Chase.

Zhou Ye arrived early this morning, not only Daewoo Trust was subject to regulatory inspection, but Chase Bank, as a commercial bank in the jurisdiction, also received the inspection notice under the current severe situation in the real estate industry.

The first inspection team, led by the director of the first section of the commercial bank, and composed of four supervisors from various banks, sat in the conference room of Chase Bank early in the morning.

Zhou Ye expressed his welcome: "At present, the economic downturn and the turbulence of the real estate industry, we very much welcome the regulatory authorities to inspect our bank, help us to check and fill the gaps in advance, and help us improve various systems and processes from a regulatory perspective, as well as the handling plan for the risks that have arisen."

"Every regulatory inspection is an opportunity for us to learn, and on behalf of all the employees of Chase Bank, I would like to express my willingness to actively cooperate and take it seriously, and strive to turn this inspection into an opportunity for us to improve our management......

As a member of the procuratorial team, Ma Jun looked at Zhou Ye, who was sitting in the seat and talking eloquently, with a strong aura, proper phrasing, sharp eyes, a decent smile on the corner of his mouth, and very polite words in his mouth, but he also put the supervisory authority and Chase Bank on an equal footing, neither humble nor arrogant.

This first close meeting, Zhou Ye gave Ma Jun a good impression, and more importantly, his appearance is very outstanding in a group of people, whether it is a delicate hairstyle, a high-quality suit, or shiny leather shoes, this occasion is not like a supervisor to inspect on the spot, but like everyone came to attend his wedding.

On the other hand, the scumbag jacket on his body, although this is a relatively popular wear in the civil service system, is obviously down a notch in the bank, an industry with the most handsome men and beautiful women.

"The person who connected this time is our regulatory department, the conference room has also been prepared, the printer and all the materials you need in the early stage are placed in the conference room, and the light meal and reclining chairs at noon have also been arranged, if you need our cooperation during the inspection, please say in time."

Zhou Ye went to work on his own affairs after finishing the entrance meeting, Ma Jun and the other people from the inspection team arrived in the conference room, the windows were bright and clean, and the room was very bright.

From above, you can see the most beautiful scenery of City A, and the location of Chase Bank is really good, just working here will make people feel comfortable.

From the high floors, there is a crowd of ants, and in the distance, the famous mountains surround the lake, which resembles the Royal Garden, sparkling in the sun, and some sailing enthusiasts are driving their sailboats to imprint white stars on the surface of the lake.

"Ma Jun, this time I seconded you here, and it also delayed some of your normal work, so you should look less, and the project of this real estate will be checked for you, and we will take care of the rest."

"Okay, no problem, I'll be fine if I do more."

Ma Jun took the project in front of him, opened it and saw that the top one of the materials was the cover of the file, neatly bound, his project was divided into six volumes, the table of contents in front of each volume was clearly visible, and the upper right corner of each file was coded.

There are a total of three file boxes, and from the first glance, it seems that the management of this bank is very standardized.

The six files are divided into the front, middle and late stages, and the front table of contents is marked very clearly, and Ma Jun can directly look up the catalog index if he wants to see any information.

"Their files are so beautiful, much better than the one I managed." Another steward said in admiration.

"Isn't there anything special about most of the files?" Another asked.

"Alas, don't mention it, all the files brought up by the family in charge of my household are scattered, and some of them are also hastily done, and a nail is set in the upper left corner, I can't find anything I want to find, let alone a catalog."

Ma Jun interjected, "Then don't you have to spend more time on the inspection?"

"yes, I didn't look at the files at all, and called their account manager over and asked them to help me arrange the files on the spot, explaining them to me one by one, do you know the results? The more they explained, the more incomprehensible it became, and even they themselves didn't figure it out

The logic in the file."

"Haha, if that's the case, then wouldn't the one you manage be too unreassuring."

"Not really, but fortunately, most of their loans are relatively small, unlike Chase, which is as big as Chase, so even if they take out a risky loan, the industry can afford it."

The case in Ma Jun's hands is 10 billion yuan, and the overall credit is 5 billion yuan. The project has been around for more than a year, but who would have thought a year ago that the real estate industry would change dramatically.

Because the archives are relatively complete and the classification is also very clear, Ma Jun quickly finished reading the project, from a general point of view, the procedures are legal and compliant, and the information that should be there is there, especially the four real estate certificates are also a lot, and all other warrants are available, and the guarantee measures are also very complete, and the qualification of real estate enterprises has reached the top.

Ma Jun sighed: "This billion is enough for the bank to digest for a while."

"Yes, it seems that their President Zhou has been busy this year, and the 10000000000000 profit has to be put in, but I think his mood is relatively stable, and he is not depressed because of this incident."

"Of course, who is President Zhou, he has been through strong winds and waves. At the earliest, he was disposing of the non-performing assets in the bank, and later heard that the disposal was very large, and the bad debts recovered accounted for 50% of the original, which was a remarkable performance, not only his personal bonus was high~ but also the profits of the original bank that year rose several rankings."

"That's so good, so what kind of ideas does he have on this real estate disposal?" Ma Jun was a little sour.

"I don't know about this, I'll ask the account manager to talk about it first."

Ma Jun directly asked someone from the legal department to call the account manager, and the account manager was frustrated: "I have been asking for accounts outside all day this time, and I have entered a new circle of friends who ask for debts, and every time I go to the conference room of his house, there are a row of people sitting in a row, all of which are from various banks and trust companies and some other institutions to ask for debts."

"And what is your bank doing now?" Ma Jun asked bluntly.

"Of course there is, we have done all the actions that should be done for property preservation, seizure and freezing, and we have also sued, but the process is very long, and I don't know how long it will take to resolve this matter."

"Where is your collateral?"

"There is collateral, our collateral is very high-quality, President Zhou asked us to change our thinking, not that we can only wait for the outcome of the lawsuit, we can also find a way to save ourselves."

"What are you going to do?"

The account manager scratched his head: "I don't know the specifics, these things are all talked about by President Zhou, and I may have to ask him, I just know that there are probably other developers who are interested in taking our collateral away."

"Is your President Zhou so deeply embedded in the business?"

"Of course, our President Zhou is very detailed, and his thinking is very active, the logic is also very clear, the definition of the goal in the industry is very clear, everyone will work towards this goal, and every time we set the goal, we will come up with their own plan, each plan is through President Zhou's purpose, if he thinks it is not suitable, he will adjust the plan to be feasible, so that we will not take a detour in the real operation."

Ma Jun listened for a long time to praise President Zhou: "Do you think President Zhou is a very good president?"

"Of course, he is the male god of our entire industry, everyone likes him very much, the most important thing is that he does our profits so well, and at the same time, he manages it strictly and humanely in all aspects, and also cares about the situation of employees, just like me, this time there is such a big risk, as a relationship manager, if I am in another bank, it must be the person who can no longer raise his head, but President Zhou comforted me and said that this is a systemic risk, and the responsibility is not borne by me alone. Now it's just a matter of finding a way to solve this problem."

First of all, the account manager's salary must be stopped, and secondly, all the things he does must also be stopped, and he will devote himself to the recovery of assets.

The account manager continued: "This will make me feel a lot less stressed, and during the quarterly appraisal, President Zhou also talked to me on purpose, saying that the bonus cannot be paid to me according to the regulations of the bank, but he will record my bonus there, as long as the risk of this project can be resolved, then these bonuses are still mine."

You said, just say this to him, do I have to follow him with all my heart, and I think the risk of this project can be solved sooner or later, if it can't be solved, then go through the litigation process, as long as the company does not go bankrupt, he can still find a way to save himself, or we wait for the day when the collateral is disposed of, and there will be a solution after all, so my heart is also settled now, and there is no anxiety like the previous risk. The white hair that had grown on the top of the head slowly retreated and turned into black hair."

The relationship manager's words made all the supervisors laugh: "I really didn't expect that there was a risk, and you still have such a good mentality in the bank."

"Isn't that the credit of President Zhou? With him we will have nothing to worry about."

After the account manager left, everyone present had a clearer understanding of Zhou Ye's character, I really didn't expect that in a bank, so many people would like this president.

"This is the most successful president, and I have never been in charge of the past as much as their staff."

"Yes, the performance indicators are good, the employees are good, and the thinking is very clear, who do you say doesn't want to follow him?"

Ma Jun listened to the descriptions of the other supervisors, and his heart was full of frustration.

How so?

This Zhou Ye is good at everything, and there are no shortcomings at all?

Is this also the reason why Lin Xin'er is dead set on him?

Ma Jun stopped talking, and looked at his file seriously, although he only had six copies, but he looked through it again, hoping to find some clues from the middle, this is his profession, and it is also the purpose of his inspection, after all, it is necessary to really understand the internal control of a bank with a skeptical attitude.