money is not guilty

Chapter 11

Wang Chong chatted with a few more people before leaving.

Zhang Feifan benefited a lot from this negotiation, but at the same time, he suffered a lot.

This is the first business he officially sponsored. I thought that after staying in Donghua Bank for three months, I had already learned everything from the product to the loan process. At this point, I couldn't help but sigh in my heart, life is full of traps.

Wang Chong didn't take Zhang Feifan's mood into consideration, and continued to order, "Don't notify the customer, come back to do an on-site investigation in the afternoon, and then go to several furniture cities where they signed the contract to see if their stores are operating normally. Also, check Take a look at the counterparties in the other party's one-year history to see if there is any information about the lawsuit."

In the bank statement information in the loan application materials, Wang Chong found that a lot of the New Hope Furniture Factory's turnover directly flowed to his personal account. He suspected that this company had a close relationship with private lending capital.Today is the Internet age, and many companies and personal information have been made public, so Zhang Feifan was asked to investigate whether these individuals in the legal document network are related to small loan companies. This is also a common technical method for identifying risky customers.

In the afternoon, Zhang Feifan opened the door and came in, "Director Wang, I went to New Hope again, and the factory was shut down, and I consulted several furniture stores, and their stores have already withdrawn. It seems that this factory There is really a problem."

Wang Chong returned the loan information to Zhang Feifan, and after a busy moment, he looked at the time. At [-]:[-], he suddenly remembered that there was a departmental meeting today. When he arrived at the meeting room, everyone except Li Qiaowei was present. Zhao Dagang He looked at Wang Chong with interest.

Wang Chong said, "I'm sorry, I'm late. There is no excuse. According to the rules, I will do [-] push-ups." Without further ado, he lay down on the ground and seriously did [-] push-ups in front of everyone. Put away the contempt.

Just finished, Li Qiaowei came in and apologized again and again, "Sorry, I'm late."

Wang Chong stood up and said, "Li Qiaowei, do you know that according to our department's system, one minute late to do five squats?"

Li Qiaowei felt a little unreasonable, and argued, "Director Wang, I'm going to have a check-up today, and there was a traffic jam on the way back."

Wang Chong sullenly said, "That's not a reason."

Seeing that Wang Chong was going to punish Li Qiaowei, Sun Caixia even offered to help, "Director Wang, Qiaowei didn't do it on purpose, and besides, she is pregnant with a child, can you accommodate me?" The rest of the people were also helping Li Qiaowei. Speaking, only Zhao Dagang, with an expression of nothing to do with himself.

With firm eyes, Wang Chong shook his head, "A system is a system."

Li Qiaowei suddenly felt aggrieved. She was five or six months pregnant and worked hard with a big belly. Her husband was unbelievable and his income was meager. In order to keep this job, she didn't dare to refute Wang Chong. For a moment, tears rolled in her eyes .

Qian Kun also said, "We are talking about the system, but we have to talk about personal feelings, right? Qiaowei is so desperate, everyone can see it, you, Wang Chong, can't take a pregnant woman to establish authority, can you?" He is old and has a high grade, so he is not polite to Wang Chong.

"Sorry, this is Donghua Bank, not a leisure center, let alone a nursing home!"

"So, you want to insist on punishing Li Qiaowei?"

Wang Chong said, "I just let those who make mistakes take responsibility."

Everyone was still talking, Li Qiaowei wiped away her tears and said, "Director Wang, I violated the discipline, and I accept the punishment." Saying that, she was about to do squats.

At this time, Zhang Feifan stood up and stopped Li Qiaowei, "Director Wang, can I do it for her?"

Wang Chong looked at him, feeling a little relieved in his heart, but he didn't nod or refuse.

Qian Kun also stood up and said, "I will do it for her too!"

Sun Caixia said, "I do too!"

Seeing this, Zhao Dagang could only say, "I will also participate."

The four of them kept silent and completed thirty push-ups and ten squats together. Only then did Wang Chong say to Li Qiaowei, "Sit down, let's start the meeting."

He said to everyone, "This is the spirit that a team should have! In the past few days, everyone is busy making loans during the day and working overtime at night to make reports. It is very hard, I can understand, but our bank is a financial service industry. The relatively relaxed environment of technological innovation companies such as Google and Google is different. The reason why I insist on the system is not to target anyone, but to convey a message to everyone. It is an opportunity for the six of us to work together in the second credit department. It is a kind of fate. When encountering problems, we should negotiate together and solve them together, instead of just sitting on the sidelines and taking care of each other. The same is true for me, Wang Chong. Since my superiors have arranged me here, I have the responsibility to lead everyone to do a good job together. our business."

After some words, everyone had mixed feelings in their hearts: This Wang Chong is different from other leaders before.

The meeting continued. All the departments had just finished reporting their recent business situation when there was a sudden bang, and the door of the meeting room was knocked open. Li Qingquan walked in angrily, "Wang Chong, you are responsible for the business of New Hope Furniture Factory." Why was it rejected?"

Wang Chong didn't raise his head, and continued, "Everyone is well prepared. After observing during this period of time, I would like to talk about a few problems found in everyone's investigation report. There are three main points..."

Li Qingquan shouted, "Wang Chong!"

Wang Chong raised his head and saw that Li Qingquan's eyes were full of anger. He opened the thermos cup in front of him and took a sip of water. He asked leisurely, "When will it be your turn for the director of the first department to point fingers at us?"

Li Qingquan was taken aback when he heard the words, but was stopped by Wang Chong's words.However, he is more concerned about the loan at the moment, so he said, "This company is a star company in the east of the city. It has land and real estate as collateral, and the annual patent fee is more than a few million. Such a good company, You said that if you don’t get a loan, you won’t get a loan, isn’t there something tricky about it?”

Wang Chong said indifferently, "I don't need to explain to you!"

Li Qingquan was completely irritated by Wang Chong's indifferent attitude, "Wang Chong, you wait!" After saying that, he walked out angrily, and slammed the door of the conference room.Wang Chong smiled, "Let's continue the meeting..."

After the meeting was over, everyone returned to the second credit department. Li Qingquan walked in again and said to everyone, "Go out for a while, I have something important to talk to you, Director Wang." Wang Chong said that it was nothing shameful. Here it is.Li Qingquan insisted repeatedly that Zhang Feifan and others had to go out.

Only then did Li Qingquan change his tone, took out a Zhonghua, and handed Wang Chong a cigarette.Wang Chong said, "I'm not used to smoking Zhonghua. If you have something to say, just tell me. I'm a bit busy here." Then Li Qingquan said, "Wang Chong, Director Wang, Brother Wang..."

"Hey, I'm not your brother. I'm just a younger brother, studying in Shenzhen."

Li Qingquan said with a smile, "What's wrong with Director Wang, just now you were in a meeting, I went in and said something that shouldn't be said, it's my fault that you can't get off the stage in front of your subordinates, it's my fault, I'm here to make up for you Don't be angry if your adult doesn't remember the villain's mistakes."

"If you came here for this matter, please go back. I didn't take your words to heart at all."

Li Qingquan gave a thumbs up and said, "Director Wang is indeed very generous. I am here today to discuss with you about New Hope's loan. The boss of this company is a friend of mine and has a good relationship with the district government. Now that there is a little problem with the flow of funds, we can't kill it with a stick, right, and you don't want to see such a high-quality company go bankrupt because of our borrowing, do you?"

Wang Chong sorted out the information in his hand, "If this is a normal operating company, I will not veto this business only because of cash flow problems. I have read their loan application materials, and I have After an on-site investigation, I found that the company had serious problems, and even faced the risk of bankruptcy. I went to the property management to inquire, and their annual electricity bill was only 2000 yuan. They have already closed, and several stores in the furniture city have also withdrawn Well, it’s just such a company, if we go to lend it a loan, wouldn’t the money invested be a waste of money? Their information is too fake, the fake is flawless, if it is really released, that Zhang Zong has committed the crime of defrauding the bank loan Yes, this is going to jail."

Li Qingquan said that you are really astute, but we are all brothers, so if you can help me, please do me a favor.It's not your money anyway.

Wang Chong: "Sorry, I can't approve this business."

Li Qingquan was completely annoyed, and turned his face like a book, "Wang Chong, if you persuade me with nice words, it's for your face. Don't toast or eat fine wine!"

"I don't eat toasts, and I don't eat fine wines."

"You...huh!" Li Qingquan slammed the door and left, seeing everyone lying at the door to eavesdrop, cursed, "What are you looking at, don't you need to work?"

The more Li Qingquan thought about it, the more angry he became. To use a more appropriate word, it should be pain in the flesh.

The bridging funds of New Hope’s loan were from a small loan company. Li Qingquan thought it would be profitable, so he gave him a guarantee. Wang Chong turned his face and ruthlessly rejected this business as a guarantor. He is definitely going to be compensated. He has seen these people's unscrupulous methods when they ask for money, so he made a call.

"Third brother, Mr. Zhang has encountered some problems with that loan. It is... yes... It was safe. Recently, a new director came in, and the kid caught a loophole and returned it."

There was the sound of throwing a glass on the phone, and Li Qingquan clearly felt the anger on the other side. After a while, the other side asked, "Is it possible to get him into the gang?"

Li Qingquan wiped the sweat from his forehead, "This kid was notoriously thorny when he was at the head office. I tried to find a way to loan him the money, but it didn’t work, so I took over his factory, and he still has a Mercedes-Benz, I suggest sending some brothers to drive the car away.”

"You don't need to teach me, you should quickly find a way to loan me the money, by the way, what's the name of the director?"

"Wang Chong, it turned out to be the general manager of the small and micro department of the head office. He made a mistake and was demoted to our Chengdong branch. It's all because of that kid, who blocked our way of making money."

Throughout the morning, Li Qingquan was like an ant on a hot pot, neither sitting nor standing. After thinking about it, he picked up his notebook and walked into Gu Tiande's office.Gu Tiande was hiding in his office looking at stocks. Today, several stocks he held were at their limit, and they were on fire. Li Qingquan came in without knocking, with a displeased look on his face, "Don't you know knocking?"

Li Qingquan repeatedly said sorry, went out, knocked on the door again, came in after getting permission, and closed the door again.

"What's up?"

Li Qingquan's opening remarks were a bit straightforward, "Wang Chong is too outrageous!"

Gu Tiande closed the Flush software and looked at him with interest.

Li Qingquan was indignant, "We have a very good old customer in the second department. He has borrowed from our Chengdong branch for three or four years and has never been overdue. Wang Chong went to conduct an on-site investigation yesterday and asked him for a kickback of [-] yuan. If he didn't give it to him, he would kill the loan after he came back. What kind of thing is this Wang Chong? He uses his power to seek his own personal gain. President Gu, if he wants to do this, the reputation of our Chengdong branch will be destroyed. Sooner or later, it will be destroyed in Wang Chong's hands."

Gu Tiande smiled, "What are you going to do with these small and micro businesses, don't you have something to do in it?"

"No way, I did this purely out of justice! Although my ability, Li Qingquan, is limited, I will never do things that violate the red line. The reason why I tell you is that I don't want Wang Chong to pull our branch into A situation beyond redemption.”

Gu Tiande showed a meaningful smile, "Okay, they are all foxes in the mountains, what are you talking about with me?" He stood up, walked around the office for a while, thought for a while, and said, "This Wang Chong, It is indeed a trouble to stay in the Chengdong branch!"

"That's right, that's right! It's enough to fire him ten times for talking back to you. President Gu, do you know what people in the industry said about you during the last quarrel?"

Gu Tiande asked, "What did you say?"

"Everyone is saying that Wang Chong contradicted you, and you have nothing to do with him. President Gu's prestige has been ruined. If you don't deal with him like this, everyone will follow suit in the future."

Gu Tiande showed sullen expression, "They really said that?"

Li Qingquan continued to tell lies, "They also said that the head office sent Wang Chong here to replace you, to take over the position of president!"

Gu Tiande was so angry that he slapped the table, and vented his anger of losing money in the stock market, "It's against him!"

Li Qingquan quickly agreed, "Wang Chong staying in our Chengdong branch is a disaster after all, why don't we find a way to run him away?"

"any idea?"

Only then did Li Qingquan say, "President Gu, do you still remember the business from the Divine Bird Breeding Society not long ago?"

"Hasn't the head office been killed because of too many lawsuits involving legal persons?"

"The head office is dead, but we can operate in another way!"

Gu Tiande became interested, "Let's hear it."

Li Qingquan: "Zhao Songyuan of the Divine Bird Breeding Society recently acquired a new company in the name of his nephew. He transferred the dozen or so farmers under the Divine Bird Breeding Society to this new company, and used this company to develop business, avoiding the issue of litigation.”

"The 2000 million loan has already exceeded the authority of the small and micro business of the sub-branch, and Wang Chong can't do it."

"We can change our way of thinking. If we split this loan into ten small and micro batches of 200 million, let the farmers under the farming cooperative take loans and use the new company as a guarantee. In this way, we can avoid the authorization of the head office. , and can trap Wang Chong in."

Gu Tiande hesitated, "But Zhao Songyuan's company is obviously no longer good, and if the money is released, it must be another bad deal."

Li Qingquan persuaded, "I don't want my children to be caught by wolves, and my daughter-in-law can't be caught by gangsters. If there is a problem, it is Wang Chong's responsibility, and it has nothing to do with you. Zhao Songyuan is in a hurry to ask for money. We can also take the opportunity to raise some other conditions."

Gu Tiande was a little moved, "What conditions?"

"Didn't you have a [-] million bet with Wang Chong two days ago? I think Wang Chong's actions are not small. If you really can't finish it, I mean, just in case, let Zhao Songyuan bleed a little." , Find a way to buy some deposits, no matter what you say, you can't lose to that idiot Wang Chong."

In the past, in order to complete the assessment tasks, the branches bought some time deposits when the assessment time was approaching, and stored them for three to five days. It was purely to make the report look better, and it did not generate much benefit.Therefore, some businesses of buying and selling deposits have also been born in the market.However, the China Banking Regulatory Commission issued a document recently that banks are strictly prohibited from using time points as assessment indicators, but this requirement is like not allowing women to use beauty cameras. In actual implementation, some banks still rush to time point tasks for data.

Gu Tiande finally made up his mind, "This matter is settled like this. Remember, keep it secret and never leak it out."

However, Li Qingquan was thinking in his heart that Zhao Songyuan was at the end of his rope for funding. Anyway, after he loaned out the money, he would definitely not be able to repay it. At that time, he should be blackmailed, and by the way, solve the financial loophole of New Hope Furniture. .

As for the loss, it is naturally Donghua Bank's. The third brother's money must not be lost. That guy can do murder and arson for the sake of money. He doesn't want to be targeted by that guy.

"President Gu, don't worry, God knows this matter, you know me. Not only that, but I will ask Zhao Songyuan to take out a sum of money to make sense of it."