At this point in the story, we should return to the fifth chapter of the opening chapter: the municipal government attaches great importance to the opinions of the Shenzhen Special Zone Branch of the People's Bank of China, and decides to vigorously integrate various financial service cooperatives in Shenzhen. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ

To this end, according to the instructions of the municipal government, the Municipal Audit Bureau quickly organized more than 10 audit teams to go to various financial service cooperatives to conduct audits in accordance with unified standards, and it took 20 days to complete the restructuring audit of the city's service cooperatives. It also coordinated with the financial service cooperatives to sit down with the Citizens Bank to accept the audit results and sign the transformation agreement.

Next, the Audit Department of the Citizens Bank organized a working group familiar with the operation system of financial service cooperatives and the operation of internal and external accounts, and toured to various financial service cooperatives to carry out audit work and further find out the bottom line.

The audit team sent by the Citizens Bank to the Hubei Financial Services Society was composed of one business backbone from each of the five financial service cooperatives and five people from the head office. The 10-member team is an expert in various businesses of the financial services cooperative. According to the original intention of the Citizens Bank, their work is a completely different audit from the audit of the Audit Bureau. The former mainly judges the authenticity of the assets of the financial service cooperative, while the latter involves the evaluation of the benefits of the financial service cooperative's internal and external accounts, the evaluation of the problems of the main business personnel, the asset quality evaluation of the financial service cooperative, etc., so it is a more serious audit.

In the planning and credit group, in addition to the members of the audit team, the Planning Department of the People's Bank of China sent Li Hui and the Credit Department sent Zhang Yu as the contact person to keep abreast of the professional audit situation.

It is often said that the layman looks at the liveliness, and the insider looks at the doorway. On the first day of the audit team's work, the parties felt the pressure. After they are grouped, the financial services agency records the internal accounts of the small cash drawer and audits them in the credit planning section. Then, the "List of Loans Withdrawn and Withdrawn," "Treasury-Bonds and Securities Repurchase Table," "Interbank Deposit Table," "Interbank Deposit Table," "Deposit Balance Statement," "Deposit Verification Statement," "Loan Audit Statement," "Deposit Determination Loan Statement," "Interest Receivable Verification Statement," and so on were issued to the responsible persons of the service cooperative's planning department and the three credit departments. When the four departments reported the above-mentioned reports, it was tantamount to blocking their back roads, and they could not change their words in the future. Then, according to the analysis of the internal account income and expenditure spread, the personal character and business quality of the main business backbone are exposed to the public.

In fact, this cannot be blamed on the lax work of the parties, because at that time, the small account of the financial service society was highly confidential to the service society, and even the shareholders and the People's Bank of China could not know about it, and the person who held the small account was also separated from the management system of the business department and belonged to the cronies of the boss. Who would have thought that the financial service cooperatives would be incorporated into the citizens' bank by the city government after more than a year? Who would have thought that they would combine the internal and external accounts together in this way?

What's more, every afternoon, the audit team concentrates on exchanging work information and asks the teams for mutual assistance, so that the results of checking the accounts are even more effective with half the effort. In only six or seven days, the problems of Hubei Financial Services Society's lending, interbank deposits, and absorbing deposits to buy high and sell low surfaced.

Judging from the review of the merger of the small account and the large account of the Hubei Financial Service Society, the loan and import and treasury bond repurchase business that are often made by the third credit department are basically not profitable for the Hubei Financial Service Society. The data shows that in the same period, 151 million yuan was borrowed, 98.5 million yuan was withdrawn, and 50 million yuan was repurchased. In this way, the same amount of funds in and out, after accounting for the loss of more than 2 million yuan, of course, there are different time periods, different capital cost factors to be further analyzed. But sometimes in the service cooperative's funds are very tight during the payment risk concentration period, there are also a lot of loans, and even losses, what is the reason?

As a result, the team leader, Director Wan Wan, decided to organize an outline of the conversation and talk to the main manager, Bu Mou, the manager of the third credit department.

Before the establishment of the Citizen Bank, he worked as a loan officer in a professional bank, but after a few years, he felt that the organization did not attach much importance to himself, so he took advantage of the opportunity of the establishment of the Citizen Bank to transfer to the credit department of the Citizen Bank as a section-level cadre.

The Citizens Bank had just been established, and there was not much to do in the head office, and the director Feng Laodao was worried that the young cadres would be lazy and bad, so he arranged for several of them to hang up and go down to understand the situation. Zhang Yu didn't have much to do when he came to Hubei Financial Services Agency. It just so happens that the loan officer of this service agency has a lot of things, and there are not many people who can chat with him, but there is one exception, that is, two little girls in the planning department, one is named Xiong Zilun and the other is called Yuan Aiping, and they don't have much to do except for a position sheet every day.

Zhang Yu sometimes snoozes at the program credit office. The one named Xiong Zilun came to greet Zhang Yu when he had anything to do, which made him feel a little pity for the jade.

No, Xiong Zilun knocked on Zhang Yu's door again, took a cup of boiled water in his right hand, and said sweetly: "Section Chief Zhang, drink tea." After speaking, Zhang Yu said, "Thank you!" She glanced at Zhang Yu affectionately, twisted her waist and walked out of the house unhurriedly.

Zhang Yu looked at Xiong Zilun's back and said in his heart: "Such a well-behaved girl wants to come out to do things, it's really a trick on people! It is only right that she should be allowed to stay at home." ”

Then, Zhang Yu recalled Xiong Zilun's smiling and sweet language to herself, and her slender arms and slender figure, which really fit the praise of the ancients for beauty:

Thousands of silk lotus lotus delicate wrists, a roll of plantain like a heart.

Thinking about it, he actually felt sorry for himself, took a piece of paper, and wrote down the famous sentence in Liu Yong's "Eight Sounds of Ganzhou":

I want to be a beautiful woman, look at the makeup building, miss a few times, and return to the boat in the sky.

After writing it, he thought about it alone, and felt that it didn't fit his mood when he looked at Miss Xiong Zilun's back. So, he used the artistic conception of current reform, innovative feelings, and surging passion to change Liu Yong's famous sentences.

Don't say that he doesn't measure himself, there is a way to be "poetic and picturesque", poetry is the most affectionate, a good poem does not necessarily have to read many books to make it, the most important thing is to be attentive, emotional, and use your brain. You see that Li Qingzhao wrote a famous sentence of seclusion and resentment, as if she was standing on the dock every day and looking forward to the return of her long-lost husband, but she just didn't see Yiren return every day. Disappointed, he returned home, lit a candle, and wept while writing poems to express his grievances. Over the past few hundred years, how many lovers have been moistened by their noses and eyes?

This Zhang Yu is also because Xiong Zilun has entered his heart, as if he has reached the realm of "impatience and wisdom" as the ancients said, I saw Zhang Yu write:

Look at the back, lean on the table and meditate; dream a few times, hug the beauty.

At first, he looked at the words he changed a little proudly, thinking that he had read a little bit of books, and felt that he had lived up to his parents' original intention of sending him to college with all the hard work. Later, it turned out to be a little too revealing. It's like looking at a young girl: when she's wearing a three-point pose, people look a little bit imaginative, a little hazy and beautiful, but if it's all exposed, there's no room for imagination, and it's even a little disappointing. Zhang Yu said in his heart: "In this sense, many ancient poems and ancient words are really unavailable. Don't believe me? You see how well Nalan Xingde's "Painting Hall Spring" was written in the Qing Dynasty. ”

Zhang Yu couldn't help but hum:

A couple from generation to generation in a lifetime, fighting for two ecstasies.

Lovesick and not blind date, who is the spring for the sky?

It is said that the audit team of the Citizen Bank stayed in June 2, 1995, the traditional folk Dragon Boat Festival, when there was no statutory holiday for this folk festival. However, office workers still regard it as the same year, and going to work is like a dot and a painting, even if they come, they don't have any thoughts on work.

On this day, Zhang Yu was no exception, after coming to the Hubei branch, he found someone to chat, laugh, drink tea and smoke.

At ten o'clock, when he was doing nothing in the office alone, Xiong Zilun, who was quite spiritual, came unexpectedly with a sweet "Section Chief Zhang", Zhang Yu was overjoyed and enthusiastically gave up his seat.

After Xiong Zilun sat down, Zhang Yu said, "Today is the Dragon Boat Festival, Miss Xiong is still busy?"

Xiong Zilun pursed his lips and said, "What's the way, how can it be like you, Lord Zhang's life?

Zhang Yu said emotionally: "You are used to talking! You are so smart, loved by everyone, and still suffer from life?"

Xiong Zilun took the opportunity to say, "I have a ghost to want!" After speaking, his eyes shot a strange light and looked at Zhang Yu.

Zhang Yu glanced at Xiong Zilun, and asked him left and right, "Do you know the origin of the Dragon Boat Festival?"

Xiong Zilun was dissatisfied with the change of topic, and quickly replied: "Isn't it to commemorate the Qu Yuan who threw himself into the river!"

"That's not right!" Zhang Yu corrected in a pedantic tone: "When Qu Yuan was not born, there was already a Dragon Boat Festival in my country. Otherwise, when Qu Yuan threw himself into the Miluo River, what zongzi did people throw into the river?"

Xiong Zilun was very impressed by Zhang Yu's conversation, and praised him sincerely: "You are still very knowledgeable. ”

Zhang Yu said modestly: "I can't talk about profound knowledge, I just like to read a little miscellaneous books." After speaking, he looked directly at Xiong Zilun and said with a smile: "I read a magazine last night, and one of the stories is quite interesting. ”

Xiong Zilun hurriedly said, "What is the story? ”

Zhang Yu laughed twice with "hehe", and then said: "It's the Dragon Boat Festival, there is a young lady who is alone at home, she only wears a bra, and walks around the room without any clothes, causing her pet dog to always follow her while raising her head and looking at her upper body. Seeing this, the young lady said to herself, 'Isn't it just that you don't have any clothes, so do you want to be so emotional?' and then gently slapped the puppy's head with the middle finger of her right hand. The puppy glanced at his master's chest again, and then said, 'Aren't they just two rice dumplings?' Why hang so high that I can't reach it even if I keep my head up!......'

"You ......" Xiong Zilun blushed, glanced at Zhang Yu, who was laughing after speaking, and whispered: "Not serious." ”

Zhang Yu said: "No, I read what was written in the magazine to tell you." ”

Xiong Zilun didn't get angry, but said calmly: "I'll go back first." Bye-bye!"

Zhang Yu, who is quite experienced in dealing with women, looked at Xiong Zilun's back slowly leaving, and said in his heart: "This girl can get started!"

Maybe it's because of Zhang Yu's thought when he stayed in Hubei Financial Services Club these days, he gave birth to a wave of male and female love in the future, a good and dashing man who went south and north, finally just climbed on the captain's swivel chair and sat for a few days, and no one saw him sitting next to this executive desk, and the chair that could be turned didn't turn around, and he lost his social influence and disappeared from nowhere, so that well-meaning people couldn't find the north if they wanted to look at him more. There is a poem as proof:

is born with a stunner and a charming girl, and the back of her first eyes is panicked;

hooked up and hooked up, and the director suddenly became a hanger.