When Wang Chong arrived at Lin Tianhua's office, it was 29 minutes after hanging up the phone with Lin Tianhua.

The office was full of smoke, and when Lin Tianhua saw Wang Chong coming, he threw out a soft golden sand and said, "Smoking." ”

Wang Chong declined, "I haven't smoked much recently." ”

Lin Tianhua asked, "Are you quitting smoking?"

Wang Chong smiled bitterly, "To be exact, I can smoke if I want, and if I don't want to smoke, I don't have to worry, I don't have a smoking addiction, and I don't need to quit." ”

Lin Tianhua's face sank, "You mean that my qualitative and perseverance are not as good as yours?" Wang Chonglian didn't dare, Lin Tianhua said: "Then don't talk nonsense, give me a pump!"

Wang Chong had no choice but to light a cigarette and said, "President Lin, you didn't call me here in a hurry so that I could smoke with you, right?"

Lin Tianhua originally wanted to discuss with Wang Chong, but seeing his appearance, he didn't get angry, and scolded, "It's not for your shit, you can't wipe your butt clean, and you make others feces and pee." ”

Wang Chong has been accustomed to Lin Tianhua's way of speaking, and when he held departmental meetings in the past, he often mixed a few words with elegance and vulgarity, ignoring everyone's feelings.

Wang Chong said: "You said it was a matter of sticking it? I reported to you last time, and someone was instructed to frame me." ”

Lin Tianhua looked at him and said, "It's strange, our big manager Wang has always been kind and vengeful, why did he react so calmly this time?"

Wang Chongxin said that Shi Kui and Shi Hu trapped me in injustice, and I didn't want to bring them down, but the other party was mixed up on the road, there were many people, and there was no bottom line, even if he wanted to take revenge, he could only temporarily endure and find an opportunity to hit with a blow. said in his mouth, "If you suffer too much and eat too much, you should know how to converge." ”

Lin Tianhua wanted to come to him, but he deliberately provoked him, but seeing that he was so negative, he said, "This doesn't look like your style?"

Wang Chong was such a smart person, he immediately understood what Lin Tianhua meant, so he asked with a smile: "What does President Lin command, even if he commands." ”

Lin Tianhua extinguished the cigarette butt, walked around the office, and suddenly lowered his voice and asked, "Wang Chong, let me ask you, what do you think of President Youtian and President Jianguo?"

Wang Chong's heart sank, although he rarely participated in factional struggles, but just because he was clean and self-conscious, it didn't mean that he didn't know the situation, Lin Tianhua's question made him more vigilant. Easily evaluate others, especially superiors, and if you don't answer carefully, it's easy to get yourself involved in factional struggles.

Wang Chong pretended to be puzzled and said, "President Lin, I don't understand what you mean. ”

"You are both from the Old City Credit Society, and both of you have been your direct leaders, and recently the bank is preparing to adjust a group of cadres, I would like to hear your evaluation of them. ”

According to the articles of association, the chairman nominates the president, and the president nominates the vice president, but the decision still lies with the board of directors. Lin Tianhua hinted to himself that he was hiding his eyes and ears and deliberately deceiving himself, or telling himself that there was about to make a big move in the industry and that he wanted to move closer to him?

He said solemnly: "President Lin, as a subordinate, it is inconvenient for me to evaluate my superiors. ”

Lin Tianhua said: "Impartial, not humble, Wang Chong, this is the reason why I value you, I heard that our Donghua Bank has some old city letters, new Donghua, it is very lively, have you heard of this matter?"

Wang Chong hesitated in his heart, Lin Tianhua came to himself today, what kind of medicine is sold in the gourd, when the two met before, they basically talked about business, work, and execution, how could they discuss personnel with themselves today?

Wang Chong said: "I have heard a little. ”

"What do you think about this?"

Wang Chong thought for a moment and said: "This is not a good phenomenon, this kind of thing has existed since ancient times, whether it is the Niu Li party dispute, or the dispute between Donglin and the eunuch party, the final result is miserable, although this kind of struggle in our industry is not so serious, but it has also affected some operations in the industry, since President Lin has seen this problem, I believe there should be a way." ”

Factional infighting is generally divided into three stages according to the different forms of struggle.

The first stage is to pass the buck to each other. When there is a problem, both sides do not set out to solve it, but the problem is kicked to the other side and wait to see the other party's joke. In such cases, the upper management can rely on strong administrative means to organize the work.

The second stage is to work against each other. When dealing with things, if you say that the decision is right, the other party will say that it is wrong, and if you say it is wrong, the other party is right, and do not consider the matter itself at all, and oppose it purely for the sake of doing it. If the management makes the right decisions, it can still mediate the relationship.

The third stage is to tear each other down. If you want to do one thing, the other party will do another thing to sabotage, or find a way to stop your action, which is already a sign of entering a dangerous period, and at this point, the management has basically lost control of the situation. Often, it's time for the higher echelons to act accordingly. (Note 1)

In today's Donghua Bank, the struggle between the two factions is in the first and second stages, but there are rare signs of the third stage, which makes Lin Tianhua very vigilant, so there is this temptation of Wang Chong.

Lin Tianhua continued: "However, I heard rumors in the industry that you are the president of the founding of the country, and you have a very close relationship. At the last calligraphy exhibition, you went to give him a platform in private. ”

Wang Chong's heart moved secretly, it seems that these governors have no small means, and they are clear about what they have done and what they have said. He suddenly remembered what Gu Tiande said to him last time, to the effect that I am not smarter than you, but that I can get more information in my position, so as to make more accurate judgments, this is the asymmetry of information.

So he admitted: "The president of the founding of the country used to be my superior, I don't deny this, I went to help him watch the field during the National Day, it was also because of the same interests." However, I, Wang Chong, have never been anyone's people, and if anything, it is also a person from Donghua Bank. ”

Wang Chong has the ability, courage, and means, Lin Tianhua admires him very much, but now the political situation of Donghua Yinghao is very delicate, and there are already some bad remarks circulating in the industry.

When Lin Tianhua heard this, he high-fived and said, "Well said, our Donghua Bank needs people like you who can do things." ”

Wang Chong breathed a sigh of relief and said, "Since this is the case, can the matter of my suspension be revoked?"

Lin Tianhua said, "I may have to wait for two days, why do you want to work so much?"

Wang Chong said with a smile: "White-collar salary, the taste of a vegetarian meal in the corpse position is not pleasant. ”

Lin Tianhua said, "In order to prevent you from going outside to cause trouble, before the results of the investigation come out, you will serve as the special assistant to the president, and I will ask Secretary Li to arrange a seat for you in his office." "Since Wang Chong refuses to get closer to him, let him stay by his side, even if he doesn't express his position, after a while, someone will help him stand in line.

Wang Chong smiled and said, "President Lin, I don't have anything special, can you remove the word 'special'?"

In the banking system, the assistant to the president belongs to the senior management, is a member of the team, appointed by the board of directors and approved by the banking regulatory department. However, the special assistant to the president is just an ordinary administrative position, and to put it bluntly, it can only be regarded as a senior secretary.

Lin Tianhua didn't have a good breath and said, "This request is very special, so it's better to be a special assistant." He handed a pile of thick loan information of Shunfa Aluminum to Wang Chong, "This loan, you have been tracking it for so long before, you are more familiar with it than anyone else, although it is no longer in the project team, but your opinion, I still have to listen to it." ”

Wang Chong saw the dense signatures on it and said, "Now that we have reached this link, what is the use of my opinion? Could it be that President Lin wants to exercise a veto?"

In accordance with the General Principles of Credit Management of Donghua Bank and the Rules of Procedure of the Loan Approval Committee of Donghua Bank, the board of directors grants the president the right of veto on all loan business in the bank, which is only symbolic.

Lin Tianhua said: "You don't need to think about this, you just talk about your professional opinions." ”

Wang Chong flipped through the loan application materials, took a pen and listed the key points on a piece of paper, shook his head while reading, his eyebrows furrowed tightly, Lin Tianhua also found that the situation was wrong, and asked, "What's wrong?"

After more than ten minutes, Wang Chong read the information and said, "There is a problem with this set of loan application materials. ”

"How so?"

Wang Chong analyzed, "I won't talk about small problems and small flaws, there are three main problems:

First, the statements of this set of materials are quite different from our previous financial statements, and there are traces of changes in several core data. I saw the audit report from PricewaterhouseCoopers earlier, but the audit report in this set of materials was replaced by an accounting firm in Donghua City.

The second is the problem of insufficient value of the collateral, the value of the real estate and equipment used in this loan, there is a serious overappraisal in the appraisal report, Shunfa Aluminum is located in a relatively remote location, and the appraisal price per mu of land is 700,000 yuan, which is about to catch up with the price of newly opened real estate in the suburbs. Moreover, as far as I know, the equipment used for mortgage this time has been mortgaged to a financial leasing company, and there is a risk of re-mortgage.

Third, in order to weaken the risk, we proposed that Qi Zhongyuan, chairman of Tianma Group, assume unlimited joint and several guarantees, or that a listed company of the group provide guarantees, but in the application report, no relevant materials were found, which is not a weakening of the risk, but a weakening of the guarantee measures.

These are the three relatively large points, as for the lack of a resolution of the shareholders' meeting to approve the loan, and the incomplete signature of the credit review report, I will not list them one by one. ”

"So what's your opinion?"

Wang Chong said: "For the sake of prudence, do not intervene. ”

Lin Tianhua smiled bitterly, "Why don't I mean that?" But now the situation is different, there are city leaders outside, and there are people in the bank who are fanning the flames on the board of directors. ”

Wang Chong asked, "Didn't Lin Xing propose to suspend equity trading before listing last time?"

Lin Tianhua waved his hand, "Don't mention this." ”

From his tone, Wang Chong guessed that things were not going well, so he asked: "I heard that Tianma Group has reached an equity transfer agreement with Shi Kui, why are they so anxious?"

Lin Tianhua sneered: "Interim Measures for the Management of Equity of Commercial Banks. ”

Wang Chong suddenly realized that now the China Banking Regulatory Commission is preparing to introduce new management measures for the equity of commercial banks, and the draft for soliciting opinions has already been sent several rounds, and this matter has been discussed in the banking circle, among which penetrating management, related party transaction restrictions, equity qualification and other aspects are more strict and harsh.

According to the new regulations, shareholders who hold more than 5% of the shares for the first time will change from the original reporting system to the current approval system, and this process will be extremely long. Tianma Group recently can't wait to buy shares of Donghua Bank at a high price, precisely in order to raise the brand of Donghua Bank before the implementation of the new regulations.

Wang Chong asked, "Then is this loan approved or not?"

Lin Tianhua said: "One word, drag!"

Under pressure from his superiors, Lin Tianhua certainly couldn't delay the loan by inaction, but used a very clever reason, related party transactions and the credit concentration of a single group of customers.

Tianma Group is a minority shareholder of Donghua Bank, so the loan to Shunfa Aluminum is a related party transaction, which needs to be approved by the Related Party Transaction Committee under the board of directors, and the supervision index of the credit concentration of a single group customer of City Commercial Bank is 15%.

Of course, in order to circumvent these problems, there are countless ways to do so in the practical operation of loans, and this loan can be approved by Lin Tianhua. However, Lin Tianhua knows that Tianma Group is a big pit, and its current operation has seriously deteriorated, and if it becomes bad once it intervenes, and the loss provision is made at 150%, Donghua Bank may be in vain this year. It is not certain whether he, the president, can keep it, and the matter of going public is even more distant.

In this way, Lin Tianhua threw the whole problem to the board of directors.

However, Lin Tianhua didn't know that a storm was coming against him.

Note 1: The expression of infighting is an original point of view, and if it is inappropriate, please correct it, and I can continue to improve it.

Note 2: In the modern banking structure, the board of directors has set up various professional committees, among which the related party transaction committee controls the approval of loans to shareholders or persons acting in concert, and the credit concentration of a single group of customers refers to the × of 100% of the net credit/capital of a single group (including affiliated companies), and this regulatory indicator shall not exceed 15%.

Note 3: These chapters are a bit obscure, and the plot of the later stories will increase, and the professionalism will gradually weaken.