The collection team came to the house of Ma Chunming, a debtor, and naturally knew the intention when they arrived, which was for the purpose of taking out a loan. ∈↗, he told Zhang Maoqi that during the winter leisure season, there were many people in the village who went to the county seat 10 miles away to do odd jobs, and when they came back, it would be after dark. The only way to find them is to wait for them to come back.

"It's cold, and they're not at home, so don't run blindly, just wait at my house." Ma Chunming said.

"That's good, but I'm going to trouble you again." Zhang Maoqi said.

"There's no problem, I'll contact you first, if you don't have one at home, if you do, let them come, after all, you owe a loan to the state, and there should be an explanation if you can't pay it back." Ma Chunming said.

Then he started the phone call at home, and because he was connected to his neighbors, he disconnected from time to time, and scolded the broken phone while redialing. I was really impatient, so I directly dialed the poverty alleviation mobile phone on my waist to call. The so-called poverty alleviation mobile phone was jointly promoted to the farmer brothers by the Agricultural Bureau and the mobile communication company two years ago, and the mobile phone was given away in advance for three years at one time, claiming that it was convenient and preferential for farmers to go to the market to grasp information, and it was called poverty alleviation. But there are few functions, the signal is weak, and the answering voice is small, Ma Chunming scolded this broken mobile phone again.

In between waiting for others, Ma Chunming began to pour bitter water: "I took out a loan of 4,000 yuan that year, and I was overwhelmed for four years. I wanted to have a good harvest this year and be able to repay the loan, but who knew that after the heavy rain in the autumn, it was a tent and a wall collapsed. After harvesting the autumn crops next year, sell them quickly and repay the loan first, and bear less interest. "Come, it's not that the old man doesn't want to repay the loan. It's just that there is no way to return it in the event of a natural disaster.

Between words. Gao Zhongwei, a loan debtor, came in to take over the conversation: "People build greenhouses in Shandong. Willing to invest, steel beams, brick walls, cement piles, Huilong fire kang, very strong and durable, the top of the three or five years is fine, we can not afford to invest. ”

Waiting for more than two hours for dark. The collection team moved a broken table to play poker, fell loudly, and the mouth was full of words, and the exercise was hot and cold. The sun was setting, and the cold air was blowing on my face, so I had to pass the difficult time like this. It was finally dark, and the debtors Wang Dinglin, Wang Yunxia, Ma Jiangang and others rushed in.

Zhang Maoqi once again stated: "Next time, whoever makes us empty-handed, we will hand it over to the court, go to court, and let the family enforce it." It won't be so kind and polite. "He's just talking, and it's useless to prosecute in this situation. It's not that people don't want to repay the loan, they really don't have the ability. The original poverty alleviation policy was good, it was to help farmers get rid of poverty and become rich, and no one could do anything in the event of natural disasters. For farmers who rely on the soil to dig for food, where can withstand such a big blow, they have to slowly alleviate.

Zhang Maoqi asked everyone to set a repayment plan, and Wang Dinglin, who wore glasses, said: "I don't expect this year, and I can't rely on plastic greenhouses to make a comeback next year, and I can't always be unlucky in Hexi for 30 years." ”

Ma Jiangang also said that he would pay it back next year, counting on his eldest son who graduated from the Railway Transportation College to earn a salary, and now the second son is spending money in high school.

Wang Yunxia said: "I expected men to do odd jobs in the county town to pay off the debt, but a bunch of people waited on the side of the road, rarely found work, endured hunger and cold, came back after dark, full of stench, for this loan, still sighing in bed in the middle of the night, tossing and turning and unable to sleep." ”

Team member Chu Jianxia turned out the account book and asked each loan debtor to fill in the loan overdue collection notice and sign and press the fingerprint to avoid the loan losing the statute of limitations, which is the final bottom line and the only remedy. At eight o'clock in the night, Majiadian came out, and it was already sparse on the highway, the cold hit, sleepiness hit, and hunger hit the throat. But when I saw the modern city with thousands of lights not far ahead, I suddenly felt a warm current surging into my heart.

Finally, Zhang Maoqi said: "Liu Xiang's fast running is not only due to his body, the key is his spirit, the same is true for collecting loans, the main thing is dedication, or that sentence, the harvest is not afraid of high mountains and steep roads, and the revitalization is not afraid of the wind and food, as long as there is an indomitable will, no matter how many setbacks, the bad loans will be recovered." I've finished my remarks, and I would like to ask you to correct any deficiencies. Everyone burst into applause.

Indeed, people need a spirit to live, and they also need a spirit to do work, and Zhang Maoqi's report just found this spirit. This ignites a passion in our hearts, full of courage to overcome all kinds of difficulties, and also illuminates our way forward, so that the ordinary footprints of life release a strange light. Shao Yi said.

Next, other people spoke, and they taught their experience in the collection work, Xu Feng listened and nodded again and again, these experiences are worth learning, and he wrote them down while listening.

Because he promised Li Heyang yesterday and came to get the money today, Qiu Weiqiang and Xu Feng came to his house early, Xu Feng was quite happy in his heart, and he was able to recover a loan. knocked on the door for a long time and there was no response, and there was no one at home. Xu Feng's heart was half cold all of a sudden, this kid is really not authentic, he must be hiding, fortunately, he is also a big man, how can he talk so much, he doesn't fart, he leaves silently, which is equivalent to shutting them up.

Qiu Weiqiang dialed Li Heyang's mobile phone number, but the result was that the phone was turned off, Xu Feng was even more angry, he really didn't have any virtue, he knew that they were coming today, in order to avoid debts, he deliberately didn't turn on the phone, such a person is not worthy of praise at all.

"You shouldn't have let him go yesterday, look at this isn't hiding, there is no hope in the sky." Xu Feng said.

"Maybe he has a special situation and can't contact us for a while." Qiu Weiqiang said.

"An ordinary person, he has any special circumstances, I didn't want to repay the loan at all, he was dealing with us yesterday and sent us away, but this is not missing today." Xu Feng said.

"From what he can say, he shouldn't be that kind of person." Qiu Weiqiang said.

"It's not that kind of person yet, or it will slip away, you can tell us if you are really in a hurry, and if you don't repay the loan, you can save us another trip, and waste our time." Xu Feng said.

"He's not that scoundrel." Qiu Weiqiang said and dialed Li Heyang's mobile phone again, but it turned off again, so he had to shake his head helplessly, not believing that there was any way, after all, he couldn't see anyone.

"I'd better go to the next stop, don't waste time with him here." Xu Feng said.

"No, since he said it, there will be hope, let's wait for him here for a while, and if we can get the loan back, it will be considered victory." Qiu Weiqiang said.

"Is it just waiting at his doorstep, when will it be, and what if not?" Xu Feng said.

"I'm sure he'll come." Qiu Weiqiang said.

"Such a person is not trustworthy at all, the blind man lights the lamp in vain, I am mysterious." Xu Feng said.

"Since you have promised to pay it back, you might as well wait for him, it's really not okay to spend it with him in the morning, and it's hard to find him, how can you give up lightly." Qiu Weiqiang said.

Waiting for others' efforts, Xu Feng talked about the experience exchange meeting on loan collection yesterday afternoon, and praised their methods, wrestling and picking their butts, and really tried their best to recover the loan.

"Clearing bad loans depends on a good attitude, just like we are now, we must have excellent patience, and we must not be impatient, people will leave, and they will not be recovered at all." Qiu Weiqiang said.

"It's not that I'm in a hurry, the key is people, where do you know what he thinks, and you can't do things that delay your work." Xu Feng said.

"For a long time, due to the influence of various factors, the asset quality of commercial banks has deteriorated somewhat, and non-performing loans have remained high, which has eroded the body of commercial banks like tumors. It has caused the undesirable consequences of the commercial bank's strict debts and increased business risks, and even endangered the survival and development of the commercial bank. With the increasingly fierce competition in the financial industry, it has become a top priority for commercial banks to stop non-performing loans and preserve credit assets. Qiu Weiqiang said.

Collecting non-performing loans is a very important and challenging task for commercial banks. In the face of such a difficult job, as a credit manager of a commercial bank, in the face of this work, whether in terms of thought or behavior, he can do the two most difficult things in the world, one is to put one's own thoughts into other people's heads, and the other is to put other people's money into one's own backpack. Deeply realize that no matter what kind of environment and what kind of customers are facing, the most important thing to do a good job in the collection of non-performing loans is to have a positive and enterprising mind, that is, to do the work of collecting non-performing loans with the grand ambition of entrepreneurs. The ambition of an entrepreneur is that there is no way out, only to move forward, and it requires the passion and courage to know that the mountain has a tiger bias towards the tiger mountain. Because the collection of non-performing loans is a long-term and cumbersome work, there are many reasons for the formation of non-performing loans, and it is impossible to complete the collection in a short period of time, and it is necessary for credit officers to pay attention to the dynamics of lenders at any time. Only with such a psychological element can we solve all kinds of complex problems when faced with complex situations.

Entrepreneurs will definitely rise to the occasion when they encounter difficulties and setbacks in starting a business, and will not give up easily. Because, if you give up in the face of difficulties and setbacks, you will suffer huge losses. For example, the performance of a certain month should increase from 10,000 yuan in the previous month to 1 million yuan. Entrepreneurs will consider what methods can achieve this goal, and employees will consider n reasons for not achieving this goal, which is often said to have policies and countermeasures. The results of the two ways of thinking are completely different, there are two kinds of thinking results of entrepreneurs, success or failure, and there is only one thinking result of employees, that is, failure to achieve the goal. There is no thought of success in the minds of employees, which keeps success away from them. (To be continued......)