money is not guilty

Chapter 3

It was already seven o'clock in the evening when Wang Chong returned to Yujing Dongfang's home.He took a shower, changed into clean clothes, ate something casually, and leaned on the sofa to watch the news broadcast.

Suddenly remembered that tomorrow is the birthday of the instructor Luo Yusen, and he came back in a hurry today, and was busy fighting wits with Zhou Yuntao, and forgot to confess to the instructor, so he quickly called and explained to the instructor, and then briefly explained what happened today. Chatted with him a few words, and then the two chatted about the recent financial environment.

Luo Yusen is a well-known economist in China and is said to be a member of the National Think Tank Group. He was also consulted when the last round of stimulus policies was introduced.However, Luo Yunsen does not agree with this method of issuing additional currency to relieve economic pressure.

He believes that although a strong stimulus policy can help the country overcome difficulties in the short term, the profit-seeking nature of capital causes funds to flow to the capital market and industries that are prone to capital bubbles, which in turn leads to the activation of private capital and the surge in real estate prices , although the GDP has increased year by year, the real economy has almost stagnated.

Over the past few years, Wang Chong has a deep understanding of these words.

Almost all large-scale industries in Donghua City, whether it is the Tianma Group, which started with textiles and smelting, or the Hualong Group, which focuses on the tire industry, or even the Wellcome Catering Chain, which focuses on the catering industry, have devoted themselves to the real estate industry over the years without hesitation. In the middle, and earn a lot of money.Take Donghua City where he lives as an example. When he first started working, the housing price was only about 4000 yuan per square meter. Now eight years have passed, and the house he bought last year in Yujing Dongfang has risen to [-] yuan.

The private capital market is also extremely active, and the cost of short-term bridge funds has reached two to three percent of the interest.A loan turnover customer he met had a daily interest of 100 yuan on 5000 million bridging funds.

The bank assessment one-sidedly emphasizes the scale of credit extension. Commercial banks are almost desperately begging for corporate loans, and even over-deliver, and the bill market has almost fallen into a crazy mode. A boss he knows who collects bills is as high as three times a day. 80 million, after four to five days, you can idle once and get 100BP of income. (Note: 1BP is [-]%.)

Wang Chong is also very worried about this. However, among the more than 60 KPI indicators established by Donghua Bank, more than 40 are related to loan issuance. However, Wang Chong has noticed that the overdue loans in the bank have gradually increased recently. .

Luo Yusen is a visiting professor at Donghua University, and he is more concerned about the financial market in Donghua City.The two met at a financial forum back then, and later Wang Chong followed him to Hong Kong to study for graduate studies. Luo Yusen has always been more considerate of Wang Chong.

The two chatted for nearly an hour before Wang Chong remembered to wish the teacher a happy birthday. Luo Yunsen said, "It's okay, I may go to Donghua City in two months. I have a few lectures and forums to attend, and then we will have a good chat. chat."

Wang Chong said, "That's great. I've been in Donghua recently, and I'm looking forward to your visit anytime!"

After hanging up the phone, Wang Chong realized that there were several missed calls from Ma Xiaoxiao, so he hurried back.Ma Xiaoxiao teased, "President Wang is a busy person, and he has been on the phone for so long, which beautiful woman are you talking on the phone with?"

Wang Chong said he was chatting with his mentor, but Ma Xiaoxiao expressed his disbelief.Wang Chong didn't want to get entangled with her, so he said, "You have helped me a lot today. My plans for the National Day were all disrupted. Seeing that you are free that day, I will treat you to dinner."

Ma Xiaoxiao said that I have worked so hard for you, I can't just eat, I also have to go shopping and watch movies.Wang Chong had no choice but to agree, and Ma Xiaoxiao smiled, "I'll just say it casually. Our industry is exhausted all day long, and we don't even have time to go to the bathroom. How can we have time? By the way, remember what I said However, an old classmate was transferred to work in Donghua City. I will contact her to see Wednesday and Thursday and give her a chance. "

Wang Chong continued to ask who it was, but Ma Xiaoxiao didn't say anything.

After a while, Ma Xiaoxiao sent a text message, "At noon on Thursday, I have reserved a private room at Yunhaitian Restaurant."

At six o'clock the next day, Wang Chong got up and went for a morning jog in the park outside the community, ten kilometers a day, about four to five ten minutes. This is a habit he has maintained for many years.

When I was young, I lived in a mountain village, more than ten kilometers away from the school. In order to save money, Wang Chong ran to and from school every day. His family was poor, and in order to prevent his shoes from being worn out, he ran barefoot for a while.Later, when he was in college, he won the first place in the long-distance running competition organized by the school every year.When he was studying, he especially liked Haruki Murakami, and even dreamed of being a writer, running, writing, and practicing calligraphy every day. However, when he volunteered for the college entrance examination, he still filled in the financial industry.

After returning home and washing up, Wang Chong received a text message from Vice President Liu Jianguo, inviting him to participate in his calligraphy exhibition at the City Federation of Literary and Art Circles Center.

Liu Jianguo is the vice president in charge of risk control and the vice chairman of the Provincial Calligraphy Association. Wang Chong had followed him for a while when he first joined the job. Chong has also been taken special care of.

Liu Jianguo is 55 years old this year. When the City Credit Cooperative was restructured into Donghua Bank four years ago, he was a popular candidate for the president. However, he was reported and missed the job of president and became the vice president in charge of risks.Since then, he has been obsessed with calligraphy and has not paid much attention to the affairs of the industry. As a result, he has become famous in the past two years.Last year, a six-foot "Duange Xing" created by him was auctioned off by a company called Hengyuan Painting and Calligraphy in Hong Kong for 50 yuan, which became a sensational event in the local literary world.

Liu Jianguo had invited Wang Chong before, but since Wang Chong had already booked a trip to Hong Kong, he declined.Now that Liu Jianguo knew that Wang Chong was coming back, he naturally invited this fellow to give him a platform.

Wang Chong thought that nothing happened anyway, so he drove there.

Wang Chong drove an old second-hand Volvo, which he bought from the auto market for 12 last year.With Wang Chong's current financial strength, it's not difficult to buy a car worth 50 million yuan. The middle-level people who are in the same position as him usually drive a BBA worth hundreds of thousands. However, Wang Chong thinks that the car is just a means of transportation. I'm not a businessman, and I don't need a car to fill up the appearance, so I don't have much pursuit of this aspect.It is worth mentioning that, except for the official car of the chairman and the president, which is the Audi A6, the cars of the other leaders are the Passat of the political version.

The Municipal Federation of Literary and Art Circles Center is a small three-story building next to the New District Gymnasium. Compared with the high-rise buildings in the New District, the City Federation of Literary and Art Circles Center looks a little shabby. The concept has always been deeply ingrained.

The Liu Jianguo Calligraphy Exhibition is in the hall on the first floor, where nearly a hundred calligraphy works are displayed.There were not many people in the hall, and most of them were middle-aged and elderly people. Wang Chong listened to their chats, which should have been organized by people from Donghua University for the Elderly, as well as some students from Donghua University, and some business owners who like to be arty.

Wang Chong found that most business owners, whether they know it or not, like to hang one or two calligraphy works in the office.Wang Chong has a lot of research on calligraphy, and sometimes chatting with those bosses, he found that their knowledge of calligraphy works only stops at the level of "I bought it with how much money, or it was sent by a good friend".

Liu Jianguo was chatting with a leader in the city, when he saw Wang Chong he said hello first and motioned Wang Chong to take a stroll first.

Wang Chong was wandering in the hall. Liu Jianguo's regular script was taken from Zhao Mengfu's calligraphy, and his running script had the meaning of Mi Fu. In recent years, he has transferred to Wei Bei. The engraving is powerful but the characters are ugly and ugly. It is very popular in the calligraphy circle of "ugliness is beauty" recently. It is said that he was selected as the work of the Provincial Calligraphy Association and wrote "ugly calligraphy".

Wang Chong also likes calligraphy, but he practiced Ou Jiucheng since he was a child, and later learned Zhang Menglong. He prefers Ou Ti and Zhang Menglong's sharp-edged brushstrokes.This is also related to Wang Chong's character. He has a straight temper and is not afraid of authority. Although he is capable and courageous in handling things, he is not smooth enough. Because of this, when other people of the same age were assigned to the branch as the president, Wang Chong has been working in the head office.

After Liu Jianguo finished his work, Wang Chong went over to congratulate him, "Teacher, you are living a more and more chic life now, and even the city leaders have come to cheer you up." Liu Jianguo said with a smile, "I am old, and I have nothing to do in my career. Pursue, and there is nothing left to write and write, and enter the retirement state in advance."

Wang Chong pointed to a pair of words hanging on the wall, eight characters written in bosom grass, "Old man standing on the ground, aiming for a thousand miles", these eight characters are majestic and majestic. "Back then, Cao Mengde used this poem to express his aspirations. It can be seen that Teacher, you are unwilling."

Liu Jianguo: "It's just moaning about nothing. Now Donghua Bank is making great strides under the leadership of President Lin. We old guys are looking forward to the spring breeze of being listed and earning some pensions. It's you, the future The future is limitless, especially what happened yesterday, President Lin praised you fiercely at the office meeting. A group of new cadres may be promoted after the end of the year and sent to the sub-branch for training, you still have a good chance."

Liu Jianguo pondered for a while, "By the way, I heard that you poured tea on the client yesterday?"

Wang Chong: "It's not like you don't know my temper. I'm straight-tempered and hold grudges. I'm not willing to suffer the slightest loss. It's just reciprocity."

Liu Jianguo said, "This is not good, just like your characters. Zhang Menglong has too many edges and corners. If you have time, visit Zhang Hei Nu (sound: He Ru, also known as Zhang Xuan's epitaph) to learn the font structure. Round inside and square, self-cultivation, this is the way of life. Our bank deals with money, look at the ancient copper coins, Brother Kong Fang, round outside and square inside, smooth outside, and adhere to principles, it is very reasonable."

Zhang Hei's female body is a bit delicate, Wang Chong doesn't like it, he still likes strong and sharp characters, just like his people, he knows that Liu Jianguo told him these things for his own good, but Wang Chong has always insisted on self-cultivation and life. Following the code of conduct of "external law and internal Confucianism", he said, "Maybe the teacher is right, but I don't like flattery, saying things against my heart, doing things against my heart, living like this is too tiring."

Liu Jianguo shook his head and sighed in his heart, "A general is not a handsome talent."

Nowadays, the situation in the industry is complicated, and the internal fighting among the top management is fierce.Li Youtian and Lin Tianhua, vice presidents, seem to be in harmony with each other. On the surface, they are harmonious, but in private they keep making small moves to undermine each other. Liu Jianguo is in charge of risk and compliance.

Since Donghua City Credit Cooperative was restructured into Donghua Bank six years ago, almost all the management of the original City Credit Cooperative has been replaced. The only person who still holds real power is Li Youtian, the vice president. Liu Jianguo and Li Youtian have always been at odds. Liu Jianguo Already feeling the decline of the strength of the Old City Trust Agency, he called Wang Chong here today, originally wanting to give Wang Chong a call, and he had to restrain his character so that he would have a chance to go further.

Wang Chong is the general manager of the small and micro business department. If he wants to go further, he has to release the branch to manage it. At that time, what he has to face is not just as simple as loan customers. It doesn't need to be taken care of in place, only with a slick heart can you handle it.

Liu Jianguo said, "You have been working in the small and micro department for more than two years. According to your qualifications, you should go down to practice. This time you have made great achievements. President Lin may talk to you after the festival. I wonder if you have any questions. Intend?"

Wang Chong: "All I can do is to do my job well, and I will follow the arrangements for the rest."

Liu Jianguo laughed, and said a witty thing, "Crying children have milk! In Donghua, you must have the ability and learn to fight for it. Let me tell you a big adjustment in the industry after the next year. In preparation for the IPO, the head of the new district branch will be transferred to the head office. You can try to mention it to President Lin and work in the new district branch. You don’t have to worry about me here. Li Youtian is Laochengxin and your direct leader , should also support you, that is, the human resources director, she is an outsider, and she is very repulsive to our old city letter line, and may have to do some work."

Today, Donghua Bank is divided into two factions, the Old City Xinshe faction and the New Donghua faction.Like Wang Chong, although he didn't participate in factional struggles, he was automatically listed as a faction of the Old City Credit Agency because he joined the city credit agency.

However, he was not interested in this so-called factional struggle, and felt that it was enough to do his job well.So he said, "Now we are all employees of Donghua Bank. There is no distinction between Laochengxin and New Donghua. As long as we work hard, we will always have a chance to stand out."

Liu Jianguo said, "I'm afraid that others will think otherwise."