In the summer, I looked at the position table sent by the planning department in my office, and the more I looked at it, the more anxious I became: before June passed, I took 70 million yuan in fixed deposits, and in July, it was not optimistic, and it was estimated that it would take more than 60 million yuan. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 info Once the deposit is gone, what will be the situation of Hubei Financial Services Society? I don't know what the CEOs will think when they look at this position table?

There are three customers who can support Hubei Financial Services Society to tide over the difficulties in the summer: First, the Shenshan Chemical Company, which can use an industrial city mortgage of 14 million yuan to keep a deposit of 20 million yuan. The second is Shenzhen 38 Co., Ltd., which hopes to build a building with large amounts of financing, and is also very generous in organizing deposits. However, the background of this company is complex, with a government background, a political and legal background, and a military background, and it is very troublesome to get it wrong. The third is the Shenzhen Textile Company, which has a lot of cash deposits to maintain and increase its value, but the current leaders of Hubei Financial Services Society seem to be not very interested in it, which makes people very embarrassed.

Summer was thinking about it, and Zhuang Yu called: "Old Xia, what have you been busy with lately?"

Summer replied, "What's there to be busy? ”

Zhuang Yu said, "Come to my office!"

Summer said, "Okay. ”

When he arrived at Zhuang Yu's office in the summer, Bu must have been sitting in the middle of it. Zhuang Yu said: "At present, our financial services agency is very short of funds, and the department manager is also responsible. You've all read the report, right? We're all at the end of our rope. What do you guys think?"

Bu must have sat aside and didn't squeak.

Summer thought for a while, and said in a somewhat sarcastic tone: "If you use the most trouble-free method, that is: if you have no money, you can reach out to the head office of the Citizens Bank and ask the planning department to run errands." ”

Zhuang Yu heard that there were thorns in Xia's words, but he pretended not to understand and said: "Asking for money from the top can only be an expedient measure." What else do you have now?"

Seeing Zhuang Yu pretending to be stupid in the summer, he was a little unbearable, and said: "If we look at the problem from the source, now that the deposit is gone, the funds are tight, and the main reason is that the loan has not been repaid." As for why the loan is not repaid, the reason is very complicated, and it is not necessarily a question of which loan officer or credit manager. We are a kind of small-scale financial organization that is worried about buying and selling, and for more than a year, we have often been asking for money from loan households, so can the quality of loans be high? Well, since the reality is like this, if the loans are not repaid, we will make articles about the old loan households: If you don't repay the loans, you can pay interest, and you are willing to pay money to replenish your deposits to come in to extend the period, why don't we do it? Are our financial service cooperatives just willing to close their doors rather than take a step back?

When Xia said this, Bu must have helped: "What Manager Xia said is reasonable, we want to discuss a way to come out and let everyone operate." ”

Zhuang Yu is still listening humbly.

Xia continued: "Mr. Zhuang, it's not that I complained afterwards, just talk about Shenshan Chemical Company, you look at his "Loan Certificate", ICBC and Bank of China can lend to enterprises. The name of the vice chairman of the National People's Congress, a built industrial city, mortgaged a loan of 14 million yuan, brought us 20 million deposits for the first time, and later gave 20 million deposits for the extension, and last month bought 10 million deposits from the textile company to our financial service cooperative. We all know that when they want to get their savings into us, they also pay hundreds of thousands or hundreds of thousands of dollars to buy them again and again. Let's think about it, we now have nearly 80 loan households, how many of them are willing to give you a deposit three times? Let's analyze it again, if he doesn't make up the deposit, do you have a better way? No, right? Okay, the deposit he organized came in, and you and Mr. Chen both hung up and sold it, and Lao Chen privately told the sales department to make his loan overdue, and you asked to see his boss in person. After I told him, he would give me face and come to see you immediately. I'll tell you the truth, I begged him to buy a deposit, and I didn't even eat a meal from him, and to put it bluntly, it was not convenient to eat, because I had to thank him. But what is the result of this? You see, the Shenshan Chemical Company is now bearing a double cost: it has paid the cost of helping you buy a deposit, and you have been fined a high amount of overdue interest. I thought, if every borrower is treated like this by us, will we still have the face to mix in society?"

After saying it in the summer, Zhuang Yu's face was gradually reddening.

Summer knows that Zhuang Yu's blushing has its own rules: sometimes because of excitement, for example, when he wants to lose his temper, sometimes because he has done something wrong, he will also blush because of nervousness. However, this summer will not be able to manage so much. Because Zhuang Yu put the responsibility of tight funds on the department manager just now, this is a question of right and wrong, and it is necessary to make it clear.

After a while, Zhuang Yu's mood gradually calmed down, and he said to Xia Hebu: "That's it, we still have to work together to get through the difficulties." What are your good ideas for dealing with old borrowers pulling deposits, let's talk about it together, the sooner the better. ”

Xia and Bu must have agreed and left Zhuang Yu's office.

In the afternoon, Chen worked in the office with a landline telephone department in the summer.

In the summer, he used his mobile phone to go back to him, and Chen asked homework, "Where are you?"

Xia said: "I am discussing with Chen Shanwei about organizing deposits at the 38 Joint Stock Company. ”

Chen homework said: "If you can't be busy, forget it, if you come back early, come to my office, okay?"

Summer said, "I'm ready to rush back, and when I come back, I'll look for you." ”

Chen homework said: "Then I will wait for you in the office." ”

In less than half an hour, Xia rushed back to Hubei Financial Services Co., Ltd. and went directly to Chen Jiao's office. Chen Jiao asked Xia to sit down and closed the door. Then ask, "What have you been up to lately?"

Xia said: "When I saw the latest position table of the financial services agency, I felt very uncomfortable, and I wanted to ask the old lenders to get some deposits. ”

Chen homework said: "I am also talking to you about this because of this. ”

Xia said: "Mr. Chen has any advice, please speak." ”

Chen said: "A financial problem like ours in a financial service agency cannot be solved by one or two people. Let me tell you that the head office of the Citizens Bank is ready to change our team this time. ”

Summer asked, "What's the change?"

Chen said: "The specific plan is not yet accurate, now I am privately asking for your opinion, after the change of team, will you leave our financial services agency?"

Summer is not without thinking about this issue, but it is not a gentleman's thing to leave when a unit is in danger. Summer said: "You may be able to see that in this financial services agency, no matter what I say or do, I always think about the long-term plan, and I still want to do things well. However, I am also saddened by the discouragement of our financial services agency at the moment. I can't bear to go, and it will take a while to open up the situation in the new unit; if I don't leave, I also feel that there is resistance in my work. Now it's time to look at one step at a time. ”

Next, Chen Jiao designed a variety of plans for the new team, as if he was sure to be the leader.

The conversation took more than two hours.

On June 30, 1995, Chen Shanwei of Shenzhen 38 Co., Ltd. came to Hubei Financial Services Co., Ltd. to directly discuss with Zhuang Yu the long-term and medium-term loan plan for organizing deposits and settling the funds for the construction of 38 Building.

The company is willing to integrate its eight subordinate enterprises into the settlement of Hubei Financial Services Society, and in addition, organize long-term deposits of 60 million yuan in two phases, loan 40 million yuan, and pay off all old loans.

In fact, this plan is as large as 40 million yuan more than a source of funds for Hubei Financial Services Society. Zhuang Yu and Chen Jijiao both agreed, and asked Xia to pay close attention to coordinating with the head office of the People's Bank.

On the afternoon of July 10, 1995, Zhuang Yu took Xia and Bu to the People's Bank. In the credit office, Director Feng Laodao, who had been in officialdom for a long time, said: "I have no objection to you making this loan, but during the loan period, the funds must be guaranteed. If the other party can issue a letter of commitment for deposit, it can be done. ”

After Zhuang Yu listened to Director Feng Laodao's speech, his heart felt like he had taken a reassuring pill, and he immediately settled down.

At this time, Feng Laodao said again: "Whether to lend or not, we have three sections in charge of this matter, so let's call the three section chiefs to take a look tomorrow." ”

Zhuang Yu said: "Okay, tomorrow I will send a car to pick up the three section chiefs to the scene to have a look." ”

After coming out of the credit office, Zhuang Yu went to the planning office again, and he also got close to the director to win future support.

The next day, Chen Jiao and Chen Shanwei took the van of Hubei Financial Services Society in the summer, and went to the credit office of the Citizen Bank to pick up Yi Muzi, Wang Yu, and Zhang Yu, three section chiefs, and drove to Nanshanwo to see the construction site of the proposed 38 Building.

Half an hour later, everyone got out of the car. After listening to Chen Shanwei's introduction, they were satisfied with the scene, but they felt that the land as collateral for the loan was too high and that it was not ideal.

Later, the comrades of the Citizens Bank asked to return to the Citizens Bank, so the van of the Hubei Financial Services Society sent the section chiefs back to the Citizens Bank.

After Chen Jiaohe returned to Hubei Financial Services Co., Ltd. in the summer, he discussed it with Zhuang Yu and thought that there was still work to be done.

Although Hubei Financial Services Co., Ltd. has warmed up on the medium- and long-term project loans of Shenzhen 38 Co., Ltd., there are different views within Shenzhen 38 Co., Ltd. and the relevant parties involved in the cooperative housing construction. Among them, some partners believe that the cost of borrowing from China Merchants Bank is smaller, and it is closer to the service and management of building construction.

After learning about their thoughts, Xia said: "I can understand your thoughts, but Shenzhen 38 Co., Ltd. should at least supplement the supporting deposits of the old loans of the company, and once the money is loaned down in other banks and the loans on our side are repaid, the real estate certificate will be returned to you." I think that's a good choice. ”

Chen Shanwei was noncommittal about the summer, and said about the recent deposits: "Recently, 10 million yuan from Zhuhai was deposited in your financial service agency for one year as my support for your work. ”

Summer to express gratitude.

It is said that Shenzhen Textile Company intends to deposit a little more time deposit in the Hubei Financial Services Society, where the summer is located, and the general manager of Tongke personally called the summer, and the summer expressed great gratitude on the one hand, but also felt a headache on the other hand. Why? Because the Hubei Financial Services Society has received a notice from the People's Bank that it is coming to inspect the leading group. In this way, the leaders of Hubei Financial Services Society are unwilling to do this kind of work that they don't know who to serve.

And the general manager of Tongke is also a person who does business, can afford to put down, several banks asked him for deposits, he just didn't give it, but personally went to Hubei Financial Services Society to find the summer, sat down in the summer office and said: "Tomorrow, I will ask the settlement center to give you 10 million yuan, the deposit period is half a year, and the annual interest rate is 18%. ”

Summer secretly complained, and had to tell the truth: "Your interest rate level is very favorable, but the problem is that our financial service agency is inspecting the leadership team, and everyone dare not move." ”

Tong Ke said: "They don't dare to move you, how long do you think it will take for the part that exceeds the interest rate of the certificate of deposit to be given to our company?"

Summer had no choice but to ask tentatively, "How about giving me fifteen days?"

Tong Ke said, "Okay! Fifteen days is fifteen days, after the deposit comes in, you write a promise to us, and that's it." I'm not looking for your boss, he can do whatever he likes. Just have you there. ”

Summer smiled and said, "Mr. Tong trusts me so much, I can't do it if I don't do it well." ”

As the legal representative of a listed company, Tong Ke finished the official business and left without sitting for long. The next day, he really asked Huang Xin, the general manager of the company's settlement center, to transfer 10 million yuan, save it for half a year, and Xia personally wrote a letter of commitment with an annual interest rate of 18% to Huang Xin to bring back to pay the difference.

In the summer, I opened the list of loan households and saw that the 4 million yuan loan of Shenzhen Zhaoshida Co., Ltd., which was about to expire, could be used as a negotiation object to supplement the funds. So, I began to analyze the cost of the loan to see if it could be accepted by the other party.