His name is Zhao Deshan, many years ago he borrowed 15,000 yuan to build a supermarket, and finally closed down due to poor management, and now he lives by working part-time jobs, but it is not bad, the loan does not owe interest, if he can give the interest today, he will go through the loan procedures again. Qiu Weiqiang said.

When he came to the door, Qiu Weiqiang knocked on the door, and it was a woman who came out to open the door, who was Zhao Deshan's wife.

"Sister-in-law, is Brother Zhao at home?" Qiu Weiqiang asked.

"Come in, at home. Zhao's wife said.

Xu Feng's old house, knowing that his family's economic conditions were not very good, slowly came out of the house with a thin and swarthy man.

"At home, Brother Zhao. Qiu Weiqiang took the initiative to say hello.

"Who should I be, comrade from the firm, come, come into the house and talk. Zhao Deshan said.

The two came to the house, the walls were black, the window glass had not been wiped for many years, the light was very dim, there were a few pieces of dilapidated furniture, among which there was an old small wooden table, and the dishes and chopsticks on it had not yet had time to be cleaned up.

Zhao Deshan seemed a little timid, but he was polite, and he recounted his difficulties helplessly, and finally said, "Don't worry, I will pay it off at the end of the year no matter what." ”

"It's going to get better slowly, I'm here to discuss this loan with you today, and if it's difficult, I'll pay the interest first and go through the loan procedures again." Otherwise, the loan will be overdue and the interest penalty will be added, which will make your burden even greater. Qiu Weiqiang said.

"Well, I couldn't agree more, thank you for taking care of me. Zhao Deshan said.

Qiu Weiqiang then calculated the interest on the loan, Zhao Deshan took out a few crumpled bills from his pocket and paid the interest, Qiu Weiqiang re-handled the loan procedures for him, Zhao Deshan signed the loan contract, and nodded again and again to express his gratitude.

On the way back, Xu Feng said: "How to give him a credit loan, there is not even a guarantor, and it is even more difficult to recover it when it expires." ”

"There's no way but to do it. This is also the reason left over from history, when his supermarket was good, and it was liquidity, so he lent money by credit, who would have thought that he would go out of business, the only thing that was good was that he did not owe interest, but like him. Who will vouch for him, he will have to continue in the old way. Qiu Weiqiang said.

Next, I went to the homes of several families whose loans were about to expire. These people were very polite and promised to repay the loan when it expired, so they didn't have to chase it again.

At this time, Qiu Weiqiang received a notice from the sub-branch to hold an experience exchange meeting on the collection of non-performing loans in the afternoon, and asked the director of the office in charge of field work and the deputy director of the loan officer to participate.

"I got good results this morning, and I have to attend a meeting in the afternoon, so let's go back now." Qiu Weiqiang said.

"Participating in the experience exchange meeting on the collection of non-performing loans, they must have a lot of good experience. Xu Feng said.

"Of course. There are many ways to learn how to collect them, and this opportunity should not be missed. Qiu Weiqiang said.

In the afternoon, Chen Zihao, Qiu Weiqiang and Xu Feng came to the sub-branch on time to participate in the experience exchange meeting on the collection of non-performing loans.

When you see people coming, you become the leader of the branch. Shao Yi, President of the Bank, first made an opening remarks: Since the beginning of this year, the city bank has closely focused on the transformation of business strategy, regarded the collection and disposal of non-performing assets as the top priority of all work, adjusted the business strategy, innovated the collection method, and made the efforts of all cadres and employees. Good results have been achieved in the collection and disposal of non-performing assets. But with the years of harvesting, the battle is getting more and more difficult, and the rest is almost all the bones that are difficult to gnaw, and the effect is often not obvious according to the conventional method of harvesting. The city bank conscientiously summed up the past collection experience, and acted according to the collection idea of one household, one policy, one enterprise, and one party. At the same time, we have achieved good work performance. Due to historical reasons, there are still some problems in the work of clearing non-performing assets, and the storage of non-performing assets has greatly restricted the development of commercial banks, in order to more effectively revitalize non-performing assets. To this end, the Municipal Bank specially organized this experience exchange meeting on the collection of non-performing loans, and the city's experts in clearing non-performing loans taught their work experience, hoping that everyone will study carefully, learn from their valuable experience, and fully apply it to the actual work to ensure the smooth development of the sub-branch's non-performing loan clearance work.

"This meeting is very important, it will effectively promote the smooth development of the work of the city's commercial banks, and the work of cleaning up the non-profit will make great strides, so it is a rare opportunity, please listen carefully. Below, Zhang Maoqi, the captain of the Dayi County Commercial Bank's collection team, made a speech, and in order to express his gratitude to them, we all warmly applauded and welcomed. Li Moran applauded.

Zhang Maoqi stood up and nodded to everyone, and then began to speak, saying: "Qingshou is not afraid of high mountains and steep roads, so why not be afraid of the wind and sleep." Due to the formation of objective factors, the collection work is very difficult, after our usual collection work, to my experience is that there are many ways to collect debts, but in the end it is still two words of hard work, in the process of clearing non-profits, we are not less talking, the road is not less running, no less angry, no less effort, tireless, repeated collection, although after a lot of hardships, but after hard work, finally as desired, the bad loans back. If you want to talk about the things in three days and three nights, I can't finish talking about it, but let's briefly talk about our work for a day before the Spring Festival. In order to communicate with better everyone, throw bricks and lead jade, and do a better job of cleaning up non-profits. ”

In the morning, the president convened the collection team to give a face-to-face lecture: "Approaching the end of the year, it is the time for migrant workers and business people to return to their hometowns, which is very beneficial to us to clear small bad loans. ”

At eight o'clock, a group of 6 people from the collection team drove to the back mountain 30 miles away, and the warm winter day, the sparse wheat fields, and the bare poplar trees flashed by.

Houshan Village is about 10 miles long from east to west, more than 800 people are scattered in the ditch and cliff forks, due to the geographical environment restrictions, the economic development is very backward, it is the poorest village in the county. The poverty alleviation team dispatched by the city once commented: Transportation basically depends on walking, lighting basically depends on oil (kerosene), shouting at people, and public security basically depends on dogs. At that time, the government wanted to help farmers get rid of poverty and become rich, so 60 households were selected to raise sheep and establish a specialized village for animal husbandry. Take the form of a small loan from a commercial bank of 2,000 yuan per household, and the farmers can not see cash, so the township government will send people to the field to buy back the small-tailed Han sheep, 1,000 yuan each, and the farmers will sign the loan contract when they receive the sheep. Who knew that the breed of amniotic water was not adaptable, and some of them died in less than a year, and the survivors did not live very well. In addition, the policy of returning farmland to forests was later implemented, and grazing was not allowed, and the villagers could not make sheep money. The one-year loan could not be repaid, and each family had to renew a loan contract, which was delayed for four years. In November last year, the net was cleared once, and it was difficult to recover more than 40,000 yuan of principal and interest from 20 households.

At around nine o'clock, the collection team came to the house of Wang Qiang, a debtor, and the man did not come back from working in other places, and his wife was at home. Zhang Maoqi explained his intentions, and Wang's wife hurriedly explained: "I have repaid 1,000 yuan last month, and I have a bottom in my heart for the remaining 1,000 yuan. However, it is now the off-season for milk sales, and it cannot be sold at a good price, and the milk processing factory owes the cattle farm money, and I have no choice if he does not give money. With a helpless expression, the wife asked her to lead the cattle farmer to collect the money in person, and the 4-year-old daughter on the side thought that she was going to take her mother away, but suddenly she cried and said that she would not go, and she had no choice but to give up.

The van turned around and drove toward Wang Yuejin's house, and on the road, people were talking about who was the most reliable borrower? Everyone said that Wang Shikuan, the old village head, was the most reliable, and he had not even repaid a penny of principal and interest. When he came to Wang Yuejin's compound, his wife, who was in her 50s, put her hands in her sleeves and said lazily: "My old man went to the field to prune the apple trees. "Rural people have not finished the Lunar New Year, and they still speak in the lunar calendar. She can't say that she is famous, which is equivalent to wasting time, so she has to turn around and leave.

When I came to the home of Liu Ling, director of the Village Women's Federation, I promised to wait for 6 pigs to be sold two months ago, and paid off the 4,000 yuan of principal and interest owed at once. The two circles of pigpens at the root of the courtyard wall were empty, and when a litter of piglets jumped around, everyone was very happy, thinking that they would definitely get the money this time. Who knew that the gate was locked, and there was no one at home at all, but it was carefully found that the mound in front of the courtyard gate had new traces of digging soil, indicating that the owner had just left. I wonder if when the car arrived at the entrance of the village, someone sent her a message, and team member Sun Jianwei joked: "There is no news tree found in the village, how can I know the news quickly." ”

Zhang Maoqi decided to go to other lenders first, and then kill him. The car drove straight to the house of the lender Wang Weihong, and dozens of bags of corn piled under the eaves a month ago were missing and sold. People were overjoyed that this time they had cash, and there was hope of recovering the loans. When Wang Weihong saw the collection team gathered at the gate of the courtyard, he was very embarrassed, and said anxiously: "Don't stand at the gate, come to the house and have something to say." ”

When she came to the house, Wang Weihong hurriedly borrowed Zhang Maoqi's mobile phone to use it, and shouted after pulling it out: "Hey, have your pigs been sold? ”

It turned out that he sold the corn to his brother-in-law who raised pigs, and now the pigs have been sold. Explaining that the money had arrived, in order to be able to recover the loan in time, Zhang Maoqi immediately arranged for the team members to drive closely, and went to his brother-in-law's house 15 miles away with Wang Weihong to withdraw the money, and the rest of the people separately urged other loan debtors. (To be continued.) If you like this work, you are welcome to vote for the recommendation ticket, your support is my biggest motivation. )