In the summer, we hold a general meeting of the Planning and Credit Section. Pen, fun, pavilion www. biquge。 All the staff of the info plan credit are all in place except for Xu Dong overseas. When Xia was about to speak, Xu Donghai entered the venue late, and Xia said, "Old Xu, sit down." ”

Xu Donghai found a seat and sat down.

Xia said: "Today's meeting is to rectify discipline and to arrange the task of 'three cleans'. This meeting is a very serious meeting, after the meeting, everyone should reflect on their thoughts, cheer up their spirits, unite their colleagues, and work hard. That was the purpose of the meeting, and if it was the same as if it wasn't, there would be no need for it. ”

Xia said: "Before this meeting, I made two moves to pave the way for the meeting: the first action was to issue the "Reward Measures for Clearing Overdue Loans and Arrears of Interest", "Measures for the Management of Loan Files", "Credit Professional Post Responsibility System", "Credit Professional Evaluation Measures", and "Hubei Branch Customer Management Plan" for everyone to discuss in order to form a complete set of mature plans; the second action was to transfer Xiong Zilun from his post. I would like to add that I have repeatedly criticized, educated, and helped Comrade Xiong Zilun in the hope that she will take her work seriously, and until the morning of the decision to transfer her, I still hope that she will be able to do her work well with quality and quantity. However, she did not think so, and she took advantage of the opportunity of the head office to inform the brother bank of the late report, and saw that her work seemed to be very important, so she blackmailed the organization on this basis, which was unforgivable. Afterwards, she told me that she was encouraged to work against me.

Comrades, when talking about rectifying and improving the quality of the credit contingent, Feng Laodao, vice president of the head office, said: "In order to raise the staff of the service cooperatives to the requirements of the People's Bank and to fundamentally put an end to the problem of old wine in new bottles, you must pay attention to the building of the contingent. Last time, our section issued an opinion on strengthening attendance, and after everyone studied this document, there were still problems one after another. Xiong Zilun didn't talk about her, Li Chaoyang and Shu Guangrong were absent from work on the same day. Last night, I watched a TV series at home, which was about the time when SH's intellectual youth went to the mountains and went to the countryside, and when they arrived in Xishuang BN, many men and women fell in love and even had children. A few years later, the tide of returning to the city came, and as a result, there were many tragedies of breakups. The theme song sings, 'What can I give you but my true feelings, what can I love you but your kindness?'"

Speaking of this, Xia glanced at the venue and saw Zhang Bo and Ren Erwei smiling knowingly.

Summer continued: "To be fair, I have shown deep sympathy for the employees who have come from the service club, and this is not because I am also from the service club, so I love the house and the black and favor you. Rather, because the cultural level of the colleagues in the service club is generally relatively low, it is not easy to mix a bowl of rice in the society, so although the mouth is strict, it is inconvenient to start frying people. But that doesn't mean we can just keep messing around. My word of advice is: gentlemen, when all you have left is 'what can I love you but your kindness,' it is hard to say.

Dear colleagues, in order to avoid this kind of outcome falling on our heads, combined with the implementation of the spirit of the 'Three Clearances' work conference of the head office, I put forward the following opinions.

First, work tasks and discipline.

1. From now until the end of the year, the 10 comrades of the undergraduate should attach great importance to it ideologically, be proactive in action, and do not push, delay, or top in work, and do nothing.

2. Workload: borrowing the new to repay the old to complete: Good Boy Company, Yinhong Industrial Company, Shekou Sea and Land Transportation Company, Anyan Automobile City Company, of which 20 million yuan, Yuanda Industrial Company, Shunfeng Industry and Trade Group, Zhaoshida Company, Golden Rice Company, etc., about 43 million yuan of investigation work, to November 15 all reported to the head office. Collection of principal and interest of old loans: On the basis of an average of 1 million yuan per person per month, 14 million yuan from Anyan Company, 1 million yuan from Baoan Shunpeng Company, and 500,000 yuan from Laoxingmei Company were recovered. If the loan is cleared and executed in accordance with the law, it is necessary to pay close attention to the auction of the collateral of the Furong Food Company, the Zhonghua Color Printing Company, the Longhai Hemp Cotton Company and several other households in the first batch of execution. Among the new loans, it is mainly to meet the needs of the governor to carry out deposit work, and four or five customers are on the agenda.

3. About the time-limited service. Make a loan for 6 days: three days for the investigation post, 1.5 days for the examination post and the section chief, and 1.5 days for the president; 1.5 days before the report and 2 days before the report for the written information, and three points will be deducted for each more than one day. If the overdue report leads to criticism by the head office, the party's one-month benefit salary will be cancelled until the name is removed. Temporary reports and reporting materials, as long as they can be done well through the subjective efforts of the department, must spare no effort to do a good job. In terms of assessment, it is also done in a special way: it is completed within the specified time, and three points will be added for each completion of the personnel as an affirmation of their labor;

4. In view of the lessons of Comrade Xiong Zilun at the critical moment, the department established a system of co-ordination posts. That is to say, there are two people in charge of the work of any position in the undergraduate, one is the main post and the other is the deputy post. In the credit field post, the comrades are also the main and deputy posts, and the main customers are changed every six months; in the internal post the plan report and the credit report are the main and deputy posts of each other, and the credit file management is mainly and the deputy post by Wang Yang and me. ”

After saying this, Summer paused for a moment to see everyone's reaction. After a while, he continued:

"Second, a few tips.

First, look at the Hubei branch in a forward-looking manner. Over the past few months, I have scrutinized the credit assets of all branches of the Citizens Bank and have come to the conclusion that we should not be too pessimistic about ourselves, and there is no need to be too envious of other branches. There is an old saying between the lines: 'One and a half catties, one eight taels.' If we do it well, we may have achieved another fact: although we are difficult, we can also be champions. The remaining question is how.

My opinion is:

A, from the perspective of the internal environment, the six months to one year from now is a critical moment for the Hubei branch to change its appearance. The comrades of the whole bank looked at us and looked forward to us. If it is done well, by June next year, the Hubei branch will be able to take a breath. Therefore, the real situation of the current Hubei sub-branch is: difficulties and dawns coexist, and crises and turnarounds coexist.

We know that despite the fact that the bank is quite tight in terms of funds, it still spends 70,000 yuan to increase the floating wages of all comrades in the bank. Since it is a variable salary, it is possible to increase it on average, or it may increase only by a few people who have done a good job. I hope that these tens of thousands of dollars will be added to the people in our program credit section. If that is the case, it will be our honor. ”

After Xia finished speaking, he glanced at Shu Guangrong and asked, "Shu Guangrong, did you say it?"

Shu Guangrong knew that Xia was taking his name, and said again and again: "Yes, yes." ”

Xia continued: "If the transition to June next year is due to everyone's hard work, the deposit of the Hubei branch will increase by 50 million yuan, and the loan stock will also decrease by 50 million yuan. Then, just like Liu Deng's army in the early days of the Liberation War, we achieved the strategic goal of advancing thousands of miles into the Dabie Mountains and took the first step towards victory. Next, like several battles commanded by Su Yu, they will compete in the Central Plains and win seven battles and seven victories. Our days will be better, and at this time, there will be a step-by-step basis.

Comrades, people always like to talk about Napoleon in history after the fact, about Montgomery, MacArthur, Zhukov after success, and about worshipping the chairman and other revolutionaries of the older generation. However, when the chairman was led by a group of bandits called by the Kuomintang in Jinggangshan to hide in the east, Chen Yi stayed in JX Gannan to fight guerrillas after the Red Army's Long March, and was chased by the Kuomintang army to spend the night on the cliffs. In the mid-to-late 70 s, after our country experienced the overall mistake of a 'special period,' the national economy was on the verge of collapse, and the central authorities still led the sons and daughters of China onto the road of prosperity and strength?

The colleagues who attended the meeting were a little excited by the encouragement of the summer.

"Now I will move on to the second problem of our line: B, look at the external environment objectively. To achieve our initial goals, the current favorable conditions are:

(1) The road to the head office is open. After the head office held two workers' congresses and the 'three clean' work conferences, the upper and lower levels are getting closer and closer to the objective reality in terms of ideological understanding, and their thinking is changing positively, and their views on the credit personnel and credit work of the Hubei branch are also changing in a good direction. This is a very favorable condition.

(2) After all, our sub-branch has a lot of mortgaged loans, and it takes six months to rise to the second type of sub-branch.

(3) 30 households with 159.2 million yuan of old loans have been sued, and after entering the auction procedure, there should always be a harvest.

(4) The situation of the branch team, as far as my personal opinion is concerned, you have no worries. There is no such thing as a 'praying mantis catching cicadas'.

Okay, when it comes to favorable conditions, it's like a lot of talking about it, so what do you do next? I'm going to talk about the second major point that I'm going to give you a hint of. 2. Work actively and cherish entrepreneurial opportunities. ”

Summer waited for everyone to take notes before he began to speak: "At the meeting of the head office, President Gudingli said that there are more than 1,000 people waiting to be transferred on his desk, and there are 800 in the personnel department. When the head office set up an international business department, more than 100 undergraduates and comrades with practical work experience in the bank wanted to come in. This also reminds us that we must correctly analyze the sense of crisis of survival in Shenzhen. I would like to share with you two real life stories.

The first story, I have a friend in 1976 as a soldier, in the army hard-working, very pleasing to the chief, three years and five years, mixed with a battalion-level cadre retired from the army and returned to the township, was arranged in a town as the mayor, and then felt that the local work was not exciting, soon quit, came to SZ as a wage earner, in a factory as a security captain, a year later, the captain can not be, in the rented tin house unemployed, and later, to a shopping mall as a salesman of corporate products. You see, he is following a sad life path, he likes new environments, but he is not very adaptable to changing circumstances. There is only one thing that can be appreciated, that is: it can be up and down, and it can function and the people.

The second story happened ten days ago.

A girl named Ou Su'e is 20 years old. She is a candidate from a poor family in a remote mountainous county of GD, and she has advanced to a second-rate college in Guangz for two years, and will graduate from a junior college this year.

Because her family was poor, she went to Shenzhen with 400 yuan to look for an internship unit, and after several setbacks, she found an internship position with no salary in a branch of SZ Telecom Company, and after a month, 400 yuan was gone. The little girl began to get anxious.

One noon more than 10 days ago, she took advantage of the time before going to work to knock on the doors of almost 200 households in six eight-storey multi-storey buildings where my house was located, one by one, and asked if they wanted to hire a tutor. Because I live at the back, when she knocked on my door, it was nearly two o'clock in the afternoon. After listening to her explanation, I saw that the sweat on her face was falling to the tip of her nose and cheeks to the ground, and I saw the desire to survive in her eyes, and the enterprising spirit of a young girl who could not hide her generosity and initiative in her shyness, which made me awe her. I said, 'I don't care about tutoring, so why don't you come back in the evening and talk to my parents?'

When the girl heard me, she thanked me very much, and said to me, 'Sir, you have to help me.' One noon, I've already walked more than a hundred places, and you're the last one. You have chosen me, and you will not be disappointed. ’

I said, 'See you in the evening.'" ’

In the evening, she came as promised, and my family was looking for a responsible after-school tutor to take care of my child, and my wife, that is, my parents, was very satisfied with it, so she asked her to stay and help my son.

At ten o'clock that night, when she was leaving, she blushed and said to my family in a begging tone: 'Auntie, can you lend me 100 yuan first? I didn't say a word, I gave her 100 yuan, and she left my house with more than 10 million thanks, probably for dinner.

After this happened, many associations arose in my heart: the little girl's poor family is certainly worthy of sympathy, but the spirit shown in her is even more worthy of praise. I thought, if each and every one of us is like this little girl, and regards the Citizens Bank as our home and the foundation of our survival, then what difficulties can we have in the Citizens Bank that can stump us?

Speaking of this in the summer, I saw that Li Guolan, Wang Yang and other female comrades were already confused with tears, and their noses were a little red. The male colleagues were also listening quietly.

Xia continued: "I recently had a consideration that the salary of the Planning and Credit Section could be reformed: we will first set a post, whether this post is a post for half a person, or a post for one person, and some posts can be made into temporary posts, or they can be called contract posts, and whoever does it will be paid to whom." When a person takes on the position of 1.5 people, his salary is 1.5 times that of others, and conversely, when a person only does the work of 0.5 people, his salary is 0.5 coefficient of ordinary people. This should be the direction of our assessment. ……”

Speaking of which, the phone rang.

Summer took the phone: "Hey, hello. ”

The caller was Yi Muzi, deputy director of the credit department, who said, "Summer? I've been looking for you for an afternoon, but I can't find you." ”

Summer said: "I am organizing everyone to study and digest the spirit of the meeting of the head office, and I am not in the office. I'm sorry. ”

"In this way," Yi Muzi said, "the loan you reported to the Baodao Industrial (SZ) Development Company to repay the old loan is mortgaged by their land, right? ”

Xia said: "Director Yi, although this enterprise is mortgaged by land, two buildings have been built on this land as the factory and office buildings of this enterprise, and the land and the attachments on the ground should be of sufficient value." In addition, we are considering alleviating the tension between banks and enterprises, and reducing some of the interest burden of enterprises while maintaining the risk of the original loan. ”

Before Xia finished speaking, he only heard Yi Muzi lose his temper and say: "I don't care about reducing the interest burden of enterprises!

Xia said: "Director Yi, I am acting in accordance with the rules of the game set by the head office, analyzing whether there is a problem or possible problem with the old loan, what problems may occur, and reporting to the head office, hoping that the head office will solve it." Why, can't you do this?"

"It's just nonsense. After Yi Muzi finished speaking, he hung up the phone.

Summer dialed back immediately, first Wanzhongyi answered the phone, and Summer said unceremoniously: "Find me Yi Muzi!"

After a while, Yi Muzi took the phone, and Xia asked unhappily: "Comrade Yi Muzi, let me ask you in the name of a party member: Do you feel that you stay in the head office, what kind of superiority do you have or what? We are engaged in credit work in the branch, do you want me to bend down and desperately pat you on the back of the deputy director or what?"

Yi Muzi could see that Xia dialed the phone back, obviously angered, and the words were full of angry tones, obviously turning his face, so he asked coldly: "What do you say?"

Summer said, "Personally, I don't have anything to ask of you. When I engage in this credit work in the Hubei Branch, I am fulfilling a kind of historical responsibility, and as a party member, I am bravely shouldering historical responsibility for the cause of the party and the people. It's not like you, it's none of your business, hang high. And to stay on top of the dung pit decently, and not to. Do you have a responsible attitude toward the cause of the party and the people? You must know that there are party committees above you, above the party committees, and city party committees. There is no problem that cannot be clearly explained between me and you! Even if it is not clear, it can also be resolved by the party organization. Hello for yourself!"

After Xia finished speaking, he also hung up the phone.

Summer, who was full of anger, looked at his subordinates who also had shocked faces and said, "Let's continue the meeting, ignore him!"