Two hours ago, the large conference room of the Bank of Tung Wwa.

Lin Tianhua walked in with a gloomy face. He had just received a call from Li Yongjun, the deputy mayor of the municipal government in charge of the economy, who had made a request to increase the credit of 1 billion yuan to Tianma Group, and he was in a very bad mood. Although Vice Mayor Li said that it was just matchmaking, and whether the specific loan or not should be handled according to the requirements of your bank, the weight of this call was far heavier than what he said.

Tianma Group is a large taxpayer in Donghua, and now has a credit of 800 million yuan in Donghua Bank, but Lin Tianhua believes that they are expanding too rapidly and diversifying their operations are too scattered, especially the recent new tire project, which has been investigated by the anti-dumping investigation in the North American market and fallen into the quagmire, so Lin Tianhua is reluctant to continue to increase credit. However, since it was the city leader who called, Lin Tianhua didn't say anything to death, but just replied that he would think about it.

The third quarter business analysis meeting and the fourth quarter business meeting were held today, and the president's office, finance department, operation department, front desk seven marketing departments plus the presidents of thirteen sub-branches were present at the meeting.

Liu Xiao, assistant to the general manager of the Ministry of Planning and Finance, was reporting on the operation of the third quarter, and when he saw President Lin coming in, his voice became cautious.

"In the third quarter, the balance of deposits was 51.729 billion yuan, the balance of loans was 33.57 billion yuan, and the operating income was 1.74 billion yuan, of which interest income was 2.76 billion yuan, intermediate business income was 60 million yuan, and interest expenses were 1.08 billion yuan. Operating expenses were RMB1.336 billion, including taxes and surcharges of RMB120 million, operating and management expenses of RMB560 million, and asset impairment losses of RMB656 million. In summary, the net profit in the third quarter was 403 million yuan, and the budget target was 50.3%......"

Lin Tianhua knocked on the table and interrupted Liu Xiao's report.

Lin Tianhua stood up and said as he walked around the conference room, "The situation is very grim, comrades! What is the profit target set by the board of directors for the listing of Donghua Bank next year? 800 million? We have only completed half of it, and there is still one quarter to go, do you have any confidence in achieving a net profit of 400 million yuan?"

A few replies in the conference room said yes. Lin Tianhua patted the table and said, "I can't hear it, is there it?" Everyone immediately straightened their chests and shouted loudly, "Have confidence!" Lin Tianhua then asked loudly, "How to do it?"

It's one thing for everyone to bow their heads and shout slogans, but it's another thing to really take action. According to the current business situation, it is not surprising that the net profit will be about 600 million by the end of the year, and the difference between these two hundred million yuan cannot be completed by shouting slogans.

Lin Tianhua said loudly, "You don't say it, then I'll tell you!"

Next, Lin Tianhua's almost roaring voice filled every corner of the conference room, he stood up, and every time he walked in front of a department or branch, he issued a group of deposits, loans, non-performing collections, and intermediate business indicators.

"The intermediate business income should be increased by 50 million on the basis of the existing target, 40 million in the investment banking department, and 10 million in other channels and settlement departments. ”

Li Youtian said, "Please rest assured, President Lin." ”

Lin Tianhua said, "Nowadays, the capital market is volatile, and I hope that the investment banking department can seize the opportunities and opportunities and fight a few beautiful battles, but to avoid the regulatory red line, you know what to do and what not to do." ”

The boss of the investment banking department said, "President Lin, in recent times, the market has been volatile, and the overnight and seven-day call rates of SHIBOR have repeatedly climbed to new highs, which shows that there is a big problem with the liquidity of the banking industry, and we believe that the market risk in the fourth quarter is relatively large, and the central bank may shrink monetary policy, and we recommend implementing a conservative investment strategy." ”

Lin Tianhua shouted, "Risk? Our bank operates risk! Risk is opportunity, our bank spends millions a year to hire you, not for you to tell me about risk! Conservative? I lead a dog from the door, and it will also make conservative investments!"

Lin Tianhua was a little hysterical, he never saved face for his subordinates at his meetings, and the boss of the investment banking department consciously kept his mouth shut.

The crowd burst into laughter.

Lin Tianhua said, "What's so funny? What is the pursuit of our commercial banks, is scale, and profit, and what are the employees are pursuing, that is, money, money! As long as you create profits for the bank, we will absolutely not treat any meritorious person badly." Donghua Bank doesn't need to eat employees waiting to die!"

"Our bank has to open up both open source and reduce expenditure, and there is a gap of 15 million, which is saved for me from operating expenses. The ratio of people to cabinets (the ratio of counter staff to the number of counters) has been reduced to 1.3 for me, and there are also entertainment expenses for each branch, which saves some money. ”

Song Ting, the financial director, hurriedly recorded it.

A branch president said, "The cost of hospitality in the branch is already very stretched, and near the end of the year, there are many people to visit and move around the yamen, and the above inspection needs to be received, and the relationship between the county and the city is also to deal with the expenses, if it is compressed, I am afraid it will affect the enthusiasm of employees." ”

Lin Tianhua sneered, "I wonder, isn't the 100,000 yuan per month entertainment expenses enough for you to squander? A few days ago, I also saw an audit report, a branch has six official cars, 24 wheels, and a year to change 80 tires, so many tires, have you all eaten? There is also a branch, you have to drink 80 bottles of Lao Baigan and so much wine for a reception, and you have enough to take a bath! I wonder how your finances have been reviewed when such a reimbursement form is mentioned?"

The general manager of the finance department was so frightened that he didn't dare to make a sound.

Clear-eyed people know that this kind of reimbursement must be problematic, Donghua Bank's budget implements classified management, and some branches do not have enough business development expenses, so they try to find ways to make up for the basic operating expenses, and list the entertainment expenses and maintenance expenses as expenditures, but it is not to "eat" the tires. In addition, Donghua Bank stipulates that the wine used for hospitality shall not exceed 200 yuan, but in the actual entertainment, Moutai and Wuliangye are the standard equipment, and many branches dismantle a bottle of Moutai into ten bottles of Lao Baigan for reimbursement when reporting accounts. These are very common accounting procedures of branches, but some branches do not consider reasonableness when operating, resulting in such jokes.

"You branch presidents are really good at playing, I went down with President Liao to investigate, but eat a bowl of noodles, stir-fry two green vegetables, a few days ago the head office of the institutional department went down, and it is Moutai Wuliangye, and it is a bathing center, our team of Donghua Bank, is it so unbearable?"

Everyone looked at Liang Youwei, the general manager of the institutional department, it was not a good thing to be named by Lin Tianhua, and everyone was a little gloating.

Liang Youwei raised his hand, and said a little wrongly, "President Lin, we went to the bathing center at our own expense." The matter of drinking Moutai, it's not me alone, everyone goes down to ......"

Li Youtian scolded, "Shut up!"

Fortunately, this is a business analysis meeting, Lin Tianhua did not pursue it, and then aimed at the presidents of the thirteen branches here, he said loudly, "10 billion deposits, 7 billion loans, according to the beginning of the year of each branch target in equal proportion, the completion of the target will be rewarded, the first at the end of the year, promoted to the assistant to the president of the head office, the year-end performance that cannot be completed is suspended, the last two branch presidents at the end of the year, you yourself come to see me with the resignation report." Questions?"

Gu Tiande was the first to stand up and said, "Guarantee to complete the task!" The other branch presidents also expressed their stance that they must vigorously cooperate with the goals of the board of directors and complete the tasks assigned by President Lin.

Lin Tianhua said so much in one breath before he sat back in his seat. The team members, the discipline inspection office, and the manpower stayed, and the rest of the people dispersed, and Director Li later sent the meeting memorandum to all departments and the supervision department. ”

Everyone got up and left the conference room, and before leaving, they all set their seats in place. Lin Tianhua was very strict about this kind of detail, and there was a meeting in which a department leader left the venue without a seat, and was criticized by the whole bank and fined 3,000 yuan, which made him disgraced.

Lin Tianhua lit a cigarette and calmed down.

Donghua Bank implements a smoking ban, as long as it is caught, the first time it will be deducted from its performance for one month, the second time it will be demoted, and the third time it will be expelled, but this smoking ban will not be effective for high-level personnel, among the leaders of several banks, Liu Jianguo and Liao Xingguo are big smokers, and every time they preside over a meeting, the conference room is full of smoke.

At the team meeting, Lin Tianhua's tone was relatively calm, after all, they are all senior executives of Donghua Bank, and they are not ordinary people who can sit in this position, he said slowly, "Next, let's discuss the handling of violations by Wang Chong, general manager of the small and micro business department. ”

Gu Tiande did not leave after the meeting, but stayed in the head office building and visited various departments and departments. Every time he came to the head office for a meeting, he would take this opportunity to contact the bigwigs of the head office, as well as some employees, and often bring some small sendwells to give away. Gu Tiande believes that when there is nothing to ask for, giving people a small favor is a way to win people with the highest input-output ratio.

Although the emperor is far away in the branch, except for the regular meeting once a week, he doesn't have to look at Lin Tianhua's face to act the rest of the time, but the shortcomings are also obvious, that is, the information is not grasped in a timely manner, so Gu Tiande often chats with these people, and sometimes the information that is inadvertently revealed will be of great help to himself.

Today, Gu Tiande is looking for Liang Youwei of the Institutional Department, both of whom have worked in the Dayi County Branch before, and the relationship is quite good. Today, Lin Tianhua named Liang Youwei, which made him very faceless, so after the meeting ended, he rushed into his office.

Liang Youwei saw Gu Tiande come in, and handed over a cigarette, Gu Tiande pointed upstairs, and said that President Lin didn't have a smoking ban. Liang Youwei was already angry, and when he heard the words, he scolded, "Fuck the smoking ban, he doesn't smoke himself?" Only the state officials are allowed to set fires, and the people are not allowed to light lamps......"

Gu Tiande said, "President Lin didn't mean to ......"

Liang Youwei said angrily, "What is not intentional, I have given so many examples, only the fucking mention of my name, I am a normal man, hundreds of miles away from home, I can't go back home a few times a year, what's wrong with me going to the bathing center, did I issue an invoice for reimbursement? I can't pay for it myself? He is clearly retaliating!"

"What retaliation?"

Liang Youwei said, "Don't you know? Not long ago, an interim board of directors was convened to evaluate the achievement of the annual assessment indicators, and several directors believed that Lin Tianhua could not lead the whole bank to complete the established business goals, and forced Lin Tianhua to make a military order, if he could not complete the task, he would resign to the board of directors. Hmph, don't look at him tossing so much today, wait until the beginning of next year, it's not certain whether he can do this position. ”

Gu Tiande suddenly realized.

Liang Youwei is the nephew of Director Liang Meng, Director Liang and Lin Tianhua do not have a good relationship, but they are both members of the board of directors, and the two of them will not tear their faces, but they will beat Liang Youwei at leisure, and by the way, they will disgust Liang Meng, and Lin Tianhua can do it.

The equity relationship of Donghua Bank is complex, among the top ten shareholders, the largest is the Municipal State-owned Assets Supervision and Administration Commission and the Finance Bureau, China Merchants Bureau, the three together account for more than 30% of the shares, and the remaining shareholders account for more than 5%, are well-known local enterprises, groups and listed companies, it is worth mentioning that Tianma Group also has 4.9% of the shares in Donghua Bank, but they do not have a seat on the board of directors.

At this time, Gu Tiande's text message rang, he glanced down at the news, saw Wang Chong's transfer arrangement, and almost jumped up excitedly, if it weren't for Liang Youwei, he would be dancing. I can't help but sigh in my heart, the sky has eyes, what is more refreshing in the world than taking one's "enemy" as a subordinate?

The fly in the ointment is that this time Wang Chong was only administratively demoted and there was no disciplinary punishment, but this treatment can be regarded as a bad breath for him.

Now that this guy is in his hands, he is like a dough, he can knead it as much as he wants, "Haha!" Gu Tiande laughed out loud.

Liang Youwei didn't know why and asked him what he was laughing at. Gu Tiande said happily, "Wang Chong has been transferred to the Chengdong Branch. Liang Youwei said, "I knew that I could be promoted by doing a fight, and I wanted to come once." So congratulations on my promotion?"

"Eh......" Gu Tiande said in a long voice, "To be precise, Wang Chong was transferred to the Chengdong Branch as the director of the second credit department, and the administration was demoted by one level." Liang Youwei said, "Then congratulations to the old brother for his revenge." Wang Chong's kid was stunned, he spoke urgently, and he had a little talent, no one in his eyes, I already knew that something would happen to him, but I didn't expect retribution to come so quickly. ”

Gu Tiande said that I had to rush back to the meeting, so I hurriedly left.