The working time in southern Xinjiang is 10 o'clock, two hours later than Ninghai. This is the reason for the meridian, if it is 6 o'clock in the east and 8 o'clock in the south.

Therefore, 10 o'clock in southern Xinjiang is 8 o'clock in Ninghai.

Before 7 o'clock in the morning, Song Hewan had already woken up, and she still insisted on running in the morning. However, the morning in Galinyan City is indeed very cold, and the wind is biting. So, she didn't run a few laps and returned to the hotel building.

Arrived at the place where I had breakfast on the 3rd floor of the hotel.

Song Hewan swiped the room card to enter, walked around, and sighed in her heart that although the city of Galinyan is not prosperous, the catering in the five-star hotel is really first-class.

The delicacies that belong to the characteristics of southern Xinjiang have all begun to wake up.

Mutton soup, chowder soup, beef noodles, grilled buns, thin-skinned buns, soup slices, meatball soup and oil tart, Baulsak...... Song Hewan was dazzled, and her saliva was about to flow.

Baked buns are mainly baked in naan pits, and the skin of the buns is thinly rolled out with dead noodles and folded into squares on all sides. The stuffing of the bun is made with diced mutton, diced sheep's tail oil, onion, cumin powder, refined salt and pepper, add a small amount of water, and mix well. Then put the wrapped raw buns in the naan pit, and it can be baked in ten minutes, the skin is yellow and bright, the skin is crispy and the meat is tender, and the taste is fresh and fragrant.

This is one of the favorite delicacies of the people of southern Xinjiang, Song Hewan took two and served them with a bowl of milk tea.

The taste of milk tea in southern Xinjiang is different from that of other places, it is salty, made of brick tea and milk slowly boiled, the milk flavor is rich, the freshly burned milk tea is poured into a bowl, and there will be a thin layer of milk skin after drying for a while.

A mouthful of roasted buns, a mouthful of milk tea, endless aftertaste. After breakfast, Song Hewan felt warm and warm all over her body, and it was another day full of vitality!

At 9:15, the group of Hengchuan Securities was ready to go.

Urban investment company, the abbreviation of urban construction investment company, is an investment and financing platform for major cities across the country, and is a special market business entity. Generally, the business of such companies is basically public welfare or quasi-public welfare, and has little profitability, such as land consolidation, infrastructure construction, water affairs, etc.

Of course, this weak profitability does not mean that they will collapse. The "witty and cunning" major financial institutions will not lend money to such companies because they do not make money. Because, such companies also have financial support from local finances.

Therefore, the relationship between an urban investment company and the local government is particularly important.

According to Tang Yuwen's logical framework for urban investment described to Song Hewan, the first two screening criteria for urban investment companies by Hengchuan Asset Management are: local financial strength and the local status of urban investment companies.

Galinyan City Construction Investment Group is the only local infrastructure investment and financing platform, Song Hewan deliberately checked when looking at the information, the status of this urban investment company is absolutely core and important in Galinyan City.

However, what makes Hengchuan Asset Management waver is that the local financial strength is on the edge of the red line that the Credit Management Department of Hengchuan Asset Management believes that it can or cannot be invested.

Therefore, the local government's perceptions, attitudes and measures towards the urban investment companies are crucial.

It would be great if they could meet the leaders of the city's asset management as the two managers of the fourth project department said.

The location of the Galinyan City Investment Company was not far from the hotel where Song Hewan and his party stayed, and they arrived at the City Investment Company 15 minutes in advance.

After checking in at the front desk, the four of them were led to a small reception room by the staff. There were two desks and a sofa in the reception room, and the executives of the city investment company brought two more stools for them.

The project manager and Tang Yuwen humbly conceded, and finally let the two people from the credit management department, who "can control the power of life and death of the project", sit on the sofa, and they themselves sat on the stool.

Song Hewan understands that this project is what the four departments are eager to do, and their performance bonuses are linked to the amount of the project, but not to the risk. In this way, of course, they will be polite.

She didn't shirk these things, what she was thinking about at the moment was that the people from the urban investment company actually left the four of them here to ignore it, which was really a bit unexpected to her.

I thought there would be at least one conference room...... Even so, she didn't dare to slack off in the slightest, and hurriedly turned on the computer and prepared the documentation in case the interview started at any time.

At 10:15, the manager of the fourth project department began to sit still.

He realized the abnormality of the situation and hurriedly went out to find a contact person and make a phone call. After a while, he returned to the reception room and said to Tang Yuwen apologetically, "I'm sorry, Sister Tang, let's wait a little longer." The management of the group is in a meeting and will come over after a while. ”

"How long?" Tang Yuwen frowned and asked, "We came with a mission, and we also sent each other an interview list in advance yesterday." If the questions to be asked are not clarified, we will not be able to come up with a credit opinion. ”

"Yes, yes, there is also a sudden situation on their side, saying that there is a meeting in the city that has dragged on. Our problems will definitely be solved, and if we can't, let them email us back. "The project manager has a good attitude and is very clever.

But Song Hewan wondered in her heart, if she could reply to questions by email, then why bother to do her due diligence on the ground?

Tang Yuwen shook her head, and then said: "Data and the like can be provided by email, but there are some problems, we still need to find out in person, and it is better to explain clearly." Before, you said that you made an appointment with the general manager, finance, investment and financing, and the leaders of the city, right? I don't know how you coordinated, can you see them today? ”

Tang Yuwen's words were to the point, and the knife was bloody. The project manager felt like beads of sweat were going to run down his forehead.

Looking at the current situation, there is a high probability that the leaders of the city will not come. However, this is also to blame on the contact person of the investment and financing department. It was he who swore that "the leaders of the city attach great importance to our financing, and will personally come to the scene to communicate with financial institutions and help them stand on the platform." ”

But just now, when he went to find them again, the liaison person's performance seemed to be completely different from what he had agreed before.

Something should have gone wrong in the middle.

The project manager secretly weighed that his order was going to be yellow, and he wanted to make a big order before the year. My team searched for assets for a long time, and finally got in touch with this one.

Hengchuan likes to do urban investment projects, and this family's land is the core in the city, and Hengchuan's credit rating is likely to pass. But now...... Alas!

He also has a lot of pressure, and the company is about to be assessed when the year is approaching. The project department is performance-oriented, and the project KPI of its own team is still short of this one. I thought that the amount of this order was enough, the price was good, and maybe I could get more bonuses to celebrate the New Year.

It's okay now, and the pigeon was slipped. If you don't get it right, you will have to resign and leave next year.

Tang Yuwen's eyes were full of scrutiny, and she could see the project manager's reaction.

She is a veteran credit reviewer with ten years of experience, and she has seen a lot of twists and turns, and there are many more tricks in doing projects, so she naturally began to doubt it.

Whether in her previous life or in this life, Song Hewan was in contact with credit rating for the first time, and she was full of questions about the "unexpected situation" in front of her.

In her eyes, Hengchuan Securities has always been a "tall" existence, the cloud of this industry, the top of the pyramid. But I didn't expect that the financial people here would also receive a "cold reception" on a business trip.

The financial migrant workers really live up to their name.

But she chose to put the question in her stomach first, listen to them quietly, and finally ask Tang Yuwen in private.

At 10:45, except for the administrative lady of the urban investment company who served tea and poured water, there was no one in the reception room who was subject to due diligence.

The air seemed to freeze, and it was embarrassing. However, Tang Yuwen has begun to make phone calls and open WeChat videos to deal with family affairs as if nothing happened.

"Mom, I'm on a business trip, don't forget to pick up Taotao these few nights."

"Husband, I took my coat to dry cleaning the day before yesterday, and you go to the dry cleaner after work tomorrow to get the clothes back."

“……”

Song Hewan quietly looked at the computer, learned the industry analysis method of credit rating, and was familiar with the situation of the due diligence company, without saying a word.

The project manager paced back and forth in the cramped reception room, and finally couldn't contain his inner anxiety and went out to negotiate with the people of the city investment company.

11 o'clock sharp.

After waiting for a full hour, the person in charge of the investment and financing department of the Galinyan City Construction Investment Group walked into the reception room with an apologetic expression with a "little soldier" under his command.

"Sorry, sorry, for keeping you waiting. The meeting in the city has just ended, and there is an urgent task for the time being, and our entire team has to attend the meeting, which is really inseparable. ”

As if grasping at a life-saving straw, the project manager stepped forward to shake hands with the person in charge. "You are Director Wang who I contacted before, you can be regarded as meeting. I am Liang Tao, the head of the fourth project department of Hengchuan Asset Management, and these two are senior analysts in our credit management department. ”

Casually, he took out his business card and handed it to Director Wang of the urban investment company.

Director Wang was also prepared, and he and his "little soldiers" also took out business cards from their pockets and handed them to everyone in Hengchuan one by one. The male colleague under Liang Tao and Tang Yuwen also found business cards from their respective habitual places. For a while, the reception room turned into a scene where everyone exchanged business cards.

Song Hewan was on a business trip for the first time, and she didn't know that there was still a business card.

After a brief moment, she quickly coped. When Director Wang handed her the business card, she took it with both hands and said with a professional smile: "I'm sorry, Director Wang, my business card has been sent, and the new box printed by the company has not been sent yet." ”

Director Wang's face was kind, and he said with a praising expression: "It's not easy for you to do finance!" Traveling north and south every day, researching everywhere, this business card is not enough! ”

Song Hewan smiled and nodded and said, "Yes." ”

Tang Yuwen and Liang Tao naturally knew that Song Hewan did not have a business card, because it was impossible for Hengchuan to print business cards for interns. Therefore, Liang Tao pinched a cold sweat for Song Hewan just now.

It was only when he saw her that he remembered that she didn't have a business card, and was worried that she would blurt out something like "I'm an intern". That is a big no-no when dealing with companies.

First, it will make the other party think that your institution is so unprofessional and does not pay attention to it, and you will send an intern over a billion-dollar financing project?

Second, it will also make the leaders of the other company not come to Taiwan, and they will have a bunch of leaders, department heads, and cadres to answer questions for the interns of the organization...... Although this is not impossible, it is always about business and projects, and everything still has to take into account the faces of both parties.

Thinking of this, Liang Tao couldn't help but look at Song Hewan with approving eyes again.

After the two sides exchanged business cards, it seemed that the interview was about to begin.

At this time, Tang Yuwen opened her mouth and asked, "I'm sorry, Director Wang, I want to confirm with you, are you the only one to answer the interview questions?" That's right, I don't know if you have received the interview outline provided before, but I actually have some questions on the financial statements here, is the person in charge of our finance here? ”

Her tone was calm and flat, not offensive or displeased, and she expressed her opinion sincerely. But later Song Hewan reacted, and this simple sentence was a crucial issue in this meeting.