Wang Chong said to Zhang Feifei, "Didn't I tell you, sit quietly and think about yourself, don't talk about others, do your own things, don't keep thinking about some gossip and lace, it's not good for your career." ”

Zhang Feifei retorted: "Master, don't you always teach us that as a banker, no matter how we look at problems or people, we should obtain sufficient information from multiple angles and channels, analyze and use it, and make the fairest judgment......?

Wang Chong interrupted: "I didn't ask you to say more. Okay, since you are so idle, here is a notice from the Donghua Banking Regulatory Bureau, which is about further deepening the rectification of the chaos in the banking market. ”

When Zhang Feifei heard this, he couldn't wait to give himself a slap in the face, he was very serious about his work, but he hated dealing with official documents and writing reports the most, he raised his hand and said, "Master, I was wrong." ”

"What's wrong with you, you've been with me for more than a month, and you've learned to refute me with my words. ”

"Is this the legendary way of giving back to the other?"

Wang Chong said angrily: "You have seen too much martial arts, right?" He took out an A4 piece of paper from his desk, which listed some of the key points and main measures for rectifying the chaos in the market, "Look, the outline is listed for you, study it carefully, and give me the first draft tomorrow morning." ”

Zhang Feifei said: "It's only been half a day, Master, I recently talked about a girlfriend, and I have to go on a date in the evening, can you give two days?"

"Oh, you're in love?"

Zhang Feifei said, "Didn't you say that you often think about yourself when you sit quietly, and don't talk about others, you have also become gossip?"

Wang Chong didn't expect this kid to be learning and selling, waiting for him here, and wanted to fight: "Get out, give it to me early the day after tomorrow." ”

Zhang Feifei reluctantly took it and walked out.

During this time, Zhang Feifei followed him to learn business and made great progress, but as a grassroots employee, it is not enough to just do business, but more importantly, to grasp the entire industry and understand regulatory policies. Wang Chong felt that although this guy was willing to endure hardships, he lacked systematic learning and understanding of the entire industry, and what he learned in school before obviously could not meet the needs of his career promotion, so he deliberately let him get in touch with these things, so as to achieve the purpose of further training him.

Ma Xiaoxiao's new "Xiaoxiao talks about finance" column in the "Donghua Daily", the first issue of which was written about the maintenance of personal credit, different from didactic articles, the column used easy-to-understand language and a large number of cases, popularized the basic knowledge of credit in simple terms, and was widely praised by the society, and even praised by the Propaganda Department, and asked to write more common sense about inclusive finance, which made Ma Xiaoxiao very encouraged.

However, this incident made Wang Chong bitter. In addition to the work of the bank, now Wang Chong has another task, to provide Ma Xiaoxiao with column selection materials and cases, fortunately, Wang Chong has been in the industry for so many years and has accumulated a lot of dry goods, so that Ma Xiaoxiao will not have nothing to write.

Lin Tianhua sat in his office, he had just come from the city government to attend the city's financial work conference. Recently, the central bank has issued a series of policies in disguise, but the overall economic situation is not optimistic, and the released liquidity has flowed to the real estate market and capital market, while the real economy is struggling. At the meeting, Vice Mayor Li, who is in charge of economy and finance, repeatedly stressed that major banks should support the local real economy, and should vigorously support large customers in the city, and absolutely cannot withdraw loans, and stressed that this is a political task.

After the meeting, Vice Mayor Li interviewed Lin Tianhua alone, saying that Tianma Group's imminent maturity of a 600 million yuan corporate financing is about to face an unmanageable risk, and bluntly asked Lin Tianhua to continue to increase the credit of Tianma Group, otherwise Tianma Group will have systemic risks, which will cause a devastating blow to the city's economy. The State-owned Assets Supervision and Administration Commission (SASAC) and China Merchants are the largest shareholders of the bank, accounting for one-third of the board of directors, which puts Mr. Lin under pressure. Especially next year, Donghua Bank will be listed, and the assessment indicators at the end of the year must not be too ugly, but through this investigation, he is not optimistic about the asset quality of the entire Donghua Bank, although the non-performing rate on the 1104 statement is less than 2%, but in fact, some restructured loans and manual intervention loans are not counted, if the loans overdue for more than 90 days are counted, the real non-performing rate is more than 6%.

There are two documents on the table, one of which is a discussion draft of a "Proposal on Deepening the Reform of the Business Unit System" that he asked the Strategic Planning Department and McKinsey to co-author. Donghua Bank carried out a business unit reform three years ago, but the overall reform effect was not good. In addition to changing the names of various departments, the specific operation and authorization still follow the original management model, and the reason why it has not been promoted is related to the struggle between various forces in the industry. After a long period of struggle, the two factions of Xindonghua and Laochengxin gradually reached a balance and tacit understanding and restrained each other. Although Lin Tianhua was very strong, he still felt a little powerless.

Reform is looking for death, and not reforming is waiting for death. Originally, Lin Tianhua wanted to reshuffle the distribution of power of the entire Donghua Bank and firmly control the entire Donghua Bank in his hands through this reform department adjustment and authorization change. However, after the proposal was submitted to the board of directors, there was no follow-up, neither affirmation nor veto, let alone the matter of the board of directors.

Since the top management does not support it, Yilin Tianhua's character will definitely not compromise, he needs a brave man who can fight well to break the balance of power within Donghua Bank, and this person is Wang Chong.

The other document is a top-secret document, which records the investigation report that Zhou Yuntao's credit was tampered with.

Not long ago, with the help of special credit investigation inspection and comprehensive investigation of case prevention, Lin Tianhua instructed to investigate when Zhou Yuntao's credit record of the Chengdong Branch was modified. After Wang Chong went to find Zhou Yuntao, the next day, someone logged in to the credit entry pre-approval system and deleted the record of Zhou Yuntao's manual intervention in credit reporting, but this record was recorded by the background log of the Ministry of Science and Technology, and it was determined that the person who modified it was Gai Shujie of the Credit Review Department.

Lin Tianhua was not impressed by Gai Shujie, this person had been in the Pujiang branch, he was cautious, his business ability was not outstanding, but he basically did not make a mistake, he was a mediocre employee, he had the authority to modify the data, but if he was not instructed by the high-level and gave him a hundred guts, he would not dare to do so.

Lin Tianhua dialed Wang Chong's phone: "Do you know about Gai Shujie?"

Wang Chong replied: "When I first joined the company, I spent some time with him in the Pujiang branch, and I didn't know him very well, what's wrong with Lin Xing?"

"I found someone to investigate, and Zhou Yuntao's credit record was modified by him. ”

Wang Chong was a little surprised, "How is this possible? This person is usually silent, very cautious in doing things, afraid of making mistakes and taking responsibility, and later came to the credit review department of the head office, when I dealt with him, he didn't even say a word out loud, for fear of offending people." ”

"And who do you think might possibly make him do this?"

Wang Chong thought for a while, "Why don't I talk to him?"

Lin Tianhua denied this suggestion, "Don't startle the snake, I'll think of a way." By the way, I have read the risk investigation report of the credit department of your Chengdong Branch, and the investigation is very thorough, and the problem is fully exposed, but it is not enough to find out, and we must do a good job of prevention. ”

Wang Chong said: "I am also aware of this, during this period of time, I will follow a little closer, and then visit the venture companies on the spot, and strive to eliminate the risk in Sumeru." ”

"When I called, there was one more thing. ”

"President Lin, please command. ”

Lin Tianhua said: "The municipal government arranged for us to add 650 million credit to Tianma Group, I thought about it, it is more appropriate for you to do this business." ”

Wang Chong shouted on the other end of the phone: "Lin Xing, such a large amount of business is beyond the authority of our Chengdong Branch?

Lin Tianhua pretended to be unhappy and said, "You don't have to worry about the issue of permission, you just need to do a good job of preliminary credit investigation." ”

Wang Chong is still reluctant to take over: "Tianma Group, I have understood, last year helped several companies to carry bad debts, the external debt has been close to 10 billion, our bank has given them 1 billion credit, now they are too big to lose, I do not recommend intervening in this business." ”

Lin Tianhua said angrily: "This is a political task. If I can't do it, I don't have to be the president of the bank, and you don't have to be the director of the business department. Do you have faith?"

Wang Chong said: "To be honest, I really don't have much confidence. ”

"If you don't have confidence, you have to do it, execution!"

Wang Chong said: "Yes!"

"Later, I asked Kang Shaojie to give you the contact information of their financing department, and you can contact again, and you will find out before the end of the year. ”

Wang Chong secretly thought, "to be completed before the end of the year" This sentence is worth pondering, on the one hand, it is necessary to do it for them, on the other hand, it is not in a hurry, it seems that Lin Tianhua is not willing to do this business, but the superior leaders arranged it, and if it is not implemented, it is a wrong route, and the implementation is not in place, that is a problem of ability.

"It's making me sloppy. Wang Chong thought to himself, but Wang Chong is not a person with this kind of character, if he is replaced by Kang Shaojie, there must be a way to deal with this situation, "It seems that I have to find Kang Shaojie to learn from the scriptures." ”

Gu Tiande asked the driver to park the car in the special parking space for the cash car and get out of the car. At noon, he invited Liang Youwei of the institution department to eat, drank half a catty of Moutai, and then gave a foot massage and came to the bank with a hint of alcohol.

When he learned the news, the head office arranged for Wang Chong to do the loan of Tianma Group, but Lin Tianhua bypassed him and didn't even have a connection, and directly arranged this work to Wang Chong, which made Gu Tiande a little annoyed. The two security guards were smoking at the door, and when they saw Gu Tiande, they were so frightened that they held the cigarette in their hands and said respectfully: "Gu Xinghao." ”

Gu Tiande calmly faced and came to the business hall, it was more than two o'clock in the afternoon, there were no customers in the business hall, Gu Tiande turned around, and said to a few tellers on the counter: "How are these green plants maintained? Why is there so much dust on the leaves?"

Several people were so frightened that their faces changed greatly, and when they saw Gu Tiande, they were full of alcohol, and they didn't dare to speak, for fear of making him angry. Gu Tiande had a calm face and said to Luo Su'e, who was sorting out the summons: "You have to take care of the sales department." ”

Luo Su'e said in a low voice: "Yes, Gu Xing." ”

Gu Tiande said: "You come to my office." ”

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