On this day, the credit department of the Hubei branch will receive two counterpart departments of the head office: in the morning, the research team of the asset loss prevention department will come to implement the decomposition of the "two clearances" task in the new year and analyze the possibility of completing the annual plan; in the afternoon, the credit department of the head office will come to learn about the loans of the enterprises on the credit blacklist. Pen, fun, and www.biquge.info

At half past nine o'clock in the morning, Chen Shanshi, who had just been promoted to assistant general manager after a period of emotion, came to Hubei Branch with Yang Yang and Xu Haitao.

At the meeting, first of all, Chen Jiao made a comprehensive report, talking about the decomposition of the task into two departments, in principle, the capital and credit department will take the lead, and play a liaison role in connecting the upper and lower levels. Next, the summer reported on the specific collection plan and possible breakthroughs in each household under the direct jurisdiction of the Ministry of Funds and Credit. In the end, Xia said: "In my personal opinion, the actual performance of the Hubei branch in 1999 may be less than that in 1998, but it is not inactive. I estimate that it is possible to complete the principal and interest task of 50 million yuan. Among them, the task of processing non-collateral to clear the 'two stays' loans and the recovery of off-balance sheet interest of 19.83 million yuan can be completed. ”

At this time, Yang Yang asked, "Director Xia, why are you so sure about this?"

Summer sold a pass, smiled and said, "I'm also estimated." ”

Chen Shanshi said: "I have also dealt with Lao Xia for several years, and you are definitely not a braggart. You won't say what you're not sure about. Let's just tell me, did you catch something with oil and water?"

Xia said: "Everyone has been collecting it for a few years, but what else is there to have oil and water? The mortgage license plate of our Jianhua Company was supposed to be sold a long time ago, but you have been holding it in your hands for two years, and a few days ago, when you checked it, it was equivalent to losing 19 yuan. ”

Chen Shanshi said: "Do you mean that the 8 pieces that were originally registered by others and the 11 pieces that were not registered at the beginning?"

Summer said, "Yes." ”

Yang Yang said: "It should be counted as a loss of 11 yuan, because of the 8 yuan that others registered first, you just asked the court to auction it for cash, and there will be a problem of turning around in the future." ”

Summer nodded, expressing her approval of Yang Yang's statement.

Chen Shanshi turned to Xu Donghai and said, "Your product development department also manages the collection enterprise, Director Xu, you can talk about it." ”

Xu Donghai immediately said: "The 'two clearances' of our bank are mainly the affairs of the capital and credit department. We are mainly engaged in new product development. After that, he said no more.

This really made the head office feel unhappy with Xia, who glanced at Chen Homework and saw that he didn't react, thinking that Xu Donghai should be ordered a little bit to let him restrain a little. So, Xia said: "I will introduce the incentive mechanism of our bank to the comrades of the head office, which is the system that our bank has been implementing since the transformation of the Hubei Financial Service Cooperative. ”

Speaking of this, Xia looked at Chen's homework again, but he still didn't react.

Xia said: "The collection work is a very complicated work, unlike the deposit reward, the customer you pulled, got 1 million yuan, according to the reward of a few ten-thousandths to your deposit is over." Then, the complexity of the 'two stays' bonus lies in the following: Who or how many people get back the amount of the principal and interest of the 'two stays' loan to calculate the bonus? And who plays the most important role in the process of how many people get it back? This is the basis for deciding how much of the bonus is to be distributed. In the past few years, after the superior has approved the bonus, we will first give 60% of the share to the direct collector as the first distribution in each bonus calculated by the amount recovered, and the remaining 40% will be taken out as the reward for the person who assists in the post, which is also called the second distribution. And in 60% of each collection, it is not necessarily done by one person, and it has to be subdivided. Therefore, after tossing and turning like this a few times, add up the various items that each person has received, and it is the bonus that everyone deserves. When there is a part that is not easy to divide again, it is left to the department to summarize the dinner. This has been the case for several years. It should be pointed out that when a department clears the collection, it is calculated in this way, and when multiple departments clear the collection, the bonus is also calculated according to the mature plan according to the results of each department. Each department itself is fully aware of whether the amount of the prize it deserves and the amount of the actual prize is more or less. If so, what's going on? When you don't have any money to collect and get a large amount of bonus, you are actually taking advantage of others or other departments, as if you don't have a deposit and have more deposit rewards for no reason than you have a deposit. At this time, or the leader thinks that he wants to give you a little motivation to motivate you to move, and after achieving results in the future, he will also give a part of the reward to others. ”

As soon as Xia finished saying this, he looked at Xu Donghai's reaction, but fortunately, he didn't squeak. In fact, Li Guolan, Xu Donghai, Shu Guangrong and Shen Ping, who attended the meeting, could hear that Xia was criticizing them.

At this time, I saw Xia Xia again: "The problem of bonus is to encourage or affect the enthusiasm of the collection." Over the past few years, my own reported bonuses have been far less than my actual results, and as a result, the president has increased my actual bonuses every time, and I have tried to make my views on the bonuses of my colleagues as reasonable as possible. The problem now is that the concepts of 'reasonable' and 'unreasonable' are not clear. Let's just say that a person in the audience stands up and lets everyone see, the person behind him sees his back and buttocks, the person in front of him sees his face, and the person on his side sees his arms. So, if we define a person in this way, there are several ways to say it: one says, 'Man is the ass,' one says, 'Man is the face,' and the other says, 'Man is the arm.'" And so on and on. The same is true for the distribution of bonuses, a hundred people can have a hundred statements, however, only relatively reasonable. If you want to get more bonuses, you can only seize the time, start early, and do it yourself. The bonus you take back is given to you, and the bonus I take back is given to me. Everyone is under the same blue sky, with the same system, and they all rely on actual performance to speak, there is nothing unreasonable!"

Speaking of this, Xia glanced at the venue for a week, as if he was still unsatisfied, and continued: "What is Shenzhen? Why did we come to Shenzhen? My experience is that Shenzhen is a place where we can independently exert our subjective initiative and realize our self-worth; the reason why we came to Shenzhen is to give better play to ourselves and realize our own value. Back in the day, in Shenzhen, it was precisely because of the opening cannon of the Shekou China Merchants Bureau that the signboard of 'time is money, efficiency is life', that the mud truck drivers who split the mountains and transported the soil no longer only received dead wages, but had the reform measures of bonuses according to how many cents per car were withdrawn, so that the transportation volume increased by leaps and bounds; Some employees of state-owned enterprises who are accustomed to eating big pot rice and are unwilling to contribute have caused widespread controversy, and it is only then that there is a change in Shenzhen's employment mechanism today. Let's just talk about us, we came from the service cooperative, and everyone said, "Is it reasonable to give a deposit award?" Think about it, some of the same loan officers received a salary of 900 yuan a month, some of them 9,000 yuan, and some of them 45,000 yuan, did everyone say that it was reasonable? At that time, no one dared to say that it was unreasonable, because the little money they received was their own incompetence! People with small wages did not dare to express their opinions, but secretly went to receive their wages. I was paid a monthly salary of 90,000 yuan, but from a historical point of view, I think it was unreasonable at the beginning. Why? Because this deposit can only be obtained by linking it with a loan, and as for the loan, everyone knows that it has been hanging here until now, it has become a bad debt! Therefore, it is not only unreasonable but also at fault. However, history has made everyone go back so chicly, and it is not too much to say who is right and who is wrong, it is the environment, just like the song we often sing in karaoke: 'The past is unbearable.' 'Isn't that so?' I'm done!"

It is said that Chen Shanshi is also a credit manager in a financial service cooperative, and he takes Xia very seriously, and later had a business trip with Xia, knowing that he is a key person in the Hubei branch. Although I don't know that many of the words in Summer's speech were reactions to the discussion of clearing bonuses, I still agree with his views. Therefore, after the summer speech, he also played a role according to his feelings during his tenure as a credit manager, combined with the collection work.

In the summer, while listening to Chen Shanshi's opinions, and watching Chen's reaction, he didn't necessarily have anything special about him. Xia thought in his heart: "Originally, I said this to Xu Donghai a long time ago, but seeing that Xu Donghai's thoughts couldn't turn around, I had a hard time confronting Xu Donghai." ”

Later, Chen Jiaojiao saw that it was half past eleven, so he arranged for the comrades of the head office and the people attending the meeting to ask for a room at the Jingpeng Hotel and set up two tables. The other loan officers gathered around a table, and three comrades from the head office, Xia Xia, Chen Jiaojiao, Xu Donghai, Ren Erwei, Wang Yang, and the head office sat around a table. Then, I asked for a few bottles of red wine and ate and drank. During the banquet, Chen Shanshi saw Xu Donghai sullen, picked up his wine glass and said to him: "Come! Director Xu, drink!"

Xu Donghai stood up and was about to toast with Chen Shanshi, only to hear Chen Shanshi say again: "I wish the Hubei Branch greater achievements in the 'two clearances' work in the new year." ”

At this time, Xu Donghai said: "I'll toast with you on this wine, but the 'two clearing' work of the Hubei branch is Lao Xia's department." !" he finished his drink and sat down.

Xia looked at Xu Donghai's actions coldly, and said in his heart: "This is the difference between me and Wang Xianyao and Chen Job, if I become the president, as long as I hear subordinates like Xu Donghai who dare to make different voices in public, I will definitely be fired, let alone when the superior counterpart department comes to inspect the work." ”

At this time, Yang Yang stood up and said to Xia, "Director Xia, let's have a drink." You have to pay attention to your body! The responsibility is heavy, and the 'two clearances' of the Hubei branch depend on you!"

Xia said: "Am I that old? It is right to drink, and I suggest that Comrade Haitao also come along, and the three of us will have a drink." ”

So, Xu Haitao stood up, and the three of them drank a glass of red wine.

……

After returning from lunch, Xia decided to intensify the collision with Xu Donghai at the department meeting before the Spring Festival, and brighten up some of his things. )