It is said that in the summer, at the request of Feng Wenwen, he met with the general manager of the children's department of Shenzhen Textile Company. The pen "Fun" Pavilion www.biquge.info the two talked very tacitly. As Feng Wenwen said, Tong Ke did not make any personal requests, but only asked Xia to ensure the safety of their company's funds with his own reputation. In other words, Tong Ke's trust in Summer is higher than his trust in Hubei Financial Services.

Xia knew that many uncertainties were beyond his control, but he still promised: "When I encounter an extraordinary situation, I will tell the news to Mr. Tong as soon as possible." ”

Later, the two agreed to give 10 million yuan for the first time, with a deposit period of one year and an annual interest rate of 18%. When I go back in the summer, I will go back to the spread, and the company's settlement center will handle the procedures.

In fact, this interest rate was relatively low at that time, and I was very satisfied with it in the summer.

When he returned to Hubei Financial Services in the summer, he immediately reported to Zhuang Yu and Chen Zuo. Due to the low interest rate on this deposit, the two of them could not say a reason to disagree, but said that there was no interest rate spread in the small account.

Xia said: "I don't think there is a spread in the financial service agency, so I just ask the old lenders to supplement it." I checked, and the loan of Shenshan Chemical Company was almost due, so I went to discuss with them, and the 10 million deposit was just enough to supplement his position with a loan of 6.5 million. Do you think it's okay?"

Zhuang Yu said, "You go talk to him first." ”

Chen homework said: "He has a period, I will think about it." ”

A Sunday after this incident, Ling Hua, the CEO of Shenshan Chemical Company, felt that the loan had not been repaid, and it was acceptable to make up a little money to help Hubei Financial Services Society. Therefore, in the case that the extension procedures were not handled, an agreement was signed with the settlement center of Shenzhen Textile Company under the mediation of the summer, and 10 million yuan of the textile company was transferred to Hubei Financial Services Co., Ltd. and converted into a one-year fixed deposit.

When Chen saw that the deposit of Shenzhen Textile Company had arrived, he knew that he was going to extend the loan of Shenshan Chemical Company as a supporting match. He made the mistake of being arrogant again, and he deliberately set up a hindrance, so that the money that had been transferred to a fixed period was unstable, so he privately said to Tan Feiyan: "A loan like Shenshan Chemical Company has been extended once, and it will be directly transferred to the overdue after expiration, so you don't need to think about it." ”

But Chen did not say this to Summer.

People once saw that Chen Gongjiu had assigned Tan Feiyan to "restore the accounts" of the normal mortgage loans that had already been settled, and now he was full of scheming indifference to the relatively low-interest deposits organized by the Shenshan Chemical Company, which was suspicious, and this should not be the attitude of a responsible leader.

It is said that when Chen was just assigned to work at the Shenzhen Special Zone Branch of the People's Bank of China, he was full of ambition and often dreamed of being promoted to higher ranks, but he was worried that he would not have a social foundation and would find it difficult to succeed. One day, he found a fortune teller who was commonly known as "open one eye and close one eye" on the rivers and lakes. I saw this blind fortune teller who looked at Chen Jiao's figure and appearance, touched his hands, and said a limerick poem in his mouth.

It turned out that the four lines of poetry that slipped out of the fortune teller's mouth were:

The pointed face of the head is cut and lacks ancestral shade, and the triangular snake eyes are poisonous and family planning;

The five short figures are difficult to reach the sky, and they rack their brains in vain.

However, he said that in the summer, he took a copy of the deposit slip of the Shenshan Chemical Company to make up the interest rate difference and a complete set of loan extension procedures to Zhuang Yu's office. After Zhuang Yu saw it, he seemed to be unwilling and didn't want to handle it, and said to Xia: "I have to meet his boss before signing." ”

Summer returned to the office of the second credit department and made a phone call to Ling Hua, who put down his work and immediately rushed to Zhuang Yu's office to meet Zhuang Yu.

During the conversation between the two sides, Zhuang Yu did not smile all the time, and Xia felt very strange.

Official: Do you know what's strange about summer? Generally speaking, if a bank's loan overdue rate is high, it indicates that the quality of credit assets is not good, and the last victim of poor quality is the president. As a president, the general consideration is that because the bank is going to operate, the borrower still needs it. Under normal circumstances, as long as the enterprise can pay off the interest and can coordinate, the bank will do the new loan to repay the old or repay the old loan to the enterprise. It is generally rare for an enterprise like the Shenshan Chemical Company to organize large deposits one after another to supplement the insufficient position of the financial service cooperative, and it is only right that Zhuang Yu, as the president of the bank (general manager of the financial service cooperative), should be grateful to others, and how can he hang himself up and sell it and cannot get by with himself? Chen Jiao is different, he has benefited from the Shenshan Chemical Company in terms of interest rate spreads and deposit bonuses, and is a beneficiary. And now the deposits that come in have no benefits of their own, and there is a sense of loss and reluctance to cooperate, which is still reasonable. Or he can't extricate himself in the personnel battle and I don't know, although it can be said that he has a small heart and his character is not necessarily so great, but others can understand it.

Summer came out of Zhuang Yu's office, returned to his office and sat on the swivel chair, thinking about the situation of this business, and said to himself: "It seems that Mr. Zhuang will not stay in the position of general manager for three months. ”

At five o'clock in the afternoon, Xia was about to get off work, and suddenly received a call from Zhuang Yu: "Manager Xia, I want to ask you something." ”

Summer said: "Mr. Zhuang has any advice, please speak." ”

Zhuang Yu said: "Our financial service agency has a set of fund-raising houses, do you want it?"

In the past, I participated in several discussions in the summer of the financial service cooperative's plan for the purchase of commercial housing for cadres above the department manager level, but it did not come to fruition, and I have never heard of the service cooperative's purchase of fund-raising housing. Hearing Zhuang Yu ask, he replied with an idea: "The key is to see how to go through the account." ”

Zhuang Yu said: "There is no question of how to go to the account, the house payment is more than 300,000 yuan, you pay it yourself, and the house is yours." ”

Xia already understood what Zhuang Yu was talking about, and immediately said, "Then I don't want it." ”

In the process of handing over the two systems, such as the conversion of Shenzhen's financial service cooperatives to the Minmin Bank, the CEOs had the considerations of the CEOs, and they were wallowing in the whirlpool of securing their rights, being promoted, being dismissed, and leaving, and racking their brains; department managers had the considerations of department managers; generally speaking, most people could be retained, but it was difficult to say what officials they would be and in what positions. Of course, some people may feel uncomfortable with the new system and think about choosing to leave. People who want to stay and leave will inevitably show something in their actions.

The three credit managers at Hubei Financial Services are no exception.

Since Xu Donghai completed the series of loans of more than 40 million yuan from Shenzhen Jianhua Company, he has basically played the role of playing the side drum, occasionally making a loan and making some deposits to show that he still exists.

In the summer of the second department, I saw the possible payment crisis of Hubei Financial Services Society, and I was more anxious. Because his plan is to continue with the bank, he is highly vigilant about the behavior of the borrower. He always felt that it was difficult to manage the large number of borrowers, so he was reluctant to make more loans, and wanted to select a good customer base among the original borrowers to consolidate and develop deposits. However, he has recently found that it is difficult for him to get long-term and consistent support from the CEO for his work of organizing deposits.

Bu of the third department must have used it when Xu and Xia were not very willing to do the asset business, and not only made the lending business prosperous, but even made several controversial loans when the financial service cooperative's capital situation was frequently urgent, so that the loan balance caught up with the first and second departments. Recently, Shi Yunli, the legal representative of the Shenzhen Shekou Sea and Land Transport Trading Company, who had drunk with Huang Zhonghui and Zhong Ningfeng after the Spring Festival and met him in the summer, frequently went in and out of the third credit department; another Shenzhen Xiongying Industry and Trade Co., Ltd., which had a little background, was also preparing to make a 30 million third-party certificate of deposit pledge loan.

A discerning person can see that Bu must have adopted this strategy of being quiet and moving, which was exactly what he did before he was ready to leave the financial services agency. This also increased the pressure of Xu Donghai to pay off old loans in the summer of Hubei's financial services in the future.