Zhao Xiaocheng was so shrewd that he captured the information of his discord with Wang Chong from Gu Tiande's words, but he didn't say it.

Chinese pay attention to a rank equal, the president Lin Tianhua level has the chairman and city leaders to deal with, Gu Tiande's side by their own coping, leveling Lin Tianhua and Gu Tiande, even if Wang Chong's side is a little tricky, it should not be a problem, Zhao Xiaocheng thought.

Starlight World is one of the most luxurious restaurants in Donghua City, although after the central government's eight regulations came out, this kind of luxury hotel business is difficult to do, but there are still many guests to come. The guests who come here to eat are either rich or expensive, and when they reach this level, what they come here to eat is not food, but identity and face.

Zhao Xiaocheng's meal is a bloody meal, one Australian six-head abalone per person, chicken pot with golden hook wings, stinging cucumber, etc., originally Gu Tiande was looking to go to work in the afternoon and drink some red wine, how could Zhao Xiaocheng let go of this opportunity and directly opened Feitian Moutai.

Zhao Xiaocheng came to Gu Tiande, and while he hadn't drunk too much, he said, "President Gu, it's almost the end of the year, does our branch have any deposit tasks?"

Although this sentence was asked knowingly, it successfully aroused Gu Tiande's heart. Not long ago, Gu Tiande and Wang Chong had a gambling contract of 200 million yuan, and in the past month, Wang Chong has done a good job with the business department, as well as Liu Xueyi's full acceptance, and has completed more than 100 million yuan.

Hearing Zhao Xiaocheng's words, Gu Tiande sighed and said: "How can there be none? It is difficult for enterprises, and it is even more difficult for banks, every day's work is to make deposits, deposits and deposits, you are the uncle when you lend loans, and you have to be a grandson when you pull deposits." ”

Zhao Xiaocheng said: "Although Tianma Group has not had a lot of funds recently, if you want to talk about deposits, maybe you can cooperate and help a little." ”

Gu Tiande secretly pondered, although the Tianma Group encountered a payment crisis, but after all, it was an aircraft carrier-level group company, the skinny camel was bigger than the horse, and there was a gambling contract with Wang Chong, although neither party mentioned it afterwards, Wang Chong secretly worked hard, if he could suppress him in the deposit, he could also suppress his domineering momentum, so he said, "Then dare to be good, I don't know how to cooperate?"

Zhao Xiaocheng picked up his wine glass, "Then go first, I'll do it, you feel free." ”

The two clinked glasses, Zhao Xiaocheng drank the wine in one gulp, although Gu Tiande liked to drink, but he had never seen such a crisp one, so he also did it.

Zhao Xiaocheng said: "Isn't this going to be the end of the year, a listed company in our group that produces polyethylene will face an audit immediately, the report data is not very good, we want to help make an order through a brother company, help go through the account, and return the goods after the reporting period, but we need the help of your bank, what do you think?"

Gu Tiande knows that the capital supervision of listed companies is very strict, and this kind of accounting treatment is also common in business operations, and the usual practice is that Tianma Group deposits a full amount of margin as a guarantee, and then puts an equal amount of loan to the purchaser through Donghua Bank, and is entrusted to pay Tianma Group, which is equivalent to inflating an order.

With only a small amount of interest and taxes, a part of the company's operating income is added to the company's statement, and the bank receives deposits, which is a win-win situation for both the bank and the company.

Gu Tiande asked, "What is the order amount?"

Zhao Xiaocheng said: "Two hundred million, we will deposit the full margin." However, we are a listed company, and we can't sign a guarantee contract for this kind of thing, otherwise the CSRC will impose a heavy penalty if it is found out. ”

When Gu Tiande heard the amount of deposit, he was a little moved, "If it really doesn't work, then sign a drawer agreement, as long as the loan is repaid on time, we will not be credited to the credit report." ”

Zhao Xiaocheng knew that the bank assessment pressure was high, and when he put forward this opinion, he had already seen that Gu Tiande was moved, so he said: "At most, a tripartite agreement will be signed, but it must not be made public." ”

Gu Tiande nodded, this kind of business with no exposure to full margin is a low-risk business in the industry, and the approval power is in the branch, without going through the loan review meeting of the head office, but this time the amount is too large, and it exceeds the single approval authorization of the head office for the branch, which is a loophole in the authorization mechanism, Gu Tiande thought about it for a while, and finally couldn't resist the temptation of "200 million deposits", and said, "Okay, this matter is decided." ”

Zhao Xiaocheng laughed and said, "President Gu is really a cheerful person, another drink!"

The two touched another cup, and Zhao Xiaocheng drank it all.

To be able to do the position of financing director, Zhao Xiaocheng's alcohol consumption can be regarded as unfathomable, although Gu Tiande's alcohol consumption is also good, but where have I seen Zhao Xiaocheng's drinking method of one cup at a time, two or two five cups, without eating a few mouthfuls of food, he went down to half a catty of wine.

Li Xiao said with a smile, "Mr. Zhao, let me make a proposal, President Gu supports the work of our Tianma Group so much, I have to do something with President Gu!"

Zhao Xiaocheng said, "Okay, good, I patronized and talked about business, and I snubbed three beauties." From now on, we don't talk about business, we only talk about Fengyue!"

Although Gu Tiande is a veteran of the love field, but there are only many enemies of heroes, under the repeated offensives of Li Xiao and Liu Yao, the defense line was finally lost, and a pound and a half of white wine were swallowed, and the intestines of the flowers were hooked. Seeing Kang Wan sitting there lukewarm, he stepped forward to toast, deliberately took Kang Wan's hand, and said, "Beauty, let's have a drink too!"

Li Xiaodao: "It's not okay to drink so flat, at least have a glass of wine." ”

Kang Wan was a little repulsed by a man who could be her father at this age, and said, "I'm not feeling well today. Gu Tiande was a little unhappy, "Whoever drinks is not comfortable, just accompany me to have a drink." ”

Zhao Xiaocheng also said: "It's just a glass of wine, and it's not for you to sleep with, what are you refusing?"

Kang Wan's face was not good-looking, she broke away from Gu Tiande's hand with all her strength, her strength was not controlled, and she suddenly dragged Gu Tiande to a stagger, and a glass of wine was spilled on the ground.

Seeing this, Zhao Xiaocheng stepped forward and stretched out his hand to give her a slap, "You are still a top student of Donghua University, you can't do such a trivial thing, what kind of financing manager are you?"

Kang Wan covered her face and looked at Zhao Xiaocheng in surprise.

After graduating from Donghua University this year, she was directly hired to the financing department of Tianma Group with a high salary, and was a standard gold collar in the eyes of other students, but after working for more than half a year, only she knows the central acid, thinking of this, tears rolled in her eyes.

"Why don't you apologize?"

Kang Wan helped Gu Tiande up, "President Gu, I'm sorry." ”

Gu Tiande staggered, and said forget it, it's not a big deal. After this incident, everyone had no interest in drinking, Zhao Xiaocheng proposed to sing, Gu Tiande clapped his hands in agreement, Zhao Xiaocheng was afraid that Kang Wan would make any more unpleasant trouble, so he asked her to take a taxi back, he took the other two daughters to KTV, and it didn't end until midnight in the afternoon.

Early the next morning, Zhao Xiaocheng came to visit Gu Tiande alone and sent the project book of the polyethylene company.

Gu Tiande had a dragon and two phoenixes last night, and he was not lightly tossed, and he was still dizzy, and after letting Zhao Xiaocheng in, he said, "Mr. Zhao's work efficiency is quite high." ”

Zhao Xiaocheng said with a smile, "When we do financing, we are racing against time, but then again, my brother was really fierce yesterday." ”

Gu Tiande said, "Don't mention it, I'm old and I can't do it." ”

The man couldn't help but smile when he talked about this topic. Zhao Xiaocheng said: "The matter discussed yesterday, I also want to ask my brother to help me as soon as possible, of course, this help will not be in vain, I asked the chairman, and I also want to take out part of the expenses to thank my brother." ”

Gu Tiande stiffened his face and said, "We are also doing this for the development of the bank, so let's avoid this." ”

"Where is this, business is business, friendship is friendship. Of course, we are all law-abiding citizens, and we must comply with the law in doing things, so I heard that your brother-in-law has opened a wine trading company, and our group is going to purchase 500,000 yuan of red wine from there, and I will ask my brother to help coordinate it when the time comes. ”

Gu Tiande is an old fritter, how could he not know what he meant. This wine trading company was originally a leather bag company opened in the name of his brother-in-law, not to mention the warehouse, and it didn't even have a place to operate, mainly for invoicing and accounting.

At this point, Gu Tiande is much smarter than Li Qingquan, he is a bank, and what he operates is risk, if someone comes to investigate in the future, he can also draw a clear line with this company and separate risks.

Hearing Zhao Xiaocheng's words, Gu Tiande also said: "It's okay, I will help you get a batch of high-quality red wine!"

Zhao Xiaocheng said: "Then brother, you have to worry more!"

……

Enterprise loans, especially those involving group enterprise loans, are different from small and micro loans, and the efficiency of small and micro loans of Donghua Bank has been greatly improved during Wang Chong's tenure as general manager, with an average loan application time of 8.6 working days, which is one of the fastest in the industry.

The enterprise loan, pay more attention to the security of funds, from the loan application, investigation, approval, lending, each link involves a lot of communication and repetition, generally speaking, a project from the project to the credit, less than a month, more than half a year.

Tianma Group's business is hosted by Su Lei, due to the workload is too large, in addition to Zhang Feifei, Wang Chong transferred two account managers to assist in the completion, some of which are key links such as enterprise underwriting, on-site visits, etc., as the head of the department, but also to personally come forward.

On this day, after Wang Chong finished arranging the work of the department, he was about to go out with Su Lei and others, Gu Tiande called Wang Chong to the office, "How is the project of Tianma Group going?"

Wang Chong replied truthfully, "It is still in the stage of collecting information, there are more than a dozen subsidiaries and affiliated companies under the name of Tianma Group, and it will probably take a week to sort out the financial situation between so many enterprises." ”

Gu Tiande handed the project book sent by Zhao Xiaocheng to Wang Chong, and said: "This is about to end the year, and our deposit task is still more than 200 million yuan. If you look at this project, it does not conflict with the project of Shunfa Aluminum, so let's do it together. ”

Wang Chong took a cursory look and understood the purpose of the project.

When combing through the financial reports of Tianma Group, Wang Chong found that Shunfa Aluminum's financial statements were very healthy and the profit margin was good, but this was contrary to the development of the entire industry under the current situation. After the merger of Shunfa Aluminum and the group company, there are always some discrepancies in the data, and I am afraid that Tianma Group is involved in a large number of such false transactions and virtual transactions between affiliated companies.

Gu Tiande asked, "What do you think?"

After the incident of the Bird Breeding Society, Wang Chong has already seen through the nature of this person, he is the head of the business department, if this business wants to be done, it must be agreed by him, but this kind of trade that is obviously contrary to common sense, although there is a full margin, it seems that the risk is very low, but it hides a huge operational risk.

Thinking of this, Wang Chong said: "Gu Xing, I can disagree with this business." ”