It is said that Xu Donghai, director of the product development department of Hubei Branch, has been reflecting on some things in addition to touring the mountains and rivers, playing mahjong, meeting friends, eating and drinking. For example, on the question www.biquge.info of whether to leave or stay at the Citizen Bank, is it better to go or stay? If you go, where will you go? If you stay, how can you open up the situation?

Between his thoughts, he naturally thought of the discount case of Shenzhen Huanxin Company, which was stopped by the summer, and he said in his heart: "This summer is a brute bull that can't turn around, what does he have to do? The president agreed, and he didn't pass the pass." Otherwise, it is very convenient to stay or leave: stay, there are more than 10 million yuan of savings at the bottom, which is reasonable; let's go, I helped Zhu Chi'er, why don't you get a deputy general manager?"

After thinking about it, he felt that he still had to fight, and the key was to see if there was a chance.

One day, Zeng Xiaoqiang, a poker friend who often played mahjong with him, said to him when playing cards: "Lao Xu, I said that you have been a credit manager for a few years, and I heard that you dare to lend him more than 100 million yuan for a customer. Of course, I didn't know you until I arrived in Sungang, because my brother-in-law's company was right next to your bank's office. Now that you have become a director who can take out loans, can you make my brother and me rich first?"

Xu Donghai joked: "It's not easy to get rich in Shenzhen? The streets are full of gold, and there are a lot of opportunities in the stock market and real estate market, so it depends on whether you want to get rich or not." ”

Zeng Xiaoqiang said: "I'm telling the truth, you just take it as a joke, and it's in vain that our buddies have been playing together for so long." Let me tell you, my brother-in-law rented a floor in the Jinda Building next to your Sungang office, and wanted to build a restaurant, and now the decoration project has invested more than 2 million yuan, and if there is another 1 million or 500,000 yuan, I think it can be opened. ”

When Xu Donghai heard it, the loan amount was not large, and if he could help as a friend, there was nothing. So he said: "The loan amount is not very large, I think so, we have relatively strict control over the guarantee, if there is a mortgage, it is easy to say, in addition, if your brother-in-law's company can come to our bank to settle the deposit, it is easy to say." ”

Zeng Xiaoqiang said: "Didn't my brother-in-law's Shenzhen Daming Industrial Development Company open an account in your office?"

Xu Donghai said: "What's the use of opening an account, it's still empty." In this way, it is also possible to have personal savings from friends, and it is just as safe to deposit them in our bank. Friends don't need to use the money, they are also saved in ICBC, and they are also saved in our place, and they are deposited with us to make a loan for you, which is convenient for everyone. It's just as safe, get one or two million, and I'll take care of the rest!"

Zeng Xiaoqiang said: "Okay, I'll go to implement the real estate certificate and deposit, once you have eyebrows, you will do it for me, don't let it be!"

"A word is a deal!" Xu Donghai said.

However, it was said that after the cash truck of the Hubei branch was lost, Wang Xianyao really regarded it as a major event, and sent Huang Chuanhua to take four or five people to various trailer yards and parking lots in Shenzhen to search and toss for a month, but there was still no news of the cash truck like a mud cow entering the sea. In this way, it is inevitable to report the accident to the head office. On the other hand, the indicators of the whole bank in the first quarter were also unsatisfactory, and the head office was at the bottom of the business briefing.

A few unsatisfactory things lingered in Wang Xianyao's brain, and a few days later, the disease on his head became more serious, manifested in the original three or five attacks a day, each time lasting a shorter time, and now, nearly ten attacks a day, which lasted twice as long as the original. He also wanted to hold an executive meeting, but he always felt that he was running out of energy. In desperation, he came to Chen Job's office, and after chatting with Chen Homework for a while, he made a phone call to Xu Aiqun, the director of the office, and asked her to notify the middle-level cadres: "Each person writes a summary of the 'three stresses and two improvements', which is accepted by Xu Aiqun, and handed it to the bank to read, and then has an executive meeting, and then discusses the work arrangements for the second quarter." ”

In addition, he handed over Chen's homework and said: "Please take care of the things in the industry, it seems that I may not be able to do it well, and I will be hospitalized." Let's see in a few days. ”

Chen took the opportunity to report to Wang Xianyao on the special executive meeting of the Intermediate People's Court held by the Asset Loss Prevention Department. At the end, Chen Jiao said: "By the way, Lao Xia has some views on not taking Anyan Company as the focus of collection but changing it to the Huanglong Hotel, and also raised the problem that the auction money of the Huanglong Hotel property has not been settled. ”

Wang Xianyao knew that it was difficult to change the things that he had opinions about in the summer, and said to Chen Zuo: "It is also said that if such a large real estate is sold, it is also necessary to make a basis to be recorded in the loan file, and we can only get off the stage internally, and I will contact the court to see how the procedures are organized." ”

After chatting for a while, Wang Xianyao said again: "In the afternoon, I went directly to the head office to attend the coordination meeting of the loss prevention department on the loan problem of Shenzhen Jianhua Company. ”

Chen homework said: "Okay! You still have to pay attention to your body, don't hold on reluctantly." ”

Wang Xianyao said: "I am not afraid of a meeting, there is Lao Xia together, and there is a response." ”

After Wang Xianyao returned to his office, he was thinking: "Could it be that Lao Xia is starting to deflat? I can't be motivated by the work of the Citizens Bank anymore? It's not strange to have emotions, but I still need to guide them." Now it's time to see if he has a mental problem. ”

He saw that the time had reached half past eleven, so he took the summer exam, but there was no reply, and he took the exam a second time, but he still did not recover. In this way, the mystery in Wang Xianyao's heart is even greater.

In the afternoon of the same day, Xia and President Wang Xianyao attended the meeting together, and Wang Xianyao did not say anything about the science and technology.

In the president's office the next morning, when Wang, Chen, and Xia talked about the collection work, Wang Xianyao said that the ratio of 55 points between the loss prevention department of the head office and the sub-branch was the assessment of the results of the Jianhua Company's collection at yesterday's meeting: "This ratio is already quite ideal. Lao Xia, you are responsible for writing a request to see how the head office will coordinate the handling of small license plates in April. ”

Summer said, "Okay. ”

Wang Xianyao looked at Xia Xia and said, "I checked you three times yesterday, and you were also busy, didn't you resume the machine?"

Summer said anxiously: "Is there such a thing? My machine hasn't sounded for two days!" After speaking, he took off the machine from his body, and when he saw that it was not displayed, he opened the battery box to take a look, but said embarrassedly: "Ah! There is no power, I'm sorry, I made a mistake." ”

Wong was noncommittal about summer's explanation.

A few days later, Wang Xianyao read a summary of the activities of 'three stresses and two improvements' written by middle-level cadres, and organized and convened an executive meeting, urging everyone to attach great importance to all tasks and indicators as if they were a rice bowl for eating, otherwise they would be sorry for themselves. After this meeting, Wang Xianyao only occasionally came to the branch, and more often went to the hospital to treat his strange neurosis.

When Wang Xianyao was not in the bank, many calls from many departments and offices of the head office called Summer's office, which made Summer feel inexplicable: "Why don't you call President Chen?"

On the morning of that day, after discussing the first phase of the auction plan of Jianhua Company with Xu Haitao of the loss prevention department of the head office on the phone, Huang Wenxing, who had just been transferred from the office of the head office to the planning department, called to learn about the financial situation. The phone went on and on for half an hour. Xia put down the phone and just breathed a sigh of relief, and then, Sun Tao, who he had never met in the institutional reform department of the head office, called again to ask about Wang Xianyao's situation. I don't know the intention of the other party's inquiry, but I can only say that President Wang works very hard, although his health is not good, he still does many things himself.

After this phone call, Summer always felt that something strange had happened recently, and I didn't know what to do.

Tempted by the dream of making a fortune, Xu Donghai's card friend Zeng Xiaoqiang finally contacted his friends after many efforts to take out real estate as collateral, and some friends were willing to transfer the deposits originally deposited in other banks to the Hubei branch. Xu Donghai looked at the copy of the real estate to be mortgaged, it is a unit of the Tongjian Building built by the municipal government in the early years and located on Shennan Middle Road, the location of the real estate is acceptable, but it belongs to the old building, and the market value per square meter is about 4,000 yuan at best, looking at the 200 square meters of the house, you can roughly borrow about 500,000 yuan. So, Xu Donghai said to Zeng Xiaoqiang: "This house is an old building, not very valuable, at the beginning of the calculation, you can only borrow 500,000 yuan, do it or not?"

Zeng Xiaoqiang said: "Can you get a little more and get 800,000?"

Xu Donghai said: "You can apply like this, if you take out a loan of 500,000 yuan, I am more sure." If it is 800,000 yuan to consider, first take a fixed deposit of 1.5 million yuan, and we will start to operate. ”

Zeng Xiaoqiang said: "Please! I said: as much as possible, as much as possible." ”

"It's up to you to say that. Xu Donghai said with a friend's righteousness.

As soon as he went to work the next morning, Xu Donghai reported the company's loan intention to Chen.

After hearing this, Chen Jiao thought: "Recently, our business has been doing less, and our deposits have not increased. It is still necessary to make a difference, and do not let the above have the impression that in the absence of President Wang, not a single branch can operate normally. ”

Thinking of these, he said to Xu Donghai: "Do it!"

Xu Donghai was very happy, he thought about it, he still had to pull Hao Jianguang, the head of the credit department of the head office. So, I asked Hao Jianguang for instructions again. Hao Jianguang, as the head of the department who had just presided over the overall work, had always had a special preference for the respect of his subordinates, and after listening to Xu Donghai's instructions, he felt that the loan of hundreds of thousands of yuan had also been solemnly asked for instructions in advance, although it was a bit of a fuss, but it was still very useful, and he said again and again: "Okay, okay, okay! You can report it, and I will approve it for you." ”

So, Xu Donghai discussed with Zeng Xiaoqiang in this way to improve the loan submission materials.

A few days later, 1.5 million yuan of personal savings deposits were transferred to the Hubei branch and a one-year fixed deposit certificate was issued, and the loan submission materials were also signed by Shu Guangrong and Xu Donghai and sent to Wang Yang, the examination post of the capital and credit department under the jurisdiction of Xia.

Xu Donghai said to Wang Yang: "Xiao Wang, President Chen and Hao Jianguang have agreed to this mortgage, you sign an opinion and give it to Lao Xia." Then, hurry up and send me to the head office. ”

Wang Yang heard Xu Donghai introduce that President Chen and Hao Jianguang of the head office had agreed, so he did a routine review, scored points, and wrote a review opinion agreeing to the loan of 800,000 yuan, which was reported to Xia.

In the summer, when he saw that the borrowing company was Shenzhen Daming Industrial Development Co., Ltd. and the mortgagee was Guangdong Yuehua (Shenzhen) Co., Ltd., he said to Wang Yang: "This mortgage enterprise is a company directly under the province, why is it willing to give the company's office building to a private company as a loan mortgage? There are documents in the province stipulating that the consent of their state-owned asset management department is required!"

Wang Yang said, "Why don't I ask Manager Xu again?"

It turned out that it was during this period that Shenzhen Minmin Bank was judged to be invalid after the lawsuit appealed to the Provincial High Court because of several loan disputes involving the real estate of provincial enterprises as collateral, resulting in the hopelessness of the Minmin Bank's recovery. As a result, the Asset Loss Prevention Department of the head office proposed that all mortgages involving the real estate of state-owned enterprises must be approved by the state-owned assets authority before they can be mortgaged.

Summer hesitated for a few days about the loan and did not sign it. (To be continued.) )