After listening to Zhang Xianghua's words, Ding Hongxing remembered that after working for a few years in his previous life, he had studied for two years and studied financial management.

Then, now is the period of chaos in the financial order, Ding Hongxing is a little crying and laughing, and he doesn't know whether it is the best era or the worst era, perhaps, this is both the best era and the worst era!

There are countless opportunities in this era, but this era is very chaotic, if you want to really succeed, you must have a pair of discerning eyes that can see through the fog of chaos.

After thinking about it, Ding Hongxing said to Zhang Xianghua: "Brother Zhang, we have collateral, we bought a few storefronts next to the bazaar, which have more than 300 square meters and are worth more than 200,000 yuan, which can be used as collateral." ”

Unexpectedly, Zhang Xianghua waved his hand and said, "What kind of collateral do you want?" Other people's millions of loans don't need collateral, our brothers have a relationship, I can still ask you for collateral for a loan of 200,000? Isn't this shabby your brother Zhang? ”

Ding Hongxing sighed in his heart, this is really messy enough, there is no collateral for millions of loans, they are all empty shells of leather bag companies, and when people run away, they can only call ghosts when they can recover the loans.

Zhang Xianghua drank another glass of wine, and began to talk to Ding Hongxing with great interest about some strange stories in the industry: "Speaking of collateral, two years ago, a leader of the Public Security Bureau set up a Golden Shield Company, which was affiliated with the name of the Public Security Bureau, and took out a loan of 3 million in the ICBC, and actually used the salaries of all the employees of the Public Security Bureau as collateral, and the ICBC actually accepted it. It's strange that the gang of people in the Public Security Bureau don't block the door of the Industrial and Commercial Bank with guns. ”

Ding Hongxing smiled when he heard this, the public security bureau has a lot of labor, many personnel, little appropriation, and wages are often in arrears, if ICBC really dares to collect this kind of special collateral, the police of the public security bureau may really do this kind of thing.

"There is a government agency that runs the tertiary industry, and the loan is also millions, and the collateral is their office building, but the problem is, the office building is a state-owned asset, who dares to collect it? Can the government let them collect it? Isn't that a slap in the face of the people's government? There are also some government agencies and units who have taken out loans and gone to Hainan to speculate on the land, and the collateral is the house and land in Hainan, and when the property market collapses, what do they charge? ”

Speaking of this, Zhang Xianghua said indignantly: "This kind of collateral is not nonsense? I see that these loans are all in the pockets of those people! ”

Ding Hongxing raised Jianlibao, took a sip with Zhang Xianghua and said, "Brother Zhang, it doesn't matter if you say this in front of me, but you must not say it outside." You are also a leader now, and if you say too much, you will lose! ”

Zhang Xianghua was stunned when he heard this: "Brother Red Star is right, I should be steady." But isn't that in front of you? Am I still on guard against you? ”

Ding Hongxing smiled and said: "Brother Zhang, I don't want to hurt you, I also want to do legitimate business with a loan, I see that when we go through the loan procedures, we still use those facades as collateral, right?" ”

Zhang Xianghua heard what Ding Hongxing said, and he asked with a solemn face, "What's wrong?" Brother Red Star, what's the news? ”

Ding Hongxing said: "I heard an elder in the family say that the boss is very dissatisfied with the chaos of the current financial order, and plans to rectify it next year at the latest. For example, those loans that violate the rules and have incomplete procedures are among the ones that are cleaned up and rectified. ”

Zhang Xianghua's face became more solemn, of course he didn't know that the elders Ding Hongxing said were just made up by him, he took it for granted that the elders Ding Hongxing said were Secretary Xu, and he also believed more and more that the relationship between Ding Hongxing and Secretary Xu was not ordinary.

Zhang Xianghua lowered his voice and asked, "Is this news true?" ”

Ding Hongxing nodded and said, "It's true!" ”

Zhang Xianghua couldn't help but groan, of course he knew how valuable this news was, now there are too many illegal loans and incomplete loans in various banks, if he really starts to clean up and rectify next year, then the president may be fine, but he, the head of the credit unit, must bear the responsibility, if you don't take the blame, do you still let the leader carry it?

The more Zhang Xianghua thought about it, the more he was afraid, he thought it was a good thing to be a credit chief, but he didn't expect it to be so dangerous, he also wanted to take advantage of the relatively loose loan approval to make some benefits, why can't others do it? Although his appetite is not big, and he only thinks about eating and drinking to get some benefits, but once he gets it straight, these are all things.

Fortunately, he has only been in office for a few days, and he has not released a loan in his hand, so he got the news, and he made up his mind that he must strengthen the approval of loan procedures, and must not release a loan in violation of regulations.

Zhang Xianghua's brain is still very flexible, and he immediately reacted again, can he use this news to seek some benefits for himself?

Zhang Xianghua thought for a while, and then asked Ding Hongxing: "Hongxing, what do you think I should do now?" ”

Although Ding Hongxing is still a teenager, since he has such a great elder, he should know a lot of information that he doesn't know, and some of his usual conversations and actions seem to be very mature and steady, so it should be right to listen to his opinion.

Ding Hongxing pondered for a moment and then said to Zhang Xianghua: "Brother Zhang, you haven't taken out a loan since you took office, right?" ”

Zhang Xianghua shook his head and said: "I've only been in office for a few days, of course I haven't taken out a loan." ”

Ding Hongxing said: "That's good, from now on, you must not issue any loans in violation of regulations." ”

Zhang Xianghua said: "I can say it, I'm afraid that the relationship between the leaders will come, and I can't hold it down!" ”

Of course, Ding Hongxing, who Zhang Xianghua said, also understands that in fact, how can the bank have the courage to issue so many loans in violation of regulations? Isn't it that the will of the leader can't be disobeyed? He said to Zhang Xianghua: "If the leader asks you to let it go, you can disclose the news to him, and I believe the leader will weigh the weight." ”

Zhang Xianghua nodded thoughtfully and slowly.

Ding Hongxing said: "In addition, you also have to clean up the previous illegal loans and loans with incomplete procedures, make a list, and either complete the procedures and collateral for these loans, or collect them." ”

Zhang Xianghua gasped, this matter is not easy to handle, it really doesn't matter which one of these illegal loans can really be handled? Isn't it offending people to do this yourself?

Zhang Xianghua said: "This matter is very difficult! ”

Ding Hongxing said: "What's the point of doing something that is not difficult?" Does that show you what you're capable of? If you can do this well, then it is estimated that you will be famous in the Agricultural Bank of the province. ”

Zhang Xianghua still frowned and remained silent.

Ding Hongxing sighed secretly and said: "Things are not easy to do, but you can just make a gesture and report this matter to the leader, so that the leader can decide, as long as you express your position." ”

Zhang Xianghua breathed a sigh of relief and nodded.

Ding Hongxing added: "In addition, you can also write an article criticizing the current chaotic financial order, and propose to rectify the financial order, and submit it to the newspaper." ”

Zhang Xianghua's eyes lit up, if he wrote such an article and could publish it in the newspaper, it would undoubtedly bring him a lot of benefits, but he immediately said with a bitter face: "How can I write any article!" Or you can help me write it! ”

Ding Hongxing nodded and said, "Okay, but you have to provide me with some materials." ”

Zhang Xianghua said: "Okay, next time you come to go through the formalities, you will give it to you." Also, you'd better register a company so that the loan process is easier. ”

Ding Hongxing nodded in agreement, and the two ate and left.