Headquartered at 18 Fuqian Street, the 19-storey Donghua Bank is a modern office building that is unique on City Hall Street and is said to have been designed by designers from Beijing's DESTROY Architects, which was put into use only three years ago.

When Wang Chong arrived at the headquarters, Vice President Liao Xingguo was holding an emergency meeting. Sun Zhengbin, director of the Discipline Inspection Office, and Li Shaohua, director of the customer service center in charge of complaints, were appeasing Sheng Hongfei in the reception room, and Zhang Liyu and Gu Tiande, as the party concerned, were also called over.

Gu Tiande met Wang Chong in the corridor, "Mr. Wang, why are you so reckless, no matter how urgent it is, you have to ask the bank, now that the customers have made trouble at the headquarters, you see how to deal with this matter." ”

Wang Chong came to the reception room. Sheng Hongfei came to him, pointed at Wang Chong's nose and scolded, "Wang Chong, you fucking miserable Lao Tzu, let me ask you, why did you freeze my account? You know, yesterday I used eight times leverage to buy crude oil futures, just because you froze my funds for me, I lost more than one million." Fuck me!"

When Sheng Hongfei went to his office to apply for a loan a week ago, he looked cautious and respectful, and the money was released, which made Wang Chong feel a little disgusted. However, Wang Chong still bowed deeply, "Mr. Sheng, I'm sorry, it's my fault." ”

"I'm sorry and that's it? What about the money I lost? More than one million, is it you, or is it your Donghua Bank? Your Donghua Bank keeps saying that customer experience is the first, this is the fucking customer experience?"

Li Shaohua accompanied him cautiously and said, "Mr. Sheng, that's the case, yesterday we found that your card has frequent transfer transactions, call you, you don't answer, we suspect that your account information has been stolen by criminals, in order to protect the safety of your funds, Mr. Wang froze your account, today as soon as you verify the situation, we will unfreeze you." ”

"Is the funds safe?" Sheng Hongfei seized the loophole in this sentence and asked, "You mean to say that my money is not safe to be stored in your Donghua Bank? You have to give me an explanation for this, or I won't give up. ”

Wang Chong took a deep breath and said, "Mr. Sheng, you said that your funds are used for crude oil futures, but as far as I know, the price fluctuations in the crude oil market yesterday were not large, and I don't understand how your profit of one million is calculated. ”

Sheng Hongfei became angry when he heard it, "It's really an eye-opener for me, how I spend this money is my business, even if I use them to buy lottery tickets, it's my business to lose all of them, I'm willing, maybe I can make 100 million, can you manage it?"

Li Shaohua whispered to Wang Chong, "Hurry up and apologize to Mr. Sheng, don't you make good compensation, if he makes trouble with the Donghua Banking Regulatory Bureau, it will have a very bad impact on our bank." ”

"It's not that the compensation can't solve the problem, he is clearly here to find trouble. ”

Wang Chong pondered for a moment, this matter was obviously premeditated, and it all started with that anonymous text message. On the way to the headquarters, Wang Chong tried to call the anonymous text message, but the other party kept turning off the phone, and later asked a friend to help check it, and it turned out to be a white number. He vaguely felt that this matter had something to do with the pre-holiday collection of Zhou Yuntao's loan.

Wang Chong said to Sheng Hongfei, "Mr. Sheng, please take a step to speak." ”

The two came to the small conference room, and Sheng Hongfei said, "Say, I'll see how you explain." ”

Wang Chong looked at Sheng Hongfei and said, "Mr. Sheng, you are engaged in the import and export trade of red wine, if I remember correctly, the loan of 20 million yuan last week was used to buy red wine, and the funds were also paid to the counterparty's account, but a few days ago, the loan returned to your capital account after several transactions." According to the loan contract, the borrowed funds cannot enter the stock market, futures, securities and other capital markets, as you said, if you use the funds to speculate in futures, we have the right to declare the expiration of the loan and recover the loan in advance. ”

Sheng Hongfei's face changed slightly, "And this one?"

Wang Chong said lightly, "There is this clause in the contract of any bank. Mr. Sheng, if it is really as you said, I am afraid that we will have to execute the contract. Sheng Hongfei hurriedly smiled, took out a box of soft China from his arms, and took out a cigarette, "I think there should be a little misunderstanding, come and smoke." ”

Wang Chong said no, and then admonished, "I can pretend not to know about this matter, but I may ask you to consider your wording." ”

Sheng Hongfei said that I was just angry, you know, this kind of thing, anyone will be annoyed, and I drank some wine yesterday, Mr. Wang, I won't pursue this matter.

For a trading company, draining his cash flow almost sentenced the enterprise to death, which Wang Chong understands and Sheng Hongfei also understands. Wang Chong didn't choose to point it out in public, mainly because he wanted to know why he had such an operation. For this, Sheng Hongfei was vague and refused to inform, insisting that it was his own business needs.

When the two of them came out talking and laughing, Li Shaohua almost didn't believe his eyes.

Sun Zhengbin, who has been supervising the whole process, also felt a little strange. However, with a cigarette, Sheng Hongfei gave up complaining, but he didn't ask. His job is to record the process truthfully and then report it to President Liao.

Seeing off Sheng Hongfei, Wang Chong returned to the headquarters to attend Liao Xingguo's meeting. After dealing with external complaints, the impact of this matter will be minimized, but the trouble has just begun, and the real battlefield is in the industry.

This kind of thing, to put it mildly, flouting the rules and regulations of the industry, violating professional ethics, is a serious operational risk, can be punished with a demerit, recorded, deducted half a year's performance, and not promoted within a year.

To put it mildly, for the safety of funds in the industry, the temporary emergency measures were imposed and a fine of 1,000 yuan. The key to saying big or small, the key is how to qualitatively look in the industry. However, on this battlefield, Wang Chong had no choice, so he could only wait quietly for the results.

Small meeting room.

Wang Chong, Zhang Liyu, and Gu Tiande sat in the conference room. Sun Zhengbin of the Discipline Inspection Office made a brief report to the people attending the meeting, and after Liao Xingguo listened, he said, "Let's talk about our opinions." ”

Li Youtian was the first to speak, "I think Wang Chong did something wrong in this matter, after all, it violated the rules and regulations of the bank, but Wang Chong did this for the safety of the bank's funds and avoided unnecessary losses, and Wang Chong also made a great contribution to the bank before the holiday, so I suggest that it be dealt with lightly." ”

Song Ting, chief financial officer, said, "I don't agree, I personally believe that Wang Chong's behavior violates the regulations on the management of funds in the bank's account, and takes extreme actions without authorization, which is an extremely dangerous signal." Zhang Liyu ......"

Zhang Liyu got up from his seat, he was in a terrible mood now.

All of you here are the top executives of Donghua Bank, he is a small sales supervisor, some people even only hear his name, never met, this Song Ting has always been difficult to talk to, the counter operation of this part, she is in charge, it can be said that she single-handedly controls the fate of more than 700 tellers of Donghua Bank, if she is targeted, his future in Donghua Bank is over.

He said, "Director Song." ”

Song Ting asked, "At the time of the incident, did Wang Chong give you any authorization?"

Zhang Liyu: "At that time, the matter was urgent, and customer funds were being lost......

"I'm just asking if you have any authorization?"

"Nope. But ......"

Song Ting said, "There is nothing but." Do you know what it means for you to do that? If he asks you to freeze client funds, you will freeze client funds, and if he asks you to transfer a billion to him, you will do the same?"

"No, it won't. ”

"I don't think so. The government and the people have entrusted the funds to us for management, but we cannot let any department always manipulate it with a phone call, this matter is in charge of me, and I think it should be dealt with seriously. ”

Li Youtian said, "Wang Chong has just made a meritorious service, so dealing with him like this will chill the hearts of the workers." ”

Song Ting: "Our bank is a place to talk about systems and rules, not a place to talk about relationships and human feelings, and the employees of our own department have made mistakes, does Governor Li mean favoritism when he says this?"

Li Youtian is almost fifty years old, and this thirty-year-old financial director has always been at odds, he heard Song Ting say this, and couldn't help but get angry, "What is partiality? It's a person, it's inevitable to make mistakes, the more you do, the more you make mistakes, Wang Chong encounters this kind of thing, and ignores it, so who is responsible for the safety of funds in the industry? This is not a big deal, Director Song has always been prejudiced against the people of our old city letter, as long as there is a problem, he will catch it, I don't think Director Song is deliberately doing things, right?"

As soon as these words came out, the entire conference room fell silent.

The meeting of the Donghua Bank, once it involves the factional struggle of the old city letter and the new Donghua, is very sensitive, and as Li Youtian, he should not have said such things, but Wang Chong is his own right-hand man, and if something goes wrong with him, he will not be able to get over his face.

Song Ting said, "Donghua Bank is Donghua Bank, there is no old city letter, new Donghua, President Li, I just talk about things." ”

Gu Tiande raised his hand, signaling that he had something to say, Liao Xingguo nodded, Gu Tiande got up and said, "This happened in our Chengdong Branch, as the president, I am also responsible, yesterday Wang Chong called me, I drank some wine outside for entertainment, and I was not able to ask the head office leader for instructions in time, and rejected his request, but I didn't expect that he would bypass the authorization and forcibly order the counter operation, which is due to my lax management, and I would rather accept the organization's treatment." ”

Liao Xingguo asked, "What can you accept?"

Gu Tiande thought for a while and said, "At least one month of performance must be deducted, and it will be reviewed in writing, but the leader can rest assured, I will hold an all-staff meeting after I go back to learn and summarize lessons and lessons to prevent this kind of thing from happening." As a bank, we must strictly abide by the bottom line of risk, and we must always be vigilant against what we can and cannot do, and resolutely not encourage this unhealthy trend. ”

As soon as these words came out, Li Youtian's heart was cold.

In this incident, Gu Tiande's fault was the least, and as soon as he said this, Zhang Liyu and Wang Chong, who were the parties involved, committed greater faults, so how could the treatment of them be lower than this standard?

Thinking of this, he glanced at Liu Jianguo, who had been silent since the beginning of the meeting, they were all old city letters, hoping that Liu Jianguo could stand up and say a word for Wang Chong.

Liao Xingguo also said, "What about President Liu's opinion?"

Liu Jianguo said, "Since President Gu can take care of the overall situation, I have no opinion. He agreed to Gu Tiande's handling method, which is equivalent to indirectly agreeing to deal with Wang Chong and Zhang Liyu strictly.

Wang Chong reviewed the whole incident, even if this kind of thing happened again, with his character, he would still operate like this. Someone must have figured out Wang Chong's character, made a stumbling block, set up this game, and asked him to jump inside. However, Zhang Liyu is innocent, thinking of this, Wang Chong stood up and said, "I am willing to take all the responsibility for this matter, it has nothing to do with Zhang Liyu, please consider it at the discretion of the leaders." ”

Song Ting said politely, "This kind of thing, it's not your turn to speak." How to deal with it, we have our own measure. ”

Liao Xingguo said to Sun Zhengbin, "Make a meeting minutes, and I will report to President Lin later." The results will be notified separately after President Lin decides. Meeting. ”

This meeting can be regarded as a meeting before accountability, and after Lin Tianhua's instructions, there will be a formal accountability meeting, but these are just formalities.

Everyone left the venue one after another, Wang Chong sat in the conference room in a daze, and Liu Jianguo said before going out, "If you can't bear it, you will make a big plan." Li Youtian patted Wang Chong on the shoulder before leaving, and whispered, "Have a chance to call President Lin." ”

Wang Chong felt a little angry. The biggest hidden danger of this matter lies in Sheng Hongfei, now he has given up holding accountable, and the line can completely push the boat down the river, turn the big thing into a small matter, treat this matter as a negligent act, take a simple treatment, and the accountability office can issue a rectification notice. However, the industry convened four special meetings of the leaders of the industry, and even Gu Tiande, who took advantage of the advantage and had the responsibility to push, jumped out and took the initiative to bear the fault, there must be something in this.

However, Wang Chong did not feel wronged, he had already thought of the consequences before doing this.