"If you can't listen to others, the guarantor has the responsibilities and obligations of the guarantor, and you can protect the relevant provisions of the law, and the guarantor shall not bear civil liability under one of the following circumstances: the parties to the main contract collude to deceive the guarantor to provide a guarantee. ()+◆, the creditor of the main contract uses fraud and coercion to make the guarantor provide the guarantee contrary to its true intentions. If there is a reason in this regard, you can complain to the relevant authorities. Qiu Weiqiang said.

"I don't have this, but I'm still not happy in my heart, I can't waste my money in vain, so I'm really unwilling. Li Zhong said.

"It is undeniable that you have signed the loan contract and the guarantee procedures are legal, and you should fulfill the responsibilities of the guarantor. Qiu Weiqiang said.

Li Zhong scratched his scalp and didn't speak, he was still a little hesitant in his heart, and Xu Feng's heart was even more anxious, for fear that he would change his mind, otherwise this trip would be in vain.

"We are also fulfilling our responsibilities, if you have any questions, you can go to the relevant departments for consultation. Qiu Weiqiang said.

This was putting pressure on Li Zhong to do everything he could to dispel his concerns and repay the loan. Li Zhong felt that there was no way out, and if he didn't repay the loan, he would definitely not be able to get by, and said: "The words have been said about this, so I have nothing to say, forget it, I should be unlucky in this life, and I have nothing to do to guarantee people, but I have found trouble for myself, and I will pay off all the loans today, so that you will come to me every day in the future, and my heart is also steady." Then he took out cash and handed it to Qiu Weiqiang.

"Brother Li, this is the best, it fully reflects your good reputation, and you can come to you if you lack funds in the future. If you meet the conditions, you will give your full support. Qiu Weiqiang said and issued him a loan recovery certificate.

"Today's harvest is not small. The principal and interest of the loan of 10,000 yuan were recovered. Qiu Weiqiang said happily.

"Yours is the real thing. After pondering his psychology, he finally got the loan back. If I can't, those few words are enough, and I'm so angry that I'll already go back. Xu Feng said.

"We have to have a certain amount of patience in this business, we can't do it without patience, there will be a lot of such things in the future, we must not make a big fuss, once you give up that day, it will be more difficult to take it back in the future. This is also a psychological struggle, so we must persevere to the end. Qiu Weiqiang said.

"Where are we going next?" Xu Feng said. I was also happy to recover the principal and interest of the 10,000 yuan loan, and I wanted to go to the next stop.

"It's not too early, I still have some information to fill in after I go back, so I'll end here today, and we'll go home in a while." Qiu Weiqiang said.

Back in the business room, Qiu Weiqiang put the loan back into the account, Cheng Li said: "Today's effect is good, and I have recovered a sluggish loan, and the results are great." ”

"This is all Director Qiu's effective working methods. I would have taken back the loan, if I would never have been able to do it. Xu Feng said.

"You've just done credit work. There is a way that everything is difficult at the beginning, and there will be results with experience in the future. Cheng Li said.

"As long as you work hard and do your job as a priority, you will definitely get good results. Qiu Weiqiang said.

On duty at night, Xu Feng and Chen Zihao talked about what they saw and heard today, and what they saw and heard today, credit work was completely different from what he imagined, and they still needed to study hard if they wanted to do a good job in this industry.

"If you want to do a good job in credit, you really need to learn and experience. Chen Zihao said.

"I used to think that credit work was very simple, but today I went to the countryside for the first time, and I felt that credit work was difficult. Xu Feng said.

"Don't worry, if you are familiar with the work and have more experience, you will be able to do the work handy. Chen Zihao said.

As a result of the reform of the wage system and the implementation of the performance-based remuneration system and the 10,000-yuan salary system, we have given everyone a mechanism of fair competition and remuneration according to work, broken the big pot of rice, overcome egalitarianism, and solved the disadvantages of doing more and doing less and having the same quality, which has played a positive role in mobilizing the enthusiasm of workers, speeding up the development of commercial banks, and increasing the expansion of credit scale.

"Now loan officers all have a common idea, that is, if you want to earn more wages, you need to charge more interest on loans, and if you want to charge more interest, you need to lend more. Gu Xihua said.

"Lending is a normal business scope, but we must adhere to the premise of safety to speed up the flow of funds, so as to achieve benefits. In the work, we must always adhere to the principle of not judging heroes according to temporary success or failure, vigorously refrain from short-term behavior, engage in personal achievements, blindly enlarge the amount of large households, and bring potential risks to credit funds. Chen Zihao said.

Banks are a special industry that deals in money, and they must be constrained by strict policies and principles, as well as internal rules and regulations, and every credit officer is responsible for issuing loans to invigorate the urban and rural economies. Loan officers all have some credit power in their hands. In the work, often encounter some pressure and intervention from all sides, will affect the normal credit decision-making, the principle of personal self-interest system often fights, the credit officer must have a high sense of responsibility, put the safety of funds in the first place, the collective interests in a qiē, to dare to adhere to the principle, the use of various methods to resolve the pressure and intervention, must not be unprincipled all obey, a large stroke of the pen to cause losses to credit funds, such loss of principle will cause undue damage to the collective individual and others.

Credit work is not only a simple collection and release, but also the enthusiasm of loan officers in every loan business. Through the work of a loan officer, to send warmth to thousands of households, we must always maintain a sense of responsibility and mission. In credit work, we should have the attitude of preferring to trouble me ten times rather than let customers be dissatisfied once, publicize the credit policy, interest rate policy, handling procedures, and the emphasis on credit to every household, and women and children know about it, so as to form a good credit atmosphere, and at the same time serve thousands of households to develop the economy, and at the same time, receive good social benefits, unit benefits, and their own benefits.

"In credit work, we must also remember the ten precepts, and we must not take half a step beyond the thunder pool. Gu Xihua said.

As the saying goes, eating people with soft mouths, taking people with short hands, collecting money from people, and eliminating disasters for others is a kind of utilization relationship. You can't put a small leather bag, there is wine and cigarettes, one end of the shot glass, and the system is all forgotten. Drunk dizzy, anything can be done, you must not eat and do nothing, eat and do things randomly, now the system is strict, and you have to compensate for the losses. Power should not be used as a tool for personal gain. If we do not tighten this string, we will be easily corroded, easily follow the wrong path, and make mistakes, and we will lose the most precious things and have a bad impact on units and individuals.

"A person's mistake can create a smear on the image of a commercial bank, and a loan officer will also cause a misstep into a thousand years of hatred, leaving helplessness and regret in life. Chen Zihao said.

Establish good professional ethics, so that the power is used by the people, the feelings are related to the people, the interests are sought by the people, the loan is honest, the two sleeves are clean, the steel and iron bones are cast, and the corrosion is never stained. Often walking along the river is not to wet shoes, abide by the gentleman's love for money, take it in a good way, ill-gotten gains, do not stretch out your hand, stretch out your hand will be caught. This is also a kind of image of a business house, not being a slave to money. Resolutely do not spend money that should not be spent, do not do what should not be done, stick to a psychological line of defense, do not participate in card gambling, talk about pomp, show off, and blindly compare with each other.

Loan officers in the work practice, often encounter a lot of confusion and contradictions, these confusion is helpless and at a loss, then these contradictions are reflected in the leadership and the led, friends and system principles, rights and responsibilities, services and interests, etc., if can not be correctly grasped, a slight slack or deviation, there will be one or the other, at least the delay of work, the heavy will cause asset losses. The pen in the hands of the loan officer weighs a thousand pounds, it is not an exaggeration at all, how can we hold this pen well, use this pen well, how can we be in this system, policy principles, human affection, family affection, rights, interests, benefits and other intertwined contradictions, and a series of intertwined contradictions, stand firm, and always be invincible.

Relying solely on some simple and extensive practical experience that they have mastered and accumulated in the past to control the overall situation of credit work in the new era will sometimes be inadequate, which will affect the steady development and miss the great development opportunity. Credit officers change their concepts, be solid and serious, find gaps, make up for what they lack, and quickly set off a school of politics, laws and regulations, business methodology, management, and life, and strengthen learning, improve their quality and self-cultivation, unify their thoughts to serve the people through entrepreneurship, establish life goals, and be a loan officer with ideals, morality, ability, level and awareness, and do a good job in credit work.

Do dedication and love the post, improve the business ability, dedication and love and business ability are complementary to each other, advocating dedication and love the post, this is a work attitude problem, dedication is more important than love the post, the two are a whole, can not be split by the will, some of the comrades in the office loan staff work easily and want to be a loan officer, that is just love the post, not dedication, the credit officer dedication and love is the premise, is the source of power to do a good job in credit work, and a high level of business ability is the basis of dedication and love, no business ability of dedication and love is just an empty word, dedication is morality, ability is talent, only with both ability and political integrity, in order to achieve the effect of wanting to do what can be doneThe credit work engaged in will be step by step, step by step, step by step step forward. On the contrary, no matter how great the ability is, it will not be used by the firm, and if you are bent on pulling the wrong way and going off the rails, it will be counterproductive and may become a person abandoned by the firm. (To be continued......)