"Knock, knock. Pen & Fun & Pavilion www.biquge.info" Han Xiaoniu knocked twice on the door of the summer office, walked in and said to the summer: "Manager, this is the draft of the 98th annual business work conference document of the head office, the president originally asked Director Xu to write it, and after writing it, it was handed over to President Wang to read, and President Wang was not satisfied. Say to me, tell you to write a new one in the name of the branch, and you will have both originals for you. ”

Xia smiled and took the document in Han Xiaoniu's hand, shook her head, and did not speak.

At this time, Han Xiaoniu said, "My errand is over, ah? The president will spank you, huh?" After speaking, she left the summer office.

According to the arrangement, as a staff member in a sensitive position, I will also participate in two activities organized by the city procuratorate in the past few days, one is the "Exhibition of Achievements in the Construction of a Clean Government" held at the city museum, which requires the participation of middle-level and above cadres and all credit officers of the sub-branch; and the other is the "anti-corruption education conference" held in the Shenzhen hall for the presidents and credit section chiefs of the city's banks. During the business work conference of the head office, there is also a special material for the credit profession that must be prepared, which is something that I must pay attention to. In order to do this material well, there are several projects that need to be completed before the pen can be written. In this way, time is a little tight.

Summer laughed at herself: "This is what the countrymen say, learn two more crafts, and be hungry twice." Later, when I thought about it, it was not very appropriate, but it was like a complaint that people said because their superiors were lenient: they received less money and managed more things.

He said to himself, "Hey, let's make do with it!"

It is said that among the old loan households of the Hubei sub-branch, there is a private enterprise called "Wang's Industrial (Shenzhen) Co., Ltd.", and his legal representative is a native of Shantou named Wang Yi. In his early years, Wang Yi slipped to Hong Kong, where there was a shortage of labor at that time, and after a few years, he became a permanent resident of Hong Kong. Because of his lively mind, he has seen many Hong Kong companies invest in the mainland, become foreign-funded companies, enjoy many preferential policies, and start business in a prosperous manner. He immediately set up two companies in Hong Kong without spending any money, one headed by him and the other by his wife. After they came to Shenzhen, in the form of mutual equity participation between the two companies, two joint stock companies were also derived in Shenzhen: one was the "Wang's Industrial (Shenzhen) Co., Ltd.," which was represented by Wang Yi, and it borrowed 3.9 million yuan from the third credit department of the Hubei Financial Service Society; and the other company, represented by Wang Yi's wife Yu Juan, was called the "Shenzhen Wang Yu Investment Development Co., Ltd.," which also loaned 6.5 million yuan to the Hubei Financial Service Society. The two companies borrowed a total of 10.4 million yuan, and the collateral was the same real estate located in Liutang Village, Xin'an Town, Bao'an District. The loan handler is also a certain person.

Wang Yi's company, Li Guolan, reported to Xia Xia two years ago that the person in charge of the company claimed that the official seal of the legal person when applying for the loan was fake. The loans of the two enterprises were judged by the Shenzhen Intermediate People's Court in accordance with the law, and no fraudulent circumstances were found. On the contrary, after the verdict came into effect, Mr. Wang Yi, who was reluctant to come out after a long time, came to the office of the president of the Hubei branch for the first time and coordinated the repayment plan with Wang Xianyao and them.

After coordinating a few back and forth, the two companies sent a repayment plan to the Hubei branch a year ago. The book says:

Repayment plan

Citizen Bank Hubei Branch:

At the beginning of 1995, our company borrowed a total of 10.4 million yuan from your bank in the form of mortgage loans, and the total amount of interest owed as of October 1997 was 4.7 million yuan. In order to cooperate with the bank to do a good job in recovering funds at the end of the year, and starting from the actual capital turnover of the company, our company promises:

1. Repay the interest of 300,000 yuan before December 5 of this year.

2. Pay back the interest of 200,000 yuan before December 30 of this year.

3. After that, repay 150,000 yuan every half month.

Fourth, after the Spring Festival in 98, our company will repay the interest owed as soon as possible under the condition of smooth capital turnover.

Our company guarantees that the funds will be transferred to the account opened by our company in your bank on time, and if our company fails to return the funds to your bank on time, our company is willing to accept the court's ruling. At the same time, our company requires that after the interest is repaid, the asset restructuring will be carried out immediately, and the penalty interest will be changed to normal interest.

Wang's Industrial (Shenzhen) Co., Ltd. (India)

Shenzhen Wangyu Investment Development Co., Ltd

21 November 1997

After the Spring Festival, Mr. Wang Yi really took action, and according to the plan, he sent a check of 1 million yuan yesterday and asked for gradual interest. However, two problems arose before the leaders of the Hubei sub-branch: first, the overdue interest of the two enterprises was accumulated by the bank at a monthly interest rate of 18‰, and the court's judgment required that the overdue interest rate of the People's Bank of China be calculated from the time of overdue; second, there was a sentence in the repayment plan approved by the bank: "...... Our company requires that after the interest is repaid, the asset restructuring will be carried out immediately and the penalty interest will be changed to normal interest. "If one party does not do a good job or is unwilling to do it, it will be difficult to write the following article if one party does not do a good job or is unwilling to do it in the coordination process.

So, this morning, Wang Xianyao called Chen Job, Xia and Tan Feiyan from the sales department to discuss this matter.

In fact, on the issue of interest on old loans, there was a consensus between the two presidents in the summer, whether it is from the perspective of the welfare of the whole bank's employees, or from the perspective of the future explanation to the society, or the face of the two-level team, or in accordance with the law to implement the court's judgment that has taken effect, the interest rate on overdue loans should be reduced. On the other hand, as long as the borrowing enterprise is willing to review the interest in accordance with the judgment, the bank is unlikely to receive interest higher than the judgment.

After Wang Xianyao explained the reason, Chen Jiao and Xia did not speak. At this time, I only heard Tan Feiyan say: "After calculating the interest on the account, I don't agree to withdraw to recalculate." ”

Wang Xianyao did not back down: "The verdicts of the people's courts are clearly written, and if you act in accordance with the law, who can stop them?"

Tan Feiyan said: "Unless you, President Wang, sign it to death, I won't do it!"

After Wang Xianyao heard this, his face suddenly became solemn, and he said unceremoniously: "Tan Feiyan, you are setting a trap for me to drill." You're good to go. ”

At this time, Tan Feiyan's pink face suddenly turned red, stood up, and left in a huff.

After she left, Wang Xianyao said to Xia: "Lao Xia, the suggestion you wrote last time to reduce interest rates, hurry up and form a document and report it." ”

Summer said, "Okay! I'm going to write." ”

Xia returned to his office, while writing documents, thinking about the confrontation between Tan Feiyan and Wang Xianyao just now, and sighed: "The scene can have such an amazing drama, just a year ago, because the head office asked for a lower interest rate, I wrote a notice responsibly in accordance with the opinions of the joint research with the president, and handed it over to the business department of Chen Assignment to adjust the interest. It was also because of Tan Feiyan's opposition behind her back that Chen Jiao and Tan Feiyan quarreled, and President Wang expressed his support for Tan Feiyan at the beginning; Don't say it, sometimes it's really fun between people!" )