money is not guilty

Chapter 46

Three days later, Donghua Baicheng New Materials Co., Ltd., a subsidiary of Tianma Group, transferred 2 million yuan to the Donghua Bank account.Since the implicit guarantee agreement signed in private cannot be announced to the public, the 2 million yuan is a deposit in the accounting books of Baicheng New Materials, while the accounting entries in the bank are deposits.

Gu Tiande did not handle this business through Wang Chong, but the account manager of the business department went to the meeting after Su Lei approved it, and finally reported it to Gu Tiande. This is already the bottom line of concessions that Wang Chong can give.This kind of business is common in the entire industry. If Wang Chong doesn't do it, it doesn't mean that others won't do it.

The new operating indicators in the fourth quarter were under great pressure, and the loan review committee of the head office also turned a blind eye. After all, it is a full margin guarantee, which is a low-risk business. After making a few innocuous requests, the green light was quickly passed. .In the afternoon of the same day, the Chengdong Sub-branch issued an operating loan of 9000 million yuan to the third-party company Donghua Kangmang Economic and Trade Co., Ltd., and returned to Baicheng New Material Company through entrusted payment for the purpose of purchasing polyethylene products .

Because of Baicheng's business, the entire Chengdong Sub-branch suddenly increased 2 million deposits and 1.9 million loans. In addition to some deposits and loans from the business department led by Wang Chong, in mid-November, the Chengdong Sub-branch completed the sub-branch ahead of schedule. As for the annual business indicators, as long as the adverse risks can be well controlled, the Chengdong Sub-branch is expected to enter the top five in the assessment ranking this year.

Gu Tiande felt very happy. At the meeting of the whole branch, in order to show his leadership and business tackling ability, he explained how he approached Tianma Group and how he persevered in winning this business. Teased Wang Chong for a while.

"Director Wang, do you still remember our 3000 million deposit bet back then? Now that I have completed it, Director Wang seems to be short of more than [-] million, right?"

The two quarreled at the meeting that day, and they had made a bet of [-] million. Seeing that Wang Chong was about to complete it first, Gu Tiande and Tianma Group used a combination of fists to complete the [-] million deposit in an instant.Although Wang Chong disdains to do such fake business, but he works in a bank and everything is based on data, so he said with a smile: "Of course I remember, President Gu has strategized and won thousands of miles. I am willing to gamble and admit defeat, how to deal with it, please give instructions from President Gu."

Although Wang Chong was demoted after making a mistake, he was registered at the head office after all. Although Gu Tiande desperately wanted to kick Wang Chong out of the Chengdong Sub-branch, he knew that he did not have this authority, so he simply did it. As a favor, he said to Wang Chong with the attitude of a winner: "After Director Qingquan's accident, you are a capable person in our sub-branch. How can I be willing to let you go? Haha!".

Gu Tiande said again: "Tianma Group is a major customer of our Donghua Bank, and you will be the lead to complete the next 1.5 million project. I have already laid the foundation for the previous one. This business is completed. Our branch's year-end bonus coefficient At least [-], it’s about everyone’s welfare, it’s all up to you.”

Donghua Bank’s year-end awards are very well-known in the industry. After Lin Tianhua came to power, he carried out bold reforms in the incentive assessment mechanism. According to the assessment results, after the benchmark reward amounts of the year-end awards were determined, they were multiplied by an assessment ranging from 0.5 to 3 coefficient, this coefficient is extremely explosive, the same rank and position, the difference in year-end bonus income of branches with good performance is as high as 6 times.

In the past few years, the assessment coefficient of the year-end bonus of the Chengdong Sub-branch has been hovering between 0.5 and 08. Everyone heard that this year's assessment coefficient can reach 1.5, so they couldn't help cheering up and looked at Wang Chong. The sinners in the East Branch are average.

Hearing what Gu Tiande said, Wang Chong said, "I hope President Gu's foundation can be strengthened, so that I can be free in the future work."

……

After more than a week of sorting out, the project team finally completed the preliminary investigation of the loan of Shunfa Aluminum. Since Tianma Group has a stock project of one billion yuan in the development zone branch, this saved the project team a lot of time.According to the process, Wang Chong does not need to do these financial reports and data analysis in person. The account manager and Su Lei are responsible for the authenticity of the data. However, with Wang Chong's personality, he still calculated most of the data himself.

Without notifying Zhao Xiaocheng, Wang Chong brought Su Lei, Zhang Feifan and two other project team members to Shunfa Aluminum in a cheetah to conduct a flight investigation on the loan project.

This factory is located in the southernmost side of Sanjiang County, close to the north of Linhu City, covering an area of ​​more than 300 acres, about two hours' drive from Donghua City Center. Since Su Lei and others have visited many times, the guards did not stop them, and Shunfa After a phone call from the financial manager, he immediately let him go.

When he came to the lobby, he saw Zhao Xiaocheng and others waiting in the lobby. Before leaving, he specifically told the flight survey to be kept secret. He glanced at everyone, "Did you call?"

Everyone shook their heads.

When Zhao Xiaocheng saw Wang Chong, he came up to shake hands and said, "Director Wang, what a coincidence. I came here today to have a meeting with Mr. Peng of Shunfa Aluminum. ,Please come in."

Kang Wan was behind Zhao Xiaocheng and never had a chance to speak to Wang Chong. Taking advantage of the opportunity to go upstairs, she whispered, "Uncle." Wang Chong was taken aback, nodded, and followed.

Shunfa Aluminum General Manager Peng Kaiyu, 35 and six years old, is a young man of Tianma Group and a direct descendant of Zhao Xiaocheng. After exchanging business cards with Wang Chong and others, they exchanged a few greetings and came to the reception room together. After a while, someone Tea, fruit plate, etc. were served.

Wang Chong said, "Let's go to the meeting room."

When they came to the meeting room, Wang Chong and the others sat down and directly explained the purpose, "Mr. Zhao, Mr. Peng, your company has applied for a [-] million credit project with our bank. We have completed the preliminary investigation, and now we are conducting a second investigation. It will take about three days to check some original data, original documents, and check assets and warehouses, which may cause trouble for the two leaders."

Zhao Xiaocheng laughed, "Director Wang is too far-fetched. The development of our enterprise is inseparable from the support of the bank. You can come in person to make our company flourish. Mr. Peng, I will entrust you with the basic necessities of the leaders. But don't be slow."

General Manager Peng Kaiyu said, "Even if Mr. Zhao doesn't order it, we should do our best."

Wang Chong said, "I've accepted it. I don't need to bother Mr. Peng about the board and lodging. We have our own standards for business trips, so we can solve it ourselves, but it may take up an office in your company."

Peng Kaiyu signaled to the office and said, "This is the arrangement!"

Wang Chong took out a document from his briefcase and handed it to Peng Kaiyu, "The materials we need to consult are all listed on it. For some materials, the originals may need to be provided, and we need to conduct a consistency check."

The list above densely lists more than 100 referenced contents, involving six major parts including corporate governance, business management, financial operation, asset quality, system construction, and quality control management.

Peng Kaiyu took the document, glanced at it briefly, and frowned, "Director Wang, some of the information on this document is fine, but some may take some time."

Wang Chong smiled and said, "It doesn't matter, as long as your company can afford to wait, we can wait too."

Peng Kaiyu said: "I mean, can some things not be provided temporarily?"

Zhao Xiaocheng stopped from the side and said: "Mr. Peng, I started to raise difficulties before I started to do it. Do it according to the requirements first, and then communicate with Director Wang if you have any problems!"

Peng Kaiyu said yes again and again, and ordered the financial manager to copy a few parts of the review list and distribute them to various departments to prepare materials.Wang Chong said to Zhao and Peng, "Can the two bosses take a break first, let's hold an internal meeting."

The two went out after hearing the words.

Only then did Wang Chong assign the task, "Everyone has collected enough data in the early stage of this project. This on-site investigation is related to the risk control of the entire project. Please cheer up. I will take charge of the entire investigation. If you have any questions, please contact me directly. I will give feedback. The division of labor is as follows..."

Everyone picked up their notebooks to record.

"Su Lei is responsible for the consistency audit, especially the original copy of PricewaterhouseCoopers' three-year audit report on the company. In addition to checking with the copy, it must be verified online with an anti-counterfeiting code to ensure authenticity. Filed by the Industrial and Commercial Bureau The articles of association of the company, the holding of the recent shareholders' meeting, the mortgage of the real estate registration certificate..."

"Zhang Feifei checked the large amount of fixed assets and depreciation, the situation of goods in the warehouse, the payment of electricity fees and electricity price subsidies, the original contracts issued in recent years, invoices and old inspections, tax deductions, etc..."

At the same time, Wang Chong arranged for two other employees to investigate the system construction, quality control and other details, "In the next three days, the time is tight and the tasks are heavy, and we may have to work overtime at night. Please understand, when this project is completed , I will take everyone to the suburban group building!"

General Manager's Office.

Peng Kaiyu angrily threw the review list on the desk, and said, "Is this Wang Chong a fool? I have made so many loans, and I have never seen so many documents. Even if the tax bureau came to check, Nor does that.”

Zhao Xiaocheng analyzed lightly: "I have dealt with them before Wang Chong, and he is capable. To put it mildly, he is upright, but to put it badly, he is incapable of being a man. He was demoted to the Chengdong branch not long ago. Lin Tianhua sent him to do it. This business is clearly an expression of dissatisfaction."

"What dissatisfaction?" Peng Kaiyu asked suspiciously.

"Our chairman arranged for Lin Tianhua through the city leaders. Lin Tianhua didn't dare to refuse, but he didn't feel at ease. During this time, he was served with delicious food and drink. As long as the loan can be approved, they will agree to any conditions. !"

Peng Kaiyu said: "You don't need to order this from Mr. Zhao, as long as the other party speaks, even if I kneel on the ground and say it to him, I will not hesitate!"

Zhao Xiaocheng frowned and said, "Speak civilized! This matter is done, I will go to the chairman to ask for credit for you, and let you join the executive committee of the group."

Peng Kaiyu was excited. Joining the executive committee of the group was equivalent to entering the power core of Tianma Group.

Although Peng Kaiyu is now the general manager of Shunfa Aluminum, everyone who understands knows that he is just a pawn on the platform. Peng Kaiyu has no say in the operation of the entire company. Zhao Xiaocheng can easily remove him with just a phone call. The executive committee of the group is the decision-making layer, which involves the distribution of interests of the entire Tianma Group, which is what he dreams of.

Eight years ago, Peng Kaiyu was still an ordinary salesman, and a subsidiary company borrowed from the bank to invest in the construction of factories.At that time, a leader of the executive committee used a qualified company borrowed by his sister-in-law to win the bid with 5000 million yuan, and then subcontracted out another 2000 million yuan. After paying management fees and taxes, he pocketed more than 2000 million yuan. middle.

This incident shocked him greatly. Now that Zhao Xiaocheng promised him this matter, how could Peng Kaiyu not be excited, and quickly expressed his loyalty, "Mr. Zhao, don't worry, from now on, I will never let you let me go east." Dare to go west, as long as I, Peng Kaiyu, stay in this company for a day, I will be your dog for a day!"

Zhao Xiaocheng said: "Be civilized!" Pointing to his chest again, "Some things and some words should be put here, not necessarily said."

"Then Wang Chong asked us to prepare so many things, why do we have to give them all? You know, some of the information provided to them last time cannot withstand investigation!"

Zhao Xiaocheng said coldly, "Here, not only give, but also give more, don't they like to check, then build a mountain for them, let them check, in three days, if they have the ability, they can read it all. Also, you Don't wait foolishly, there are still four people, the house, the car, the ticket, the child, the woman, the seat, the notebook, the seven sons are admitted, they can always find a breakthrough, right? I don't believe they are all as different as Wang Chong It's close to human. Keep an eye on that Su Lei, he is quite concerned about Baicheng's business."

"I'll make arrangements right now."

After Wang Chong finished the meeting and arranged the overall investigation situation, it was nearly twelve o'clock, and everyone was hungry.Such chemical enterprises are generally built in the suburbs, there are no restaurants nearby, and employees eat in the employee cafeteria.

Zhao Xiaocheng walked in with a smile on his face, "I'm sorry to bother you, it's lunch time, and I have arranged a light meal, and I would like to invite Director Wang and the leaders to appreciate it."

Wang Chong said with a smile, "Thank you very much. We'll treat you to this meal."

When everyone came to the private room and saw the dishes on the table, Wang Chong frowned and said, "This meal is too expensive, we can't afford it."

Zhao Xiaocheng laughed and said, "Director Wang is really funny. You came to us to investigate and even pay us for it. If it spreads, it will be a slap in the face of our Tianma Group. Please sit down!"

Just as Zhang Feifei was about to pass by, Wang Chong stared and hurried back obediently.Wang Chong said slowly, "They're not outsiders, so save as much as you can. Let's go to the staff restaurant outside to eat with the workers. Please go your own way!" He said, leading everyone to the staff restaurant next door.

Zhao Xiaocheng winked at Kang Wan, Kang Wan understood, and followed, saying sweetly, "Director Wang, I'll show you the way!"

Zhao Xiaocheng's cell phone rang, it was Gu Tiande calling.

"President Gu, hello! Yes, yes, the project team has come here for on-the-spot investigation. They are very serious and conscientious. Okay, we will fully cooperate in promoting the project. Say hello to President Lin for me!"

Peng Kaiyu said: "The visitor is not kind!"

After a while, Gu Tiande called again, "I just came out of President Lin's office. How is the project going?"

Zhao Xiaocheng said dissatisfied: "This Wang Chong is a bit annoying, can you find a way to transfer him out of the project team?"

"I don't want him to be responsible either. It's not like you don't know that Wang Chong was sent by Lin Tianhua, unless you can do his job well."

Zhao Xiaocheng sneered in his heart, it is not certain how long Lin Tianhua can hold the position of president.

Qi Zhongyuan has recently been active in the provincial capital and is raising a sum of money. As long as the loan from Shunfa Aluminum is approved to overcome the debt crisis, the next strategy is to increase the shares of Donghua Bank.Now Tianma Group has reached 4.9% holding directly or through affiliated companies. As long as it buys another 0.2% of the shares, according to the articles of association, it can automatically obtain a seat on the board of directors, and then it will have more say in Donghua Bank.

Lin Tianhua's aggressive behavior in Donghua Bank has already caused some people's dissatisfaction. There are rumors in the top management that if this year's assessment indicators fail, Lin Tianhua will be removed from the position of president before listing.

After hanging up the phone, Peng Kaiyu asked, "Is there any other way?"

Zhao Xiaocheng made another call, "Hello, third brother..."

……

Compared with Donghua Bank, the food of Shunfa Aluminum is different by several grades. Most of the food here is workers. The food is divided into two types: 10 yuan and 15 yuan, one meat and one vegetable or two meat and one vegetable. Fortunately, the food It was also relatively clean. Wang Chong and the others charged their cards, bought food, and sat down in a secluded place.

"Uncle, I invite you to eat chicken drumsticks!" Kang Wan sat opposite Wang Chong with a plate. Seeing this, Zhang Feifan, Su Lei and the others quickly stepped aside. "I have a group card, it's free, what else do you want to eat, please!"

Wang Chong was a little embarrassed, "Thank you, you can eat by yourself."

"I'm losing weight, so I can't eat too greasy food."

Su Lei whispered, "Fan Fei, you've been with the boss for a long time, when did he get on good terms with this girl?"

Zhang Feifan said I don't know, Wang Chong coughed, and several people laughed and went to eat in the distance with their plates.Not long after, Wang Chong walked over with a plate in a bit of embarrassment, "Squeeze, give me a seat."

Su Lei jokingly said: "Boss, it's the hardest thing to bear the grace of a beauty. There are such good things in the world, but you don't have the blessing to accept them. It's a pity, a pity!"

Wang Chong said in a deep voice, "What nonsense are you talking about, eat quickly and go back to work!"

Not far away, Kang Wan stomped her feet angrily, and said to herself, "I don't believe that you can escape from my palm."

In the afternoon, the materials were sent over one after another, and everyone directly invested in the project. After a while, Wang Chong realized that something was wrong. Most of the materials they received were invalid.

Zhang Feifei complained: "We didn't need some materials at all, they sent them all over. There are not many copies of some key materials we need?"

Wang Chong found the financial manager of the other party. The financial manager said he didn't know. They also informed the various departments to prepare according to the requirements. How could Wang Chong not know that Zhao and Peng did it deliberately? The phone was turned off, so he said to Su Lei and the others: "Pack up your things and prepare to go back to Donghua."

Then he said to the financial manager: "The list has been provided to you. When it will be sorted out, call Zhang Feifan in advance. However, there are more projects on hand recently, and the arrangements have been made until January next year."

When the financial manager heard this, he panicked and hurried out.Before Wang Chong and the others left the car, they saw Zhao Xiaocheng, Peng Kaiyu and others running over panting.