money is not guilty

Chapter 40

Wang Chong said to Zhang Feifei, "Didn't I tell you, sit quietly and think about your own mistakes, gossip and don't talk about others, do your own thing well, don't keep thinking about gossip and lace, it's not good for your career .”

Zhang Feifei retorted: "Master, don't you often teach us that as a banker, no matter looking at a problem or a person, we must obtain sufficient information from multiple angles and channels, analyze and use it, and then make a decision. Is it the fairest judgment? You also said that you should see more, listen more, and think more about everything..."

Wang Chong interrupted: "I didn't ask you to say more. Okay, since you are so free, here is a notice from the Donghua Banking Regulatory Bureau, which is about further deepening the rectification of the chaos in the banking market. "Three, thirty, forty" documents, and make a work plan for our credit department."

Hearing this, Zhang Feifei wanted to slap himself in the face. He was very serious in his work, but he hated dealing with official documents and writing reports the most. He raised his hand and said, "Master, I was wrong."

"What's wrong with you? After following me for more than a month, you have gained a lot of skills, and you have learned to use my words to refute me."

"Could this be the legendary repayment of the other's way?"

Wang Chong said unhappily, "Have you read too many martial arts novels?" He took out an A4 paper from his desk, which listed some work priorities and main measures for rectifying market chaos, "Look, I'll give you the outline Once it’s done, study it carefully and give me the first draft tomorrow morning.”

Zhang Feifei said: "It's only been a long time? Master, I recently had a girlfriend, and I have a date tonight, can you allow two days?"

"Oh? Are you in a relationship?"

Zhang Feifei said hey, "Didn't you say that you often think about your own mistakes when you sit in meditation, and don't talk about people's wrongs when you gossip? You have also changed your gossip?"

Wang Chong didn't expect this kid to learn and sell, waiting for him here, and pretending to fight: "Get out, and give it to me the morning after tomorrow."

Zhang Feifei reluctantly took it, and walked out in despair.

During this period of time, Zhang Feifan studied business with him and made great progress. However, as a grassroots employee, it is not enough to just do business. What is more important is the grasp of the entire industry and understanding of regulatory policies.Wang Chong felt that although this guy was willing to endure hardships, he lacked a systematic study and understanding of the industry as a whole. The things he learned in school were obviously not enough to meet his needs for career advancement, so he deliberately let him get in touch with these things so as to achieve further development. Exercise his purpose.

Ma Xiaoxiao's new column "Xiaoxiao Talking about Finance" in "Donghua Daily" wrote articles about maintaining personal credit in the first issue. Ma Xiaoxiao was greatly encouraged by the case, which popularized the basic common sense of credit reporting in a simple way, and was widely praised by the society, and was even named and praised by the Propaganda Department, and asked to write more common sense about inclusive finance. .

However, this incident made Wang Chong suffer.In addition to the work in the bank, Wang Chong now has another task, which is to provide Ma Xiaoxiao with column topic materials and cases. Things to write about.

Lin Tianhua was sitting in the office. He had just attended the city's financial work conference from the city government.Recently, the central bank has issued a series of policies to release water in disguise, but the overall economic situation is not optimistic. The released liquidity has flowed to the real estate market and capital market, while the real economy is struggling.At the meeting, Deputy Mayor Li, who was in charge of economics and finance, repeatedly emphasized that major banks should support the local real economy, and provide strong support for major customers in the city, and must not withdraw loans, emphasizing that this is a political task.

After the meeting, Deputy Mayor Li interviewed Lin Tianhua separately, saying that a 6 million yuan corporate financing of Tianma Group was about to face the risk of being unable to deal with it, and asked Lin Tianhua to continue to increase the credit to Tianma Group. Otherwise, there will be systemic risks in Tianma Group, which will cause a devastating blow to the city's economy.The State-owned Assets Supervision and Administration Commission and China Merchants are the largest shareholders of Donghua Bank, accounting for one-third of the board of directors, which makes Lin Tianhua feel pressure.Especially next year, Donghua Bank will be listed, and the assessment indicators by the end of the year must not be too ugly. However, through this investigation, he is not optimistic about the asset quality of the entire Donghua Bank. Although the non-performing rate on the 1104 report is less than 2%, but In fact, some restructured loans and manually intervened loans are not included in the calculation. If loans overdue for more than 6 days are included, the real non-performing rate exceeds [-]%.

There are two documents on the desktop, one of which is a discussion draft of the "Proposal on Deepening the Reform of the Business Unit System" jointly written by the Strategic Planning Department and McKinsey.East China Bank carried out business department reform three years ago, but the overall reform effect was not good.In addition to changing the name of each department, the specific operation and authorization still follow the original management model. The reason why it has not been promoted is related to the struggle between various forces in the industry.After a long-term struggle, the New Donghua and Laochengxin factions have gradually reached a balance and tacit understanding, and they hinder each other.Although Lin Tianhua is very strong, he still feels powerless.

To reform is to seek death, and to not reform is to wait for death.Originally, Lin Tianhua wanted to reshuffle the power distribution of the entire Donghua Bank through this reform department adjustment and authorization change, so as to firmly control the entire Donghua Bank.However, after submitting this proposal to the board of directors, there was no further information, neither affirmation nor veto, let alone the matter of the board of directors.

Since the top management did not support it, according to Lin Tianhua's character, he would never compromise. He needed someone who could fight well to break the power balance within Donghua Bank in the future, and this person was Wang Chong.

The other document is a top-secret document, which records the investigation report on Zhou Yuntao's credit investigation being tampered with.

Not long ago, with the help of the special inspection of credit investigation and comprehensive investigation of case prevention, Lin Tianhua instructed to investigate when Zhou Yuntao's credit investigation record of Chengdong Sub-branch was modified.After Wang Chong went to find Zhou Yuntao, the next day, someone logged into the pre-approval system for credit registration, and deleted the record of Zhou Yuntao's manual intervention in credit reporting. However, this record was recorded by the background log of the Ministry of Science and Technology. , It was determined that the person who modified it was Gai Shujie from the Credit Review Department.

Lin Tianhua didn't have a deep impression of Gai Shujie. He used to work in the Pujiang branch. Without the high-level instruction, he would not dare to do this even if he had a hundred guts.

Lin Tianhua called Wang Chong: "Gai Shujie, do you understand him?"

Wang Chong replied: "When I first joined the company, I stayed with him in the Pujiang branch for a while, and I didn't know him very well. What's the matter, Lin Xing?"

"I found someone to investigate. Zhou Yuntao's credit record was modified by him."

Wang Chong was a little surprised, "How is this possible? This person is usually reticent and cautious in doing things. He is afraid of making mistakes and taking responsibility. Later, when I came to the credit review department of the head office, when I dealt with him, he didn't even speak aloud. For fear of offending people."

"Then who do you think is likely to let him do this?"

Wang Chong thought for a while, "How about I talk to him?"

Lin Tianhua rejected this suggestion, "Don't startle the snake, let me think of a way. By the way, I have read the risk investigation report of the credit department of your Chengdong Sub-branch. The investigation is very thorough and the problem is fully exposed, but it is not enough to just check it out. , but also to do a good job of prevention, I don't want to see a concentrated outbreak of malpractice in your Chengdong branch before the end of the year."

Wang Chong said: "I'm also aware of this. During this period of time, I'll follow closely and visit venture companies on the spot, trying to eliminate the risk before it's too late."

"I'm calling, there is actually one more thing."

"President Lin, please tell me."

Lin Tianhua said: "The municipal government arranged for us to increase the credit line of 5000 million to Tianma Group. After thinking about it, it is more appropriate for you to do this business."

Wang Chong shouted on the other end of the phone: "Lin Xing, such a large amount of business has exceeded the authority of our Chengdong Sub-branch? Is it more appropriate for the head office's sales department or the company's business department Mr. Kang to handle it?"

Lin Tianhua pretended to be displeased and said, "You don't need to worry about the issue of authority, you just need to do a good job in the preliminary credit investigation."

Wang Chong is still unwilling to take over: "I have learned about Tianma Group. Last year, it helped a few companies with bad debts, and their external debts were close to 100 billion. Our bank has already given them a credit of [-] billion. Now they are so big that they can't get rid of it. I do not recommend getting involved in this business."

Lin Tianhua said angrily: "This is a political task. If you can't do it, I don't need to be the president of the bank, let alone you, the director of the business department. Do you have confidence?"

Wang Chong said: "To be honest, I really don't have much confidence."

"Do it even if you don't have confidence, execution!"

Wang Chong said: "Yes!"

"Later, I will ask Kang Shaojie to give you the contact information of their financing department. Please contact me again. We will get it out before the end of the year."

Wang Chong thought to himself, the sentence "to be completed before the end of the year" is worth thinking about. On the one hand, it must be done for them, but on the other hand, it is not in a hurry. It seems that Lin Tianhua is not willing to do this business, but the superiors arranged If it is not implemented, it is a wrong route, and if the implementation is not in place, it is a problem of ability.

"This is making me look sloppy." Wang Chong thought to himself, but Wang Chong is not a person with this kind of personality. If it were Kang Shaojie, there must be a way to deal with this situation. "It seems that I have to find Kang Shaojie to learn from it."

Gu Tiande asked the driver to park the car in the special parking space for banknote cars, and got out of the car.At noon, he invited Liang Youwei from the organization department to dinner, drank half a catty of Moutai, then had a pedicure, and came to the industry with a hint of alcohol.

He heard the news that the head office had arranged for Wang Chong to do the Tianma Group's loan, but Lin Tianhua bypassed him, without even breathing, and directly assigned the job to Wang Chong, which made Gu Tiande a little annoyed.The two security guards were smoking at the door. When they saw Gu Tiande, they held the cigarettes in their hands in fright, and said respectfully, "Gu Xinghao."

Gu Tiande came to the business hall with a sullen face. It was just after two o'clock in the afternoon, and there were no customers in the business hall. Gu Tiande walked around and said to the tellers at the public cabinet: "How do you maintain these green plants? How do the leaves grow?" So much dust on it?"

Several people's faces changed greatly in fright, and they saw that Gu Tiande was reeking of alcohol, obedient and afraid to speak, for fear of making him angry.With a sullen face, Gu Tiande said to Luo Su'e who was sorting out the summons: "You have to take good care of the sales department."

Luo Su'e whispered: "Yes, Gu Xing."

Gu Tiande said: "Come to my office."