When Wang Chong received a call from Lin Tianhua, the president of Donghua Bank, he was in Luohu, Shenzhen, to attend the 60th birthday of his mentor, Luo Zhisen, an economist at HKU University. This was planned two months ago, for which he took two days of annual leave for the first time in three years, and together with the National Day, he could make up for a week, and he could catch up with his mentor and old classmates.

Lin Tianhua knew about this vacation, if there was no special thing in the industry, Lin Tianhua would not make this call. On the other side of the phone, Lin Tianhua asked, "Where are you?"

"Customs clearance. Wang Chong replied truthfully.

Lin Tianhua said: "The holiday is canceled, you come back immediately." Governor Lee will give you a briefing later. With that, he hung up the phone. President Lin's phone call has always been simple and irrefutable, and Wang Chong has become accustomed to it over the years.

After a while, Li Youtian, the vice president in charge of business, called over, "Xinfu New Energy has a problem." ”

Wang Chong frowned, he had the impression that this loan was the business of Gu Tiande of the Chengdong Branch, in March last year, Xinfu New Energy borrowed 2 million yuan in the Chengdong Branch, and after it expired in March this year, it could not be returned, and it has been more than 180 days.

Today is the last day of the third quarter, and if the loan enters the doubtful classification, a 150% loss provision will be made. Originally, Donghua Bank's loan scale of 33.5 billion yuan, such a loan is not a problem, but now Donghua Bank's non-performing loans are 669 million, if you count these two million, just over 2%, this indicator is absolutely unacceptable to the management of Donghua Bank, which intends to go public next year. (Note)

Wang Chong asked, "As a result of communicating with Zhou Yuntao last week, didn't you agree to repay the loan at the end of the month? Moreover, this loan is the business of the Chengdong Branch, would it be more appropriate for President Gu to come forward?" Vice President Li Youtian is in charge of business and is Wang Chong's direct leader, and there are some things that Wang Chong and Lin Tianhua are not easy to argue with, but they are not so restrained with Vice President Li.

Li Youtian said, "Gu Tiande sent their account manager Zhang Feifei to collect, that kid has only been working for three months, where can he do this kind of work, Gu Tiande, this old fritter, I don't know where to hide, President Lin named you to come back to deal with this matter." Wang Chong, our bank will be listed next year, and we can't let this loan go bad no matter what!"

Wang Chong was very depressed, he had done this kind of firefighting work countless times, but now he was thousands of miles away, which was obviously a little embarrassing. No wonder some people say that once you enter the bank, you are as deep as the sea, and you are a passerby on vacation. However, in terms of Wang Chong's character, this kind of thing will never be said at most.

Wang Chong thought for a moment and said, "I can do it, but I also have to be prepared for both." ”

Wang Chong's meaning is very clear, for this kind of non-performing loans, there are many ways to deal with it, the most common is to increase the credit line for other companies, so that they can digest the loan. Or, register a shell company, issue a loan, and take on this non-performing loan, but the recent regulatory authorities have strictly investigated, and once it is verified, it is a sky-high fine, and the risk and cost are a bit large.

Li Youtian said, "You don't need to talk about this, I won't talk about it, come back quickly." Governor Lin is going to have a meeting. ”

Wang Chong knows Lin Tianhua very well, this president is a workaholic, some strong, not the same, and even a little arrogant. Once at an executive meeting, a branch president was five minutes late, Lin Tianhua directly threw his conference table sign in the trash can and removed his stool, but the poor branch president stood for a three-hour meeting.

Wang Chong took a deep breath and officially entered the working state.

He called Zhao Ying, the administrative staff of the department, "Book me the earliest ticket from Shenzhen to Donghua, and pick me up at Donghua Airport with Liu Mingliang before three o'clock in the afternoon." He called Liu Mingming, the account manager of the department, "Collect all the information of Xinfu New Energy for me, including loan application information, the latest credit information, litigation information, and account flow, the more complete the better." It would be better if you could get his call logs. ”

Wang Chong originally wanted to remind Zhao Ying and ask her to bring her work uniform, but Zhao Ying was always careful and thoughtful, so she didn't call again. He flipped through the phone book for a moment and found the phone number of Ma Xiaoxiao, a classmate in "Donghua Daily", and after dialing, the phone was busy.

It didn't take long for Ma Xiaoxiao to call back, and said with a smile: "President Wang, what are your instructions? Is it that there is no beautiful woman to accompany you on the trip to Hong Kong, and you want to help me with a gift? ”

Now Wang Chong is the general manager of the small and micro business department of Donghua Bank, every time she sees Ma Xiaoxiao, she calls President Wang, and over time, Wang Chong has become accustomed to it.

Wang Chong said, "Big reporter, I can't afford such an expensive thing. ”

"If you don't come to this set, a person with an annual salary of 400,000 can't afford to buy a bag?"

Wang Chong saw her talking away, and said, "I haven't arrived in Hong Kong yet, so I won't be called back." Looking for you to have a serious matter, I remember that you interviewed Zhou Yuntao, the boss of Xinfu New Energy, how do you feel about this person?"

Ma Xiaoxiao was a little unhappy, "Why are you mentioning him, this person is a womanizer, he has been staring at my chest during the interview, if it weren't for the above explanation, I wouldn't have bothered to do his interview." ”

Wang Chong said, "A man will look at you!"

Ma Xiaoxiao scolded the hooligans and said, "If you want to see it, then it's another matter." ”

Wang Chong was a little overwhelmed and got down to business!

Ma Xiaoxiao said, "He has a lot of connections in the government, and his company's new energy projects receive financial subsidies of no less than 5 million yuan every year." It is said that this guy has a junior outside, and he almost divorced his wife for this. ”

Wang Chong asked her to check on this lover, and Ma Xiaoxiao opened her mouth and asked, "I'll help you check, what's the benefit?"

Wang Chong said that we have had a revolutionary friendship for more than ten years, and it is a bit cheesy to talk about benefits. Ma Xiaoxiao scolded a stingy ghost and said, "You always have to invite a meal, right? It just so happened that one of our old classmates came back, and you came back on the National Day to get together together." Wang Chong asked who it was, and Ma Xiaoxiao smiled, "Sell it, you will know when you see it." ”

After hanging up the phone, Wang Chong received the flight information from Zhao Ying: the flight at half past twelve at noon, the flight information CAXXX, I wanted to book the first class, but the boss did not approve it, and ordered the business class, warm reminder: There is light rain today, and there is a grimace in the back.

Wang Chong stopped a taxi, hurried to Bao'an Airport, before boarding, Wang Chong received Liu Mingming's WeChat sent Xinfu new energy information, Wang Chong took a cursory look, replied, and continued to add.

There was a roar, and the Airbus A320 plane rushed into the sky, and the sound of the air flow caused the fuselage to jolt.

Wang Chong's face was a little pale. He has been afraid of heights since he was a child, so he generally travels, if it is not necessary, he rarely takes a plane, and today he took two planes in a row, which made his body a little unbearable, and he almost vomited, even if there was a flight attendant's heavenly broadcast voice, reminding passengers that this is just an ordinary air current, and there is no danger, this situation is still not improving, he took out the vomit bag and put it in front of him, just in case.

Wang Chong wanted to take advantage of the two-hour flight to study the materials of Xinfu New Energy, but he only looked at it twice, and the physical discomfort made him dizzy, so he leaned back on the back seat and closed his eyes to recuperate. Suddenly, someone shouted, "Manager Wang!"

Wang Chong saw that it was Zhao Xiaocheng, the financing director of Tianma Group, and with him was a foreigner in his forties and fifties, as well as three or four Hong Kong people in suits and leather shoes.

Tianma Group is one of the three largest group companies in Donghua City, with three or four listed companies, paying more than one billion yuan in taxes to the city every year, and is a major taxpayer in the city.

Chairman Qi Zhongyuan is more than 60 years old, when he was a private teacher, so poor that he couldn't even marry his daughter-in-law, after the restructuring in the nineties, he went to the sea to do business, borrowed the spring breeze of reform, contracted an almost bankrupt restructuring textile factory, started from scratch, more than 20 years down, the group has become a collection of textile, real estate, non-ferrous metals, investment in one of the group, there are more than a dozen subsidiaries, nearly 20,000 employees. Today, the overall business of Tianma Group has been handed over to the family management, and there are only two jobs left for him: asking for land from the government and asking for money from the bank.

The financing department is one of the largest departments of the Tianma Group, and it is said that there are more than 200 people. Zhao Xiaocheng, the financing director, is Qi Zhongyuan's confidant and his right-hand man, Wang Chong has been in the company's business department, and Zhao Xiaocheng has met a few times, but he didn't expect Zhao Xiaocheng to recognize him. The two greeted each other and chatted a few words.

Tianma's listed company, Tianma Copper, is preparing to raise funds in Hong Kong, and these people are invited from Hong Kong to study the delegation. Wang Chongxin said that with their pomp, they should be the first class, Zhao Xiaocheng seemed to see Wang Chong's doubts, and inadvertently explained that the itinerary was in a hurry, and the first class had been sold out.

Zhao Xiaocheng handed Wang Chong a business card and said, "In the near future, Tianma Group is going to apply for a loan from your bank, and I'm afraid it will trouble my brother." Wait for my brother to be free, brother, I will have a treat in Xinghua Tiandi!"

Wang Chong smiled and said, "I'm afraid that Mr. Zhao has visited the wrong temple, this kind of company business, you have to invite Mr. Kang of our company department." Besides, we bankers are forbidden to enter and leave such places. "Zhao Xiaocheng said that I spent my own money, and I didn't eat and drink with public money, what are you afraid of.

Wang Chong had to smile, as the manager of the business department, he never accepted the customer's invitation, encountered a meal that must be eaten, generally settled the account in advance, he is determined to play a world in this industry, has always believed that "a gentleman loves money and takes it in the right way", in this regard, he is very cautious.

The two chatted for a while, Wang Chong's face was very embarrassed, and after Zhao Xiaocheng learned that he was airsick, he didn't bother anymore and chatted with the people of the inspection group.

Wang Chong turned on the music, closed his eyes and recuperated himself, playing HedyWest's "500milesawayfromhome" on a loop, the soothing music made him feel less bored, but only reminded him of homesickness. His hometown is a small mountain village in Hanjiang Province, when he was a child, his family was poor, and there was no electricity in the village when he was in junior high school.

At that time, Donghua Bank was not restructured, it was still an urban credit cooperative, and eight years later, he had established himself in Donghua City, and now at the age of 32, he has become the general manager of the small and micro business department of the head office. In the past eight years, I have spent less than 20 days at home with my parents every year, and I have made up my mind that no matter what, I will take a few more days off this year and take my parents to Hainan for a trip.

After thinking about it, Wang Chong fell asleep, until the plane began to tremble violently, and the voice of the flight attendant came from his ears, "Passengers, the plane has arrived in Donghua City, there is thunder and lightning weather in Donghua today, due to weather reasons, the plane cannot land, we will land in Linhu City, I apologize for the inconvenience caused to you!"

Wang Chong was in a hurry, it was already three o'clock in the afternoon, it would take at least an hour's drive from Linhu to Donghua, and when he landed, he would notify Zhao Ying that they would rush over, it would be at least five o'clock, and there was not much time left for Wang Chong. The plane turned around and flew towards Linhu Airport, which was also covered with dark clouds, but fortunately there was no thunderstorm layer, and after 20 minutes, the plane landed smoothly at Linhu Airport.

After turning on the machine, Wang Chong received a text message that Zhao Ying had already made an appointment for him to take a car from Donghua to Linhu. Zhao Xiaocheng got off the plane together, their group has a branch in Linhu, and as soon as they got off the car, they asked the other party to send a car, Wang Chong refused the suggestion of their peers, hurriedly jumped into the car, and flew to Donghua City at the fastest speed.

Wang Chong began to read the messages sent by Liu Mingliang and Ma Xiaoxiao. This company was established only three or four years, mainly doing rural photovoltaic power generation projects, it stands to reason that there is a national policy to support, if this kind of project is promoted, the profit is not bad, but Zhou Yuntao is not so responsible for the person, loan to buy luxury cars, last year to raise the junior, just the breakup fee paid more than two million.

There are reports about Zhou Yuntao found on the Internet, litigation information found on the legal document network, license plates under his name, mobile phone numbers, bank statements, etc. Wang Chong is an account manager, and he has an innate keen sense of smell for these intricate information, and suddenly, his eyes lit up and he found a clue.

Wang Chong flipped out his phone and made a few calls.

Entering Donghua City, the wind was fierce, the dark clouds in the sky were rolling, lightning and thunder roared, like a roaring beast, the sound was irritating, but the rain never fell.

At 4:20, Wang Chong let the car drive directly to the Chuangye Building, where Zhao Ying, Liu Mingliang and Zhang Feifei of the Chengdong Branch were already waiting. Not surprisingly, Zhao Ying had already brought Wang Chong's uniform over, Wang Chong and Zhang Feifei learned about the collection situation in the morning, and Zhang Feifei stammered for a long time.

The four of them exchanged a little, took the elevator directly, and went to the seventeenth floor of the Chuangye Building, Donghua Xinfu New Energy Co., Ltd.

The front desk manager stopped and asked, "Who are you looking for?"

Wang Chong said, "I'm looking for you Chairman Zhou Yuntao." ”

The manager said, "Our Mr. Zhou is not in the company, why don't you come back another day?"

Wang Chong asked, "The yellow Camaro with the tail number 888 downstairs is your Mr. Zhou's car?"

The manager was hesitant, Wang Chong led people directly to the chairman's office, pushed open the door, Zhou Yuntao and three friends were playing tea, heard movement, and looked at the door.

The front desk said with an aggrieved face, "Mr. Zhou, these people are coming to you, and I can't stop them." ”

Zhou Yuntao didn't know Wang Chong, but he knew Zhang Feifei, and when he saw the people from Donghua Bank coming to the door again, his face was very unhappy, "Why are you here again? I am discussing important matters with several leaders in the city here, if there is anything, I will talk about it tomorrow!"

Wang Chong strode forward, came to Zhou Yuntao, and said to several guests, "Hello guests, I am Wang Chong, an employee of Donghua Bank, I am sorry to inform you, today's tea party is over, creditors first!"

Syllable!

Zhou Yuntao was furious and poured a glass of water on Wang Chong's face.

Note: According to the overdue time and asset quality, the loan form is divided into five levels: normal, concern, subordinated, doubtful, and loss. In addition, bank KPIs are complex, especially when it comes to liquidity, core capital adequacy ratio, loan provisions, etc., which are complex to explain, and I have simplified them in the book.