Service Society, and just wants to protect his vested interests, while Chen Jiao wants to use the background of the People's Bank of China to fan the flames with some shareholders and achieve his personal goals. If he does this, he will inevitably suffer losses and be deceived in the future.

"Hello, Manager Xia. "Summer was filling out the contract for the employees of the financial services agency in the office when he heard the greeting, raised his head, and saw two men standing in front of him.

Summer felt a little familiar with one of the thin men, but he couldn't say where he had seen it, and when he was hesitating, the thin man said, "I was introduced to Huang Zhonghui, and my name is Zhong Ningfeng." You forgot? Birthday ...... at the Development Building."

"Oh," Xia said, "I remember, you see my memory, age is trouble! No wonder recruiters in the talent center generally require people to be under 30 years old, and at our age, it's basically problematic." After saying that, he laughed first.

"Where are the words!" The man who came with Zhong Ningfeng answered: "As the saying goes, a man is forty-one flowers, you are now at the age of flowers, and it is the time to attract the most young lady." ”

Summer asked, "Is there such a way to talk about it?"

"I forgot to introduce to you," Zhong Ningfeng said, "This is the vice president of my company, SC, named Wang Chongqing." ”

Summer said, "It's nice to meet you. What do you care about today?"

Zhong Ningfeng said: "I want you to take care of it." I have a joint venture with a national enterprise and opened a company, which is an inline enterprise, called SZ Ningfeng Industrial Development Co., Ltd., which is based in Huaqiang North SEG Science and Technology Industrial Park. My friend took me two industrial plants and was going to make a mortgage for me, and I would like to ask you to help me make some loans, and we will solve the loan by ourselves. ”

Summer thought, according to him, there is a mortgage, there is a deposit, and you can consider making a loan. He asked, "Did you bring the information?"

"Brought, can you help me review it?" Zhong Ningfeng finished speaking, took out the information bag, and handed it to Summer.

Summer took a cursory look and said, "In the evening, I'll take the time to take a serious look at it and reply to you." In general, it is better to say a little bit about having a mortgage. ”

Zhong Ningfeng nodded and said, "I'll rely on you, be sure to help me." The deposit issue is the sole responsibility of our vice president Wang. ”

Wang Chongqing said: "Manager Xia, there is no turning back when you open the bow, and I have already paid 30,000 yuan for the deposit." ”

Summer felt strange and asked, "Who did you pay for?"

Wang Chongqing took out the financing contract and shook it in his hand, saying, "To Mr. Huang, Huang Zhonghui." ”

Summer said: "He made his own loans, and our financial services society settled the deposits. Aren't you afraid that he won't be able to give you a deposit?"

"I'm not afraid that he won't give me a deposit," Mr. Wang said, "and I told him to return my deposit double." I gave him 30,000, and he will give me 60,000 back. ”

Summer glanced at Wang Chongqing, and a trace of unhappiness flashed on his face.

Wu Dongzhi from the office of Hubei Financial Services Co., Ltd. came to the credit manager's office and asked Xia, "Manager Xia, is the loan released now?"

Summer said, "I think it can be done." What, do you have customers?"

"I have a friend who has a big industrial city and wants to do some mortgages. Wu Dongzhi said.

Summer said, "You can call your friends over and talk." ”

Wu Dongzhi said: "My friend has been busy lately, and he entrusted me to talk to the financial services agency. You see, the information is all done. Can you help me take a look?" After speaking, he opened the information bag in his hand and took out a complete set of loan materials and handed it to Summer.

In the summer, I took the information in my hand and saw that the certificate of legal representative was Wang Fengshou of SZ Shunfeng Industry and Trade Group Company, which seemed to be familiar. So he asked, "Has he ever been to us?"

Wu Dongzhi knew that he couldn't hide the summer, and replied: "He once looked for Manager Bu of the third department, and that was a long time ago. ”

Summer remembered and said, "It must be the first day of opening, right?

Wu Dongzhi asked with a smile, "Manager Xia has such a good memory?"

Summer also smiled and said, "Because he reacts to interest rate differentials a lot, what he said is something that I remember in my heart." By the way, what does he think about interest rate spreads or organizational deposits now?"

"Do it according to the rules of the service club!" Wu Dongzhi said.

After reading the loan information in the summer, I recalled the mean words Wang Fengshou said on the opening day, and I thought there was nothing wrong with it. Conversely, it is not clear that he values the cost of borrowing and may be more conducive to recovery. But there is one problem that cannot be left unsaid, it is inappropriate for this company to take Wu Dongzhi as the entrusted person and handle the loan procedures with full authority. So, Xia said to Wu Dongzhi: "The situation of this company is okay. However, you are an employee of our unit, and it is not appropriate for you to be entrusted by him to handle the loan procedures. You can introduce clients, but you can't do it yourself. ”

Wu Dongzhi explained: "He said they didn't have time and asked me to do it. ”

Summer said: "He wants to borrow money, and if he doesn't have time, he has to come by himself, and this cannot be ambiguous." ”

"Okay, I'll tell him. Wu Dongzhi reluctantly left.

This afternoon, Xia came to Zhuang Yu's office, and in the office, Qin Xianhong and Chen Shiqing were already sitting inside. After saying hello to everyone in the summer, I found a seat and sat down. At this time, Zhuang Yu said: "Wait a minute, Mr. Shao, who made bearing steel introduced by President Zeng before, is coming, so I asked you to come and listen to it together and see how much loan you can give him." ”

Summer said, "Good. This morning, a friend of Huang Zhonghui of the Huanglong Hotel also came to me and said that he would use real estate as collateral to make a loan of 5 million, and I have not read his materials carefully. ”

Zhuang Yu said: "As soon as the People's Bank of China opens up its business, we will be busy again. What do you think of Vice President Chen's speech at the meeting that day?"

Xia turned a corner and replied: "To tell the truth, since I became a state cadre, I have worked in sensitive posts for a long time, and I have hardly left the inner circle of managing money and power; after joining the party, I have often become the deputy head of the unit for investigating and handling economic cases. I have investigated and dealt with a few people who were in a higher position than me at the beginning and who had been involved in fighting, and before the accident occurred, these people sang loudly and loudly one after the other, and when something went wrong, they were even more unforgiving, and they were as embarrassed as they were. Therefore, I have a view that when the person in power sings a high note, it is a prelude to his problems. Of course, there may also be another explanation, that is, because he is the deputy boss and pretends to be worried, and has nothing to do. This is the same as "Ugly Slave" written by Xin Qiji in the Song Dynasty. ”

Summer then groaned:

The young man does not know the taste of sorrow and falls in love with the floor;

Fall in love with the floor, and worry about the new words.

After Xia finished groaning, he continued: "When a person is more mature, he is different, he speaks less, and he especially dare not say too much. Listen, Xin Qiji has another thing to say. Then he groaned:

Now I know all the sorrows, and I want to talk about it;

I wanted to say that I was going to rest, but I said, "It's cool and autumn."

Summer concluded: "You see, from ancient times to the present, there is no shortage of alarmist ....... ”

Maybe Summer's words speak philosophically, and many things have not been able to jump out of this circle throughout the ages; or maybe it is a proverb, like those who sing high notes in the book, who seem to be high and honest, but later on, they are all full of foreign appearances and cannot die well. What is good about this?

At this time, Zhuang Yu interrupted Xia's words and said: "Just now you mentioned joining the party, our financial service society can also set up a party branch, like a few of us here, you can also cultivate, inspect, and develop into a party member." Do you say?"

Xia smiled and said: "You can ask the Organization Department, which front of the party committee of our kind of unit is managed, and you can apply." Then, he continued: "The leaders here are all a little older than me, and they are also from the series of state cadres. I think that when I first joined the work when I was young, everyone was full of pride and ambition, hoping that they would make faster progress and have a smooth sailing career. However, you forget: colleagues are adversaries, and they often do whatever it takes. I have seen the personnel files of many veteran cadres. At that time, the focus of the appointment of cadres in the social environment was, first, on the issue of work style (that is, the relationship between men and women), and second, on the other hand, the heads of business departments were often said to have abused their power and turned public affairs into private affairs. As for the terms of trading power for money and soliciting and accepting bribes, this is still a matter that only existed after reform and opening up. Back then, people just spent eight cents on stamps, sent a plain letter, and got things done. When the personnel department wants to employ people, if there are two candidates on the table, the leader will never appoint the one who received the letter of the defendant. If you think about the path we've traveled, you can see how competitors block the most effective and the most annoying. ”

He paused for a moment and then said, "Whatever the motive for Vice President Chen's speech, it is not a bad thing for us who work in credit to have alarm bells ringing in their ears. My opinion is that although my current salary is not as high as that of the people here, it is enough to be a high-income person with the deposit bonus. If you consider working in this unit for a long time, you will not think about it again. ”

"It seems that Lao Xia's mentality is still relatively correct. Qin Xianhong said.

"That's how it should be. Xia took Qin Xianhong's words and said.

Xia noticed that Qin Xianhong called him "Lao Xia" for the first time after Zhuang Yu, and was excited, and continued: "Judging from our current financial and economic situation, it is a relatively chaotic period, and many people will fight in three or five years. I don't dare to say that I often stand by the river, that is, I don't get my shoes wet, but I am more sympathetic to the situation of the borrower. Actually, it's not that my consciousness is particularly high, I think like this: ten years ago, the monthly interest rate of the loans issued by our banks was 2.1% and 3.6% for medium and long-term fixed fund loans, and 4.2% for short-term working capital loans. At that time, some companies went to Guangzhou to raise money, and the money they got back was two cents per month, and I thought it was impossible to pay it back. Now, 10 years later, if the interest rate spread of the deposit they pay is amortized to the cost of the loan, the interest rate level is more than one-third. If this enterprise can only borrow money from the financial service agency to operate, then I dare to conclude that his loan will definitely not be able to get back without going through a lawsuit in court, and even if it is litigated, it may not be able to get it back. This raises the question: if there is a rebate at the time of the loan, the problem is likely to surface in the course of a lawsuit. Therefore, loan officers do not necessarily want to take kickbacks, but more dare not take them. ……”

At this time, a voice came from Wang Hua's reception room: "Hello, is Mr. Zhuang here?"

Wang Hua said, "Yes, I'm waiting for you! Please come in, Mr. Shao." ”

The person who came was Shao Hua, he entered Zhuang Yu's office, and took the lead: "Mr. Zhuang is good! Hello everyone!

"No," Qin Xianhong said, "Because you are coming, we are all waiting for you." ”

Shao Hua said: "I'm really sorry to make several leaders wait for a long time. ”

"Please Mr. Shao for tea. Wang Hua came in with a glass of boiled water and handed it to Shao Hua.

"Thank you. After Shao Hua finished speaking to Wang Hua, he turned to Zhuang Yu and said, "Today I came to report my whereabouts to several leaders in the past month. Last time, after coming out of your place, I immediately went to the GZ Bank of China to finalize the exchange of foreign currency, and then, flew to HE Bin, discussed with HE Binhai reception station about receiving goods, and after finishing it, I returned to City B and did a grain business. After the money is in hand, fly to GZ, get the real estate certificate from the head office, and go to SZ to ask for help. ”

Zhuang Yu asked, "How much does Mr. Shao want to borrow?"

Shao Hua said: "My business involves the division of accounts between two companies that I have a legal person -- GZ China Merchants (SZ) Development Co., Ltd. and SZ Taishan Industry and Trade Co., Ltd., so since the business is done by two companies, and the profits are also divided between the two companies, the loan should also be borne by the two companies. I took 9 sets of real estate from GZ head office in Gaojia Building, which is where I now work, and the original price was 10 million yuan. What do you think?"

"Your real estate certificate is owned by SZ Company, where you are a legal person, why do you keep it at GZ Headquarters?" asked Summer.

"This is not yet the need for the head office to strengthen management. By the way, if you agree to apply for a loan, the head office will also send the finance minister to supervise the processing. To put it mildly, I heard it when I was a soldier, and my head office really 'didn't have that much of turtle urine'. Shao Hua said.

After listening to Shao Hua in the summer, he heard that his head office was so serious and serious, and that he had a decent and honest commercial housing mortgage, so he felt that it was okay, and he didn't ask anything more.

Zhuang Yu has been working with Summer for a while, and he knows the characteristics of Summer's work, and he also knows it. After a while, Zhuang Yu said, "Mr. Shao, when do you call Manager Xia and the loan officer to your company to find out." Now it is more serious to make loans, and after they write out the report, we will study and sign the contract and handle the mortgage registration. ”

"Okay, then let's make an appointment with Manager Xia. Boss, do you have time tonight, let's walk around the field together?" asked Shao Hua.

Zhuang Yu said: "You're welcome, we're going to have a long time." Something happened tonight. ”

"Then I'll go first. Shao Hua shook hands with everyone and prepared to leave.

Xia also said: "Mr. Zhuang, if there is nothing else, I will go back." ”

Zhuang Yu said: "Okay. ”

So, Xia left Zhuang Yu's office with Shao Hua.