In the Asset Loss Prevention Department of the head office of the People's Bank, recently, there have been a lot of things that have tormented Yi Muzi's body and mind. www.biquge.info He has always wanted to take some of the loan clearers of the branches to the loss prevention department of the head office, but when he encountered the stubborn resistance and negative treatment of the branches, he either spoke sweetly and did not see action, or he sent a group of dead households like Shenzhen Wuhu Sihai Trade Co., Ltd. who would not bleed if cut down, which made you cry and laugh. Recently, there was one thing that made him even more restless: from the reports from various banks, he saw that the 27 million yuan of Shenzhen Xiongying Industry and Trade Co., Ltd., a new loan issued by the Hubei branch after the takeover of the Citizen Bank, was included in the implementation statement of the loan in accordance with the law. However, the company's loan guarantee is pledged by a certificate of deposit, and it stands to reason that if the loan is not repaid when it expires, it can be immediately submitted for execution of the deposit for repayment! Later, after careful questioning, I learned that something had happened: I was suspected of fraud, and I heard that the newspaper had even published news that Wang Feng, the legal representative of the pledgee, was a "lawbreaker."

Yi Muzi thought: "Did I sign the opinion at the beginning? How did I write it? How did others write it?"

The series of question marks really made him feel like he was on pins and needles.

It happened that this morning, after processing the real estate auction money of Guiz China Merchants (Shenzhen) Development Co., Ltd., Xia contacted Yi Muzi according to the request of the president. After calling him in the summer, he asked him: "Director Yi: Our bank has successfully mediated the difficult loans of Anyan and Kishio companies, and we are also going to write a report to report to the head office." Now I would like to ask you: is the opinion of the loss prevention department that it is better to bid for tenders, or is it more appropriate to pay a litigation agency fee?"

Yi Muzi vented his dissatisfaction and said: "You don't contact the loss prevention department of the head office in advance for such a big thing. Just like the case of your Z Merchants (Shenzhen) Company, the loan of a state-owned enterprise was judged to be invalid, and the contract was not told to us. ”

Summer explained: "Director Yi may have misunderstood. When Guiz Merchants (Shenzhen) Company was judged to be invalid in the contract, the head office had not yet established a loss prevention department. At that time, we reported it to the Legal Department. ”

Yi Muzi said: "On the issue of the bidding of the Anyan Company and the Kishio Company, you write a thing, I will talk about it after reading it." ”

After talking to Yi Muzi on the phone in the summer, he immediately reported Yi Muzi's attitude to President Wang Xianyao. After Wang Xianyao heard this, he knew that Yi Muzi was suffering from heart disease again. With rare perseverance, he kept his mouth shut, and it took a long time for a few words to come out of his mouth: "Ignore him! ”

After a while, Wang Xianyao regained his usual gentle demeanor and said to Xia: "It's almost the end of the year, and the branch has set up a personnel assessment team. You also need to pay attention to adjusting the emotions of your employees. If Corey wants to carry out an event, the cost will be paid by the branch. ”

Summer said, "Thank you President for your concern. It seems that it is basically passable. ”

Wang Xianyao told Xia: "The planning and credit department itself is more complicated. And your characteristics are, first, serious, second, what you say in a hurry, which is more difficult for the other party to accept, and third, more persistent. Therefore, it is still necessary to moderate the atmosphere appropriately. ”

Summer nodded and said, "Okay." ”

The next morning, Yi Muzi took Chen Yun and Xu Haitao to the Hubei branch and found a reason: "Check the new loan business problems after the establishment of the Citizens Bank." ”

They asked for the loan files of Shenzhen Xiongying Industry and Trade Co., Ltd., Shenzhen 38 Co., Ltd., and Shenzhen Shekou Sea and Land Transportation Trading Company.

In the summer, he paid attention to the demeanor of Na Yi Muzi checking the file, and completely focused on the loan approval form of Shenzhen Xiongying Industry and Trade Co., Ltd., and made some records in his notebook from time to time. I know how they came from.

More than half an hour later, Yi Muzi and his entourage left the Hubei branch.

The two documents written by the two presidents of the Hubei sub-branch, one is the "Report on the Effective Mediation of the Loan Contract of Shenzhen Bao'an Anwei Economic Development Company and the Reduction of the Asset Loss of Our Bank of Nearly 100 Million Yuan", and the other is the "Request for Instructions on the Payment of Lawyer's Agency Fees".

Wang Xianyao and Chen Jiao were in the president's office, watching and discussing, somewhat dissatisfied.

The article reads:

Regarding the reply to the Request for Instructions on the Payment of Lawyer's Agency Fees (1997) No. 049 of the Hubei Sub-branch

Hubei Branch:

Your bank Shen Shi Yinhu Zi (1997) No. 049 "Instructions on Paying Lawyer's Agency Fees" has been received, and after the study of the relevant departments of the head office, the reply is hereby approved as follows, please follow it:

1. Agree to pay a litigation agency fee of 442,000 yuan.

2. According to the relevant regulations of our bank: in principle, our bank does not invite lawyers. In the future, if you invite a lawyer to represent you in a lawsuit, you must first report to the legal office of the head office for approval before you can sign the relevant "entrustment contract". Otherwise, no fee will be paid.

3. Article 6 of the entrustment contract signed between your bank and Shenzhen Guotai Law Firm stipulates: "Party B shall apply to the court for enforcement in accordance with the law and apply to the court for enforcement in accordance with the law, and Party A shall pay Party B a successful remuneration of 1.7% of the recovered amount." In view of this, the Bank will no longer pay the "success fee" for the principal and interest of the loan recovered from the auction collateral, and the balance of the loan and interest arrears that are still insufficient after the auction of the collateral can be cleared according to the relevant provisions of the bidding and collection, but the reward ratio must be reported to the loss prevention department of the head office for approval.

4. Although there is an industry reference standard for litigation agency fees, according to the actual market conditions in Shenzhen, for cases with large amounts, the litigation agency fee standards are usually determined through negotiation, and are generally lower than the reference standards. For example, in the case of 170 million yuan of Futian Branch of our bank, the standard of litigation agency fee is 3‰, while the 8‰ executed by your bank is obviously high. In the future, all matters involving the determination of the standard of litigation agency fees must be reported to the Legal Department and the Accounting Department of the Head Office for approval in advance, and then the entrustment contract can be signed with the lawyer.

This is the case.

Legal Affairs Office of the People's Bank of China (India)

Asset Loss Prevention Department of Minmin Bank of China (Print)

Accounting Office of the People's Bank of China (Print)

29 November 1997

On the afternoon of December 1, 1997, in the conference room of Hubei Branch, Xia was smiling and presiding over the technical meeting of the Planning and Credit Division.

The magistrate will ask: Just the virtue of advocating not being angry and self-prestigious, and making a smiling face when you have a meeting with your subordinates and colleagues?

In fact, this is thanks to Wang Xianyao's intimate inspiration for summer. It can be said that in the summer, when he saw Yi Muzi, Hao Jianguang and other powerful figures in the head office, he could disdain it, and even when he saw Huang Lu, the leader of the head office, he could also make a clear comment, but he never defended Wang Xianyao's heart-to-heart speech, although sometimes what Wang Xianyao said was not necessarily accurate. Summer said in his heart: "It is rare to find President Wang's sincerity, no matter whether it is wrong or right, if there is one, it will be changed, and if there is none, it will be encouraged." Listen carefully and do a good job of digestion. ”

Summer also knows that personnel appraisal work is half retreat, half pragmatic work, and it is very malleable. If you don't do it, you'll capsize in the gutter.

Straight to the point. I just heard Xia say: "Today is the beginning of the last month of this year, and after a year of bumps and bumps between our colleagues, everyone has worked hard and achieved good results. Our contingent has also been tempered, and after the baptism of the waves, some comrades have left, some comrades have been fired, and the rest are comrades who are determined to do our kind of work that already knows the difficulties of the work they are engaged in. When we looked around, we found that the people who could stay in this kind of position in the industry were almost all employees from financial service agencies, which had a deep meaning. Is it possible to say that it is only our comrades here who can undertake such complicated work, open up the situation, and have a firm will and determination? Thinking of this, I am very moved; although in the past year, I have criticized many comrades, and perhaps I have done a lot of harm to everyone; however, I have also been criticized many times by the above, and some of them have even been criticized very outrageously. I think, you criticize me, I criticize you, it doesn't matter, the most important thing is that we can make a difference in a year. Do you think so?"

When Xia said this, he looked at Shu Guangrong and said, "Xiao Shu, if you want me to apologize for your criticism, I can only plug your mouth with wine." ”

At this time, Shu Guangrong answered: "I love to hear Manager Xia's words. Where are you going to get us all drunk?"

Xia hasn't answered yet, Xiong Zilun said: "Our general department drinks again, we must get Manager Xia drunk, so that he will scold us less in the future." ”

Ren Erwei said: "Xiong Zilun, it's up to you this time." ”

Summer said: "Let's come back with a new way to play, a place to eat, don't go to the Jade Phoenix Golden Dragon Restaurant for the time being." Yesterday, Minister Liang of Today's Home Company came to me and asked me to exchange 20,000 yuan in new banknotes for her during the Spring Festival. Later, she proposed that one of their company's restaurants had just opened, with Guanlan dog meat and Xinjiang fat sheep, and invited us to join the party. When she was leaving, she told me to go. I think it's rare to have a depositor's meal, and we should still go to the party. The food is provided by them, and we bring our own drinks. What do you think?"

Wang Yang said: "I think it's okay, it's rare that Mr. Guo of today's house can afford us." ”

Ren Erwei also echoed: "They are not only big depositors of Manager Xia, but also shareholders of our bank. This meal is a rare one. ”

Seeing that there was no opposition, Summer said, "Then it's decided." However, before and after dinner, we should still do some programs, and I thought about it last night, which made me think back to when I was 18 years old, when I participated in the training of cadres of the party school of the county party committee, when I went to bed at night, there were a lot of mosquitoes, and I couldn't sleep, and those old comrades asked each of them to tell a story before they could sleep. I think it's a good way to tell a story before you drink and eat. What if I really can't tell it?

Shu Guangrong said: "People have lived to this age, and if they don't have a story, they should be punished for drinking." In fact, it is not a punishment, three glasses of wine are converted into a story, and if you don't tell it, you will drink three glasses first. ”

At this time, Li Guolan said dissatisfiedly: "Xiao Shu, do you think we are sewers? If you drink three cups without eating, you can't move for a night!"

Ren Erwei said: "I agree to three cups. If you don't drink, you will talk, and if you don't talk, you will drink. That's fair. ”

Li Guolan said: "I suggest that the rules should be changed, not limited to stories, even jokes and humor. This is also knowledge!"

Xia said: "Li Guolan's suggestion is good. Do you have any suggestions?"

At this time, Wang Yang, who sang the best in the whole department, said: "I suggest that after eating, each person should sing a song, don't talk about whether the singing is good or not. ”

After everyone listened, you looked at me, I looked at you, only Shu Guangrong spoke: "Wang Yang, do you want a few of us to fall in today's house to be happy?"

Wang Yang said: "If you don't sing, three glasses of wine is a small thing for you." ”

Summer smiled and said, "Okay! For now, I'm going to be serious. Recently, I have summarized my past speeches in the section and formed some of the principle requirements for post work, which I intend to implement as the official system of the section after New Year's Day next year. In fact, everyone has been running in together for such a long time, it should be something familiar to everyone. The main principles are: the principle of emergency disposal, the principle of coordination, the principle of joint responsibility, the principle of respect for objectivity and dialectic, the principle of criticality, the principle of proceduralization, and the principle of special cases. Today, I would like to focus on clarifying the principle of criticality. ”

Speaking of this, Xia glanced at Shu Guangrong and said with a smile: "Xiao Shu introduced to me that day that one duck and two at Jingpeng Hotel were good, and later I took the comrades from the loss prevention department of the head office to eat." I think that the duck has no characteristics except for a large amount. However, there was a special dish that day, which was steamed sea bass for 16 yuan a piece, which was served fragrantly, and the fish meat was just cooked, and the taste was just right, which coincided with the fragrance of the sea bass. The artistic conception of this dish is the most vivid interpretation of the connotation of the critical principle of grasping color, aroma, taste and heat when cooking as a chef. You see, how comfortable it is for employees in an industry to implement the critical principle and make others feel comfortable! This is the enjoyment of beauty. Everyone, including children, may not be able to speak the full concept of the critical principle, but if you want to survive, you can't do without it. ”

Summer looked at the reaction of his colleague and continued: "The so-called critical principle, its meaning is: degree, proportion, and heat in the dictionary, these three words are the image words that express criticality. Grasping the tipping point is something we should pay great attention to in every job we do. You see: for example, the grasp of gentleness and masculinity is very learned, and when you watch the eunuch speech in the movie, everyone thinks that it is not a man's doing. If gay men say the same thing in their daily lives, they will become sissies and they will not be able to find a wife, and what a serious problem this is! In work, there are certain critical problems in the relative contradictions such as form and content, attendance and performance appraisal, principle and flexibility, and promotion and constraint. The main points for implementing this principle are: First, learn the critical theory. Second, it is necessary to grasp the critical point of specific work and do a good job in judging the time and sizing up the situation. ”

…… (To be continued.) )