After returning from the meeting of the head office, Wang Chong found that the business hall of the branch was full of customers waiting to withdraw money.

Wang Chong was a little puzzled and asked: "Didn't you just transfer 2 million in cash yesterday, why do you want to transfer it again today? Why are so many people withdrawing cash recently?"

Shang Qingshan said, "Isn't it approaching the end of the year, and the number of people withdrawing cash will increase at this time of year." “

Now the electronic means of payment are very rich, there are online banking, WeChat, Alipay and other channels, usually the Chengdong branch of the cash business is not much, but there is also seasonal, especially at the end of the year, the cash business increased sharply. First, because the bank is not open during the Spring Festival, everyone is generally accustomed to taking a part of the cash, the second is to visit relatives and friends during the Spring Festival, and the red envelopes need to be wrapped in cash, and the third is that at the end of the year, some projects need to settle the wages of migrant workers, and these people are generally mostly cash.

Wang Chong was not very familiar with the cash business before, and when Shang Qingshan explained the reason to him, he signed the transfer form, "Voluntary deposits, free withdrawals", and he had no reason to stop it.

At the end of the year, this time was not particularly busy, Wang Chong finally had the opportunity to breathe a sigh of relief and began to prepare for the New Year's goods to go home for the New Year, especially this year Ma Xiaoxiao also went back, Wang Chong called home in advance, and his parents were very happy, and asked Ma Xiaoxiao what he liked to eat for a few days, and prepared in advance.

At this time, Zhang Feifei walked in and said, "President Wang, something happened to the Tianma Group." ”

Wang Chong looked up, "What's wrong?"

Zhang Feifei opened his mobile phone, flipped through the circle of friends, and handed it to Wang Chong, "This morning, more than 200 farmer brothers blocked the door of Tianma Group to ask for wages, and it was quite lively. It is said that the police have been dispatched, and Qi Beiwang, the son of Qi Zhongyuan, got married today, but because of this incident, the wedding was postponed. ”

Wang Chong stood up and said, "Let's go, go over and have a look." ”

Zhang Feifei said: "What is there to see here?"

Wang Chong tapped him lightly on the head, "Post-loan management." ”

According to the general rules of credit, after the loan is put in, it is necessary to supervise the whole process of the customer's operation, if there is a risk warning, it is necessary to obtain information in the first time.

At the entrance of the Tianma Group building, more than 100 migrant workers gathered in the dark, blocking the entire gate, and even making it difficult for people to enter and exit. These contractors waited for the money to settle accounts for their downstream customers and pay migrant workers' salaries, but they couldn't get the money, and they negotiated with the financial manager of Tianma Group for a few days to no avail.

The so-called asking for an explanation is asking for money. However, Qi Zhongyuan issued an order to suspend the payment of these payments, Qi Zhongyuan and Qi Beiwang didn't have to pay attention to these things, but Zhao Xiaocheng was so busy that he called a few contract foremen over, "Several, our Tianma Group is not relying on your accounts, isn't this the end of the year, we have all closed our accounts, can we wait for the next year to calculate these money?" ”

One person said: "Director Zhao, we don't want to do this either, we are considerate of you, but who understands me? Look at these farmer brothers, they have been busy working for our Tianma Group for more than half a year, and they can't get the money at the end of the year, how can they go home for the New Year? This is fortunate that they gave me face, otherwise these people would not be able to say if they robbed my house." ”

Another person: "Brother Zhao, we also have more than 2 million project funds here, when I took over our project, I smashed the pot and sold iron, and borrowed money from the loan shark, these days they always have three or four people follow me every day, eat with me, sleep with me, make me almost schizophrenic, you give a little bit of allocation, so that this year will be passed." ”

Zhao Xiaocheng had no choice, he went to ask Qi Zhongyuan's assistant, and the assistant said that he was fishing in Huxin Pavilion today, and he didn't see outsiders.

In recent years, the state has issued regulations that migrant workers cannot be owed wages, and in this stall, Tianma Group has made such a scene, and the government office has called to ask what is going on, and Director Zhao has to prevaricate and say that he is coordinating the payment.

Several police officers are maintaining order and ensuring that there is no violence. However, the migrant workers who blocked the door stopped doing it, and after a morning, seeing that there was no movement on the side of the Tianma Group, they picked up stones and bricks and threw them into the factory, and a few people tried to break the gate of the Tianma Group, but were stopped by the police.

Of course, Qi Zhongyuan did not fish, at this moment he had already appeared in the municipal government office, and asked Mayor Li for assistance, Mayor Li called the director of the Municipal Human Resources and Social Security Bureau, asking for special funds to assist, the Human Resources and Social Security Bureau did not agree, and suggested that part of the loan from the bank should be guaranteed.

The municipal government had no choice but to notify the presidents of the eight banks in Donghua City that had credit to Tianma Group to call over for a meeting, asking the banks to urgently extend an additional credit of 10 million yuan to Tianma Group to pay the wages of migrant workers, and the Human Resources and Social Security Bureau would guarantee these loans. The banks complained, Tianma Group is now heavily in debt, and the current income can barely pay the bank interest, and then increase the credit amount, which is tantamount to drinking water to quench thirst, but the mayor spoke, and the bank refused to listen, so they came up with a compromise solution, the major banks granted credit to the Human Resources and Social Security Bureau, and the Human Resources and Social Security Bureau provided financial support to Tianma Group.

Although this kind of operation is somewhat illegal, it is also a helpless solution. At two o'clock in the afternoon, all 80 million funds arrived, and under the instruction of Qi Zhongyuan, Zhao Xiaocheng only wrote 30 million checks, and the remaining 50 million was used as working capital for the group.

When Wang Chong arrived at Tianma Group, the migrant workers blocking the door gradually dispersed, but found that there were some peers in the crowd. The four major banks, the Rural Commercial Bank, Minfeng, and several directors or business presidents of the credit department of the China Commercial Bank all gathered together to chat.

Unlike the three major telecom operators competing for customers and making the relationship incompatible, banking business is not a zero-sum game, and the relationship between the major banks is relatively harmonious, and the financial circle is small, many middle and high-level people are moving between banks, and many of them are former colleagues, who have close contacts on weekdays, and often get together to share information and risks.

Wang Chong went over to greet a few people, among whom Liu Shuitian, the president of Minfeng Bank, was originally Wang Chong's colleague and had a good relationship with Wang Chong, and when he saw Wang Chong coming, he said with a smile: "I heard that you also jumped into this fire pit a year ago?"

Minfeng Bank has granted more than one billion credit to Tianma Group, and it has a relatively good understanding of the overall operation of Tianma, so it has such a question.

Wang Chong smiled bitterly, "It's hard to say." ”

People from several other banks also said: "President Wang, you Donghua Bank are really our white knights." ”

This is true, although Donghua Bank is extremely reluctant to intervene in this business, but if it does not intervene, Tianma Group has a debt default a year ago, when they fell into the quagmire, and the banks are also unlucky, Donghua Bank's more than 600 million into the market, at least can help Tianma Group continue its life for a year, and it can be regarded as extending a helping hand to peers.

Enterprises and banks are both prosperous and lossy, and after a few words of chat, several people quickly become difficult brothers. And no matter what you say in the future, let's talk about the past year first, maybe next year, the central bank's policy will be loosened, and credit will be increased, and these companies may have a glimmer of life?

Liu Shuitian said: "No matter what, let's talk about this year first." ”

Liu Shuitian pulled Wang Chong aside, handed over a cigarette, and the two lit it, Liu Shuitian asked, "How are your benefits this year?"

Wang Chong said, "It's okay, it's basically the goal, and the year-end distribution is less than 200,000." ”

Liu Shuitian was a little envious, "It's much better than our Minfeng Bank, the situation has been bad recently, and some of our corporate bad loans have begun to pop up, if there is another problem with Tianma Group, it is estimated that we will all be laid off." If I had known this, I wouldn't have jumped to Minfeng back then. ”

Wang Chong has heard that since the second half of last year, the credit quality of Minfeng Bank has taken a sharp turn for the worse, and they have done more loans to small and micro enterprises.

Large enterprises can still rely on government relations, as well as bank relations, can be delayed by increasing the credit line for a few years, small enterprises have a weak ability to resist risks, many enterprises have died in this round of economic cycle adjustment, the original evaluation of a small and medium-sized enterprises, are how much annual income, how much annual profits, now the bank evaluation of a good enterprise, can repay the loan interest, can pay the wages of workers is a good enterprise.

For example, today's Tianma Group made trouble this time, but fortunately the government coordinated the funds, otherwise these enterprises downstream of them are likely to not even be able to open next year, and in the end, it is the people who will suffer and suffer.

Wang Chong asked, "What, President Liu, do you want to go back to Donghua Bank again?"

Liu Shuitian waved his hand, "I had an unpleasant quarrel with President Liu back then, I didn't bring humiliation on myself when I went back, I still stayed here, let's take a step at a time, our bank is used to living a good life, just endure the hard days, maybe next year's policy adjustment." ”

Everyone dispersed, and Liu Shuitian also said goodbye and wanted to go back to sort out the report. Wang Chong didn't leave, called Zhao Xiaocheng, and said, "Director Zhao, we want to visit Chairman Qi." ”

Zhao Xiaocheng hesitated, "Our chairman is a little busy today. ”

Wang Chong smiled slightly, "Director Zhao, this kind of thing happened to your company today, we are here to do post-loan management, and by the way, to do your company's credit rating investigation in our bank, I have long heard the name of Chairman Qi, and I would like you to inform you." ”

Enterprise credit rating is generally a third-party credit rating agency on the enterprise's operation, financial situation, profitability of a comprehensive rating, as a reference for the banking industry to enterprise credit, in addition, the banking financial institutions also conduct an overall assessment of the credit enterprise, this evaluation results directly affect whether the enterprise loan can be renewed after maturity, whether to compress the principal, etc.

It stands to reason that Wang Chong is the president of the Chengdong Branch, and he came to see Qi Zhongyuan with his rank, and Qi Zhongyuan didn't have to pay attention to it, but first, Qi Zhongyuan had heard of Wang Chong, but he hadn't seen it, and he was a little curious about him, and secondly, if he offended Wang Chong, if he downgraded the credit rating of Tianma Group, it would have an adverse impact on the next step of the company's operation, so he still received Wang Chong and his party in his office.

"I have long heard that there is a president of Donghua Bank, young and promising, vigorous and resolute, and when I saw it today, it really deserved its reputation, and I have admired it for a long time!" Qi Zhongyuan saw Wang Chong and Zhang Feifei coming, and got up to greet him with a smile.

Wang Chong saw that Qi Zhongyuan was not good-looking, not tall, wearing a cotton coat, speaking amiably, without a little arrogance, at first glance he looked no different from the old man in the village, the only difference was that his eyes seemed to be very penetrating, and he could see through people at a glance.

Wang Chong arched his hand, "Mr. Qi, Wang Chong came to disturb me today, please forgive me." ”

"Where is President Wang, haha, your Donghua Bank is our gold master, come to the Humble House, it's too late for us to welcome, please take a seat!" Zhao Xiaocheng consciously sat down next to him, boiled water, cleaned up the tea set, and helped the old man make tea.

Wang Chong thanked the tea and looked at Qi Zhongyuan's office.

The office is nearly 100 square meters, the decoration is antique, the tea table and the tea table are made of old agarwood, exuding a faint fragrance, which looks like it has been some years. The desks and bookcases are all large-fruited red sandalwood, simple and simple, and there is no messy carved patterns.

Wang Chong took a sip of tea and said, "The old man is so Yaxing!"

Qi Zhongyuan laughed and said, "I was a private teacher back then, but I was dismissed in the early nineties and went to the sea to do business.

Wang Chong looked up, just to see the middle wall, hanging a plaque, it is Cao Cao's "Short Song Xing", the word is six feet square, framed up about eight feet in size, the payment is an alias, there is only one private chapter and a few elegant chapters, the font is clumsy, non-Kai non-subordinate, also Kai also subordinate, the penmanship square with a circle, hearty and interesting, the attitude is strange, it is the two in the big planing penmanship.

Although Wang Chong is not proficient in calligraphy, his appreciation ability is there, and he can see at a glance that this character is written by Liu Jianguo, he pretended not to know, and said: "This character is so strange, it looks extremely ugly, but the whole is thick and neutral, it is really unusual." ”

Qi Zhongyuan said with a smile, "Speaking of which, I have a relationship with this painting, last year I went to Hong Kong to discuss business, and when I saw this painting in the exhibition hall, I was itchy and couldn't bear it, so I bought it." ”

Wang Chong remembered that Liu Jianguo had a pair of words that were auctioned off by a calligraphy and painting store in Hong Kong for 500,000 yuan, as if it was this "Short Song Xing", and secretly wrote it down in his heart, and after a few comments, he diverted the topic.

A few people sat down for a moment, Qi Zhongyuan introduced the fortune experience of Tianma Group, and then recounted the future strategic planning, full of confidence in the prospects of the entire Tianma Group, Wang Chong noticed that Zhao Xiaocheng looked bitter when he heard this, but casually echoed a few times, and in the blink of an eye, more than half an hour passed, Qi Zhongyuan's assistant came to remind him that there would be a meeting later, Wang Chong got up and said goodbye.

Qi Zhongyuan said: "Regarding the credit rating, you can just connect with Director Zhao, and if you encounter any difficulties, come to me directly." Having said that, until he left, Qi Zhongyuan didn't even hand Wang Chong a business card.

Out of Tianma Group, Zhang Feifei said: "Tianma Group has external debts of nearly 20 billion, diversified investment, have lost leading projects, and the construction project occupies a lot of funds, in my eyes has been like a leaky freighter in the sea, can it sail to the key point is still difficult to say, where does this old man come from, next year is ready to buy land, on the project?"

Wang Chong said with some approval, "In the past six months or so, my ability has grown a lot, and I can see the essence through the phenomenon." Not bad!"

Zhang Feifei was a little arrogant and said, "That's it, don't look at whose apprentice I am." ”

Wang Chong said, "Then you should analyze it, why did he continue?"

"He is just painting a cake for us, so that we can increase our confidence in their group, and the company can achieve this magnitude, the annual income may not cover the expenditure, only through the purchase of land, projects, can we raise more funds in the bank, so as to maintain the company. ”

Wang Chong asked, "Can we give them financing?" ”

Zhang Feifei knew that Wang Chong was deliberately testing him, and analyzed: "Our bank has been kidnapped by enterprises, and if we want the other party to continue to maintain it, we can only continue to increase credit to them, otherwise what awaits us will be a large-scale non-performing loan, and our bank and the enterprise will be finished together! Over the years, they have used our money, and their interest is also lent to them by us." What's more, if we don't give them a loan, tens of thousands of employees will lose their jobs, will the government agree?"

Wang Chong nodded, Zhang Feifei's progress is obvious to all, his vision is not bad, and it is natural to give him an advanced rating, Wang Chong then asked: "Then what should I do?"

Zhang Feifei said: "Tianma Group is like a balloon, the more it blows, the bigger it gets, one day it will burst when it reaches a critical value, if it is me, I have to find a way to deflate, close some unprofitable projects, sell some assets and subsidiaries, and look back to the origin of the real economy, maybe there is a fight." ”

Wang Chong shook his head, "You have no problem with your analysis, Qi Zhongyuan is such a big boss, how can he not know this truth? However, it is easier said than done, not to mention anything else, just the news of packaging and selling assets is enough to suspend the trading of several of their listed companies." ”

Zhang Feifei wondered, "Then what should I do?"

Wang Chong sighed, "Dead." ”

"Then why don't they just hold on and sit still?"

Wang Chong smiled and did not answer. This matter is a dead end for Tianma Group, but for Qi Zhongyuan and the top management of the group, this is not the case, over the years, Tianma Group has borrowed more than 20 billion loans from banks, and how much can really be used physically, I am afraid only they know it. No matter how short of money the Tianma Group is, Qi Zhongyuan will not be short of money.

Wang Chong has investigated, Zhao Xiaocheng alone has three villas, countless commercial houses, and five or six companies under his son's name, which took over the project from Tianma Group, and then subcontracted it out, making a lot of money, and the money is not all loaned to Tianma Group from the bank.

When he got home, Wang Chong turned on the computer and went to check the Hengyuan calligraphy and painting store in Hong Kong on the Internet, and found that it was just a registered leather bag company, and searched for the news of the calligraphy and painting store with some related words, and found that in the past few years, this calligraphy and painting store has only auctioned some calligraphy and painting works from several auctions in Donghua City. Wang Chongyou changed a few keywords, only to find out that the legal person of this calligraphy and painting store and a director of Tianma Group were actually the same person.

Wang Chong was taken aback in his heart, Liu Jianguo has made a lot of money by selling calligraphy works over the years, and a large part of it comes from this calligraphy and painting shop, that is to say, the so-called pen polishing fees are actually secretly funded by Tianma Group. Although there is no conclusive evidence, it can be inferred from some clues that this is basically the case. Unexpectedly, Liu Jianguo, who single-handedly promoted himself, actually accepted bribes from Tianma Group in private. It is no wonder that after Tianma Group raised the Donghua Bank, it nominated Liu Jianguo as a director, and tried to push Lin Tianhua out of Malaysia through the board of directors election.

Wang Chong knows the seriousness of the matter, if this matter is exposed, the top management of Donghua Bank is suspected of economic crimes, and the blow to the entire Donghua Bank will be huge, not to mention the listing, the huge fine of the Banking Regulatory Bureau alone is enough to make Donghua Bank fall into the quagmire. Wang Chong hesitated a little, does Lin Tianhua know about this matter?

Lin Tianhua is in a high position, and he has recently suppressed Liu Jianguo's faction. After that board meeting, the so-called New Donghua faction and the Old City Xin faction, under Lin Tianhu's strong intervention, have long since disappeared. In the past, Lin Tianhua knew about the existence of these "two factions", and he had not taken action, but once he was allowed to seize the opportunity, it was a thunderous method. Although Lin Tianhua is strong, his mind is very meticulous, he plans and then acts, and his recent series of actions have impressed Wang Chong.

Wang Chong sorted out his thoughts and decided not to tell Lin Tianhua. First, with his identity, he is not able to participate in this kind of struggle, and second, this matter is only Wang Chong's speculation, and there is no conclusive evidence, Wang Chong is not a person who chews the root of his tongue, and there is no need to use this means to curry favor with Lin Tianhua, or to express his heartfelt heart to Lin Tianhua.

In the last two days before the Spring Festival, there was not much to do in the industry, Ma Xiaoxiao also worked overtime continuously, and finished writing the next three issues of the column in one go, and the two finally had time to hang out.

Even so, Ma Xiaoxiao was still a little worried, "Wang Chong, do I want to buy them some other gifts?"

Wang Chong smiled and said, "I will take you home, which is the best gift." ”

Ma Xiaoxiao's face turned red and said with a smile, "You have learned to be poor recently." ”

Wang Chong laughed, "Should I have a stiff face like a piece of wood, would you like me like this?"

Ma Xiaoxiao said in a low voice: "As long as it's you, no matter what it looks like, I like it." ”