money is not guilty

Chapter 43 Only Talk About Fengyue

Zhao Xiaocheng is so shrewd, he caught the information of Gu Tiande's discord with Wang Chong from Gu Tiande's words, but he didn't reveal it.

Chinese people pay attention to the equality of ranks in handling affairs. The chairman of the board of directors and the city leaders will deal with Lin Tianhua's level. Gu Tiande will deal with it by himself. After Lin Tianhua and Gu Tiande are settled, even if Wang Chong's side is a bit tricky, it should not be a problem. Zhao Xiaocheng Think so.

Starlight World is one of the most luxurious restaurants in Donghua City. Although the business of this luxury hotel has become more difficult after the enactment of the Eight Central Regulations, there are still many guests visiting.The guests who come here to eat are either rich or expensive. What they eat here is not the food, but their status and face in a restaurant of this level.

Zhao Xiaocheng spent a lot of money on this meal. Each person had an Australian six-headed abalone, chicken with golden hook wings, sea cucumber, etc. Originally, Gu Tiande was thinking about going to work in the afternoon and drinking some red wine. How could Zhao Xiaocheng let go of this opportunity and just open Flying Moutai.

Zhao Xiaocheng came to look for Gu Tiande, before drinking too much, said: "President Gu, it's almost the end of the year, does our sub-branch have a deposit task?"

Although this sentence was asked knowingly, it successfully aroused Gu Tiande's thoughts.Not long ago, Gu Tiande and Wang Chong had a 2 million bet contract. In the past month, Wang Chong led the business department to do a good job, and Liu Xueyi's full acceptance has already completed more than [-] million.

Hearing Zhao Xiaocheng's words, Gu Tiande sighed and said, "Why not? Enterprises are difficult, and banks are even more difficult. Every day's work is deposits, deposits and deposits. You are the uncle when you make loans, and you have to be a grandson when you draw deposits."

Zhao Xiaocheng said: "Recently, Tianma Group doesn't have much funds, but when it comes to deposits, maybe we can cooperate and help."

Gu Tiande secretly thought that although Tianma Group encountered a payment crisis, it is an aircraft carrier-level group company after all. The emaciated camel is bigger than a horse, and it has a bet with Wang Chong. Although neither party mentioned it afterwards, Wang Chong secretly made it He worked hard, if he can overwhelm him in terms of deposits, at least he can also suppress his domineering aura, so he said, "That's good, I don't know how to cooperate?"

Zhao Xiaocheng picked up the wine glass, "Then go first, I'll do it, you can do whatever you want."

The two clinked glasses, and Zhao Xiaocheng drank the wine in one gulp. Although Gu Tiande likes to drink, he has never seen it so straightforward, so he followed suit.

Zhao Xiaocheng then said: "Isn't it the end of the year? A listed company in our group that produces polyethylene is about to face an audit. The report data is not very good. We want to use a brother company to help make an order. Help me with the account, and return the goods after the reporting period, but I need your bank's help, what do you think?"

Gu Tiande knows that the capital supervision of listed companies is very strict, and this kind of accounting treatment is also very common in business operations. The usual practice is that Tianma Group deposits a full amount of margin as a guarantee, and then provides an equal loan to the purchaser through Donghua Bank. Paying to Tianma Group, in this way, it is equivalent to inflating an order.

Only a small part of interest and taxes are used, and a part of business income is added to the enterprise's statement, while the bank obtains deposits. It is a win-win situation for both the bank and the enterprise.

Gu Tiande asked: "How much is the order?"

Zhao Xiaocheng said: "[-] million, we deposit the full amount as a deposit. However, we are a listed company, and we cannot sign a guarantee contract for this kind of thing. Otherwise, the China Securities Regulatory Commission will severely punish it if it is found out."

When Gu Tiande heard the amount of the deposit, he was a little moved, "If it doesn't work, then sign a drawer agreement. As long as the loan is repaid on time, we will not credit it."

Zhao Xiaocheng knew that the bank's assessment was under great pressure. When he put forward this opinion, he could see that Gu Tiande was moved, so he said: "Sign a tripartite agreement at most, but it must not be made public."

Gu Tiande nodded. This kind of business with full margin and no exposure is considered a low-risk business in the industry. The approval right lies with the sub-branch, and there is no need to go through the loan review meeting of the head office. This is a loophole in the authorization mechanism for the sub-branch to approve a single transaction. Gu Tiande thought for a while, but finally couldn't stand the temptation of "[-] million deposits", and said, "Well, this matter is settled like this."

Zhao Xiaocheng laughed and said, "President Gu is really a cheerful person, let's have another drink!"

The two clinked another glass, and Zhao Xiaocheng drank it down in one gulp.

To be able to fulfill the position of financing director, Zhao Xiaocheng's drinking capacity can be regarded as unfathomable. Although Gu Tiande's drinking capacity is not bad, but where has he ever seen Zhao Xiaocheng's drinking method of one drink at a time? Drink half a catty of wine.

Li Xiao smiled and said, "Mr. Zhao, let me make a suggestion. President Gu supports the work of our Tianma Group so much. I have to do it with President Gu no matter what!"

Zhao Xiaocheng said, "Okay, okay, I'm busy talking about business, and I've neglected the three beauties. From now on, we don't talk about business, we only talk about Fengyue!"

Although Gu Tiande is a veteran in the field of love, but a hero is no match for many people. Under the repeated offensives of Li Xiao and Liu Yao, he finally lost his defense.Seeing that Kang Wan was sitting there indifferently, he stepped forward to toast, took Kang Wan's hand deliberately, and said, "Beauty, let's have a drink too!"

Li Xiaodao: "It's not okay to drink like this, at least let's have a drink."

Kang Wan felt a little repulsed by a man of this age who could be her own father, and said: "I'm not feeling well today." Gu Tiande was a little unhappy, "Anyone who drinks alcohol doesn't feel well, just have a drink with me."

Zhao Xiaocheng also said: "It's just a drink, not letting you sleep with me, why do you refuse?"

Kang Wan's face was not good-looking, she tried her best to break away from Gu Tiande's hand, but she couldn't control her strength, and suddenly dragged Gu Tiande to a stagger, spilling a glass of wine on the ground.

Seeing this, Zhao Xiaocheng stepped forward and slapped her, "You are still a top student at Donghua University, you can't do such a small thing well, what kind of financing manager are you?"

Kang Wan covered her face and looked at Zhao Xiaocheng in surprise.

After graduating from Donghua University with a major in finance and economics this year, she was directly hired by the financing department of Tianma Group with a high salary. In the eyes of other students, she is a standard golden collar. However, she has worked for more than half a year, and only she knows the pain. Thinking of this, tears rolled in her eyes Son.

"Aren't you going to apologize quickly?"

Kang Wan supported Gu Tiande, "President Gu, I'm sorry."

Gu Tiande staggered and said, forget it, it's no big deal.After this incident, everyone lost their interest in drinking. Zhao Xiaocheng proposed to sing, and Gu Tiande clapped his hands in agreement. Zhao Xiaocheng was afraid that Kang Wan would cause any trouble, so he asked her to take a taxi back. He took the other two girls to the KTV and spent the afternoon tossing It didn't end until midnight.

Early the next morning, Zhao Xiaocheng came to visit Gu Tiande again alone, and brought the project letter from Polyethylene Company.

Gu Tiande was tortured a lot last night, and he is still dizzy until now. After letting Zhao Xiaocheng in, he said: "Mr. Zhao is quite efficient."

Zhao Xiaocheng said with a smile, "We do financing, and what we do is race against time, but then again, my brother was really aggressive yesterday."

Gu Tiande said, "Don't mention it, I'm getting old and I can't do what I want."

When the man was talking about this topic, he couldn't help but smile knowingly.Zhao Xiaocheng said: "I also want to ask my brother to help me with the matter discussed yesterday. Of course, this favor will not be in vain. I asked the chairman for instructions, and I will also take part of the fee to thank my brother. .”

Gu Tiande sullenly said, "We are doing this for the development of the bank, so let's avoid it."

"How can this work? Business is business, and friendship is friendship. Of course, we are all law-abiding citizens, and we must do things in compliance with laws and regulations. In this way, I heard that your brother-in-law opened a wine trading company. Our group plans to start from there. While purchasing 50 yuan of red wine, I will ask my brother to help coordinate it."

Gu Tiande is an old fritter, how could he not know what he meant.This red wine trading company was originally a leather bag company opened in the name of his brother-in-law. Not to mention a warehouse, it didn't even have a place of business, and it was mainly used for billing and cashing.

On this point, Gu Tiande is much smarter than Li Qingquan. He is a banker, and his business is risk. If someone comes to investigate in the future, he can also draw a clear line with this company and carry out risk separation.

Hearing Zhao Xiaocheng's words, Gu Tiande also said: "Alright, I will help you buy a batch of high-quality red wine!"

Zhao Xiaocheng said: "Then brother, you have to worry too much!"

……

Enterprise loans, especially those involving group enterprises, are different from small and micro loans. Donghua Bank’s small and micro loans have greatly improved their efficiency during Wang Chong’s tenure as general manager. The average loan application time is 8.6 working days. The speed is among the best in the industry.

For corporate loans, more attention is paid to the security of funds. From loan application, investigation, approval, and loan lending, each link involves a lot of communication and repetition. Generally speaking, a project from project approval to credit granting takes as little as one month and as many as one month. Then more than half a year.

The business of Tianma Group was sponsored by Su Lei. Due to the heavy workload, in addition to Zhang Feifan, Wang Chong also transferred two account managers to assist in the completion of some key links, such as enterprise underwriting, on-site visits, etc., as department heads , but also to come forward in person.

After Wang Chong arranged the work of the department, he was about to go out with Su Lei and others. Gu Tiande called Wang Chong to the office, "How is the project of Tianma Group going?"

Wang Chong replied truthfully, "It is still in the stage of collecting information. There are more than a dozen subsidiaries and affiliated companies under the name of Tianma Group. It may take a week to sort out the financial status of so many companies."

Gu Tiande handed the project letter sent by Zhao Xiaocheng to Wang Chong, and said, "It's almost the end of the year, and our deposit task is still more than [-] million short. If we fail to complete the task, the year-end bonus of the whole bank will be discounted by then. .Look at this project, it does not conflict with Shunfa Aluminum’s project, so let’s do it together.”

After a cursory glance, Wang Chong understood the purpose of this project.

When sorting out the financial report of Tianma Group, Wang Chong found that the financial report of Shunfa Aluminum was very healthy, and the profit margin was also good, but this was contrary to the development of the entire industry under the current situation.After the merger of Shunfa Aluminum and the group company, there are always some discrepancies in the data. I am afraid that Tianma Group has involved a large number of such false transactions and virtual transactions between affiliated companies.

Gu Tiande asked, "What do you think?"

After the matter of the Sky Bird Breeding Co., Wang Chong has already seen through the nature of this person. He is the person in charge of the business department. If this business is to be completed, it must be approved by him. However, this kind of trade that is obviously against common sense, although there are The amount of margin seems to be very low, but it hides huge operational risks.

Thinking of this, Wang Chong said, "Gu Xing, I cannot agree to this business."