On January 1, 1995, New Year's Day, Hubei Financial Services Co., Ltd. had a holiday and arranged to be on duty in the summer. Pen % fun % Pavilion www.biquge.info

In the summer, I came to the financial services agency at the prescribed time, greeted the security personnel and the staff left behind in the sales department, and went to the credit manager's office. Summer opened the drawer, took out the diary, and read the diary for the month of December. Wrote:

△ January 1, 1995

Happy New Year.

Looking at 1994, it was a year of many turning points. At first, when the organization was about to transfer me to the head of a municipal first-class company, I escaped a little and went to Merlin Financial Services Co., Ltd. to resume my old business and become a loan officer. The success of this transfer is that it shows that he has passed the threshold of SZ ideologically-he can go up and down. And the problem lies in the fact that he is placed in a power department, and his level and qualifications are in the way of the leader's finances, so he is always not tolerated by others. In this way, after three months, I finally left. And Merlin Financial Services was willing to pay a high price on its own initiative -- giving me a deposit bonus for a whole year or even many years, and agreeing to me to find another job, which shows their ambivalence at the beginning.

In response to the saying "people move to live, trees to die", when I stepped on two boats, it was the leaders of Hubei Financial Services Society who constantly strengthened me to get on the congenitally deficient boat of Hubei. Although it was surprising to stand on the boat and sway, I found the thrill of fighting the waves on the boat. In the two months that I have been at Hubei Financial Services Agency, I have been respected by the leadership. In coordinating the inspection of the People's Bank of China, he did his best to help the financial service society overcome difficulties and overcome difficulties. At the same time, thanks to the support of friends from all walks of life, deposits have also continued to rise, becoming the main channel for financial services cooperatives to undertake key customer business. Although most of the loans I have made are not my own inherent customers, after dealing with them, the settlement deposit of the development still brings real benefits to myself, which can be regarded as another footnote of "honest people never suffer losses"! This also responds to the signature of the pagoda temple at the beginning of the year: "The final teaching is open one day, and the whole feather coat is still returned." ”

On the issue of loans, due to his calmness and lack of rigidity, he has not made any personal demands on all the borrowers, and so far, no major mistakes have been found. In view of the current financial situation, loans should be made less and more stable. It has been reported that the city will set up a citizens' bank to incorporate financial service cooperatives, whether it is true or not, and it is better not to cause trouble.

January 3 is the working day after the New Year's Day holiday, and after they arrived at the office with Xu Donghai and Bu Must, they were talking about the festival, and everyone felt that this New Year's Day had a unique flavor.

At nine o'clock, Huang Zhonghui of Huanglong International Hotel brought a middle-aged man to look for summer. Huang Zhonghui saw Xia and said, "Manager Xia, I'll bring someone to you today." This is Au Erlang. ”

The man who Huang Zhonghui called Ou Erlang stood and nodded to Xia, who glanced at him and said, "Please be seated." ”

Bu must have said: "Ou Erlang, this name is so familiar, have you heard of it somewhere?"

Huang Zhonghui said: "It's possible, but it's not Wu Erlang! That Wu Erlang is Pan Jinlian's younger brother, a hero who fights tigers, and this Erlang doesn't have this ability." ”

Bu must have smiled and said, "I may have preconceived notions and heard your friend as Wu Dalang." ”

"That's wrong again. Huang Zhonghui said: "This friend of mine is a little stronger than Wu Dalang, at least he is higher than him! Also, one sells roasted cakes and the other opens a hotel, which is not the same grade. ”

At this time, Xia asked, "Mr. Au Erlang runs a hotel?"

Ou Erlang said: "Manager Xia, don't listen to Huang Zhonghui's nonsense, my brother Ou Dalang opened a hotel in Pinghu, called Jiale Hotel, which is actually a hotel. ”

"That's right," Huang Zhonghui replied: "I came with him today, just to implement the previous sub-loan agreement, Ou Erlang was entrusted by his brother, all the formalities are complete, and the Jiale Hotel has a loan of 5.4 million yuan, and the formalities are completed today, and I have also signed the financing agreement for the deposit." ”

Summer asked, "Who will help you organize the deposit?"

Huang Zhonghui said: "Originally, I had already contacted the Social Security Bureau, and I could call 20 million yuan, and the director was too, as he said well, I would not go on a business trip in the morning or in the evening, but at this time, I am going to use the money and go on a business trip." You see, I was 'a poor man marrying a noble girl and losing my fortune.'" ”

After Huang Zhonghui finished speaking, he took out the financing contract and showed it to Summer.

Summer took the contract and saw that it read:

"Party B: Shao Min, introduced a one-year deposit of 8 million yuan for Party A, with an annual interest rate of 26%. "Yunyun.

Summer asked, "Isn't this level a little too high?"

Huang Zhonghui said: "I also know that it is high, but people say that around the Spring Festival, all banks have increased the cost of guaranteeing payment and saving money, and there is nothing to do." ”

Summer was a little hesitant and said to Huang Zhonghui: "Let's go to Mr. Zhuang to report together." ”

"Wow!" Huang Zhonghui finished speaking, and went to find Zhuang Yu with Xia Xia and Ou Erlang.

In the afternoon, Chairman Yang Oran came to Hubei Financial Services Co., Ltd., saying that he wanted to talk to the department manager and do personnel inspection. The place of his conversation was chosen to be in the office of Wu Liyuan, the secretary of the board of directors and who seemed to be his "Xiaomi". The office is separated from the credit manager's office by a glass wall, and people who come in and out can see it, but they can't hear what they say. As for whether Yang Oran deliberately chose such a way to inspect cadres that everyone can see, people do not know.

I saw Tan Feiyan, Wu Dongmei, Wang Kangkang, Chen Shiqing, and Xiong Zilun go in one by one, and they came out one by one after a while.

It was the turn of the credit department, Yang Oran seemed to be prepared, and first called the main loan officers of the three credit departments, Li Chaoyang, Ou Zhongzhong, Shu Guangrong, and Li Guolan, to talk, and then called Xu Donghai, Xia, and Bu Cheng to chat one by one.

If people say that Yang Oran has no ability, there may not be many people who oppose it, but he has been in the officialdom for decades, even if he is stupid, he will open up one day, not to mention, he is not stupid. His questioning of each inquirer was different, and he summed up some useful material for himself, which was used as a cannonball at a board meeting and a bargaining chip with the management team, but a discerning person could not necessarily see through it.

There is only one question that Yang may discuss with Xia: his views on the management team and business of the financial service cooperative.

Xia has learned about his investment projects, board of directors speeches, Jiepeng company loans, urban construction company loan negotiations, Jingpeng drunkenness, coffee at the Sunshine Hotel, etc., and knows that he is not a good person, but only talks in generalities, and the point is over, and it will be over soon.

After Yang Oran finished talking with the department manager and the business backbone, he was still unsatisfied, and came to Zhuang Yu's office to blow the cowhide. During this period, he introduced that the Xiaoshovel Island stone project will soon be profitable, and told Zhuang Yu to rest assured that he will not suffer a loss if he follows him. At the end of the conversation, Yang Oran took out a business card and handed it to Zhuang Yu. The business card reads:

SZ Jianguang Cement Packaging Company

Legal representative: Chen Jianguang.

Telephone: ××××××

Yang Oran waited for Zhuang Yu to finish reading the business card, and said to Zhuang Yu: "This person is my old comrade-in-arms, I heard that I became the chairman of Hubei Financial Services Society, and I ran desperately to my house, but I couldn't get rid of it." I want to borrow 3 million yuan to expand production. His business is still doing well, can you see if you can get a loan? You can give him an answer by pressing the phone number on the business card. That's how I'm on a good side. After speaking, he took out another bag of materials and gave it to Zhuang Yu as a procedure for applying for a loan.

Zhuang Yu said: "Let's discuss it. ”

This Yang may just be calm, and he will never talk about what he learned from the inspection of cadres. Of course, Zhuang Yu didn't ask. The two of them acted as if nothing had happened.

At the end of the day, another 4.5 million deposits arrived in the summer. One is 2 million yuan from Kingdom Trading Company, and the other is 2.5 million yuan from the Government Science and Technology Industrial Park.

After completing the procedures with the depositor in the summer, Huang Zhonghui called. He said to Xia: "Manager Xia, don't leave after work at night, I'll have dinner with you, Shao Min and Luo Jiari." I want to save face!"

Summer said, "Do we both have to be so polite?"

"I'm ready to come out of the house now. Huang Zhonghui said.

At half past six o'clock in the evening, Huang Zhonghui's Mercedes-Benz 600 sedan stopped at the entrance of Hubei Financial Services Society, and when he got into the car in the summer, Huang Zhonghui then drove the car to the parking lot of the Southern Hotel. The two got out of the car and came to the private room on the second floor to talk about dinner.

Subsequently, Shao Min, Zhong Ningfeng, Luo Jiari and Ou Erlang came one after another, and everyone ordered their favorite dishes for Huang Zhonghui to choose. Huang Zhonghui is a frequent guest of the Southern Hotel, and likes the slightly light taste here, and the food is easy to order. After a while, I called the waiter to serve the food.

At this dinner, Summer and Luo Jiazhi are relatively high in cultural quality, and it is clear that Summer is the guest of honor. Luo Jiazhi is the legal counsel hired by Huang Zhonghui, and he feels a little hired by people. Needless to say, Shao Min can only rely on the head of the credit section and the credit manager to speculate on funds, and Huang Zhonghui also has a request for summer, just because summer is a person with character, and if he doesn't have the right taste, he will form an opinion. Therefore, they can only toast with Summer politely at the wine table. And Huang Zhonghui is different from Zhong Ningfeng and Ou Erlang, they are purely friends, and they are a little crazy when they play wine.

After two hours, everyone was eight points drunk.

When it was time to close, Huang Zhonghui stirred his somewhat bulky drunken tongue, took Xia's hand and said, "Manager Xia, tonight, you didn't drink, let's change places now, go... Listen to the song and go to the Development Center Building. After he finished speaking, he looked at Shao Min and Zhong Ningfeng, and asked, "Are you going?"

Shao Min said: "Go, big brother go, how dare I not go?"

"That's... Okay, let's go now. After Huang Zhonghui finished speaking, he asked the waiter to take the settlement statement and sign it, and then left the Southern Hotel.

Huang Zhonghui and his entourage drove several cars to the Development Center Building, parked the cars, and took care of each other to get on the elevator to the bar on the top floor of the building. asked for a big house, and was gambling again.

In the summer, he chatted and sang songs with Luo Jiari in the bar, and found Huang Zhonghui coming in and out. It turned out that his friend was also drinking and singing in the next room. One of the girls sang very well, and when she asked, it turned out to be the financial staff just hired by SZ Ningfeng Company, named Wang Lisheng.

Zhong Ningfeng saw that Summer admired Wang Lisheng's singing voice a little. He sat down next to Summer, drank a glass of wine with Summer, and said: "I graduated from a professional art college and am a national second-class singer. Just recruited, get the cashier. ”

Summer said: "Mr. Zhong is good, there are dragons and crouching tigers in the company, and there are all kinds of talents." ”

"Where," Zhong Ningfeng said, "doing a lot of socializing projects, drinking, singing, etc., has become our basic skills." ”

At this time, Shao Min came over drunk and said to Zhong Ningfeng: "Mr. Zhong, Brother Xia is our benefactor, we rely on him if we want to get rich, toast to Big Brother." If you don't get drunk today, you won't return. ”

"Okay!" Zhong Ningfeng diligently poured wine for the summer, and everyone shouted and drank again.

Summer feels like I'm dying, but since everyone is happy, we can't spoil the fun. It's the same as the saying goes, "It's better to hurt your body than your feelings." ”

Shao Min put down his wine glass and said to Summer, "Big brother, I'm a little tight on hand, can you take care of me?"

Xia understood that he meant to borrow money from himself, so he took out his account opening in the Agricultural Bank from his briefcase in a drunken manner, threw it to Shao Min, and said, "There are tens of thousands of yuan here, you can use it first!"

Shao Min took the storage and left the bar immediately.

Half an hour later, Shao Min returned to the restaurant and returned the storage to Summer.

At this time, Huang Zhonghui, Zhong Ningfeng and others were drinking in the same room, and everyone was already drunk to death. Shao Min pulled out Zhong Ningfeng and went to the next room to discuss for a while, and then asked Huang Zhonghui to go out to discuss. After a while, the three of them came back and sat down and began to gamble again.

Later, Huang Zhonghui took advantage of the drunkenness to take off the Rolex watch in his hand and said to Xia: "Manager Xia, it's rare that everyone is happy today, make a commemoration, my Rolex watch that I bought in Hong Kong with 240,000 Hong Kong dollars will be yours from tonight onwards!"

After he finished speaking, he lay down on the couch, and his right hand holding the watch was raised high. At this time, Shao Min immediately put his watch down and said to Xia: "Brother Xia, this is our intention to be a little brother." I know that you are a high-ranking person who does not show your face, and you may not be able to afford a watch, but you must give us face and wear it. With that, he put his watch on his hand in the summer.

At this time, Zhong Ningfeng also said, "Big brother, you have to wear it." ”

Summer was also pretending to be drunk and asked Shao Min to put on the watch, and after the atmosphere eased a little, he took off the watch and said to Luo Jiari: "You help me, put this watch back on Mr. Huang's hand together." ”

Luo Jiazhi smiled and said, "Okay." ”

So, the two returned Huang Zhonghui's watch to Huang Zhonghui. After putting it on him, Summer patted his left hand and said to Huang Zhonghui: "Mr. Huang, remember not to lose the watch!"

Luo Jiazhi is a lawyer, and he has to drive, so he has a strong self-control ability in drinking. Although he also drank, it was clear that he was the most sober of the men. When he saw Summer's actions and knew that Summer was still calmer, he smiled heartily.

At two o'clock in the middle of the night, everyone went downstairs, you told me, I told you, so endlessly said goodbye, finally got into their respective cars, and drove home.

After going to work the next day, Xia made a phone call to Huang Zhonghui's brother-in-law, Zhang Shuangmu, to explain to him what happened, and asked him to see if Huang Zhonghui had brought back his watch when he came home last night.

With the approach of the Spring Festival, the funds of Hubei Financial Services Society are becoming more and more tight. Zhuang Yu, as the legal representative of the financial service agency, is also becoming more and more unable to sit still. The financial services agency originally expected Zhu Chi'er to pull deposits, but now it is a bit unrealistic. First, because Zhu Chi'er is a realistic person, some of the financing fame he has made is, in the final analysis, the premise that he should be able to use the money. And now, with the People's Bank card in place, he can't move, and there's no need to move. Second, his set of methods is to appropriately increase some assets on the premise of constantly rolling up debts, so as to give society the impression of running an industry. Then, use some new debts to repay old debts, such a chain operation as a means of pounding. The prerequisite for him to continue to operate is that the society must trust him, and if there is a wind and grass and the chain is broken, he will undoubtedly fall. And now, it is the threshold of wind and grass. Third, he has just escaped from the land of right and wrong, and he still needs to have a process of accumulating energy before he can continue to move forward in waves.

Now that Zhu Chi'er is out of play, the financial service society still has to operate, and besides, the board of directors is still aggressively clamoring to remove the management team. This is Zhuang Yu's motivation for "thinking about change when he is sleepy."

On this day, Zhuang Yu called Qin Xianhong and Chen Shiqing to discuss in the office how to find a source of large deposits to replace Zhu Chi'er's channel.

Zhuang Yu said: "The three of us are the closest partners, and they are also the first people to bear the brunt of Chairman Yang's consideration of substitution. Now, is there any way to get a steady stream of large deposits like Lao Zhu, so that the board of directors will also look at it differently?"

The three of them were silent for a long time, and Qin Xianhong said: "I see that I contacted some friends from ZJSH, and Mr. Zhuang took a look at your classmates himself, what can help you." Let's not be afraid to ask for help, if we contact ten people and two of them have a response, it's amazing. Maybe it can help us a lot. ”

Zhuang Yu said: "Yes, then we will contact for two nights to see what the way is." ”

Chen Shiqing said: "How was Yang Oran talking to someone that day?"

"I don't know what happened to him," Zhuang Yu said, "Before leaving, he gave me the loan information of one of his comrades-in-arms, wanting to make a loan of 3 million yuan." What a headache!"

"It's a bottomless pit. Qin Xianhong said.

Zhuang Yu said: "Didn't he say it himself: he is a great white shark and wants to eat people." This man is really going to die a bad death. ”

It is said that Zhuang Yu and Qin Xianhong have been in contact for many days, and finally got a few indirect clues of financing from SH's classmate relationship.

Guanguan: As you may know, SH is the first city in China to accept Western industrial civilization, and its commodity awareness and business savvy are far higher than those of other cities in China. Although they have money to find a way, and even take the road of making money, they are unwilling to take any risks, nor do they want to die when the goods come to the shore, and the money comes to be slaughtered. Each of them demanded that both parties negotiate with SH, sign the contract, and set the terms of breach of contract before they are willing to remit a large amount of deposits.

Zhuang Yu thought: "In this case, I will have to go to SH." At the juncture when Yang Xianran, chairman of the board of directors of the financial services cooperative, was about to remove the management team, he and Qin Xianhong could not both go away, but had to keep one of them; if Qin Xianhong was allowed to go to SH, it would be difficult to make a decision when he encountered problems on the spot. ”

So, he called Qin Xianhong and Chen Shiqing to discuss together.

In the end, they agreed that Qin Xianhong and Chen Shiqing would guard the financial service cooperative, and pay attention to the movements of Yang or Ran and Chen's operations; Zhuang Yu personally went out, took the seal of Wang Hua and the financial service cooperative, and prepared to take a direct flight to SH Hongqiao Airport.

"That's right," Zhuang Yu said, "I still have to deploy the work before I go, so that everyone knows it." ”

Qin Xianhong said: "Then call the department manager in the afternoon, and discuss this year's shareholder dividends by the way." ”

Zhuang Yu said: "I forgot one thing, that is, the loan account introduced by Yang Oran, simply let everyone discuss it, whether to loan or not." ”

Chen Shiqing said: "Let's set the tone first, don't fall for him again." In the future, we will have to pay for it ourselves. ”

"In addition, the three of us will unify it," Zhuang Yu said, "and the interest rate level of all deposits paid by financial service cooperatives should be within this range: 21.6% per annum for one-year deposits, 18% for half-year deposits, and 15.6% for three-month deposits, and do not exceed." ”

Chen Shiqing said: "Okay. ”