money is not guilty

Chapter 1 Why do you have to repay the loan based on your ability?

When Wang Chong received a call from Lin Tianhua, the president of Donghua Bank, he was going through customs in Luohu, Shenzhen, and was preparing to attend the [-]th birthday of his mentor, HKU University economist Luo Zhisen.This was planned two months ago. For this reason, he took two days of annual leave for the first time in three years. Together with the National Day, he could make up a full week and catch up with his tutor and old classmates.

Lin Tianhua knew about this vacation. If there was no special matter in the business, Lin Tianhua would not have made this call.On the other side of the phone, Lin Tianhua asked, "Where are you?"

"Clearing the customs." Wang Chong answered truthfully.

Lin Tianhua said: "The vacation is cancelled, you come back immediately. President Li will give you a briefing later." After finishing speaking, he hung up the phone.President Lin's phone calls have always been simple and irrefutable. Over the years, Wang Chong has gotten used to it.

After a while, Li Youtian, the vice president in charge of business, called, "There is a problem with Xinfu New Energy."

Wang Chong frowned. He had the impression that this loan belonged to Gu Tiande of the Chengdong branch. In March last year, Xinfu New Energy took a loan of 3 million yuan in the Chengdong branch. After it expired in March this year, it could not be repaid. More than 200 days.

Today is the last day of the third quarter. If the loan is classified as doubtful, a 150% provision for losses will be made.Originally, Donghua Bank’s loan scale of 335 billion was not a problem, but now Donghua Bank’s non-performing loan is 6.69 million. If the 200 million is included, it just exceeds 2%. For the management of East China Bank, it is absolutely unacceptable. (Note)

Wang Chong asked, "As a result of communicating with Zhou Yuntao last week, didn't they agree to repay the loan at the end of the month? Besides, this loan is the business of the Chengdong Sub-branch. Wouldn't it be more appropriate for President Gu to come forward?" Vice President Li Youtian was in charge The business is Wang Chong's direct leader. Some things are difficult for Wang Chong to argue with Lin Tianhua, but he is not so reserved with Vice President Li.

Li Youtian said, "Gu Tiande sent their account manager Zhang Feifan to collect collections. That kid has only been working for three months. How can he do this kind of work? Gu Tiande, an old fritter, has gone hiding somewhere. President Lin asked you to come back Deal with this matter. Wang Chong, our bank will be listed next year, and no matter what, we must not let this loan enter non-performing!"

Wang Chong was very depressed. He had done this kind of job as a firefighter countless times, but now he was thousands of miles away, which was obviously embarrassing.No wonder some people say that once you enter the bank, it is as deep as the sea, and you will be a passerby on vacation from then on.However, considering Wang Chong's character, such words would be slanderous at most, and he would never say it out loud.

Wang Chong thought for a moment and said, "I can do it, but the industry must be prepared."

What Wang Chong meant was very clear. There are many ways to deal with this kind of non-performing loan. The most common way is to increase the credit line of other companies so that they can digest the loan.Or, register a shell company, issue a loan, and bear this bad loan. However, the regulatory authorities have recently investigated it strictly. Once it is verified, it will be a sky-high fine, and the risks and costs are a bit high.

Li Youtian said, "You don't need to talk about this, I won't talk about it, come back quickly. President Lin is going to have a meeting."

Wang Chong knew Lin Tianhua very well. Just like him, this president was a workaholic.Once when an executive meeting was held, a branch manager was 5 minutes late. Lin Tianhua directly threw his conference desk sign into the trash can and removed his stool. hour session.

Wang Chong took a deep breath and officially entered the working state.

He called Zhao Ying, the administrative staff of the department, "Book me the earliest flight ticket from Shenzhen to Donghua, and pick me up with Liu Mingliang at Donghua Airport before [-]:[-] p.m." Then he called Liu Mingliang, the account manager of the department , "Collect all the information of Xinfu New Energy for me, including loan application information, latest credit information, litigation information, account history, the more complete the better. If you can get his call records, that would be even better."

Wang Chong originally wanted to remind Zhao Ying to bring her work uniform, but Zhao Ying was always careful and thoughtful, so she didn't call again.He rummaged through the phone book for a while, and found the phone number of Ma Xiaoxiao, a classmate from "Donghua Daily". After dialing, the phone was busy.

Not long after, Ma Xiaoxiao called back, and said with a smile, "President Wang, what instructions do you have? Did you miss a beautiful woman during your trip to Hong Kong, and you remembered me? Shopping in Hong Kong is cheap, and you are going to bring me a gift. I have taken a fancy to a Hermès bag, and I will send you the style in a while."

Now Wang Chong is the general manager of the small and micro business department of Donghua Bank. Every time she sees Ma Xiaoxiao, she always addresses her as President Wang. Over time, Wang Chong has gotten used to it.

Wang Chong said, "Big reporter, I can't afford such an expensive item."

"Don't come here, a person with an annual salary of 40 can't afford a bag?"

Wang Chong saw her talking away, and said, "I haven't been to Hong Kong yet, so I won't be called back. I have business with you. I remember you interviewed Zhou Yuntao, the boss of Xinfu New Energy. How do you feel about this person?" "

Ma Xiaoxiao was a little unhappy, "Why mention him, this man is a lecherous ghost, he kept staring at my chest lewdly during the interview, if it wasn't for the higher-ups' explanation, I wouldn't be bothered to do an exclusive interview with him."

Wang Chong said, "A man would look at you!"

Ma Xiaoxiao scolded a hooligan, and said, "If you want to see it, that's another matter."

Wang Chong was a little overwhelmed, so he got down to business!

Ma Xiaoxiao said, "He has a lot of connections in the government. His company's new energy projects receive no less than 500 million financial subsidies every year. It is said that this guy has a mistress outside, and he almost divorced his wife because of this. "

Wang Chong asked her to investigate this lover, and Ma Xiaoxiao opened her mouth and asked, "What's the benefit if I help you investigate?"

Wang Chong said that we have had a revolutionary friendship for more than ten years, and talking about benefits is a bit vulgar.Ma Xiaoxiao scolded the cheapskate, and said, "Is it necessary to invite you for a meal? It just so happens that an old classmate of ours came back, and you come back to have a gathering together on National Day." Wang Chong asked who it was, and Ma Xiaoxiao He smiled, "Just keep it secret, you'll know when you see it."

After hanging up the phone, Wang Chong received the flight information from Zhao Ying: the flight at 12:30 noon, the flight information CAXXX, I wanted to book the first class, but the boss refused to approve, I booked the business class, a warm reminder: there will be light rain today, and there will be more flights later. With a grimace.

Wang Chong stopped a taxi and hurried over to Bao'an Airport. Before boarding the plane, Wang Chong received the information about Xinfu New Energy from Liu Mingliang's WeChat. Wang Chong briefly read it, then repeated, and continued to add .

There was a roar, and the Airbus A320 plane rushed into the sky, and the sound of airflow caused the fuselage to turbulent.

Wang Chong's face was a little pale.He has been afraid of heights since he was a child, so he usually travels. If it is not necessary, he seldom takes a plane. Today, he took two flights in a row, which made him feel a little overwhelmed, and he almost vomited. Ordinary airflow is not dangerous, and the situation still hasn't improved. He took out the vomit bag and put it in front of him, just in case.

Wang Chong originally wanted to take advantage of the two-hour flight to study the materials of Xinfu New Energy, but he only took a second look. His physical discomfort made him dizzy, so he immediately leaned on the back seat and closed his eyes to rest his mind.Suddenly someone shouted, "Manager Wang!"

Wang Chong saw that it was Zhao Xiaocheng, the financing director of Tianma Group, and with him was a 50-[-]-year-old foreigner, and three or four Hong Kong people in suits and leather shoes.

Tianma Group is one of the three largest group companies in Donghua City. It has three or four listed companies. It pays more than one billion taxes to the city every year. It is a major taxpayer in the city. Going to Tianma Group for research and investigation.

Chairman Qi Zhongyuan is over 90 years old. He was a private teacher back then and was so poor that he couldn’t even marry a wife. After the restructuring in the 2s, he went into business. Over the years, the group has become a group integrating textiles, real estate, non-ferrous metals, and investment, with more than a dozen subsidiaries and nearly [-] employees.Today, the overall business of Tianma Group has been handed over to the family management, and there are only two jobs left: asking for land from the government and asking for money from the bank.

The financing department is one of the largest departments of Tianma Group, and it is said that there are more than 200 people.The financing director, Zhao Xiaocheng, is Qi Zhongyuan's confidant and his subordinate. Wang Chong once worked in the business department of the company and met Zhao Xiaocheng a few times. Unexpectedly, Zhao Xiaocheng recognized him.The two greeted each other and chatted for a while.

Tianma Copper, a listed company of Tianma, is preparing to raise funds in Hong Kong. These people are a delegation invited from Hong Kong.Wang Chong thought to himself that with their ostentation, they should be in first class. Zhao Xiaocheng seemed to see Wang Chong's doubts, and casually explained that the itinerary was scheduled in a hurry, and the first class had already been sold out.

Zhao Xiaocheng handed over the business card to Wang Chong, and said, "Tianma Group is going to apply for a loan from your bank recently, and I'm afraid I'll trouble you bro. When you're free, bro, I'll treat you to Xinghua Tiandi!"

Wang Chong said with a smile, "I'm afraid Mr. Zhao worshiped the wrong temple. For this kind of corporate business, you have to hire Mr. Kang from our corporate department. Besides, our bank practitioners are prohibited from entering or leaving such places." Zhao Xiaocheng said It's my own money, not public money to eat and drink, so what are you afraid of?

Wang Chong could only smile. As the manager of the business department, he never accepts dinner invitations from customers. When encountering unavoidable meals, he usually pays the bill in advance by himself. He is determined to make a name for himself in this industry. People who have always believed that "a gentleman loves money and obtains it in a proper way", and he is very cautious in this regard.

The two chatted for a while, and Wang Chong's face was very embarrassed. After Zhao Xiaocheng learned that he was airsick, he stopped bothering him and went to chat with the people from the inspection team.

Wang Chong turned on the music, closed his eyes, and played HedyWest's "500me" in a loop. The soothing music made him feel less bored, but it only aroused his homesickness again.His hometown is a small mountain village in Hanjiang Province. When he was a child, his family was poor. When he was in junior high school, there was no electricity in the village. Fortunately, he fought hard. He was always a top student when he was studying. He was admitted to Donghua University with excellent results in the college entrance examination. HKU scholarship, after finishing his master's degree in finance in Hong Kong, he returned to Donghua City and entered Donghua Bank.

At that time, Donghua Bank had not been restructured, and it was still an urban credit union. Eight years later, he had established a foothold in Donghua City. Now, at the age of 32, he has become the general manager of the small and micro business department of the head office.In the past eight years, I spent less than 20 days at home with my parents every year. I made up my mind that no matter what, I will take a few more days off this year and take my parents to Hainan.

While thinking about it, Wang Chong fell asleep until the plane started to vibrate violently, and the voice of the flight attendant came from next to his ears, "Everyone, the plane has arrived in Donghua City. There is thunder and lightning in Donghua today. Due to the weather, the plane cannot land. We will land in Linhu City, and we apologize for the inconvenience caused to everyone!"

Wang Chong was in a hurry. It was already three o'clock in the afternoon, and it would take at least an hour's drive from Linhu to Donghua. After he landed, he would notify Zhao Ying and the others to rush over. It would be at least five o'clock, and left for Wang Chong. time is limited.The plane turned around and flew towards Linhu Airport. Linhu was also covered with dark clouds. Fortunately, there was no thunderstorm. After 10 minutes, the plane landed smoothly at Linhu Airport.

After turning it on, Wang Chong received a text message saying that Zhao Ying had already booked a car for him from Donghua to Linhu.Zhao Xiaocheng got off the plane together. Their group has a branch in Linhu, and they asked the other party to send a car as soon as they got out of the car. Wang Chong declined the suggestion of their colleagues, jumped into the car in a hurry, and flew towards Donghua City at the fastest speed.

Wang Chong began to read the messages sent by Liu Mingliang and Ma Xiaoxiao.This company has only been established for three or four years. It mainly does rural photovoltaic power generation projects. It is reasonable to say that there are national policies to support this kind of project. If this kind of project is promoted, the profit is not bad. However, Zhou Yuntao is not such a responsible person. He borrows money to buy luxury cars. Last year, I took care of my mistress, and I paid more than 200 million for the breakup fee alone.

There are a lot of materials, and they are rather cumbersome. There are reports about Zhou Yuntao found on the Internet, lawsuit information found on the legal document website, the license plate under his name, mobile phone number, bank statement, etc.Wang Chong was born as an account manager, and he had an innate keen sense of smell for these intricate information. Suddenly, his eyes lit up, and he found a clue.

Wang Chong took out his cell phone and made a few calls.

Entering Donghua City, there was a strong wind, dark clouds rolled in the sky, lightning and thunder, like a roaring beast, the sound was irritating, but the rain never fell.

At [-]:[-], Wang Chong let the car drive directly to the Venture Building, where Zhao Ying, Liu Mingliang and Zhang Feifan from Chengdong Sub-branch were already waiting there.Unsurprisingly, Zhao Ying had already brought Wang Chong's uniform over. Wang Chong and Zhang Feifan learned about the collection situation in the morning, and Zhang Feifan stammered for a long time.

The four communicated for a while, then took the elevator straight to the No. 17th floor of the Venture Building, Donghua Xinfu New Energy Co., Ltd.

The front desk manager stopped him and asked, "Who are you looking for?"

Wang Chong said, "I'm looking for Chairman Zhou Yuntao."

The manager said, "We Mr. Zhou is not in the company, why don't you come back another day?"

Wang Chong asked, "Is that yellow Camaro downstairs with the tail number 888 your President Zhou's car?"

The manager faltered, Wang Chong led the people directly to the chairman's office, and opened the door. Zhou Yuntao and three friends were having a cup of tea when they heard some movement, and they all looked at the door.

The front desk said with an aggrieved face, "Mr. Zhou, these people came to look for you, and I can't stop them."

Zhou Yuntao didn't know Wang Chong, but he knew Zhang Feifan. When he saw people from Donghua Bank approaching him again, his face was very unhappy, "Why are you here again? I'm discussing important matters with some leaders in the city. , What's the matter, let's talk about it tomorrow!"

Wang Chong stepped forward, came in front of Zhou Yuntao, and said to several guests, "Hi, my name is Wang Chong, an employee of Donghua Bank. I am sorry to inform you that today's tea party is over, and creditors are given priority!"

Snapped!

Zhou Yuntao was so angry that he poured a glass of water on Wang Chong's face.

Note: The loan form is divided into five levels according to the overdue time and asset quality: normal, special mention, substandard, suspicious, and loss.In addition, bank KPI indicators are relatively complicated, especially when it comes to indicators such as liquidity, core capital adequacy ratio, and loan provision, which are complicated to explain, so I simplified them in the book.