The living conditions of Hubei Financial Services Co., Ltd. are good, and there is a canteen in the society for employees to have two meals in the morning and middle school. In the summer www.biquge.info, I usually go to work at the financial services agency after breakfast at home, and have lunch at the club at noon. After lunch, take a break in the office.

That morning, when he came to the financial services agency in the summer, his colleagues were having breakfast, and he was in the office preparing the content of the conversation with the loan officer, and Ke Shaoji called.

Ke Shaoji said: "Manager Xia, do you recruit loan officers there?"

Xia asked, "Does Manager Ke have any recommendations?"

"A friend recommended a girl named Wang Dan, who is also very smart. Ke Shaoji said.

Summer asked, "Does she have the ability to contact customers, organize deposits?"

"The deposit is easy to solve, I'll help her. Ke Shaoji said.

I still believe what Xia said to Ke Shaoji that he could help Wang Dan. Because Liu Xiaobao once said that Ke Shaoji prefers women's bites. I don't know what the relationship between this Wang Dan and him is.

Summer thought, I want a loan officer, as long as I can develop customers, I can accept them. So, he said to Ke Shaoji: "You can bring it over and try it, but I am very clear here: if you can't complete the task in three months, you will be dismissed." This told her to be mentally prepared. ”

"Of course, it depends on performance, it's the same everywhere. So, I want to bring her over tomorrow?" Ke Shaoji asked.

"Okay, that's it. ”

As soon as she put down the phone in the summer, Wang Hua, who was dressed up in a fancy way, knocked on the door and walked in. Said to Xia: "Manager Xia, can my friend's three real estate certificates be loaned?"

Summer said, "What, your friend really wants to take out a loan?"

"Really!" Wang Hua sat on the sofa with her waist twisted, her eyes shining, and she said with affection: "Why did I lie to you!"

Xia said, "If you really want a loan, tell him to come here today and talk to him?"

Wang Hua said: "I am not free today, I will go to the airport later." Tell him to come over tomorrow!"

"What are you doing at the airport today?" Summer asked curiously.

"Mr. Zhuang asked me to send Mr. Zhang. He's going home. Wang Hua said mysteriously.

"He's only been doing it for a month, why don't you do it?" asked Summer.

Wang Hua said: "It was at 11 o'clock last night that Mr. Zhang proposed to leave. After a pause, Wang Hua said more mysteriously: "Yesterday afternoon, after you had a meeting, I received a call from the People's Bank of China asking Mr. Zhuang to answer, and Mr. Zhuang quarreled with the people of the People's Bank on the phone. I guess something's going on. ”

Summer asked, "What will happen?"

"I don't know. I've got to go! bye-bye. After Wang Hua finished speaking, she twisted her ass and left.

After a while, Xu Donghai came and greeted Xia: "Old Xia, it's early." ”

"Hello!" Summer responded.

In the summer, while sorting out the loan files, I was thinking: The People's Bank of China is not satisfied with the opening of the business for only a month? Where did the problems of our service cooperatives attract the attention of the People's Bank of China? The summer further pondered: "Loans? -- All financial service cooperatives rush between red and yellow lights, and besides, we have just opened for business, and it is not our turn; and the interest rate spread? -- Everyone has a small account, and this is a method of regulating deposits and cash flow. Generally speaking, if a collective financial organization like a financial service cooperative, without this, it would simply say that the quality of service is good, and no deposit would have taken the initiative to come at all. Therefore, it is an open secret to operate in the redline zone. ”

After a while, the phone rang. Xu Donghai answered the phone: "Hello!, Mr. Zhuang, good!" and then told Xia: "Looking for you, Mr. Zhuang." ”

Summer picked up the phone: "Hello Mr. Zhuang!"

Zhuang Yu said: "President Shen of the Industrial and Commercial Bank of China has brought a guest to my office, you can come here." ”

"Okay. Xia put down the phone and explained to Xu Donghai: "My classmate Shen Cunrui came to Mr. Zhuang's office and asked me to take a look. ”

In the summer, he cleaned up a little, locked the loan file back in the iron cabinet, and walked to Zhuang Yu's office.

In Zhuang Yu's office, in addition to Zhuang Yu, sat Shen Cunrui and a middle-aged man. Because Wang Hua went to the airport, Wang Kang was busy taking over Wang Hua's role. Zhuang Yu saw the arrival of summer and introduced: "Your old classmate is here, and he also brought a guest. ”

When this guest heard Zhuang Yu mention him, he also stood up and looked at Summer with both eyes.

At this time, Shen Cunrui said: "Old classmate, I heard Mr. Zhuang say that you have done a good job recently!"

Xia said: "At the beginning, it was Mr. Zhuang who trusted me, so I was more comfortable, but, to tell you the truth, I was quite tired." ”

"How can you not be tired of doing business?" Shen Cunrui said, "Let me introduce to you, this is Chen Shanwei, the general manager of Shenzhen 38 Co., Ltd." I knew him, and it was a comrade from the relevant department of the municipal government who introduced him to the branch, and the branch asked me to receive him and deal with him. ”

Shen Cunrui turned to Chen Shanwei and said, "Mr. Chen, this is my classmate in the summer, who is here to engage in credit." ”

With the greetings of "Hello!" and "Hello!", Chen Shanwei and Xia Xia clasped hands tightly. -- That is, this grip will give birth to a lot of incidents in the future, so that the summer is full of mouths, and I can't explain it clearly, and I can't say it in vain, which is a later story.

After the greetings, everyone sat down.

Zhuang Yu said: "Mr. Chen's company was originally engaged in medicine, and the story of his former chairman Shao Xianniang is being continuously published in Hong Kong newspapers, and I must read every issue." Now after Mr. Chen takes office, he is full of ambition to build a 38 building and become famous all over the world. No, their company's posters and materials are here, you can take a look at them. ”

Summer said, "Okay! I'll read it carefully." I don't have enough days now, and I may have to take it home to study. ”

"There's no hurry. Chen Shanwei said, "When the time comes, call me when you can help me here." ”

At this time, Wang Kang knocked on the door and came in, and said to Zhuang Yu: "Your friend brought a person named Huang Zhonghui to wait in the conference room outside. ”

Zhuang Yu said, "Tell them to wait for a while." ”

Shen and Chen heard that someone was waiting to be seen, and immediately said that they had something to leave. Xia also got up and prepared to leave together, Zhuang Yu said, "Manager Xia, you have to come back to listen to them after you send them off." ”

Summer said, "Good. Immediately sent Shen Cunrui and Chen Shanwei to the elevator, everyone said goodbye, and returned to Zhuang Yu's office in the summer.

Looking at this Huang Zhonghui in summer, he looks a bit like a local, and his cultural level is not high.

As soon as I sat down, I heard Huang Zhonghui say, "I heard that you have a loan here?"

Zhuang Yu and Summer couldn't cry or laugh.

Another person who is known as Zhuang Yu's friend is the contractor who is ready to undertake the decoration project of the Huanglong International Hotel with Huang Zhonghui as the general manager. Maybe the employer asked to bring funds into the market, but he didn't have the funds in hand, so he thought of a way to introduce the loan to the employer, which helped the employer on the one hand, and laid a solid foundation for himself to get the project on the other hand, killing two birds with one stone.

At this time, he said to Zhuang Yu: "He is the general manager Huang Zhonghui I told you yesterday, and he is the general manager of Shenzhen Baoan Huanglong International Hotel. After speaking, he turned his head and introduced to Huang Zhonghui: "This is Zhuang Yu, general manager of Hubei Financial Services Agency. ”

Zhuang Yu then introduced to Huang Zhonghui: "Let me introduce to you: this is the summer of the credit department manager of our service agency. ”

Summer and Huang Zhonghui looked at each other, and they got to know each other.

Huang Zhonghui said: "I recently set up a hotel, aiming for the highest level in Bao'an. The project design plan is all done by experts from South China Institute of Technology, you look at my business license-", at this point, he opened the briefcase, took out a copy of the business license to Zhuang Yu, and then continued: "It is not easy to mark the word 'international' on the license. The instructions are classy. ”

At this time, Zhuang Yu read it and passed a copy of the business license to Summer. In the summer, when he looked at the license, in the column of the legal representative, it was not Huang Zhonghui's name, so he wrote down the doubts in his notebook.

"I used gold for the renovation of this hotel. On the front of the hotel, there is an emperor's hat, and the beads on the top of the hat are made of gold. According to the budget, the main building of the hotel is 15,000 square meters, and it will cost 4,000 to 50 million yuan to complete the decoration. Now, there is still a shortage of 30 million yuan, I can take the hotel's real estate certificate as collateral, according to the preliminary assessment, the market value of the property is more than 70 million yuan. The mortgage is a loan of 30 million, and there is no risk at all. ”

After Huang Zhonghui finished speaking, he took out the "Evaluation Report" of Shenzhen International Real Estate Consulting Company and gave it to Summer.

The benchmark date for the assessment in the summer is: March 29, 1994, which is within the validity period, and the market value is 77.98 million yuan. However, the property right certificate is still the "House Ownership Certificate", indicating that the land price has not been paid, and the name is Huanglong Hotel, and the owner is "All People", which is also a doubt. I also made a record in my notebook in the summer.

Huang Zhonghui saw that Xia did not speak, but wrote something in his notebook, and estimated that he was the key person. He politely asked Summer: "Manager Xia, where is your hometown?"

Summer replied: "It's a local of Guangzhou." ”

"Listen to your accent is Hakka, right?"

"It should be. Summer said with a smile.

Huang Zhonghui said in Bao'an Hakka: "I also speak as a guest." ”

In fact, Huang Zhonghui is a native of Zhanjiang, Guangdong, and has been in the life circle of the Hakka people in Bao'an for a long time, and can speak fluent local Hakka. But listening to his Hakka dialect in the summer is harder than listening to Mandarin.

Summer glanced at Zhuang Yu, which meant that it was clearer on my side. So, Zhuang Yu said to Huang Zhonghui: "Mr. Huang, do you think this is okay: we will do an internal study and then reply to you?"

Huang Zhonghui said: "Okay! I have a suggestion, even if we know each other today, we can be regarded as friends, I will have a treat at the Sunshine Hotel in the evening, invite the two of you to come, you must give me face." ”

Zhuang Yu said politely: "You don't have to spend so much, right?"

"Yes, friends know each other, and everything is in the wine. Yes! That's it. I'll take my leave. After Huang Zhonghui finished speaking, he left Zhuang Yu's office.

Xia said to Zhuang Yu: "This customer has a real estate mortgage, although there is no land premium, but it is still full value, the loan can be considered, the problem is that the loan amount of a single enterprise is a little larger." In addition, there are two questions to be clarified at night: first, who is the legal representative of the hotel? Why not Huang Zhonghui? Second, who is the owner of the property. The nature of the owner stated on the title deed is that of the whole people, but this hotel is a newly established collective joint-stock company. ”

Zhuang Yu said: "You have to take care of this matter." ”