Early the next morning, Jiang Yan rushed to work, if the morning meeting was late and the roots of his ears were not clean, President Zhuge couldn't beep for a while.

This Zhuge president, a single name and a sea character, in his early 40s, is the oldest president in the industry, and he has many industries, and has made a lot of money in the past few years by relying on small commercial housing and timber business, and he is a Q5. Many little girls in the industry praised him as a business wizard and admired him very much.

Today's President Zhuge was a little unhappy, and the whole morning meeting beeped non-stop, criticizing Jiang Yan vigorously, such as not taking responsibility and not thinking about customers.

The other people were confused, but Jiang Yan's heart was like a mirror, and he said that it was just for Hu Jin's loan?

Jiang Yan couldn't stand it anymore, and said loudly: "I have done Hu Jin's 500,000 yuan on the weekend, but the other party just doesn't come to withdraw money, I feel a little strange, I suggest that the branch loan review committee do further investigation." ”

As soon as Jiang Yan finished speaking, Zhuge Hai's face sank. He spoke in a deep voice: "Let's just go to this matter, everyone is busy and doing their jobs." I found that your Vice President Jiang's work attitude is very solid, and a loan of 500,000 yuan requires me, the president, to accompany you to investigate, this is to ask me to work for you! ”

"Flicker, flicker" This is Jiang Yan's inner words at this moment.

"President Zhuge , why don't I go with Brother Yan, and I will also learn about the loan business by the way."

At this time, a sweet voice sounded, it was the voice of the teller Mu Yao.

Mu Yao is a new employee who has just joined the company for a year, and she is also the face of the industry, she has a good relationship with Jiang Yan on weekdays, and she intends to relieve Jiang Yan when she speaks at this moment.

When Zhuge Hai heard this, his face changed again, and he said impatiently: "Just do your part, since our Vice President Jiang has objections, the president of the bank will accompany him on a trip." ”

When Mu Yao heard this, she stuck out her tongue stupidly, her face full of embarrassment. The others were also silent, and it was clear that this was not the time to be in the limelight.

The morning meeting was originally only a few minutes, but it was turned into a criticism meeting against Jiang Yan by Zhuge Haisheng. It wasn't until the impatient grumbling of customers came from outside the roller shutter that it ended.

Loan customer Hu Jin's home is not far from the bank, about 20 minutes by car. This time it was Zhuge Hai who drove by himself, not that he wanted to be Jiang Yan's driver, but that he really looked down on Jiang Yan's car. As for letting Jiang Yan drive, don't mention it, I remember that the last time Mu Yao closed the door, he used a little more force, and he was severely reprimanded.

Q5 drove very slowly, but Zhuge Hai turned his face and smiled, saying that criticizing you is also for your good, which is a kind of training.

Seeing that Jiang Yan was silent, Zhuge Hai turned to chatting about family life. He knew the situation of Jiang Yan's family, so there was some encouragement in his words, hoping that he would not live up to the expectations of the leader and turn to the right side as soon as possible. The second is that the president can earn more money, and it is natural to buy a house, so that parents can enjoy happiness earlier, right?

When Jiang Yan heard this, he didn't want to be dumb, and said that of course he had to work hard and get a promotion and salary increase as soon as possible.

Zhuge Hai smiled slightly, and said again: "I guess you also know, how can it be possible to open Q5 with the salary of the unit?" It's almost the same to open QQ. You also have to admit that you still have to learn from me in the way of business. Working in a bank, there is no shortage of high-ranking officials and dignitaries who have made friends, and the best way to get rich is to do both work and business! ”

Jiang Yan smiled: "This is natural, I also agree with your statement, but at present, I have no plans to do business, my social status is not high, and I don't have partners and resources to help do business, let it be!" ”

Zhuge Hai also sighed twice and said: "You are too honest, you are the vice president, and you have the power in your hands, and the so-called current official is not as good as the current management." You have a good reputation in Jinqu, everyone trusts you very much, why do you not make money by looking for some people to get a low-interest loan of several million? ”

Jiang Yan was silent for a while when he heard this, thinking that he was waiting here for the main topic!

Seeing that he didn't speak, Zhuge Hai added: "If you think it's useless for me, I'll pay you the interest on the fixed deposit, and you just lie down and make money." ”

Jiang Yan was silent again, and didn't answer, thinking that your ecstasy soup was poured directly, and it was simply thrown off the pot. He wasn't stupid enough to immediately refute the leader, he just opened the window and turned his face out of the window.

Immediately after, there was a roar of the engine, and the Q5 suddenly accelerated.

After a while, I saw a middle-aged man waiting on the side of the road, dressed well, looking like a businessman, and there was a Land Rover next to him, presumably this car was also his.

The middle-aged man helped Zhuge Hai open the car door, Jiang Yan naturally didn't have this treatment, if he really did, he wouldn't be used to it. Seeing the other party's behavior, he had already judged a few points, at least he was quite wealthy, and 500,000 yuan was not a big deal.

The group of three walked along the gravel path and stopped at a private house. Jiang Yan hesitated in his heart, he really hadn't been here before, and he hadn't seen the middle-aged man before. It's not that he doesn't conduct loan investigations, but Zhuge Hai said that he has already investigated the loan, and he also gave the information to Jiang Yan. He will not investigate behind the leader's back, and say that the other party's investigation is not true, right?

Of course, this is just Zhuge Hai's routine operation. However, he has carefully verified all loans greater than 100,000 yuan, such as inquiring about the purpose of the loan, the source of repayment, and the legal liability and difficulty in collecting money caused by the transfer of others.

If Hu Jin withdraws money as scheduled, this business will be done, and it is a big deal to work harder, do more post-loan inspections, and intervene and dispose of risks in a timely manner. Facing the pressure of the leader, this was Jiang Yan's original plan.

The door was closed, and it was clear that the owner of the house was not at home.

"It seems that this goods have gone into the city to find the mother-in-law again!" The middle-aged man sighed helplessly, and used the word "this goods", obviously with great disgust.

Jiang Yan naturally understood the meaning, and asked instead: "Boss Hu, this is Hu Jinjia, right?" Why not at home? ”

Boss Hu was about to speak, but Zhuge Hai was the first to speak: "This Hu Jin is Boss Hu's nephew, a big grower here, with 500 acres of mountain grapes, and it is the time to use money." ”

The middle-aged man surnamed Hu is named Hu Jinshan, mainly engaged in seedling and hotel business, and Jiang Yan has never seen it in the past business entertainment. I wanted to come to Zhuge Hai to make a lot of friends, but I didn't think much about it, and it was polite to call the other party Boss Hu.

Hu Jinshan coughed dryly, and then said, "Let's go and see the grape base!" ”

Jiang Yan and Zhuge Hai didn't speak, and arrived at the grape base in a few minutes. Seeing that Zhuge Hai and Hu Jinshan were talking on the side, their voices were not loud, Jiang Yan walked away with interest, walked around in the vineyard, and he also chose a piece of high ground, of course, to visually inspect the planting area of the vineyard.

Seeing that the vines were growing well and were cleaned up cleanly, I couldn't help but praise Hu Jin secretly in my heart. With his personal experience, he can infer that this vineyard will be put into production in the next two years, and combined with the current price of mountain grapes, he feels that the risk of the loan of 500,000 yuan is controllable.

As soon as he thought of this, Jiang Yan's heart reflected: "I have the heart of a villain!" ”

In fact, this loan investigation is not difficult, that is, to verify the authenticity of the purpose of the loan, interview the borrower, verify the input and output, find out the source of repayment, and at the same time understand the risk points of the loan, so as to increase the default cost of the borrower in a targeted manner and ensure the safety of funds.

As for the interview with the borrower, he was naturally exempted, and it was impossible for him to refute the leader's face again, and Zhuge Hai repeatedly said that he had investigated and interviewed.

Jiang Yan saw that the planting area of the grapes was about to be realized and the output was about to be realized, so he took a few photos and then strolled around. He didn't plan to eavesdrop on the conversation between the two, and in his opinion, the two of them just had some business dealings.

Next to the vineyard, a series of rape flowers bloom all over the ground. Jiang Yan liked it very much, and also took a few photos to post on Moments, which is also a routine operation for young people.

During this period, some farmers who passed by came out of Jiang Yan and took the initiative to say hello. The two chatted for a while, and Jiang Yan also solved some small problems for the other party, such as mobile banking, which is an operation that the elderly do not understand.

However, the old farmer broke the news, saying that the owner of the vineyard was not Hu Jin at all, and the real boss was a foreigner surnamed Ma, and the land was still rented from his family, and the boss of the horse did not come often, and the general management was handed over to the old farmer in front of him.

The old farmer even broke the news that Hu Jin was really Hu Jinshan's nephew. Hu Jin is in his 40s this year, a bachelor, lazy to eat all day long, and even the house is built by the government. As soon as he has money, he buys wine and meat, and often goes to the city to find his mother-in-law to consume.

Jiang Yan listened, and secretly said in his heart: "I see!"

On the return trip, Zhuge Hai was in a good mood all the way, the sound of music echoed in the car, but his mouth was humming another tune, obviously his mind was elsewhere.

Back in the office, Zhuge Hai explained the follow-up of the loan, saying that Boss Hu, who planted grapes, was on the way back and could handle the withdrawal procedures in the afternoon, and asked him to continue to follow up to ensure that the loan was released on the same day and provide high-quality services to high-quality customers.

Jiang Yan's thoughts were racing, and he said in a deep voice: "Well, when Boss Hu submits the last few materials, you can release the loan." ”

Hearing Jiang Yan's clear answer, Zhuge Hai left satisfied.

Jiang Yan did not procrastinate, and immediately called Hu Jin, asking him to submit the land lease contract of the vineyard, the purchase order of pesticides and fertilizers, and the salary flow of the hired farmers when withdrawing money, etc., the reason is, of course, to ensure the smooth withdrawal and the integrity of the information.

In the afternoon, Jiang Yan didn't go out, of course, he was ready to receive this high-quality customer, and even prepared the contract that the other party was going to sign. Seeing this, Zhuge Hai was quite satisfied.

But when it was time to get off work, this Boss Hu just didn't come. Immediately afterwards, Jiang Yan was called into the president's office, and he naturally knew what was going on, so he could only bite the bullet.

In the office, Zhuge Hai beeped for a while, but this time he also called Guo Qinqin, the director of the branch.

Guo Qinqin's position is half a level lower than Jiang Yan's, but there are people who support her waist and help for a while, and Jiang Yan is not counted, but they are just innocuous and so on. For example, as the vice president, the information he handles is not standardized, the signature is too sloppy, and he does not respect the leadership, and he also says that President Zhuge is dedicated to the public, saying that he is always holding back, and so on.

However, he has seen a lot of the double reeds of these two, and his heart says please continue your performance. What is surprising is that they did not mention anything about Hu Jin's loan, only saying that Jiang Yan did not take enough responsibility and ignored the suffering of the people.

In contrast, Jiang Yan has long been used to it, but countless "grass horses" galloped past in his heart.

Jiang Yan naturally didn't like Guo Qinqin's behavior, and he also knew about the sneaky behavior of the two of them at some times. But Zhuge Hai's other words angered him, and even he didn't expect this Zhuge Hai to be so outspoken: "If you don't listen to the leader, you have no future!" I'm going to fix you in minutes! ”

Jiang Yan's anger finally broke out, and he coldly threw out a sentence: You really don't understand the future I want.