The next day, when I came to work at Hubei Financial Services Co., Ltd. in the summer, my colleagues, including Zhuang Yu, were still coming to have breakfast. Pen ~ fun ~ Pavilion www.biquge.info sat down in the office in the summer, took out the diary, and made up yesterday's diary.

He wrote: "It was tiring to meet with nine clients all day today. Frankly speaking, I am a physically energetic person, since graduating from high school, whether it is working or working in the countryside, or studying in school and years in the bank, I have only been worried and worried about opening up the work situation, and I have never felt so tired in the job I am qualified for as I am today. ……”

At this time, Zhuang Yu's mobile phone, who was eating breakfast in the next office, rang, Zhuang Yu put down his rice bowl, picked up his mobile phone and pressed the intercom button, and said, "Ah, yes." You say, Mr. Cai, I'm listening. ”

Zhuang Yu listened for a while, and then said: "There is no such thing on my side, the loan needs us to investigate, and there is no prerequisite for the loan." What you just said, I will understand clearly. ”

Zhuang Yu put down the phone, his face was slightly red, and he hastily finished breakfast. Subsequently, he told Qin Xianhong and said: "Mr. Qin, you inform the department manager and Huang Lin and Wu Dongmei of the sales department to go to the conference room for a meeting at half past nine." ”

Then, he went to the administrative office to find Wu Dongzhi and said to him: "In fifteen minutes, you can come to my office for a while." ”

Wu Dongzhi thought that Tairong's loan had an eyebrow, and happily responded: "Okay." ”

Then, Zhuang Yu walked towards his office with hurried steps, followed by Wang Hua, a secretary in high heels, Wang Hua couldn't keep up with Zhuang Yu's pace several times, so she had her hands on her waist and barely kept up with her trotting.

Wang Hua walked into the office, turned on the air conditioner for Zhuang Yu, wiped the table, and poured boiled water. As soon as he sat down in his reception room, Wu Dongzhi came in and said, "Sister Hua, good morning!"

Wang Hua glanced at Wu Dongzhi and said, "Mr. Zhuang is inside." ”

Wu Dongzhi carefully knocked on the door twice and whispered, "Mr. Zhuang, I am Wu Dongzhi." ”

Zhuang Yu said lukewarmly: "Come in!"

Wu Dongzhi opened the door and then closed it. Then he walked to Zhuang Yu and stood opposite. While Zhuang Yu was writing his speech, he asked, "What did you always say to Cai of Tairong Company? You said that you would be guaranteed to get a loan?"

Wu Dongzhi blushed and said, "That's not what I said. I mean, General Manager Zhuang Yu is very easy-going. ……”

Zhuang Yu said: "It's a good thing that you have customers who introduce us to us, but we have to make a judgment on whether you can take out a loan. ”

"I'm not contracted. Wu Dongzhi explained.

"What's the matter with your referral fee?" Zhuang Yu asked.

"No wow!"

"No, I've been called. Let me tell you: first, the 50,000 yuan you received has something to do with the loan, which is bribery and a crime; second, I have made a judgment with Xia Xia about this loan, and I am not sure that it will be completed at present. In this case, he will give you money to spend for nothing? So, you should send him the money back as soon as possible, so that he will not have to go to the public security bureau to report the crime. Third, as long as you are in the service agency for one day, you are not allowed to engage in this kind of loan business. ”

Wu Dongzhi blushed and resigned.

At this time, the reception room in front of Zhuang Yu's office was crowded with people waiting for a meeting, and they didn't dare to open the door when they heard Zhuang Yu's voice inside. It wasn't until Qin Xianhong arrived that he opened Zhuang Yu's door and asked, "Mr. Zhuang, is the meeting held outside or inside?"

Zhuang Yu said: "Let's open it outside first." After speaking, he asked Wu Dongzhi to go to Tairong Company to deal with the aftermath.

The people attending the meeting saw that Zhuang Yu was really angry, so they didn't squeak and waited quietly for the meeting to start.

After a while, Zhuang Yu came out of his office and sat down on the main seat of the oval conference table.

Qin Xianhong presided over the meeting and made an opening remark, saying: "Today's meeting is held to discuss personnel matters, and second, the current situation is urgent, and the issue of taking out more loans is being studied. Third, now that the rainy season has arrived, safety and security work should be strengthened. Now I would like to invite Mr. Zhuang to speak. ”

Zhuang Yu said: "At our last meeting, we said that the credit department should get a good grasp of its work, and if it doesn't work, it will have to be replaced. Now, let's talk about the personnel issues of the whole company. First of all, Zhang Jingjing, a teacher from the sales department, left, and Huang Lin and Wu Dongmei were appointed as first-level business supervisors to jointly preside over the work of the sales department; the planning department had Yuan Aiping and Xiong Zilun, Xiao Yuan was responsible for the cash plan, and Xiao Xiong was responsible for the credit plan. I would like to point out that the work of the Planning Department is inseparable from the support of the Credit Department, so the comrades who are engaged in the planning should coordinate more with the credit manager. Since Ye Lao has left, under normal circumstances, you can contact Manager Xia more in business. A confidential officer named Han Xiaoniu was added to the office, who was responsible for sending and receiving documents, file management, and typing. After this purge of the three credit departments, each department maintained three loan officers. The first part has Li Chaoyang, Wang Yang, and Dai Nan, the second part has Ou Zhongzhong, Liu Aihua, and Wang Dan, and the third part has Li Guolan, Shu Guangrong, and Chen Li. In addition, Liu Yinggui is also responsible for the file management of the three credit departments as a member of the credit department. With regard to the personnel of the credit department, I would like to emphasize two points: First, if there is no way to fulfill the deposit task at the end of the probationary period, we will not support idlers and will dismiss them all; second, the credit personnel must ensure that they are honest and honest and cannot use loans to seek other benefits. Credit managers should lead by example. ”

Xia noticed that in terms of personnel arrangements, Zhuang Yu did not appoint Ye Lao as the general manager of credit after Ye Lao left, as Chen Shiqing said. However, he has no complaints, because from a responsible point of view, the general manager of credit in a financial service agency is a chore that worries about buying and selling, and outsiders only know that they eat fragrant and spicy food, and do not know the dilemma of sometimes being a grandson and worshipping God. Instead, Summer thinks that there are three parallel managers who are more comfortable with advancing and retreating and properly expressing their own value.

After Zhuang Yu finished the first question, he took a sip of water and continued: "Now let's talk about the second question. ”

After speaking, he took out the plan statement and said while reading: "We now have a deposit of 250 million, and the loan is only 150 million, if in a few days, we repay the loan of Anyan Auto City Company by 30 million, then there will only be a loan of 100 million." We have so many deposits to pay interest, and the loan that can earn interest is only 100 million, so we will lose money. Then, we have no way to explain to our shareholders, and our jobs will be gone. Therefore, this is a major event for the whole company in the past few days, and everyone must find out the large loan households that can absorb a large amount of money for the service cooperatives to choose loans. ”

After Zhuang Yu finished speaking, he looked at the three credit managers and said, "How many customers do you have in the three credit departments who have loan intentions? Come one by one, one Xu Donghai said first. ”

With Zhuang Yu ordering the general, Xu Donghai was caught off guard and had no mental preparation. When everyone focused on him, he knew that the bad dish was over. But he was still in a panic, hurriedly took out his notebook, and said: "I am more sure that there is a company called Today's Geely Co., Ltd., whose legal representative is called Wang Laoji, and wants to borrow 10 million yuan, I read his information, he wants to use the land of 4090 square meters of land to be built next to Qilin Road in Nanshan to mortgage the land of Geely Building, and its appraisal price is 18 million yuan, and my conservative idea is to borrow 6 million yuan." There are a few other companies that are talking, but they may not be able to get it in a few days. ”

Zhuang Yu said: "Then, the credit department will pay close attention to the loan of today's Geely Company. Manager Xia of the second department said. ”

Summer said, "I can probably find a few of them in the second department. The first is the loan of Bao'an Huanglong International Hotel, and his loan amount is 30 million yuan. However, these people are better than monkeys, and when they saw that we were interested in giving him a loan, they said that the down payment should not be so much, and the collateral was worth it. Now the question: first, can you persuade him to ask for more in the first installment, and second, to take a look at his hotel and legal representative on the spot. ”

At this time, Zhuang Yu interjected and said, "In the afternoon, let's go and settle the matter." ”

Xia waited for Zhuang Yu to finish speaking, and continued: "There is another customer who has a relationship with the responsible comrades of the relevant government departments, that is, Shenzhen 38 Co., Ltd., which was originally mainly engaged in medicine and comprehensive operation. Now I have a bit of a family background and want to build a building in Nanshanwo, Shenzhen. Their idea is to cooperate for a long time, and there will be a return of money in the future, and the loan mortgage procedures will be handled at one time. It is also said that the loan procedures can be handled for 30 million, but recently it is only 15 million yuan, and among the 15 million yuan, it is enough to borrow 8 million yuan first, and the rest will be given when needed. This company also has a point of view, that is, the ability to accept interest rates is not high, emphasizing that it cannot be more than two or three, so we are now two and five, and I have taken him several times, but I have not recovered my chance. ”

Zhuang Yu said: "You can come to me to talk directly." Anything else?"

"There is another thing to consider," Xia said, "that is, the Shenshan Chemical Company, which has completed the mortgage procedures, can make another 5 million loans by transferring the mortgage, which is the fastest way." ”

Zhuang Yu said: "His industrial city is ready-made and can be considered. ”

"I see almost," Xia said: "There is another company introduced by Chairman Yang, because the Cultural Building project has made a loan, and now it has issued 8 million yuan, but the mortgage procedures have not been taken back so far, if it is taken back, it can increase the loan by 7 million." ”

Zhuang Yu said: "Okay, let's talk about it." ”

Bu Bi, the manager of the third credit department, blushed and said: "The third department has recently talked to several loan households, just like Manager Xia said, they all said that our interest rate is high, and the negotiation has not been completed. ”

At this time, Qin Xianhong said to Zhuang Yu: "I have a customer, and I will take Manager Bu to find out in the afternoon." This customer is a local enterprise in Bao'an, called Shenzhen Bao'an Special Commodity Sales Company, which has a real estate mortgage, which should be good. You may want to take out a loan of $5 million. ”

"Okay, Mr. Qin will take Bu to Bao'an in the afternoon. Zhuang Yu said, "We should do things like today, one by one, not just talk." After this meeting, the three credit managers should stay for a small meeting. ”

After a pause, he said again: "Manager Chen will talk about safety and security." ”

Chen Shiqing said like this.

After Chen Shiqing finished speaking, Zhuang Yu said: "The morning meeting will be held here, and I hope everyone will implement it." ”

At this time, Qin Xianhong said to Zhuang Yu: "Next, let's go inside, right?"

Zhuang Yu said, "Okay, go inside." ”

So, Zhuang Yu, Qin Xianhong, Chen Shiqing and the three credit department managers went to Zhuang Yu's office and held a meeting behind closed doors.

Zhuang Yu said: "We here, since we came to Hubei Financial Services Agency, it can be said that the interests are linked. Now, I would like to tell you without reservation that the fact that we had just met and proposed to increase the loan was a contingency measure of our service agency under special circumstances. Why? As you know, we supported an automobile industrial city, which would have been a good thing. However, Zhu is always a lively person, and he has made too much noise in Guangzhou, and now he is being targeted by the People's Bank of China. Yesterday I also went to the People's Bank of China, and they kindly asked us to deal with the problems of the Anyan Company and not drag them down. I contacted Xiao Gong of Anyan Company, and now I can find a few customers and disperse the loan of Anyan Automobile City Company, and it will be fine. Wait for the limelight to pass and then recover. ”

Xia said: "There are two problems with this: First, the company we found has not received the money, and what if the fake becomes true in the future? Second, although there is a new loan contract, it is useless to remember the Anyan company in the accounts of the service cooperative. If so, okay?"

Zhuang Yu replied: "The first problem you mentioned has been solved, and Mr. Zhu has given a letter of commitment to every customer who is willing to help, indicating that it is a contingency measure, not a real loan." The word is based on it. The second question is, do you see what is the best way? Or find the customer first, and then we will discuss, so as to save time. Can you see it?"

The people who attended the meeting had never encountered anything like this, all of them were when you look at me, I look at you, and there is no squeak.

At this time, Zhuang Yu was a little angry and said: "You three credit managers should attach great importance to this matter as a matter of one heart and one mind with the financial service community, and you can't be sloppy." ”

"I'm willing to look for a customer," Bu must have said, "but if he has helped us today, can we tell him that we can also help him in the future?"

Zhuang Yu glanced at Qin Xianhong and Chen Shiqing, and said, "I think it's okay." ”