As a provincial branch of a national bank, in addition to lending, it also has the task of collecting deposits.

That's where the local constraints of the branch come in.

If you provoke the locality, where is the money stored in the treasury and state-owned assets not saved?

In which bank is the wages of those public officials and employees of state-owned enterprises paid?

A lot of times it doesn't need to be said explicitly, it's just a meeting of eyes, and everyone knows what to do.

There is no place for the bank to complain.

Therefore, if the local government does not have major problems, the banks still have to listen.

Before TOP's listing, in response to TOP's financial statement issues, President Tian tailored a loan model for TOP - buyer's credit.

TOP sells computers or not?

It is estimated that ordinary people in China do not know that TOP is still a computer sales company, and its market share is not low.

Xishu place, back then, regarded TOP as a son, and all the qualifications of the IT industry, the local government came forward to find the state and won all of them.

Back then, Fudan University didn't keep its qualifications, but TOP easily got it.

President Tian drew a circle on the business scope of the TOP business license, and thus there was the birth of the TOP little-known computer sales business.

There is no sales fraud in this, and the reason why the TOP computer machine is not famous is because they actually sell the computer to primary and secondary schools, and do not set up stalls in the market.

Buyer's credit, that is, the bank provides money, allocates the computer to the school, and the school pays the money back to the bank through education fees.

Correspondingly, there are also TOP mobile phones.

TOP's mobile phones are all in cooperation with telecom operators, TOP sells mobile phones to telecom operators, and in third, fourth and fifth-tier cities, telecom operators put their own logos on mobile phones, give them to consumers, and collect phone bills.

In fact, these two businesses are not very profitable at all, and the TOP are all foundry, and each unit earns a little channel fee, and the gross profit is very low.

However, when it comes to the income from the financial statements, especially the operating income from the cash flow statement, this flow is rattling.

The indicators that banks pay the most attention to are good to see a mess in the TOP statements.

If this is the case, this loan model will be criticized, but it is compliant.

This is originally a supply chain finance model.

As long as it's compliant, nothing big happens.

It is the lack of ability of Tian Zhongming and the lack of risk control ability of Xishu Branch, which is a problem of ability, not an attitude problem, and not a subjective will problem.

But......

Tian Zhongming sighed.

Song Ruhua's villa, now to live in, is too hot.

Under his instruction, Xishu Branch provided a total of 1.8 billion yuan of buyer's credit line to eligible units, so that TOP Software's computers and software were "applied" in the national education system.

Although all this has a TOP guarantee.

But as the bank that knows TOP best, Tian Zhongming knows too well whether TOP can afford to pay back the money, and he is too aware of the loopholes in this chain.

If one link in the supply chain is broken, the whole chain is ruined.

The bank gave money to the education system, and the education system gave the money to the TOP, but if the TOP could not deliver the computer, the education system would not be able to rely on the computer to charge, and the bank would not be able to repay without income.

It is even possible that those primary and secondary schools have actually collected money from parents, but the schools have not been able to get computers.

As a result, the entire education system has exploded, and a bunch of primary and secondary schools have fallen into a state of 'bankruptcy'.

In Tian Zhongming's view, the industrial park is nothing or anything, and this special thing is the biggest thunder in the TOP.

The industrial park is nothing more than a place to deceive.

In fact, there is still the possibility that the two sides can sit down and talk.

After all, with the mud, everyone changes the way to play the game, and then they all exit decently, which is the best way, and detonating and demining is the lowest way.

However, it was the education system, and in the end, it was faced with the common people who worked hard for their children to study.

Under the excitement of the crowd...... Tian Zhongming felt that his ten heads were not enough to cut off.

So he can only try to maintain the TOP bank credit, at least in his Xishu branch, even if he borrows new and pays off the old.

Song Ruhua's letter of thanks to all walks of life for the anniversary, he understood.

For banks and other financial institutions, Song Ruhua's meaning is, 'The principal, Lao Tzu is not ready to pay it back, the interest will be paid, you can't force me now, you can only support me, I'm good and you are good.'" But if you want to take out a loan to up, you will bear the consequences. ’

Tian Zhongming didn't want to blow up the TOP, so he stubbornly resisted the requirements of the Xishu locality, and at the cusp of now, he made an extension of a round of loans for the TOP in advance.

But what he never expected was that Xishu's hatred of Song Ruhua was so great.

You have to kill the TOP.

The internal audit department of the head office came over, and the people who knew him told him as soon as possible that it was someone from Xishu who stabbed the bank.

The PBOC is not a bank, but a regulator.

So the head office can't help it.

Tian Zhongming didn't know what to do at all.

Even, he didn't even have the opportunity to call Song Ruhua now.

At this moment, he has been notified by the internal audit to inspect the actual control.

Tian Zhongming sat paralyzed in his seat, his mind in a mess.

Half-loud, he gritted his teeth.

Dead friends don't die poor!

Sooner or later, your own problems will be found out.

It's better to be frank and lenient.

He got up and quickly pushed open the door and said to the staff of the inspection institute at the door, "I want to report!" ”

……

At the beginning of the century, every big city had a street full of electronic equipment stores, and there was a kind of hypermarket called a computer city.

Generally, if the computer is installed, the customer will first take the configuration list after he goes.

Each home will have its own configuration sheet, which is similar to a table, listing all the components needed for a computer.

This set of configuration lists is basically the menu of the lambs that were slaughtered after entering the computer city.

Overall, such a set of choices is similar to a la carte platter, with certain limitations, such as the basic motherboard chip is determined if the CPU type is selected, but the brand is optional, and the memory type is also determined.

However, except for some accessories, the selection surface is very small, such as CPU, which is 2 or 3 brands, and several models are available, but others have a lot of space.

The key is the free combination, which is much more free than the brand machine, and the price is relatively cheaper.

As for the profits of these installers in the computer city, shrimp has shrimp roads, and crabs have crab roads.

Most boys, in those days, loved to visit the computer city.

Not only are there a lot of strange things, but there are also some cool young ladies dancing performances in the computer city every weekend, which attracts the attention of boys.

Liu Jianhong, Wu Jun, and Zhuo Lang's eyes were attracted by the girls singing and dancing above at this moment.

The camisole tank top heated pants, the white thighs, the pink and tender navel, and the basketball dancing to the beat made their steps stop.

"It's exciting!" Zhuo Lang wiped his mouth, and his eyes kept turning in the direction with the dance of the young lady on the stage.

Wu Jun couldn't help licking his lips, "I have to say that the singing and dancing of the Silla actress is a must!" ”

The song and dance being performed on stage is Park Ji-yin's "Coming-of-Age Ceremony".

"It's still the original MV with energy, and it looks no different from the film."

Liu Jianhong, who had tasted the forbidden fruit after Guo Ruixi's college entrance examination, shrugged his shoulders and said that these two junior brothers had never seen the world at all, and the dances and movements on the stage were all cut versions.

That's it?

His heart is like water, there is no wave, just appreciation.

Of course, the most important thing is that his family's steel green plum is also in the computer city at the moment, in case it is seen, it will not be easy to live at night.

Wu Jun and Zhuo Lang cut each other, as if they hadn't seen the movie.

But they really haven't seen this original MV, and they muttered to Liu Jianhong to bring it over tomorrow in the USB flash drive.

"Let's go! If you go up late, you will be scolded by Chairman Chen. ”

Yuan Da, who was behind the three of them, pushed the cart and urged them impatiently.

"Alas! Lao Yuan, touching fish is the fun of part-time work! ”

Having said that, Liu Jianhong and the others still turned around and began to walk towards the freight elevator with a small cart.

Two people in one car, one person pushes and one pulls, Zhuo Lang feels like a slender man.

It's a pity that there is no little sister on the bow of the boat, only a stuffy gourd Yuan Da pushing the car behind.

However, he can't say anything.

Just finished the college entrance examination, Yuan Da's family suddenly changed greatly.

This is something that no one can predict.

A few days after the end of the college entrance examination, before the scores came out, the news was reported.

It turned out that the cause of this year's magic college entrance examination was that a candidate in the southern county of Xishu Province stole the test papers, which led to the launch of spare papers in provinces across the country.

As soon as the news came out, the eighteenth generation of the candidate's ancestors were scolded out of Xiang.

But to no avail, it is not possible to add a few points to each of the millions of candidates.

Naturally, the state still gave an explanation.

The four people who were on duty that night in the entire southern county recruitment office were sent to prison.

The recruiters who participated in the duty were cleaned up from top to bottom for dereliction of duty and all dismissed from public office.

And Yuan Da's parents were recruited.

Although because of Yuan Da's college entrance examination this year, out of the principle of avoiding suspicion, the two were not arranged to be on duty to guard the test papers.

But under the thunder, he was still implicated and sputtered and assigned to be a rural teacher.

They can't be wronged, compared to others, they are lucky.

However, for this family, it is very specific.

There is no money for recruiting work, and the Yuan family, who has just bought a house, only has less than 20,000 yuan in the passbook at home.

When Yuan Da received the admission letter of Chengdian Branch, he was not happy.

20,000 yuan, which is only enough for four years of college tuition, it stands to reason that Yuan Da University can support himself by going out to work part-time.

However, Yuan Da still has elderly grandparents and grandparents at home, and if any old man gets sick, the family will not be able to get any money.

He is even considering whether to drop out of school, fight for another year, and take the normal exam with no tuition and subsidies.

Just when he was about to ask for help from the society without shame, something happened that made the family call the road to the sky.

A company in Jincheng called Riyue Guanghua Electronic Technology took the initiative to send him an invitation.

Riyue Guanghua proposed that a similar method of commission training could be used to provide Yuan Da with tuition and living expenses, and it didn't matter if he got a doctorate, as long as Yuan Da worked for him for a long time after graduation.

Yuan Da's parents shouted that pie fell from the sky, and without saying a word, they took Yuan Da to Jincheng to sign a contract.

They didn't care that the message for help hadn't been sent out yet, why did Sun Moon Guanghua know about Yuan Da's situation.

There's no need to think so much, what can others do for you?

Figure your son is handsome?

If that's the case, Yuan Da's parents don't think it's a problem.

The door-to-door son-in-law is very fragrant, isn't Yuan Da's roommate Qingyun like this?

Just check it out.

The company address of Riyue Guanghua is in the computer city.

When he walked into the office of the General Department, when he saw the figure sitting inside that obviously looked like a department manager, Yuan Da just wanted to turn around and leave.

However, the retreat behind him was tightly blocked by his parents, intentionally or unintentionally.

He never expected that it was Chen Yue sitting here.

When people are down, what they are most afraid of is not falling into a well, but meeting acquaintances.

It's embarrassing, and you want to get into the dirt and be an ostrich.

But it's more embarrassing than meeting acquaintances, meeting the goddess you've had a crush on for many years.

Even if you know that it is impossible for the two of you.

Yuan Da is not stupid, he knows very well what it means for Chen Yue to sit here.

Chen Yue, whose whole family eats organ food, gave up Qingbei and the National People's Congress, and chose to major in international trade in Fudan, and he was not blind to the discussions of his classmates in the penguin chat room.

is not chilling, and Chen Yue is originally Qin Manman's most ironclad best friend, human nature.

Combined with Qingyunge, who listened to the cocoon in his ears, Yuan Da knew very well that this company was the company of his roommate Qingyun.

Yes, he is the seventh man in the Purr Baby's bedroom.

It's just that Yuan Da and those brothers have always been a little estranged.

It's not that he is tall and unsociable, but he knows one thing very well, Chen Yue, the goddess of his dreams, actually likes Qingyun.

The human eye cannot be faked.

Although Chen Yue hid it very well, and only occasionally secretly glanced at Qingyun in the classroom, how could such a small action deceive Yuan Da, who had been quietly paying attention to her?

Therefore, what is Chen Yue's motivation for choosing revenge, he may know better than anyone else.

Yuan Da felt that this world was too ironic.

His goddess didn't even dare to confess, and licked Qingyun like a licking dog.

And he has to work for Qingyun.

What a bullshit world!

Chinese teacher Li Xiaobo said in the last lesson that Chinese education can only be closed at the moment when people experience it, and Yuan Da has a deep understanding of this.

'I and the spring breeze are both passers-by, and you bring the autumn water to the galaxy. ’

The spring breeze and I are just passers-by in your life, and you carry your favorite autumn water to embrace the brilliant galaxy.

Then, Yuan Da smiled bravely at Chen Yue.

Chen Yue also smiled and greeted his parents and invited them to sit down and drink water, and at that time, Yuan Da knew that his parents had already known the truth about this company.

It's not so much about sending yourself to the interview as it is about escorting you over.

What else is there to say?

This was the case at home, and he couldn't find a better place to go than here.

Poverty takes away pith.

Anyway, whether Qingyun is there or not, there is no possibility for him and Miss Guan Chen Yue.

Yuan Da lived in the staff dormitory of Riyue Guanghua on the same day.

Chen Yue said that the company's business is very busy now and needs manpower, so he can stay and earn a part-time income by doing summer jobs.

Being pitied and charity was given to others, this is Yuan Da's idea of turning over and over in bed that night.

However, when he officially went to work the next day, Yuan Da understood.

What's more, this company is really short of people!

Chen Yue said that when the installation company received it, there were more than 100 people, but Qin Manman only let about 20 front-line installers remain, a few went to the market, and all the others were dismissed.

The shops in the computer city that I originally brought with me were all rented out.

The so-called management, except for a middle-aged man named Guo Jing, is actually only Chen Yue.

The middle management is all from the Magnolia Group, but I heard that it is just to help for a while, and I have to go back later.

The chairman of the board on paper, Qingyun, is still missing.

Computer installation is not a high-tech job.

Yuan Da, who has loved electronic products since he was a child and likes to assemble some gadgets by himself, began his installation career after being brought by the master for half a day.

An operating table, a bench, a bunch of accessories next to it, and the first floor of Jincheng Digital Plaza are all like him.

Chen Yue found a lot of part-time students, but there were only a few familiar college students in their class like Yuan Da.

Yuan Da felt that he was a little cheap, this was obviously the way of life of the installation worker, but he did it with relish.

After all, the installation fee given by Qingyun to the installer is 20 yuan per unit.

Listening to the master, this price is neither high nor low, it is considered a market price, which makes Yuan Da feel very comfortable.

The master said that two years ago it was 40 yuan a unit, and now the computer profit is thin, and the labor cost of the installed machine will naturally decrease.

However, with the continuous improvement of installation tools and interfaces, the time it used to take to install one machine can now be installed two, which is about the same.

After a few days of proficiency improvement, Yuan Da can install 12 units a day.

This is very nice, 240 a day, 7200 a month, working for a month, basically a semester's living expenses are enough.

Although Riyue Guanghua Company will provide him with tuition and living expenses, who would be afraid of having more money?

According to the contract, he officially joined the company when it was reported in September and signed a part-time agreement.

There is a part-time salary of 1,000 yuan a month, and if you usually come to the company to help with affairs, the subsidy is calculated by the hour, and the subsidy amount is slightly higher than that of McDonald's.

That's pretty kind.

At this time, the average monthly salary in Jincheng was less than 1,500 yuan.

A part-time student can take so much, Yuan Da is already very satisfied.

He didn't want to get close to Qingyun's group some time ago, and he was also so careful.

But now that the situation at home is in this situation, he naturally broke off those thoughts that he had and didn't have.

People have to grow up.

He is not a fool, following Qingyun and Qin Manman, I don't know how much better it is than him who came out to open a blind box to find a job in the future.

Those two mouths, especially Qingyun, didn't say anything to their classmates.

Chen Yue said, listening to Qin Manman's meaning, this installation will not be long, and it will be the end of August until the end of August, and he will earn a day by doing it.

Yuan Da is also at ease with the card BUG, anyway, he has not officially joined the company now, so he is not sorry to get this money.

Also, it may be a short-term shortage of people.

Otherwise, if it is a long-term task, it is obviously much cheaper to go to the electronic school to find those secondary school students and higher vocational students.

At this moment, Yuan Da, who was pushing the cart, didn't want to talk for a very simple reason.

Tired.

(End of chapter)