"Now it seems, Lao Xia," Zhuang Yu said to Xia in his office, "we still have to write a report to the People's Bank of China, like the problem of Huang Zhonghui's company, the more it drags on, the more problematic it becomes, the more passive we are." Pen Fun Pavilion www.biquge.info What do you see?"

"I've been here for a while, so I'll write a report from the perspective of summarizing and rectifying, you can try it. Summer said.

"I drafted one, and you help me change it. After Zhuang Yu finished speaking, he took out a piece of paper from his briefcase and handed it to Summer.

Summer took the piece of paper and saw that it read:

Request for Resumption of Loan Business of the Company

Municipal People's Bank of China's full management office, audit office:

Some time ago, the Municipal People's Bank sent a working group to our company to conduct audit and business guidance. With the help of the working group, our company has actively carried out rectification, corrected some inappropriate practices in the past two months of trial operation, and actively taken measures to effectively eliminate potential credit risks and business risks. At present, our company has increased its consciousness in implementing a series of regulations of the People's Bank of China and standardizing its operations. In the future, we will ensure that we will comply with the regulations and conduct our business in a sound manner.

Because our company has just been in trial operation for two months, as a public enterprise, it was generally difficult to operate in the early stage of trial operation, (and at present, many customers have doubts to varying degrees, and our company has done a lot of work to stabilize customers), and our company has more personnel and larger expenses, and the existing deposits in the People's Bank of China account for 47% of our total deposits amounting to 148 million yuan. As a result, our company has faced a loss situation due to the inversion of the deposit interest rate. In order to quickly eliminate the negative impact of our company on the public and reverse the loss, we sincerely request the Municipal People's Bank of China to resume our loan business to help our company tide over the current difficult period.

Please reply to the above instructions.

Shenzhen Hubei Financial Services Society

29 July 1994

After reading it, Xia said with certainty: "I think the problem has been made clear, but there is a possibility that the comrades of the People's Bank of China who have read the article will think that we have not paid enough attention to our own problems and have downplayed them, so they have not paid attention to our demands." In this case, we will not be able to achieve the purpose of writing the request. My view is still to be written from the perspective of our active rectification. ”

Zhuang Yu saw Xia describe the article he wrote like this, although he felt a little sour in his heart, but he felt a little reasonable, so he simply pushed 625 and said to Xia: "I think you will be the one to do it, or you will write it, and Chen Jiao and I will be responsible for sending the documents to the People's Bank of China." ”

"Okay. Summer smiled and said: "Whether to write or not is a matter of my attitude, and it is my level that you are not satisfied with writing." ”

Zhuang Yu also smiled and said, "I've tried so many times, and I have confidence in you." ”

Xia said: "In addition, the loan mortgage of Jiepeng Company introduced by Chairman Yang is a bit problematic. Originally, we sent the real estate certificate to the Land Bureau, and they received the document and gave us a receipt, which means that it can be done. Later, however, the Municipal Investment Management Company, the competent authority of the mortgagee, intervened with the Land Bureau and requested that the registration be suspended. Now it is difficult for the Land Bureau to ride a tiger, which is a bit obedient to my brother and sister-in-law. Now, the Land Bureau ostensibly wants us to give advice, but in fact it does not mean to do it for us. Do you want to ask Jiepeng Company to find a new collateral?"

"What about your opinion?" Zhuang Yu asked.

Xia said: "The Municipal Investment Management Company, which appears to be a company on the surface, is actually a functional department of the municipal government, and if the hard cap is not able to carry him." Now, it's just that on our side, they're being polite. My opinion is: both hands should be prepared, one is to ask Jiepeng Company to find a collateral replacement as soon as possible, and the other is not to return the collateral immediately. Do you agree?"

"Yes. Zhuang Yu said.

When I returned to the office in the summer, I wrote the document to be submitted to the People's Bank:

Instructions on the rectification of our company and the resumption of normal loan business

Municipal People's Bank:

In mid-June, the audit team of the Municipal People's Bank of China conducted a comprehensive audit of the situation of our company in the past two months, and found that there are mainly the following problems in the operation of our company: (l) In terms of deposits, the company has absorbed deposits beyond the scope, including 61 current accounts with a balance of 4.1025 million yuan, and 10 regular accounts with a balance of 137.225 million yuan. (2) Loans: a. 7 loans exceeding the scope of loans, 35.7 million yuan, accounting for 20% of the loan balance; b. 5 loans in violation of the regulations of the People's Bank of China that loans to a single collective enterprise legal person shall not exceed 30% of the total capital, with an amount of 159.5 million yuan; C. Violation of the stipulation that the total amount of loans to shareholders shall not exceed 100% of the total capital, with a loan balance of 92.5 million yuan, exceeding the total capital by 414%, ;d the loan mortgage procedures are incomplete, some of the collateral is not true, and the loan information file is not sound. (3) Accounting is chaotic, and accounting is not carried out in accordance with the accounting and financial system.

The whole company actively cooperated with the inspection of the audit team, and during the audit period, reported to the People's Bank of China the "Report on the Self-inspection and Rectification Measures of Shenzhen Hubei Financial Service Society", and immediately took measures to make corrections while investigating. After the "Confirmation of Audit Problems" was delivered, the leaders of the company organized the relevant personnel to check each item one by one, and clearly required all departments to immediately correct the mistakes in the previous paragraph, and second, to ensure that similar mistakes would not be repeated in the future. After a month of rectification, we believe that the situation is relatively good, and now report the rectification situation as follows:

1. Measures taken in the rectification work

1. Improve the system, enrich the leadership, and straighten out the management system.

In summarizing the root causes of the problems in the previous work, our company realized that the system was lagging behind, the management work could not keep up, and the rights and responsibilities were not implemented. To this end, we have taken the following measures: (l) By July 10, we have improved the rules and regulations, post responsibility system and operating procedures of each department, and submitted them to the board of directors of our company. Organize all employees to discuss and learn, so that there are laws to follow, rules to follow, and violations must be investigated. (2) Strengthen leadership and strengthen the management system. We sincerely accept the decision of the People's Bank of China to strengthen the leadership of our company, and welcome Comrade Chen Jiao to serve as the deputy general manager of our company and take charge of the work of the business department. At present, under his specific organization, the sales department has gradually been on the right track. (3) Strengthened the management function of the credit department, straightened out the relationship between departments, and implemented the three-level examination and approval system.

2. Conscientiously implement the Ministry of Finance's "Financial System for Financial and Insurance Enterprises" and standardize accounting and settlement management.

Under the specific organization and implementation of the work of the sales department, the work of the sales department has taken a gratifying first step. First of all, our company carried out personnel adjustments, and in mid-July, we published an advertisement in the "Shenzhen Special Zone Daily" to recruit some high-quality accounting professionals, and on the basis of the audit team helping our company sort out its accounts, we improved the setting up of the comprehensive account and the monitoring mechanism of the total score. Second, we have corrected some irregularities in the process of opening an account in the previous period, and persistently handled the procedures for opening accounts and depositing deposits in accordance with the conditions set by the People's Bank of China. Third, resolutely correct the phenomenon of inconsistent detailed accounting and comprehensive accounting caused by not insisting on checking the total score in the previous paragraph, insist on playing "four flats" every day, and compile daily meters. Fourth, it is necessary to do a good job in checking internal and external accounts, prevent collusion of accounts, and correct possible business errors, so as to safeguard the credibility of the "three railways" of financial enterprises.

3. Face up to the problem of loans, and quickly take practical and effective measures to minimize potential credit risks and business risks.

The problems in our company's loans confirmed in the "Confirmation of Audit Issues" are objective and real. With the help of the audit team, our company has indeed realized that in order to ensure the continued operation of a financial enterprise, it is necessary to take positive and effective measures to fundamentally eliminate credit risks and operational risks. The People's Bank of China has indeed taken a responsible attitude towards our society and helped us correct our mistakes. The management team of our company also proceeds from the sense of responsibility for the safety of shareholders and depositors in terms of thought and action, and attaches great importance to the risk management and capital security of loans. The relevant issues of the loan are reported as follows:

As mentioned in our company's many reports, our company's loans to the Shore Tail Economic Development Company and Anyan Automobile City Co., Ltd., which are preparing for the construction of the Anyan Automobile City project, were due to our participation in the demonstration meeting of the municipal government department for the project, and the municipal government department held two demonstration meetings, the first of which was on June 3, 1993. The second time was on June 28, and the meeting was attended by the responsible person and several directors of the Economic Development Bureau, Zhu Chi'er of the Anyan Automobile City Company, and two directors of an automobile manufacturing plant of the Ministry of Aerospace Industry. Demonstrate the feasibility of the production license and technology issued by the manufacturer, and the feasibility of cooperating in the production of automobiles in Shenzhen with the factory and funds. After demonstration, the municipal competent department finally said: the automobile industry to become a pillar industry in Shenzhen, leading industry, we very welcome, fully support this project, hope to start as soon as possible. Encouraged by the positive conclusions of the two demonstration meetings, we hope that the above-mentioned two companies may bring a large amount of funds back to the business situation of automobiles, air conditioners, color TVs and other trades while preparing for the establishment and operation of the company, and that the company needs the support of some key customers in the early stage of the trial business of the financial service society, and the company also made it clear that it will select our company as the main channel for settlement, and propose to help our company organize some deposits when possible. Therefore, from the end of April to the beginning of the sixth term, they helped our company organize a fixed deposit of 77 million yuan (for details, please see the attachment "Report on the Issues Concerning the Loan of Our Society to Anyan Automobile City Co., Ltd.").

It is true that the above-mentioned objective environment cannot be used as an excuse for us to violate the relevant provisions of the People's Bank of China on the "Interim Regulations on the Management of Collective Financial Enterprises in the Shenzhen Special Economic Zone" and the "Implementation Measures for Asset Risk Management of Shenzhen Financial Service Cooperatives." In order to correct our own erroneous practices, we have taken the following measures in the past month: (1) During the audit period, we completed the registration procedures for real estate mortgages on 5 July for five loans of 46.5 million yuan to Anyan Auto City. (2) Among the 89 million yuan loan of the Kishio Company, the mortgage procedures for the loan of 10 million yuan pledged by the one-year fixed deposit certificate of 10 million yuan have been completed; the mortgage procedures for the loan of 20 million yuan pledged by 78 commercial cars (with a current value of 20 million yuan) have been completed, and the repayment of the proceeds for each car sold by our company has been supervised by our company for early repayment; and a triple-A enterprise provided by the Kishio Economic Development Company has been completed. Jin Kaige Development Co., Ltd. guaranteed the guarantee procedures for the loan of 59 million yuan, and urged the Kishio Company to formulate a prepayment plan. (3) A post-loan review was conducted on all loans. In particular, he made a comprehensive analysis of the whereabouts of the loans of Kishio and Anyan Automobile City companies, and made sure that he knew it well. (4) It has improved the information and file procedures of the loans that have been handled, and implemented the three-level approval system and work responsibility system by strengthening the credit management work, implemented the risk management measures, and improved the understanding of loan risk diversification.

We believe that our attitude towards the elimination of credit risk is positive and the measures are more effective. The lessons of the past have become a reference for us to do a good job in credit work in the future. Through the help of the People's Bank of China and our active rectification, it has also played a role in making up for the dead.

II. Our Suggestions and Requests

On the one hand, the problems that arose in the trial operation of our company have added a lot of trouble to the Municipal People's Bank of China, which is the competent financial authority in Shenzhen, and we have concentrated our backbone forces to help us rectify and improve, and we sincerely express our gratitude. On the other hand, due to our mistakes, it has also brought a certain negative impact on our society and social public opinion. In order to restore the image of financial enterprises in the public, we have to spend more energy and greater enthusiasm than the original in order to stabilize customers and open up the normal work situation, which is very difficult for our company that has been in trial operation for less than three months, which is manifested in: (1) The development of demand deposit accounts has been at a standstill in recent times, and the two small enterprises are worried that the normal business will be affected and are not willing to come to our company to handle business, so the counter is still relatively cold. (2) Some time ago, due to the eagerness of our company to expand the scale of deposits, the deposits were all about one year of fixed deposits, according to statistics, fixed deposits accounted for 88% of the total deposits. At present, the loan business has been stopped, and the deposits deposited by our company in the People's Bank of China have accounted for 47% of the total deposits, reaching 148 million yuan, so that the monthly interest expense of the inverted interest rate will reach 220,000 yuan, and the monthly cost of the whole company will be 480,000 yuan, and the above-mentioned expenses will offset the net income and expenditure of deposit and loan interest, and the monthly loss will be about 500,000 yuan. This is something that our company can hardly bear at the moment.

In view of the current practical difficulties and rectification situation of our company, we suggest and request the People's Bank of China to give our company an opportunity to improve in the rectification, and support and help our company to solve the difficult situation in operation, the specific request is:

1. Distinguish the issues related to the loan of our company to Anyan Automobile City Co., Ltd. and Zhu Chier, the person in charge of the company, and deal with them separately. During the trial period, our company violated the relevant regulations of the People's Bank of China because of its eagerness to increase the scale of deposits and loans, and we sincerely accepted criticism, learned lessons, and were willing to accept the punishment of the People's Bank of China. At the same time, it should be pointed out that we met Zhu Chi'er at the demonstration meeting of the competent department of the city government, and we do not know anything about his past. He should be held accountable for what he has done.

2. In view of the current difficulties faced by our company in operation, in order to quickly eliminate the negative impact caused by the public and reverse the situation of operating losses, we sincerely request the People's Bank of China to agree to our company's loan business as appropriate, so as to help us tide over the current difficult period.

Generally speaking, under the leadership of the People's Bank of China, our company is confident that under the leadership of the People's Bank of China, we will unite all the staff of the company and make concerted efforts to strengthen management and run our company well.

Please reply to the above instructions.

Attached: A report on issues related to the loan of our company to Anyan Automobile City Co., Ltd.

Shenzhen Hubei Financial Services Society

30 July 1994

"Vice President Chen, we will see you at the People's Bank of China today. According to your opinion, how many offices should we go to?" Zhuang Yu said at the meeting of the management team.

Chen Jiao said: "The Financial Management Office is in charge of us, and Director Wu Qing wants to find it; the Audit Office has just come here, and what is going on, we should report to him, and the leaders of the bank can find two: Ma Yinglong and Li Qing, don't go to the president, so as not to be embarrassed." ”

"I think it's okay," Zhuang Yu said, "we will bring four reports, and we will give one copy to each department so that we can take care of it, and those who give it to the leaders of the bank will look at it." In case you can't give it, first, Vice President Chen, you will give it privately, and second, you will send the confidential room to receive the document and report it, so that the president can read it. In short, for the sake of the future of the service agency, we are determined to win this time. ”

After discussing the opinions, Zhuang Yu, Qin Xianhong, and Chen Jiaojiao sat in a car together, driven by Zhong Meichang, and drove to the Municipal People's Bank with confidence.

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