"These are just commonplace drizzles, the real hard things are still to come, sometimes we haven't received a penny for a few days, the hard work is not less, the nonsense is not less, the mouth is about to wear out, but there is no effect, I have long been accustomed to it, and you will know it after a long time. Qiu Weiqiang said.

"It's really better to hear than to see, I used to hear that it was difficult to recover loans, but I didn't expect it to be so difficult. Now I know it. Xu Feng said.

"I finally understood, in fact, it was just one of the phenomena, which is not bad, but the real difficulty is still to come. Qiu Weiqiang said.

"Couldn't it be harder? Xu Feng said.

"Of course, this is just a few households, and what you see today is only the tip of the iceberg, which is very small and is a common thing for loan officers, and it is not worth mentioning at all, and the difficulty is still to come. Qiu Weiqiang said.

"Where should we go next?" Xu Feng asked.

"I'll have to make a phone call and find out where he is, or we'll be blind and waste our time." Qiu Weiqiang then took out his mobile phone and dialed the number, the phone was connected, and said: "Li Zhong, where are you? What is the matter? I am Qiu Weiqiang from the bank, how can I forget, didn't I already say yesterday that I would come to get the money today." You won't let me come for nothing again, okay, let's go to the snack bar opposite and wait for you, this time you can count what you say, you can't let me run for nothing again. Well, we'll see you there. ”

"Let's go to Jichang Foundry, Li Zhong works there, we are scheduled to get the money today, we will go to the snack bar opposite to wait for him, we will definitely not be able to eat when we go back, by the way, eat something, no matter what, we can't let our stomachs lose." Qiu Weiqiang said.

"I'm a little hungry when you say that. Xu Feng said.

The two came to the snack bar opposite the Jichang Foundry, Qiu Weiqiang asked for food, and the two ate it, chatting while eating, during which Qiu Weiqiang said something about Li Zhong.

In January last year, Li Zhong guaranteed a loan of 10,000 yuan for his buddy Wang Huaiyuan. The purpose was to treat diseases, and at that time, because Wang Huaiyuan's lover had a cerebral thrombosis and urgently needed money for hospitalization, the loan was issued. Unexpectedly, Ding Huaiyuan died in a car accident before the Spring Festival, and the vehicle that caused the accident ran away again, and it has not been found yet. The family's economic conditions are difficult, and Ding Huaiyuan's death is tantamount to making matters worse. There is no ability to repay the loan, resulting in the loan being unable to be repaid when it is due.

Given this particular circumstance. It is not possible to sue out of personal feelings, and even if it is sued, it will not have any effect, and the loan is sluggish. Through the investigation, it was learned that the guarantor, Li Zhong, had some financial strength and was able to repay the loan. So they approached him and asked him to repay the loan, but he did not want to repay the loan. A lot of work has been done to this end, explaining to him the responsibilities of the guarantor. As a guarantor, when the debtor fails to perform the obligation. The guarantor fulfilled the debt or assumed responsibility as agreed, and finally agreed to repay the loan. But just agreeing, but not repaying the loan, this is the fifth time I have looked for him, and I always prevaricate for various reasons and fail to raise money, I don't know what the result will be today.

"It's hard for people to believe that such a person is going to do it again this time? What a big hope for me. Xu Feng said.

"There is no better way, the lender's family will definitely not be able to pay it back, and it is not suitable to sue, so it can only continue to work as a guarantor, thinking that he will return the loan. Qiu Weiqiang said.

"Since he has the ability to repay the loan, he is afraid of something, and a person like this can sue him. Recovering the loan is much happier than it is now, so why bother. Xu Feng said.

"As I said, sometimes a lawsuit may not get the desired effect, not to mention that he has promised to repay the loan, and there is still great hope for recovering the loan, there is no need to sue him, and the prosecution is tantamount to making things deadlocked. Both sides will be unhappy, and my opinion is not to use prosecution unless absolutely necessary. People have feelings, and as long as we do our work properly, they will understand. Qiu Weiqiang said.

"I'm very experienced in collecting loans, and I can't accept that. Xu Feng said.

"This is also forced out, when I started to work as a loan officer, I also thought the same as you, in order to save trouble and sue the loan owner. Qiu Weiqiang said.

I have sued some lenders before, but the results are completely different from what I imagined, and the results are not ideal. There are many people who win lawsuits and lose money, not only do they not recover the loans, but they also put in a lot of prosecution fees and enforcement fees, and some of the gains really outweigh the losses. In addition, after the lawsuit, there is no way to ask the lender for it, because the case has already reached the court, and the court is responsible for accepting it, and it has nothing to do with the bank, so it will not be ignored at all after it goes. Although the lender lost the lawsuit, they escaped the bank to collect the debt, and their hearts were steady. The court is not afraid to enforce it, barefoot is not afraid to wear shoes, anyway, there is no money, there is no life, there is no life, what do you like. I can't go to jail for debt disputes, so I have no choice but to stare dryly.

"There will always be a place to reason in the world, we can go to the court, now that the judgment has taken effect, they have the responsibility to help recover the loan, and they can apply for enforcement, which is much better than chasing it like this." Just like Tang Rushan, it took a long time to talk, but he just signed a repayment agreement, which was no different from a trip for nothing. Xu Feng said.

"Your idea is too simple, now there are many debt disputes, many of them are multi-angle debts, involving all aspects, how can they be recovered, although they can apply for enforcement, but there is no money to do what they do, even if they arrest him, it is useless, they can only be hung aside, rather than this, it is better for us to chase slowly, how much can be recovered. Qiu Weiqiang said.

"If you want to say it, now the court is not doing business, they are two-headed and muddy, they don't want to hurt people, the prosecution fee and the execution fee are collected, and when it comes to enforcement, they shrink their necks. Xu Feng said.

"This can't all be blamed on them, the courts also have their difficulties, there is no exact enforceable property, and they have no way, so as a last resort, I am not in favor of taking the road of prosecution, as long as there is a point of hope for recovery, we have to fight for it, many times human favor is more important than the law. Qiu Weiqiang said.

"It's also said that no one can do anything without money. Xu Feng said.

"So we can't sue lightly, we still have to rely on ourselves, as long as we can recover the loan, there is nothing to work hard. Being able to get back a penny is also an achievement, and I am very happy in my heart, and I have the joy of success, and I feel that feeling later, although I usually have troubles, but I also have fun. The moment you get your loan back, you will feel a sense of satisfaction and accomplishment. Qiu Weiqiang said.

"I haven't felt the sense of accomplishment yet, but I feel that it's too difficult, just like just now, it's not much better than a trip for nothing. Xu Feng said.

"This is our job, the more difficult the more forward, if a person is willing to face the difficulties, and without fear to spare no effort, so can things go through the border, leisurely see Nanshan. Qiu Weiqiang said.

"You are too optimistic, and you still see Nanshan leisurely, I am Nanshan but I haven't seen it, but I just saw a wall that can't see the sun, and I feel that there is no way to go. Xu Feng said.

"To do our line of work, we must have an indomitable will, not afraid of the scorching sun, not afraid of wind and rain, although yesterday passed, but it taught us to struggle, gave us inspiration, gave us motivation. Yesterday tempered us and allowed us to gradually move towards success, we should be grateful for yesterday, and we must not be intimidated by difficulties. Qiu Weiqiang said.

As the saying goes, don't seek easy, don't take refuge, don't panic and run away when you encounter difficulties, you should calmly believe that things happen for a reason, and you will definitely be able to overcome adversity by drawing money from the bottom of the kettle. Difficulties exist objectively and do not depend on people's will. The correct attitude in the face of difficulties is to rise to the occasion rather than retreat. It is like sailing against the current, if you don't advance, you will retreat, hesitation and cowering have no hope, and you will only give up halfway. The more difficult it is, the more we move forward, only then can our cause be bright and successful. Life can be said to be difficult, but when adversity is difficult, the beast is still fighting, let alone people. In fact, there are always many difficulties and obstacles in the progress of every work, as long as you are not afraid of difficulties and work hard, then you will not only break through the difficulties, but also solve them. You should know that the world is wide, where there is no wind and rain, you should know that the mountains and rivers are far away, and there are unevenness everywhere. You should know that learning is difficult, and you care about every bit of diligence. It is especially difficult to exercise moral integrity, and perhaps this is the best kind of ordeal.

The ancients said that it is easy to have a will, but it is difficult to do without a will. Fearless of difficulties, cliffs can be climbed. Where there is a will, there is a way, and those with the ambition of the sparrow are in the way everywhere. Although a person predicts that things will be difficult, he will not flinch in the face of danger, and he can climb even if he is facing a cliff in front of him. If you want to climb in such a life, you must have courage and unyielding spirit, because the mountains can't stop the sun, so difficulties can't scare tough guys. Regardless of whether there is a minefield or an abyss in front of you, you must move forward, and perhaps the severe difficulties of reality will give you a blow to the head, but you know that there are tigers in the mountains, and you are biased towards tigers. Advance in the face of difficulties and move forward bravely. Brave thousands of miles of waves, catch 10,000 catties of fish. As long as you want to achieve results, you must not be afraid of the surging obstacles, and you can only be determined to pay the huge price of hard work.

Of course, this world is not the first smooth road paved with carpet waiting for us to step on it slowly and logically, but a collection of Pepsi on the thorny sheep's intestine path. Therefore, we are eager for the path to be transformed into a sunny avenue, which requires perseverance and straightforwardness like moving mountains. Face the reality and overcome yourself to overcome the disappointment of a languishing. is willing to cut his whole body, and dares to pull the emperor off the horse. If a person encounters danger and confusion, he can fight against the water and make a decisive decision, and he will naturally turn the danger into a disaster. (To be continued.) If you like this work, you are welcome to vote for the recommendation ticket, your support is my biggest motivation. )