Although DW's personal fund has just settled in the provident fund center, the remittance and withdrawal of the company department have been stationed in the provident fund for a year, Fang Xiachu followed the deputy director Chen Dan and the two masters to say hello, and sat next to the loan counter of the Agricultural Bank of China with a stool.

Master Zhou looked to be in her forties, and when Fang Xia first entered the counter, there were about seven or eight customers standing in front of her, and she didn't have time to care about her as a newcomer. There are many customers and many questions, two young couples are filling out the loan contract, and one couple is consulting her about the interest rate, and the remaining few are standing next to her, asking her what loan materials she needs to bring.

Fang Xiachu heard her say the materials to be brought a few times like a repeater, some customers remembered quickly, and the older couple couldn't keep up, so they asked again anxiously.

"Can you wait?" The customer who filled in the loan materials seemed to be noisy, and shouted impatiently, "I'm asking here, you always ask questions, what should I do if I fill in the wrong form?" ”

The customer's voice was a little loud, and the people around him were startled, and the whole thing quieted down, and Master Zhou hurriedly reassured: "Oh, don't worry, don't worry, I'll help you watch it, you can't fill in the mistakes." ”

Fang Xiachu looked at the embarrassed old couple standing next to him, hesitated for a moment, leaned forward and whispered, "You still lack a copy of the down payment*; There are three copies of the purchase contract, and there is a special bank purchase contract, and the developer will call you. ”

The old couple was stunned, and the wife among them was the first to react, lowered her head and quickly counted the things in the folder, and found that there was indeed a lack of the two that Fang Xia Chu said.

"Thank you, little girl." The old lady was full of gratitude and asked, "Are you new to the Agricultural Bank?" ”

Fang Xiachu was not very embarrassed and said: "No, I am from DW Bank, I just entered today, come and learn from Master Zhou first." ”

"DW Bank?" The old gentleman on the side was pleasantly surprised, "I happen to have DW's salary bank card, what is your interest rate, can I get a loan from you?" ”

Fang Xiachu was in a dilemma now, not to mention that she didn't know anything, this was originally a customer of the Agricultural Bank of China, and she grabbed it by herself......

"It will take at least a week before they can open." Master Zhou finally finished some of the work in hand for the time being, and turned his head to greet the customer, "And there is no discount for portfolio loans, only pure commercial loans." ”

At this time, Fang Xiachu didn't dare to interject, she flipped out a small notebook, just like an ordinary customer, listening and taking notes on the side.

Master Zhou looked at the couple's provident fund cards and motioned for Fang Xia Chu to come closer.

"This is the CPF backstage." Master Zhou slid the mouse and clicked into the input bar, "You remember to wait until the front desk to get some of the booklet of the provident fund specification, there will be an exam in a few days, and you can only get the user rights and password lock after that." ”

Fang Xia Chu was blinded: "You still have to take the exam?!" ”

Master Zhou laughed and said, "Otherwise? A bank is a bank, and a provident fund is a provident fund, but these are two different institutions, and at best they can only be regarded as a partnership. In the bank, you have to listen to the bank, and in the provident fund, you have to listen to them. ”

Fang Xiachu: "......"

Master Zhou said meaningfully: "There are many ways to do this, study hard." ”

In the end, the old couple just asked about the interest rate and the number of years and left, Fang Xiachu was very puzzled, but Master Zhou didn't think so.

"There are pros and cons to provident fund loans, although the interest rate is low, but the loan cycle is very long, and developers can't wait, so they will persuade customers to do pure commercial loans." Another customer came to ask for a contract, and Master Zhou motioned to Fang Xia Chu to get it, "Did you see the blue contract?" At the top of the cabinet, yes, that's it, bring five copies. ”

Fang Xiachu hurriedly ordered five copies and handed them over, and Master Zhou pointed to the counter in the middle: "Go to the guarantee company to make a guarantee, and then come to the bank when you finish it." ”

The customer took the contract and went, and Fang Xiachu hurriedly wrote down the next link: the guarantee company.

"You have to figure out the relationship between the bank, the provident fund, the guarantee company." It was almost lunch time, and Master Zhou finally had some free time, so she took out some loan materials and showed them to Fang Xiachu, "Have you been trained in commercial loans before?" ”

Fang Xiachu shook his head very stupidly and sweetly, he was very demented from his expression to his posture, and Master Zhou looked at her like a freshly weaned puppy.

"The commercial loan part of each bank is different, so I can't help you." Master Zhou picked out the contract that had just been completed a few days ago, and spread it out in front of Fang Xiachu, "This is a pure provident fund loan, and it is also the simplest, the customer only uses the provident fund he pays to apply for a loan from the provident fund center, and the bank is just an intermediary institution." We accept it, then we release the money, and the provident fund returns the money to us. ”

Fang Xiachu asked, "So we only need to do the two steps of acceptance and disbursement?" ”

Master Zhou nodded: "This is the most relaxed, when you officially go to work, you will want customers to do this, and you are also comfortable." She paused, and said in a subtle tone, "You're not a regular employee of DW, are you?" ”

Fang Xiachu was stunned, he didn't understand why the other party suddenly asked like this, but he still said "um" honestly.

"If you're not a regular employee, don't work so hard." Master Zhou smiled perfunctorily, "How much money did you get?" This job is not easy, do less if you can, don't add to yourself. ”

Chen Zhu didn't come out of the provident fund director's office until it was almost lunch time, she refused the other party's invitation to the canteen, and when she passed by the hall, she saw that Fang Xiachu was still at the counter.

Chen Zhu thought about it and walked over.

Fang Xiachu was sorting out the notes she had made in the morning, and she had written a page of loan materials alone, and she was holding the notebook to compare them one by one.

"Why don't you go to dinner?" Chen Zhu waited for a while and suddenly asked.

When Fang Xia saw Chen Zhu at the beginning, he subconsciously straightened his waist.

Chen Zhu glanced at his watch: "The work can never be done, let's go to dinner first." ”

"But I want to get started sooner......" Fang Xia Chu muttered.

Chen Zhu lifted her eyelids, she helped her glasses, and said lightly: "The branch will send your computer over in the afternoon, you can familiarize yourself with the background first." ”

Fang Xiachu slowly put away the materials, she had a sense of disappointment that had been discouraged, and opened her mouth to let out an "oh".

"If you don't understand anything, you can ask Master Huang at the branch." Chen Zhu added, holding her arms and tapping the ground gently and rhythmically with one foot, her high-heeled heels landing on the pale golden marble tiles, making a cold and hard sound.

"You represent the image of DW here, do a good job," she looked at Fang Xiachu condescendingly, and said expressionlessly, "Don't embarrass me." ”

———————————————————————————————————

The meeting room of the DW branch is rarely open to the public in the morning, Zhang Mengmeng wears a short skirt that covers her hips, steps on high heels to make coffee in the pantry, and then directs a few little girls to send it in.

"I heard that Mu Liao from the branch is here?" Bai Jie asked in a low voice.

Zhang Mengmeng glanced outward: "Don't you know if you don't have makeup at the front desk?" ”

Bai Jie laughed "poof", and hurriedly covered her mouth, afraid that others would hear it.

"Did you go in and listen?" Bai Jie couldn't help but ask, "What are you talking about?" ”

Zhang Mengmeng: "What will the branch talk to him, every year is the first in good start, and I hate and love him when I see him, if it weren't for it...... retired early, how could he only be a vice president in the branch. ”

Bai Jie: "But no one is standing with him, then...... The shares are not his, and the few airborne here also have factions, and even if he has some resources, he can't support so many people to wear small shoes for him. ”

Zhang Mengmeng put the coffee cup in the tray and said meaningfully: "That's why this diamond king will come to the branch to negotiate the conditions, haven't you heard that the provident fund of their branch has also been raised." ”

"After all, the share of provident fund commercial loans is not small on the branch side." Chen Tian, the boss of the gold department of the branch, is over forty years old, and he is a little grateful, but he looks thoughtful and smiles very kindly, "And there is still a gap between the urban provident fund and the new district provident fund, the scale is different, and the passenger flow is even more difficult to compare." Compared to the daily business volume of the urban area, the new district doesn't need that much share, right? ”

Mu Liao raised his eyebrows, his ten fingers were slender, he tapped his temples, and gestured, "Qiao Shen." ”

The young man who followed behind him took out a construction sheet from the folder and handed it to Chen Tian.

"In the second half of the year, the provident fund center in the new district will be relocated." Mu Liao's tone was relaxed, "The location has been chosen, it is in the office building next to the housing management bureau of the new district, and the area is about three times the size of the city. ”

Chen Tian glanced down, he subconsciously went to take the cigarette case in his hand, and seemed to remember that this was a conference room, so he could stop.

Qiao Shen put a planning map in front of Chen Tian again.

"This is the real estate planning and estimated price of the new district in the second half of the year." Mu Liao's hands were clasped together, his face was really handsome, pleasing to the eye to the point of almost stressing, "So for the future planning and development of the whole bank," Mu Liao owed slightly, he smiled humbly and politely, "We still need the branch to cooperate with us." ”

As soon as Chen Zhu returned to the branch office, before the chair was hot, Huang Jasmine walked in with a gossipy expression on her face that she couldn't wait.

Chen Zhu glanced at her and preemptively said, "Is the work done?" ”

Huang Jasmine had an expression of "I knew you would ask that", and threw the contract in her hand on her table: "Oh, it's freshly baked, and the cooperative real estate that has just been negotiated." ”

Chen Zhu casually flipped through a few pages and squinted slightly: "The price here in the new area has risen a little fast, and the land price has actually reached tens of thousands." ”

"Isn't that good?" Huang Jasmine had no heart or lungs, "We are a bank, and we have a pot of rice with the landlords, and the richer the landlords, the more we can share, which is called a community of interests." ”

Chen Zhu was noncommittal, she put the contract aside, and looked at Huang Jasmine: "Say, what's the matter?" ”

Huang Jasmine lowered her voice and said mysteriously: "This morning, our Vice President Mu and Secretary Qiao Xiaoxian went to the branch together, do you know?" ”

"This morning?" Chen Zhu was a little surprised, although Mu Liao would go to the branch when he was halfway through the good start every year, but that was the nature of the meeting, and there were not many cases of going to the branch in private.

"Tsk, isn't it?" Huang Jasmine shook her fingers, "The two most handsome and youngest male gods of DW Bank, I heard that the women's toilet in the branch was overcrowded this morning, and the little girls were in a hurry to put on makeup." ”

Chen Zhu thought for a while: "Talking about the provident fund? ”

Huang Jasmine "cut" boringly: "Why are you so boring to pay attention to, we are gossip now!" Gossip understands? ”

"Vice Mu didn't go there to gossip." Chen Zhu disagreed, "Say, what is the specific content?" ”

Huang Jasmine sighed, she simply scoffed at Chen Zhu's incomprehensible style and lack of gossip spirit, and said lazily: "Let's talk about share." The amount of the branch deducted the loan of our branch is not once or twice, and each time the loan can be delayed, what is the use of just reflecting it, of course, he has to go to the front of the president to do it. Speaking of this, Huang Jasmine's expression turned cold, and she said mockingly: "You don't know how crooked the ass of the branch is, our president went over, and the person who came to see him on the other side was actually a person of your level, and Chen Bald relied on his qualifications for a few more years, and the scene was full of words, and it was disgusting to listen to it." ”

"There is news that he will be transferred to Xiangcheng District next year." Chen Zhu said calmly, "In the last year of the branch, he can't afford to waste it. ”

Huang Jasmine became interested: "Yo, you are quite well-informed in this regard." ”

"It's about the side of the station and the door," Chen Zhu glanced at Huang Jasmine, "Who is not well-informed in the bank?" ”

Huang Jasmine made a strange expression, she didn't refute it when she spread her hands, she watched Chen Zhu start to review the documents, and still couldn't help but have nothing to say: "Why, you don't care about the result?" ”

"If you have the intention of gossiping about me, it means that Vice President Mu's greeting has been prepared." Chen Zhu turned his pen and clicked on the real estate contract on the side, "These resources you earn are the bargaining chips we can negotiate with the branch." ”

Huang Jasmine opened her mouth half-open, and she didn't know how to answer Chen Zhu's words for a while.

"So," Chen Zhu took off her glasses, revealing delicate and heroic eyebrows, she propped her head, a light smile rose on her lips, and said lightly, "If you want me to praise you, you can say it directly, don't beat around the bush so much." ”

Jasmine Huang: "......"