money is not guilty

Chapter 16 I Found a Problem

Zhang Feifei has a shallow drinking capacity, little experience in the wine field, and he doesn't know how to block wine, so how can he be the opponent of these wine field veterans.Under everyone's persuasion, in less than an hour, after three cups of Moutai, he was drunk and staggered, but Zhao Dagang had already gotten used to it, chatting and laughing with everyone, and had a good meal.

"Mr. Luo, I... Which companies do we have to investigate this afternoon?" Zhang Feifei couldn't speak clearly.Luo Dacheng chuckled, "Manager Zhang worked too hard today, go for a pedicure in the afternoon to relax, and wait until he sobers up."

Zhang Feifan said no, and insisted on doing an on-site investigation.Coming out of Yunhaitian, when he saw the wind, he suddenly became dizzy, dizzy, and lay down in front of the flower pond and vomited wildly.Luo Dacheng and Zhao Dagang hooked up shoulder to shoulder, and the three of them went to Liangzi Pedicure together.

When Zhang Feifei woke up from the pedicure shop, it was already 05:30 in the afternoon. Feeling bad, he came to the hall with his head covered.

Luo Dacheng and Zhao Dagang were drinking Kung Fu tea. When they saw Zhang Feifan coming, they said with a smile, "Manager Zhang is really good at drinking. He singled out the four of us at noon, which made us veterans of wine shops feel ashamed. He is really talented from generation to generation. People come out, the waves behind the Yangtze River push the waves ahead!" Then, he gave up a seat and made a bowl of tea for Zhang Feifan.

Zhang Feifei was thirsty, so he picked it up and drank it in one gulp, "It's going to be a bad thing, these loan customers haven't completed the on-site investigation and took pictures, and President Gu still has a weekend meeting!"

Luo Dacheng smiled and said, "It's okay, we've all come to our Qianniu Town, how can we let Manager Zhang return empty-handed." He said, he took out a USB flash drive from his bag, handed it to Zhang Feifan, and said, "I will We have arranged for people from the company to go to the farmer's house to take pictures, and number them according to your requirements, and you can just use them."

Zhang Feifei was hesitating, when Wang Chong called, "How is it? How is the investigation going on?"

Zhang Feifei hesitated and said, "It's still going on, I'm afraid it will be too late to go back. But master, don't worry, no matter what, I will complete all the on-site investigations today."

"Do you need me to wait for you?"

Zhang Feifei hurriedly said, "No need, this is the first loan I have completed independently after joining the company. I will definitely complete the task with quality and quantity!"

"Okay, remember, don't eat the customer's meal. If you have to eat, remember to pay the bill and come back to me for reimbursement."

It cost 6000 yuan for a meal at noon, which was almost equivalent to Zhang Feifan's salary for a month. He didn't dare to tell the truth, so he quickly agreed.Just after hanging up the phone, Gu Tiande called again, "Xiao Zhang, I heard that you had lunch with a client at noon?"

Zhang Feifei glanced at Zhao Dagang, could it be that Zhao Dagang complained?But it shouldn't be, he didn't drink less during this meal, someone else should have tipped off Gu Tiande, Zhang Feifei could only say, "President Gu, just eat something at noon."

Gu Tiande exhorted, "This client is a key enterprise in our district, and the leaders in the district have taken special care of it. You must do your best when you do the investigation. If there are some flaws, help as much as you can. Remember, you can't be wrong. The customer wants to get a card! Have you finished the on-site investigation?"

"The photos were not taken completely, and the customer helped me to take part of them."

Gu Tiande said, "Then keep it simple as soon as possible, you prepare the PPT for the loan review meeting, and strive for the meeting tomorrow afternoon!"

"President Gu, are you in a hurry? I'm afraid I'm not fully prepared."

Gu Tiande said displeased, "When young people encounter difficulties, they should find a way to solve them instead of just shrinking back. Can you do it?"

Zhang Feihan came down, "Yes, I must report it on time!"

A smile appeared on the corner of Luo Dacheng's mouth, and he said to Zhang Feifei, "Manager Zhang, it's almost six o'clock, let's go to dinner first! This loan matter, I have to ask Manager Zhang for help!" Zhang Feifei said I I don't dare to eat it, and I have to go back to work overtime to get materials. Let's talk about the meal later.

He took the USB flash drive from Luo Dacheng's hand, and returned to the bank with Zhao Dagang to prepare supplementary materials and a PPT for tomorrow's loan review meeting.When he arrived at the gate, Zhao Dagang parked the car next to his own car, opened the trunk, and found two boxes of Feitian Moutai inside. He moved a box and put it in his car, and said to Zhang Feifan, "This is Luo Dacheng's handwriting. One shot is two boxes of Moutai, more than 2 yuan!"

Zhang Feifan asked, "How can we ask for things from customers?"

Zhao Dagang said, "In our line of business, you really expect to live on the performance of the loan. Why don't you drink northwest wind every day?"

Zhang Feifan: "Isn't this considered bribery?"

Zhao Dagang chuckled, "How can this be regarded as bribery? We help customers take out loans and give them some discounts on interest, but they don't offer some benefits to show it? They save money, and we still make money, and customers are willing to do this, too. Accept it, this is the rule."

Zhang Feifei was determined not to.

Zhao Dagang was a little unhappy, "If you don't accept it, then you'll even spit it back to Luo Dacheng with the lunch you ate. Don't pretend to be so lofty, you think everyone is like Wang Chong, and a little bit of sophistication is not enough." It doesn’t work, no wonder he provoked someone at the head office and was demoted to our Chengdong branch.”

"This one……"

"Come on, do you think that Li Qingquan and Gu Tiande in the line are clean? If the loan is really let go, the ones who can really get the benefits are on the top. Even if something happens, there are people on the top who are responsible for the thunder, and the leaders eat meat. Let's drink soup, this is a small favor, let's accept it, so as not to be said to be unreasonable. By the way, I know someone who recycles famous cigarettes and wine. If you want to make a move, I will send you his phone number later." Said With that, Zhao Dagang closed the car door, started the car, and drove away.

This is the first time that Zhang Feifei received a gift from a client. The last time the boss gave a shopping card at New Hope Chapter, Wang Chong firmly rejected it. He also warned himself not to have improper transactions with clients, but when As soon as he sat down at the wine table, the whole thing had changed.

Throughout the night, Zhang Feifei worked overtime to sort out the loan information, and printed out the photos taken by Luo Dacheng and himself. He always felt a little uncomfortable. When he got home, he carefully moved the box of Moutai into his room, first in the kitchen, I took it out and put it in the storage room, and finally hid it under the bed, as if I had done something wrong, for fear of being discovered by others.

Lying on the bed, Zhang Feifei tossed and turned and couldn't fall asleep. He had always had a good sleep quality, but he suffered from insomnia.Accepting a gift from a client made him feel uneasy, and he kept persuading himself that this was the first and only time, and it should not be an example.

The Loan Approval Committee, the full name of the Credit Approval Committee, is mainly responsible for on- and off-balance sheet credit extension business, fund lending business, agency credit extension business, etc. It is the supervision and guidance institution for the quality of the bank's operating assets.When Donghua Bank was first established, all loans were reviewed and approved at the head office. After Lin Tianhua came to power, he simplified the credit granting process, delegated credit authority, and implemented a three-level loan review committee system with hierarchical authorization from the head office, business departments, and branches.

Each sub-branch is granted different approval authorities based on asset quality and risk management and control capabilities. For example, the Chengdong sub-branch where Wang Chong is located, due to its low ranking and weak profitability, has an independent approval authority of only 200 million yuan. To avoid reporting to the head office, the 2000 million loan business that was originally applied for by the Tianqin Breeding Co., Ltd. was split into more than a dozen farmers, each with less than 200 million.

The loan review committee of the Chengdong Sub-branch is composed of five members, three of whom are employees of the risk management department, and the other two are compliance managers and financial managers. Gu Tiande is the president and is not on the list of the loan review committee. There will be a veto to pass business.

The next morning, Zhang Feifan submitted the loan application materials to Wang Chong's signature, and then reported them to the risk management department of the sub-branch.The boss of the air management department is Gu Tiande's confidant, and he quickly passed the preliminary review and notified Zhang Feifei to go to the loan review meeting at [-] p.m.

Zhang Feifei came to the conference room early to prepare. This is the first business he has handled as the sponsoring account manager since he joined the company. Inevitably a little nervous.

Seeing Zhang Feifei taking a deep breath, Wang Chong smiled and said, "It's the first time, it's normal to be nervous, and you'll get used to it slowly."

Zhang Feifei said that he had no confidence in his heart, and Wang Chong patted him on the shoulder, "Our Donghua Bank loan review meeting has always had a tradition. The account manager who attends the meeting for the first time will try every means to make things difficult for you, especially asking some weird questions. Questions that make you even doubt life, often some novices will be overwhelmed by their questions, and it is not uncommon for them to cry on the spot."

"Really?"

"Just follow the prepared PPT statement. This business is handled by you, and you understand the situation. Just answer normally. If you can't answer, I will help you supplement it."

According to the rules of procedure of the loan review meeting, Wang Chong should avoid this business, but in practice, in order to ensure that the loan has passed the review, the person in charge of the business department will usually attend the meeting as a nonvoting delegate.All the committee members were seated, and the strange thing was that Li Qingquan from the Credit Division [-] also entered the meeting room.

Wang Chong was a little displeased, "It's not your department's business, why are you here?"

Li Qingquan said, "I just have nothing to do in the afternoon, so I came here to study business with Director Wang, why, aren't you welcome?"

The meeting went surprisingly smoothly. After Zhang Feifei finished his statement, the director of the loan review committee and several other members raised a few innocuous questions, and a consensus was quickly reached.

While listening to Zhang Feifan's statement and defense, Wang Chong looked through the loan information. When it came to profit calculation, he suddenly discovered a problem, that is, the cost price of broiler chicken per catty was 3.7 yuan, and the market price was about 4 yuan, while the market price was about 4.2 yuan. The purchase price given by the breeding company is [-] yuan. From the perspective of the farmers, their profits can definitely cover the loan, but from the perspective of the guarantee company’s bird breeding, this business model is definitely losing money. buy and sell.

"This model is a bit weird." Wang Chong was suspicious. He calculated that if this continues, the Tianqin Farming Co. will lose more than 300 million yuan a year. When he looked at the financial report of the Tianqin Breeding Co., he found that there was a sum in the table. The non-operating income is 500 million yuan. It is this income that makes the profit of the entire breeding society a positive number. This is the part he ignored before.

Since Gu Tiande had already said hello to this business, the director of the loan review committee didn't want to waste too much time, so he said, "We have already understood the general situation. If the committee members have no other questions, let's vote next."

"Wait!" Wang Chong stood up and said, "I found a problem, please Zhang Feifan to answer it."

As soon as these words came out, everyone looked at Wang Chong.