money is not guilty

Chapter 5 Complaints

The headquarters of Donghua Bank is located at No. 18 Fuqian Street. It has nineteen floors. It is a rather modern office building. It is unique on the Municipal Government Street. It is said that it spent a lot of money to hire a designer from Beijing's DESTROY Architects to design it. It was only put into use three years ago.

When Wang Chong arrived at the headquarters, Vice President Liao Xingguo was holding an emergency meeting.Sun Zhengbin, director of the discipline inspection office, and Li Shaohua, director of the customer service center in charge of complaints, were comforting Sheng Hongfei in the reception room. Zhang Liyu and Gu Tiande, as the parties involved, were also called over.

Gu Tiande met Wang Chong in the corridor, "Mr. Wang, why are you so reckless, no matter how urgent it is, you have to ask the bank for instructions. Now that the customers are all making trouble at the headquarters, let's see how to deal with this matter."

Wang Chong came to the reception room.Sheng Hongfei came in front of him, pointed at Wang Chong's nose and cursed, "Wang Chong, right? You've made me miserable, let me ask you, why did you freeze my account? You know, yesterday was originally I used eight times the leverage to buy crude oil futures, and I lost more than 100 million because you froze the funds for me. Damn it!"

When Sheng Hongfei went to his office to apply for a loan a week ago, he acted cautiously and respectfully before the loan was released. Wang Chong felt a little disgusted by being so bossy.However, Wang Chong still bowed deeply, "President Sheng, I'm sorry, it's my fault."

"I'm sorry and it's over? What about the money I lost? Is it more than 100 million, you pay it, or your Donghua Bank? Your Donghua Bank keeps saying that customer experience comes first. Is this the fucking customer experience?"

Li Shaohua accompanied Xiaoxin and said, "Mr. Sheng, it's like this. Yesterday we found that your card had frequent transfer transactions. We called you, but you didn't answer. We suspect that your account information has been stolen by criminals. In order to protect you Your funds are safe, Mr. Wang just froze your account, and we will unfreeze your account as soon as you verify the situation today."

"Fund safety?" Sheng Hongfei seized the loophole in this sentence and asked forcefully, "You mean that my money is not safe in your Donghua Bank? Then you can open a shitty bank and close it as soon as possible. This You have to give me an explanation for this matter, otherwise I will definitely not let it go."

Wang Chong took a deep breath and said, "Mr. Sheng, you said that your funds are used for crude oil futures, but as far as I know, the price of crude oil market did not fluctuate much yesterday, and I don't understand how your 100 million profit is calculated. Yes, if you make a wrong judgment or make a mistake, you may lose some money, so can this part of the money be regarded as saved by our bank for you? We are at fault for freezing your account, but we will not take this kind of money into account. Not sure about revenue responsibility."

Sheng Hongfei became angry when he heard it, "It really opened my eyes. How I spend the money is my business. Even if I use them to buy lottery tickets, it is also my business if I lose all. I am happy, maybe I can." Earn [-] million, can you control it?"

Li Shaohua whispered to Wang Chong, "Hurry up and apologize to Mr. Sheng, and make a good apology. If he brings this matter to the Donghua Banking Supervision Bureau, it will have a very bad impact on our bank."

"It's not that compensation can't solve the problem, he's clearly here to find trouble."

Wang Chong pondered for a moment. This incident was obviously premeditated. It all started with that anonymous text message.On the way to the headquarters, Wang Chong tried to call the anonymous text message, but the other party kept shutting down his phone. Later, he asked a friend to help him check, and it turned out to be a white number.He vaguely felt that this matter had something to do with the collection of Zhou Yuntao's loan before the festival.

Wang Chong said to Sheng Hongfei, "Mr. Sheng, please take a step to speak."

When the two came to the small meeting room, Sheng Hongfei said, "Tell me, I'll see how you explain."

Wang Chong looked at Sheng Hongfei and said, "Mr. Sheng, you are engaged in the import and export of red wine. If I remember correctly, the 2000 million loan you borrowed last week was used to buy red wine, and the funds were also paid to the counterparty. However, a few days ago, the loan returned to your capital account after several transactions. According to the loan contract, the borrowed funds cannot enter the stock market, futures, securities and other capital markets. As you said, If you use the funds to speculate in futures, we have the right to announce the maturity of the loan and take back the loan in advance."

Sheng Hongfei's face changed slightly, "And this one?"

Wang Chong said indifferently, "There is such a stipulation in the contract of any bank. Mr. Sheng, if it is true as you said, I am afraid we will implement it according to the contract." Sheng Hongfei smiled quickly, and took out the A box of soft China, and pulled out a stick, "I think there must be some misunderstanding in it, come to smoke."

Wang Chong said no, and warned, "I can pretend I don't know about this matter, but maybe you should think about your wording."

Sheng Hongfei said that I was just short of breath, you know, this kind of thing, anyone would be annoyed, and I drank some wine yesterday, Mr. Wang, I will not pursue this matter.

For a trading company, taking away its cash flow is almost a death sentence for the company. Wang Chong understands this, and so does Sheng Hongfei.Wang Chong didn't choose to point it out in public, mainly because he still wanted to know why he had to do this kind of operation.Regarding this, Sheng Hongfei was vague and refused to tell, insisting that it was his own business needs.

When the two came out talking and laughing, Li Shaohua could hardly believe his eyes.

Sun Zhengbin, who has been supervising the whole process, also felt a little strange.After only one cigarette, Sheng Hongfei gave up complaining, but he didn't ask.His job is to truthfully record the process and then report to President Liao.

After sending Sheng Hongfei away, Wang Chong returned to the headquarters to attend Liao Xingguo's meeting.After dealing with external complaints, the impact of this matter will be minimized. However, the trouble has just begun, and the real battlefield is in the industry.

This kind of thing, when it comes to big things, flouting the rules and regulations of the industry and violating professional ethics is a serious operational risk. It can be punished by demerit, recorded in the record, deducted half a year's performance, and not promoted within a year. If this is the case, Wang Chong I am afraid that the assignment of expatriates after the next year will come to nothing.

To put it mildly, for the safety of funds in the bank, a temporary emergency measure was imposed and a fine of 1000 yuan was imposed.It can be said that it is big or small, and the key depends on how to characterize the problem in the industry.However, in this battlefield, Wang Chong did not have the right to choose, so he could only quietly wait for the result.

Small meeting room.

Wang Chong, Zhang Liyu, and Gu Tiande sat in the meeting room as nonvoting delegates.Sun Zhengbin from the Discipline Inspection Office gave a brief report on the whole incident to all the participants. After listening to it, Liao Xingguo said, "Let's share your opinions."

Li Youtian was the first to speak, "I think what Wang Chong did was wrong. After all, it violated the bank's rules and regulations. However, Wang Chong did this for the safety of the bank's funds, to avoid unnecessary losses, and to save money. The former Wang Chong also made great contributions to the industry, so I suggest dealing with it lightly."

Chief Financial Officer Song Ting said, "I disagree. I personally think that Wang Chong's behavior violated the bank's account fund management regulations. He took extreme actions without authorization, which is an extremely dangerous signal. Zhang Liyu... ..."

Zhang Liyu stood up from his seat, he was in a terrible mood now.

All the people present here are high-level executives of Donghua Bank. He is a small business executive. Some people have only heard of him by name and have never met. Song Ting has always been a hard-to-talk master. It can be said that she holds the fate of more than 700 tellers in Donghua Bank in one hand. If she is targeted, her future in Donghua Bank will be over.

He promised, "Director Song."

Song Ting asked, "Did Wang Chong authorize you when the incident happened?"

Zhang Liyu: "The matter was urgent at the time, and client funds were being lost..."

"I just ask if you have authorization?"

"No. But..."

Song Ting said, "There is no but. Do you know what you mean by doing this? If he asks you to freeze the client's funds, you will freeze the client's funds. If he asks you to transfer one billion to him, you will do the same?"

"will not."

"I don't think so. Donghua Bank has always been based on systems and mechanisms. The government and the people have entrusted us with the management of funds. It is not something that can be manipulated by just a phone call from any of our departments. This is my responsibility. In charge, I think it should be dealt with seriously."

Li Youtian said, "Wang Chong has just made meritorious service, so if we treat him like this, I'm afraid it will chill the hearts of the employees."

Song Ting: "Our bank is a place that emphasizes systems and rules, not relationships and human relations. Employees in our department have made mistakes. Does President Li mean to be partial when he says that?"

Li Youtian is almost 50 years old, and he has always been at odds with the financial director in his thirties. Hearing what Song Ting said, he couldn't help being angry, "What is favoritism? Humans, mistakes are inevitable, the more you do , the more mistakes, the more Wang Chong encounters this kind of thing, he ignores it. Who will be responsible for the safety of funds in the industry? Just hold on to it, I don't think Director Song is doing something on purpose, right?"

As soon as this remark came out, the entire conference room fell silent.

Once the meeting of Donghua Bank involves factional struggles such as Laochengxin and New Donghua, it is very sensitive. With Li Youtian's identity, he should not have said such things, but Wang Chong is his own capable person. If he If something goes wrong, I can't face it.

Song Ting said, "Donghua Bank is Donghua Bank, there is no old city letter, new Donghua, President Li, I'm just discussing the facts."

Gu Tiande raised his hand, signaling that he had something to say, Liao Xingguo nodded, and then Gu Tiande stood up and said, "As the president, I am also responsible for what happened in our Chengdong branch. Wang Chong called me yesterday. , I drank some wine on social occasions, failed to ask the leader of the head office for instructions in time, and rejected his request, but I did not expect that he would bypass the authorization and forcibly order the operation on the counter, which was caused by my lax management. For that, I'd rather accept organizational handling."

Liao Xingguo asked, "What treatment can you accept?"

Gu Tiande thought for a while and said, "At least one month's performance has to be deducted, let's review it in writing, but the leader can rest assured, I will hold an all-staff meeting after I go back, learn and summarize experience and lessons, and prevent such things from happening. Our bank needs to Strictly abide by the bottom line of risk, what can be done and what cannot be done, we must always be vigilant, and we must not encourage this kind of unhealthy tendencies."

As soon as these words came out, Li Youtian felt a chill in his heart.

In this incident, Gu Tiande's fault was the least. With his statement like this, Zhang Liyu and Wang Chong, who are the parties involved, committed even greater faults. How could the treatment of them be lower than this standard?

Thinking of this, he took a look at Liu Jianguo who had been silent since the beginning of the meeting. They were all letters from Lao Cheng, and he hoped that Liu Jianguo could stand up and speak for Wang Chong.

Liao Xingguo also said, "What about President Liu's opinion?"

Only then did Liu Jianguo say, "Since President Gu can take care of the overall situation, I have no objection." He agreed with Gu Tiande's handling method, which was equivalent to indirectly agreeing to deal strictly with Wang Chong and Zhang Liyu.

Wang Chong reviewed the whole incident. Even if this kind of thing happened again, with his personality, he would still do it like this.Someone must have figured out Wang Chong's character, and set up this trap to make him jump into it.However, Zhang Liyu was innocent. Thinking of this, Wang Chong stood up and said, "I am willing to take all responsibility for this matter, and it has nothing to do with Zhang Liyu. Please consider it at the discretion of the leader."

Song Ting said bluntly, "It's not your turn to talk about this kind of thing. We have our own discretion on how to deal with it."

Liao Xingguo said to Sun Zhengbin, "Make a meeting minutes, and I will report to President Lin later. The result will be notified after President Lin makes a decision. The meeting will be adjourned."

This meeting can be regarded as a meeting before the investigation of responsibility. After Lin Tianhua's instructions, there will be a formal accountability meeting, but these are all formalities.

Everyone left the venue one after another. Wang Chong sat in a daze in the meeting room. Before leaving the door, Liu Jianguo said, "If you can't bear it, you will make a big conspiracy." Li Youtian patted Wang Chong's shoulder before leaving, and whispered, "There is a chance Give President Lin a call."

Wang Chong felt a little annoyed.The biggest hidden danger of this matter lies in Sheng Hongfei. Now that he has given up on pursuing responsibility, the industry can completely push the boat along the way, turn the big thing into a small matter, treat this matter as a negligent act, and deal with it in a simple way, and the accountability office will issue a rectification Just notify.However, the industry has convened four special meetings for the leaders of the industry. Even Gu Tiande, who took advantage of the advantage and pushed the responsibility, jumped out and took the initiative to take the blame. There must be something wrong.

However, Wang Chong didn't feel wronged. Before he did this, he had already thought of the consequences.