"Don't work small, credit work is a concept, a method, but also an art, pay attention to the method, skills and results. +◆," Qiu Weiqiang said.

As a loan officer's most important work is to clear non-performing loans, and the revitalization of the battle is more and more difficult, the difficulty is increasing, in the process of collection, the actual is also the use of both love and law, is a kind of psychological resistance, which requires the establishment of confidence, the face of difficulties, carry forward the spirit of ants gnawing bones, force against the style of floating, dragonfly water, a hammer in the east, a stick in the west, fully carried out, fruitless and collected.

"Listening to you say this, credit work is really not that easy to do, and it does have some difficulties, much more complicated than I thought. I thought it would be easy to be a loan officer, but when you say it, there are so many truths, it's incredible. Xu Feng said.

"You just did field work, and you still feel fresh, and you will know the ups and downs in it. However, this is an opportunity to exercise, as an employee of a commercial bank, you should be an all-rounder, and you can do everything inside and outside, so that you can have a future for development. Qiu Weiqiang said.

"I still have to rely on my old classmates to support me, so please give me more guidance everywhere. Xu Feng said.

"There is no shortcut to work, it is all in the learning by doing, exercise in practice, slowly accumulate work experience, improve their business skills, do the work to be handy, deal with problems with ease, will not feel difficult at all. Qiu Weiqiang said.

"Where are we going in a while?" Xu Feng asked.

"Hongda Chain Co., Ltd. has a loan that is about to expire, and according to the regulations, it is necessary to issue a loan expiration collection notice in advance, so that they can make financial arrangements in advance. Ensure that the loan is recovered when due. Qiu Weiqiang said.

Qiu Weiqiang and Xu Feng came to Hongda Chain Co., Ltd. Zhu Guoyong, chairman and general manager, received them. Qiu Weiqiang introduced Xu Feng, he is the new loan officer of the office, responsible for credit work full-time, please take care of him in the future, Zhu Guoyong is very enthusiastic, and took the initiative to shake hands with Xu Feng to welcome.

"Chairman Zhu, I have just been transferred to the field work, and I am not familiar with the place when I first arrived. And I have no experience, so I would like you to support my work in the future. Xu Feng said.

"Definitely, we will give you our full support. Zhu Guoyong said.

"Chairman Zhu, you have a loan of 300,000 yuan that is about to expire, please actively raise funds and do a good job in repayment. Qiu Weiqiang said.

"Please rest assured, we will definitely repay the loan when it is due, and the bank has given us strong support. Zhu Guoyong said.

"It is easy to borrow well, and it is not difficult to borrow again, and we will strongly support any difficulties in the future. This is a loan due collection notice, please sign it. Qiu Weiqiang said.

"Okay. No problem. Zhu Guoyong said and signed the notice.

Qiu Weiqiang and Zhu Guoyong chatted about the company's operation and sales, and he answered one by one, and Qiu Weiqiang nodded after listening. Let him bring the financial assets and liabilities and other statements, come carefully, ask questions from time to time, and record the relevant figures. Several people went to the production workshop again and found that there were many finished products stacked inside, and the workers were busy nervously. Zhu Guoyong told Qiu Weiqiang that there will be a batch of finished products worth 500,000 yuan to be shipped tomorrow, and the finished products will be shipped away in two days, and when the funds come back, there will be absolutely no problem in repaying the loan.

"We know your reputation, but for the sake of insurance, please make financial arrangements in advance, the funds are very tight at the end of the month, so as not to delay your business development and cause unnecessary losses, so that both of us are not suitable. Qiu Weiqiang said.

"Don't worry, I've already made arrangements, and I'm going to pay back the loan when the time comes, so you don't have to worry about it anymore. Zhu Guoyong said.

"Thank you for your support, we are going to go somewhere else without bothering. Qiu Weiqiang said.

"Director Qiu, go back after eating at noon, we haven't been together for a long time, usually you are busy with work, I can't invite you if I want to, today I happened to have a meal together, Xu talked about the friendship between us. Zhu Guoyong said.

"No need, thank you for your kindness, I will definitely come to disturb you when I have the opportunity in the future. Qiu Weiqiang said.

"Xu Feng took office on the first day today, and it was the first time to meet, getting together is fate, or don't go, have a light meal together, in order to fulfill the friendship of my landlord. Zhu Guoyong said again.

"Thank you for your kind stay, but today is really not good, Xu Feng took office on the first day, many situations are confused, and I need to be more familiar with the situation, so as to carry out the work as much as possible, we are not outsiders, and there will be opportunities to get together in the future." Qiu Weiqiang said.

"I admire your enthusiasm for work, well, I invite you when I have time, for my sake you have worked hard, you can't even eat a meal, and I really feel a little sorry in my heart. Zhu Guoyong said.

"Don't say that, our bank and enterprise are one, business partners, and it is our firm's bounden duty to support you. Qiu Weiqiang said.

Zhu Guoyong sent them out, and the two waved goodbye to him. On the way, Qiu Weiqiang told Xu Feng that Hongda Chain Co., Ltd. has good operating efficiency, and has a good reputation, has never defaulted, is the focus of the office to support the object, over the years the two sides have cooperated very happily.

"In that case, why do you still have to come to him, just wait at home, there is no need to come to the door to ask for a loan. Xu Feng said.

"Sometimes enterprises will also encounter difficulties, it is inevitable that there will be a shortage of funds, so we should pay more attention to them, keep abreast of their business dynamics, help them solve problems in a timely manner, provide them with financial services, and notify them in advance, so that they can be mentally prepared, so as not to repay the loan at that time, and the loan will be overdue to form a bad one, which will be the dereliction of duty of our loan officer. Qiu Weiqiang said.

"If all the borrowers are like Zhu Guoyong, how easy our field work is, there is no need to worry at all. Xu Feng said.

"What you think is beautiful, due to historical reasons, there are all kinds of people who have lenders, Zhu Guoyong is our gold customer, of course there will be no problem, you will know what is going on at the next stop, maybe you will be so angry that you will be speechless. Qiu Weiqiang said with a smile.

"There will be such a thing, we are creditors, who dares not to take you seriously. Xu Feng said with some disbelieving.

"You'll know when you arrive, but you don't know the specifics yet, so don't express your opinion lightly. Qiu Weiqiang said.

"I'm here to learn, and of course I'm at your disposal. Xu Feng said with a smile.

"The forest is big, there are all kinds of birds, in this society, what kind of people are there, it is inevitable to do things that you don't expect, what we do is this, good faces and bad faces can not be accepted and accepted, sometimes dry angry but there is no way, in order to recover the loan have to swallow their anger, as long as the loan can be recovered, it is nothing to be wronged. Qiu Weiqiang said.

"Where are we going next?" Xu Feng asked.

His name is Tang Rushan, he was originally a self-employed transport household, and he took out a loan of 50,000 yuan in the office, but due to poor management, he had already gone bankrupt and closed down, and the loan was overdue for many years. Now working for the self-employed, I have looked for him n times since I came, and his attitude is not bad, always saying that he is trying to find a way to return it, but it has no effect. I stopped by to look for him again today, but nothing good came of it. Qiu Weiqiang said.

"I've been there many times and it still hasn't worked, which means that he hasn't been there at all, and it's useless to go. Xu Feng said.

"In our business, we have to be diligent in our legs and mouth, not afraid of trouble, not afraid of nonsense, and see the stitches, only in this way can we recover the bad loans. Qiu Weiqiang said.

When he came to a factory and stopped, Qiu Weiqiang called Tang Rushan and asked him to come out and talk.

"This kind of person has a good face, and he can't let people know that he owes a loan, so he is asked out. Qiu Weiqiang said.

After a while, Tang Rushan walked out, he was in his forties this year, and when he saw that someone from the bank came to him, he knew that it was for a loan. He began to tell his bitterness, not that he didn't want to repay the loan, but he was too difficult, although he thought of a lot of ways, but he couldn't raise money, so that the bank was tolerant for a while, and he would definitely repay the loan if he had money.

"Old Tang, we have looked for you many times, every time we always deal with us like this, there are one, two and no three, it is not good to go on like this, we should see some results, people talk about reputation, how can we not talk about credit at all, we will work together in the future." Qiu Weiqiang said.

"Director Qiu, it's not that I don't have credibility, but I really have no choice, I lost all my family money when I was engaged in transportation, and I still owe a lot of foreign debts, so I have to work for others to support my life. To put it in my heart, I don't feel good about the loan, I owe the debt and repay the money as a matter of course, I feel ashamed to see you, there is absolutely no idea of repaying the debt, I can't do this kind of thing, and I will definitely repay the loan if I have the money. It's just that I have more than enough heart but not enough power, and I don't dare to talk big without money. You and my family background, there is really no way. Tang Rushan said helplessly.

Rushan's expression when he speaks, and his clothes are sloppy and sloppy, no different from the little old man in the countryside. It's not like you have money at all, where can you afford to repay the loan. Xu Feng couldn't help but shake his head, it was impossible to recover the loan from him, he felt that Qiu Weiqiang came to him redundantly, how could such a poor person have money to repay the loan, it could be said that there was no hope, no matter how much he talked to him, it was nonsense, and he couldn't come up with the money. In this case, it is better to find someone else, maybe it can have a good effect. Thinking that Qiu Weiqiang didn't let him express his opinion, he had to talk quietly. (To be continued......)