In the summer, in the office, he looked at the medium and long-term loan contract between the former Hubei Financial Services Co., Ltd. and Shenzhen 38 Co., Ltd., which had been supplemented and approved by Wang Xianyao. Pen, fun, pavilion www. biquge。 info

The subject matter of the contract is 40 million yuan, of which 15 million yuan was loaned in July 1995, 5 million yuan in September 95, 10 million yuan in February 96 and 10 million yuan in June 96. The corresponding repayment period of each instalment is one year, that is, it will be fully repaid by June 97.

This is after the takeover of the Citizen Bank, General Manager Zhuang Yu took Xia and Bu must have asked Feng Laodao, director of the credit department, and he personally promised to do it, but it was best to have a deposit commitment, and the next day Chen Jiao took the three section chiefs of the credit department to see the contract signed after the construction of the 38 Building. When the 10 million deposit of 38 Co., Ltd. arrived, the financial service agency did not give it a loan, but made up the interest rate difference of 500,000 yuan in the form of a loan from the business department.

This time, Chen Shanwei brought it up in front of Wang Xianyao again, saying: "The company said that I was not good at handling things, spending money to buy deposits, and the deposits went in, but the loans could not come out, and I did stupid things, which also caused the dissatisfaction of the partners of the building." ”

After Chen Shanwei finished speaking, he took out a piece of eight-page paper full of bills and introduced the hardships of cooperative development to Wang Xianyao.

At that time, Wang Xianyao saw that in the content of this medium- and long-term contract, the time for four loans was set, which might cause a ruffle in the future, and wrote under the outer frame of the contract: "Attached: Each loan is actually loaned and disbursed, and the loan approval procedures will be handled separately." ”

After reading the original contract in the summer, I turned the second page, which was the "Letter of Commitment" written by 38 Co., Ltd. at the request of Director Feng Laodao, which reads:

Letter of Commitment

Citizens Bank & Hubei Financial Services Society (Branch):

Regarding the deposit of 60 million yuan in your company (sub-branch) and the loan of 40 million yuan in installments to our company, our company promises as follows:

1. During the loan period of your company (sub-branch), our company guarantees the balance of the capital position of the loan, the deposit is two years, and the loan is one year.

2. In case of urgent need, if the deposit is due to maturity and needs to be accommodated, our company guarantees to transfer in full deposit to make up for your company's capital position. The loan-to-deposit ratio remains at 70%.

We hereby promise.

Shenzhen 38 Co., Ltd. (India)

19 July 1995

It is said that after Wang Xianyao took office, in order to alleviate the contract dispute with the 38 Co., Ltd., with the verbal consent of the head office, he had already increased the loan of 3.5 million yuan to the company on 2 August in exchange for their continued cooperation. Now, Chen Shanwei has met Wang Xianyao and Chen Jiaojiao again, and the cooperation between banks and enterprises can continue.

The intuitive feeling in the summer is that it is not difficult to ask this company to organize some deposits, and maybe it can help in the future.

On this day, Summer took Wang Fengshou, the CEO of Shenzhen Shunfeng Industry and Trade Group Company, and knocked on the door of Wang Xianyao's office.

Xia said: "President Wang, this is one of our loan customers, the CEO of Shenzhen Shunfeng Industry and Trade Group Company, named Wang Fengshou, has borrowed 4 million yuan from our bank, which is mortgaged by the industrial city next to the Guanlan Golf Course, and the business is still doing well. It should be said that their company was also the first customer who came in from the gate when our service agency officially opened. ”

Wang Fengshou said: "I was the first one to come from the main gate, but the loan was the fourth or fiftieth, and now it proves that our company is okay." ”

Wang Xianyao looked at Wang Fengshou with soft eyes, and said, "Why?"

Wang Fengshou said: "Manager Xia ignores me! He is also a GD person, saying that there are two kinds of people in our hometown, one is the target (shooting) will go to the top, and the other is the liar, who will disappear when he cheats the money. ……”

"Didn't I say that?" Wang Fengshou hadn't finished speaking, when Summer interrupted him.

Wang Xianyao glanced at Xia Xia with a smile, believing that what Wang Fengshou said was true.

"Isn't our loan about to expire? I don't want to make it difficult for everyone, if we want to extend the term, make up the deposit or something, let's discuss it first. Wang Fengshou said.

"That's great, and we like customers who are good at business. Lao Xia, you can discuss the operation method with President Chen and see what he says. ”

"Okay. So, Xia and Wang Fengshou came to Chen's office, and after talking about the topic, Chen proposed a monthly interest rate of 2.2% and a 10-month extension on the condition of a 200,000 interest rate difference. Wang Fengshou agreed.

As soon as he got to work in the morning, Wang Xianyao called Xia to come to his office.

Xia put down the phone and came to see Wang Xianyao immediately with his notebook, and later Chen homework also arrived. The three of them sat down, and Wang Xianyao said: "The credit department has held three meetings again, what is the situation now?"

Summer said: "I have adjusted the customers that everyone has to manage, one is to prevent loan officers from becoming one with the loan customer, and the other is to facilitate the strengthening of the efforts, and now it is moving." I was about to propose to the president that the series of loans of Shenzhen Jianhua Company should not be managed by Li Chaoyang. This company used to make loans with Li Chaoyang's brother's Eighteen Sons Industrial Co., Ltd., and I suggest that Xu Donghai directly manage it. ”

Wang Xianyao said: "Yes, just do it." ”

Xia said: "In addition, GZ China Merchants (Shenzhen) Development Co., Ltd., which is engaged in the bearing steel business that President Chen also knows, is a national enterprise. Recently, I learned that his legal representative, Shao Hua, is in a contracting relationship, and yesterday his accountant Xia Shuwen paid 200,000 yuan in interest. She said to me: 'Mr. Shao's contract period has arrived, and Mr. Shao has to discuss how to deal with the original loan. ’”

Chen Homework said: "Shao Hua of this company is also a liar, how many times he has blown the cowhide, but there is no way to cash it out. ”

At this time, Wang Xianyao looked into Xia's eyes and said, "Speaking of cheating, I talked to Lao Zhuang about things, and he said that he was deceived by three credit managers. Isn't that so, Old Xia?"

Xia also looked at Wang Xianyao and asked rhetorically, "Did Mr. Zhuang really say that?"

Wang Xianyao nodded: "Yes." ”

Xia didn't answer directly, but said: "I have twice visited Nanhua Temple, a famous temple on the basis of which the six ancestors of Huineng became famous. To be honest, I don't have any attainments in Buddhism, and I don't understand what the Six Patriarchs wrote. But the buildings in the temple are very well written, and I copied them twice. There is a guest hall couplet that reads:

The dust is easy to ambush, and the thieves are difficult to prevent, so they are guarded;

The front of the hall is cleaned, the guests and hosts meet, and they are sent to usher.

This couplet is about paying attention to internal protection, in modern terms, maybe it is the meaning of 'three defenses and one protection' you said a few days ago. If Mr. Zhuang can really be deceived by the three managers and be deceived to a mess, he should reflect on himself. ”

After Xia finished speaking, he glanced at Wang Xianyao, and Wang Xianyao obviously wanted Xia to continue.

So, Summer turned a corner and continued: "Zhuang is always a talent cultivated by the highest financial university in our country. At the end of the 70s, when I was studying in Guangzhou, my school and the Provincial People's Bank were divided into two buildings, and there was a flyover in the middle that connected to the People's Bank of China. The classmate who graduated with him and was assigned to work in GD, that is, he himself said, after coming to Shenzhen, Mr. Zhuang still drove him on a motorcycle, and he was already the theoretical authority of the Provincial People's Bank at that time. We listened to his reports sometimes with such a fascination that we really forgot about meal time when we read his financial papers. Now, there are quite a few ministerial-level cadres in his classmates! Think about it, if your classmates are like this, how stupid is President Zhuang?"

Wang Xianyao looked at Summer with suspicion.

Summer went on to say: "Mr. Zhuang can listen to any opinion in times of crisis. Once the crisis eased, he had a very strong personality and basically went his own way. ”

"Ah, by the way, there is another matter," Wang Xianyao said, "The legal department of the head office wants to take advantage of the National Day holiday to take a look at our loan information, and asks us to take the loan file to Guotai Law Firm, and you ask Wang Yang to send it over." ”

Xia said: "Okay, I'll send it over with Wang Yang in the afternoon." Do they only need a third-level file or a first- or second-class valuable document?"

Wang Xianyao said: "As long as the loan approval and the contract are enough. ”

"Good. That is, all the third-level files are taken over. After Xia finished speaking, he looked at Wang Xianyao and said, "Then you look at the matter of GZ Merchants (Shenzhen) Development Co., Ltd., when are you free to make an appointment with them?"

"It's okay to deal with old loans at any time, and we should focus on that now. When the time comes, tell me to discuss it with President Chen. Wang Xianyao replied.

"Well, I think it will be implemented after the National Day holiday. Summer said, "Another question, I'm going to write you a plan." Recently, I made an analysis of the existing loan accounts made by the second department, about 50% of which can be supplemented with deposits, if the old loans of the original financial service cooperatives of the whole bank can be supplemented with deposits by 30% of the customers, then only the old loan households can organize about 200 million deposits for us. However, there is a problem now: A large proportion of the old loan accounts for overdue loans, and we are already collecting their overdue and misappropriating interest in the big account -- that is, the account of the sales department. At present, citizen banks have a tendency to calculate the loan interest rate as high as it can be, as if the calculation is the bank's income. However, after a few years, not only did the interest not be collected, but even the principal was in bad debt. Then, the interest account of the sales department becomes rich on paper. At present, it can't help us solve the problem of payment risk of funds. That's why I said that in the area of old loans, we should make a fuss, and we must do it quickly. If we don't do it now, the daylily will be cold in another year, and no one will want to cooperate with us anymore. ”

After listening to what Xia Xia said, Wang Xianyao said: "Okay! Lao Xia, your idea is very good. You hurry up and make a plan. As long as it is conducive to stability, to keeping the door open and defusing risks, and to creating an atmosphere for Hong Kong's return, it can be put forward and done. I can go to the head office to coordinate and do it as soon as possible after approval. ”

In the afternoon, Xia was about to move the loan file to the car with Wang Yang and send it to Guotai Law Firm, when Xu Aiqun, the person in charge of the office, called: "Manager Xia, let me tell you something, the head office's work plan for the construction of clean government has drawn out the key contact enterprises by drawing lots for the loan households of our bank by computer lottery. The loans you originally made in the second department, and several enterprises were drawn to the linked accounts of the supervision office of the head office, you can remember it. ”

Summer said, "Say it." ”

Xu Aiqun said: "Shenzhen Yuanda Industrial Development Co., Ltd., Shenzhen Today's Home Industry and Trade Co., Ltd., Shenzhen 38 Co., Ltd., Shenzhen Zhaoshida Co., Ltd. ”

Summer said, "Okay, thank you for the briefing. ”

Subsequently, Xia drove with Wang Yang to deliver the loan file to the law firm.

On the way, Summer thought: "It seems that the head office has just begun to screen old employees. It's also a loan file check, and it's a company linked to the supervision office, which is quite lively. The praying mantis catches the cicada, and the yellow finch is behind, so you have to guard against it!"

Then, Xia remembered that a few days ago in Chen's office, in the presence of the three of them, Wang Xianyao seemed to say casually: "A person from China Construction Bank called and said that Chen Shanwei of 38 Company was a liar. ”

There was no squeak at that time in the summer.

"Now it seems that Chen Shanwei and their company are handling loans and attracting deposits, and he can't take the initiative. Because I don't know much about him. "Summer told myself in my heart.

However, it is said that Wang Xianyao casually said that Chen Shanwei was a liar in his conversation with Xia, but in fact, his heart at this time was indeed mixed because he had no bottom: It stands to reason that he should not become the head of a party if he does not understand the banking business, but he just let himself become a leader; Gu Dingli, the president of the head office, agreed to find an assistant in the circle of the head office, but no one was willing to give in; and the appointment of middle-level cadres in the original staff team was too involved to make people feel at ease.

This scene is really:

When Hu Bei was the first chief, he left, and used his hands and feet to plan;

It's like buying meat and putting it in a bamboo basket, hanging high for fear of cats and low fear of dogs.