money is not guilty

Chapter 7

Two hours ago, the large meeting room of East China Bank.

Lin Tianhua walked in with a cloudy face.He had just received a call from Li Yongjun, the deputy mayor of the municipal government in charge of the economy. The other party made a request for an additional one billion credits to Tianma Group, and he was in a bad mood.Although Deputy Mayor Li said that it was just a matchmaking, and the specific loan or not loan should be handled according to the requirements of your bank, but the weight of this call is far more important than what he said.

Tianma Group is a large taxpayer in Donghua, and now has a credit of [-] million in Donghua Bank. However, Lin Tianhua believes that their expansion is too fast, and their diversified operations are too scattered. In particular, the new tire project recently launched has been subject to anti-dumping investigations in the North American market. Falling into the quagmire, Lin Tianhua is not willing to continue to increase the credit.But since it was the city leader who called, Lin Tianhua didn't say anything dead, but replied that he would think about it.

Today, the third-quarter business analysis meeting and the fourth-quarter business meeting were held. The president's office, the finance department, the operation department, the seven marketing departments at the front desk, and the presidents of [-] sub-branches all attended the meeting on the spot.

Liu Xiao, the assistant to the general manager of the planning and finance department, was reporting the business situation in the third quarter. Seeing President Lin coming in, his voice became cautious.

"In the third quarter, the balance of various deposits was 517.29 billion yuan, the balance of various loans was 335.7 billion yuan, and operating income was 17.4 billion yuan, including interest income of 27.6 billion yuan, intermediary business income of 0.6 million yuan, and interest expenses of 10.8 billion yuan. Business expenses were 13.36 billion yuan RMB 1.2 million in taxes and surcharges, RMB 5.6 million in business and management expenses, and RMB 6.56 million in asset impairment losses. In summary, the net profit in the third quarter was RMB 4.03 million, and the budget target was 50.3%..."

Lin Tianhua knocked on the table, interrupting Liu Xiao's report.

Lin Tianhua stood up and said while walking in the meeting room, "The situation is very serious, comrades! Our Donghua Bank will be listed next year. What is the profit target issued by the board of directors? 8 million! We have only completed half of it, and there is still one quarter left. , to achieve a net profit of 4 million yuan, do you have confidence?"

The few replies in the conference room said yes.Lin Tianhua patted the table and said, "I can't hear you, can you?" Everyone immediately puffed up their chests and shouted, "Be confident!" Lin Tianhua then asked loudly, "How to do it?"

Everyone lowered their heads. It is one thing to shout slogans, but it is another thing to actually take action.According to the current business situation, no surprises, the net profit will be around 6 million by the end of the year. The difference between the [-] million cannot be accomplished by shouting slogans.

Lin Tianhua said loudly, "Don't you say it? Then I will!"

Next, Lin Tianhua's roaring voice filled every corner of the conference room. He stood up, and every time he walked to a department or branch, he issued a set of indicators for deposits, loans, non-performing collections, and intermediate business. , stood up quickly, patted his chest to ensure the completion of the task, and the office director Li Shaohua's pen was quickly recording.

"Intermediary business income should be increased by 5000 million on the basis of the current target, 4000 million for the investment banking department, and 1000 million for other channels and settlement departments. President Li will come up with a specific plan for me after the meeting and bring it to my office before get off work. As long as the target is completed , You can mention the bonus as you like."

Li Youtian said, "President Lin, please rest assured."

Lin Tianhua said, "Nowadays, the capital market is volatile. I hope that the investment banking department can seize the opportunities and opportunities and fight a few good battles. However, to avoid the red line of supervision, what should be done and what should not be done is up to you. There are many."

The head of the investment banking department said, "President Lin, recently, the market has fluctuated greatly. SHIBOR's overnight and seven-day lending rates have repeatedly reached new highs, which shows that there is a big problem with the liquidity of the banking industry. We believe that the market risk in the fourth quarter is relatively large. , the central bank may shrink monetary policy, and we recommend a conservative investment strategy.”

Lin Tianhua shouted, "Risk? What our bank operates is risk! Risk is opportunity. Our bank hires you one million a year, not for you to tell me the risk! Conservative? I brought a dog from the door, and it also Will make conservative investments!"

Lin Tianhua was a little hysterical. In his meetings, he never saved face for his subordinates. The boss of the investment bank consciously kept his mouth shut.

The crowd burst into laughter.

Lin Tianhua said, "What's so funny? Our commercial banks are pursuing what is scale and profit. What are employees pursuing is money, money, money! As long as you create profits for the bank, we will never treat you badly. Anyone who has meritorious service. Donghua Bank does not need employees who are just waiting to die!"

"Our bank needs to both increase revenue and reduce expenditure, and there is still a gap of 500 million yuan. I can save it from operating expenses. The ratio of people to counters (the ratio of counter staff to the number of counters) can be reduced to 1.3 for me. There are entertainment expenses for each branch, save some money."

Chief Financial Officer Song Ting quickly recorded it.

A sub-branch manager said, "The sub-branch's entertainment expenses are already very tight. Near the end of the year, there are many yamen from all walks of life who have to visit and move around. The higher-ups have to receive inspections and help with the relationship between the county and the city. If it is further reduced, I'm afraid It will affect the motivation of employees.”

Lin Tianhua sneered, "I'm just wondering, isn't the monthly entertainment fee of 24 yuan not enough for you to squander? I also saw the audit report a few days ago, a branch has six official cars, [-] wheels, all tires in one year It’s going to change eighty, so many tires, have you all eaten? There is also a sub-branch, and you have to drink [-] bottles of Lao Baigan for one reception, so much wine, you can take a bath! I am very surprised about such an expense report Bring it up, how have you audited your finances?"

The general manager of the finance department was too scared to make a sound.

Anyone with a discerning eye knows that this kind of reimbursement must be problematic. Donghua Bank implements classified management in its budget. Some sub-branches do not have enough business development expenses, so they try to find ways to make up for it from basic operating expenses, and list entertainment expenses and maintenance expenses. It just "eats" the tires.In addition, Donghua Bank stipulates that the wine used for entertainment should not exceed 200 yuan, but in the actual entertainment, Moutai and Wuliangye are the standard wines. Many branches disassemble a bottle of Moutai into ten bottles of Laobaigan for reimbursement.These are very common accounting processes in sub-branches, but some sub-branches did not consider rationality when operating, which led to such jokes.

"All of you branch managers are really good actors. I went down with President Liao to investigate, but only ate a bowl of noodles and fried two vegetables. A few days ago, the head of the organization department of the head office went down. It was Moutai Wuliangye and the bathing center. Our Donghua Is the bank's team so unbearable?"

Everyone looked at Liang Youwei, the general manager of the organization department. It was not a good thing to be named by Lin Tianhua, and everyone gloated at his misfortune.

Liang Youwei raised his hand, a little grievously said, "President Lin, we paid our own money to go to the bathing center. I'm not the only one who drinks Moutai, everyone goes down..."

Li Youtian scolded, "Shut up!"

Fortunately, this is the business analysis meeting, and Lin Tianhua did not pursue it. Next, he targeted the presidents of the 100 sub-branches present. Goals will be raised in equal proportions, and those who complete the goals will be rewarded heavily. Those who rank first at the end of the year will be promoted to assistant to the president of the head office. If they fail to complete the year-end performance, the payment of year-end performance will be postponed. At the end of the year, the presidents of the two sub-branches ranked last. You will come to see me with your resignation report Me. Is there a problem?"

Gu Tiande was the first to stand up and said, "I promise to complete the task!" The other sub-branch presidents also expressed their opinions that they must vigorously cooperate with the goals of the board of directors and complete the tasks assigned by President Lin.

After Lin Tianhua spoke so much in one breath, he sat back in his seat. "The members of the team, the discipline inspection office, and the manpower will stay, and the rest will leave the meeting. Director Li will send the meeting minutes to the various departments and the supervision department later."

Everyone got up and left the conference room one after another. Before leaving, they all arranged their seats.Lin Tianhua was very strict with such details. Once at a meeting, a department leader left without taking his seat. He was criticized by the whole bank and fined 3000 yuan, which made him feel ashamed.

Lin Tianhua lit a cigarette to calm down his mood.

Donghua Bank implements a smoking ban. Once caught, one month’s performance will be withheld for the first time, downgraded for the second time, and fired for the third time. However, this smoking ban has no effect on high-level personnel. Xing Guo is a big smoking gun. Every time they host a meeting, the conference room is filled with smoke.

At the team meeting, Lin Tianhua's tone was relatively calm. After all, they are all senior executives of Donghua Bank. They are not ordinary people who can sit in this seat. Chong’s violations will be dealt with.”

Gu Tiande did not leave after the meeting, but stayed in the head office building and visited various departments.Every time he came to the head office for a meeting, he would take this opportunity to get in touch with the bosses of the head office, as well as some employees, and often brought some small souvenirs to give away.Gu Tiande believes that when there is no need for others, giving people small favors and small favors is a way to attract people with the highest input-output ratio.

Although the sky is high and the emperor is far away in the sub-branch, except for the weekly regular meeting, the rest of the time does not need to look at Lin Tianhua's face, but the disadvantage is also obvious, that is, the information is not timely, so Gu Tiande often chats with these people, sometimes inadvertently revealed Information will be of great help to you.

Today, Gu Tiande is looking for Liang Youwei from the Organization Department. Both of them have worked in the Dayi County Branch before, and their relationship is quite good.Lin Tianhua called Liang Youwei by name today, which made him very embarrassed, so he rushed into his office after the meeting.

When Liang Youwei saw Gu Tiande coming in, he handed him a cigarette. Gu Tiande pointed to the upstairs and said that President Lin had a smoking ban.Liang Youwei was already full of anger, and he cursed when he heard the words, "Fuck the ban on smoking, he doesn't smoke like that? Only state officials are allowed to set fires, and people are not allowed to light lamps..."

Gu Tiande said, "President Lin didn't do it on purpose..."

Liang Youwei said angrily, "Isn't it intentional? After giving so many examples, I'm the only one who fucking mentions my name. I'm a normal man. I live hundreds of miles away from home. I can't return home a few times a year. What happened to the bathing center, did I issue an invoice for reimbursement? Why can’t I pay for it myself? He’s clearly trying to retaliate!”

"What retaliation?"

Liang Youwei said, "Don't you know? A temporary board meeting was held not long ago to evaluate the achievement of the annual assessment indicators. Several directors believed that Lin Tianhua could not lead the whole bank to complete the set business goals, and forced Lin Tianhua to issue a military order. If you can't complete the task, you can resign from the board of directors yourself. Humph, don't look at him being so tossed about today, it's not certain whether he will be able to take this position at the beginning of next year."

Gu Tiande suddenly realized.

Liang Youwei is the nephew of Director Liang Meng. The relationship between Director Liang and Lin Tianhua is not good, but they are both members of the board of directors. Can do it.

The shareholding relationship of Donghua Bank is complicated. Among the top ten shareholders, the largest are the Municipal State-owned Assets Supervision and Administration Commission, the Finance Bureau, and China Merchants. The three together account for more than 30% of the shares, and the remaining shareholders accounting for more than 5% are all well-known local companies. , the group and listed companies, it is worth mentioning that Tianma Group also has a 4.9% stake in Donghua Bank, but they do not have a seat on the board of directors.

At this time, Gu Tiande's text message rang. He looked down at the message and saw Wang Chong's transfer arrangement. He almost jumped out of excitement. If Liang Youwei wasn't there, he would be dancing.I can't help but feel that the sky has eyes, what is more refreshing than treating one's "enemy" as a subordinate?

The fly in the ointment is that this time Wang Chong was only downgraded administratively and did not take disciplinary action, but this treatment can be regarded as giving him a bad breath.

Now this guy is in his hands, like a piece of dough, you can knead it however you want, "Haha!" Gu Tiande laughed out loud.

Liang Youwei didn't know why, so he asked him why he was laughing.Gu Tiande said in a happy mood, "Wang Chong has been transferred to the Chengdong Sub-branch." Liang Youwei said, "I knew that I would be promoted if I fought a battle, so I wanted to come here too. So congratulations, brother, for your promotion?"

"Hey..." Gu Tiande said in a long voice, "To be precise, Wang Chong was transferred to the Chengdong Sub-branch as the director of the second department of credit, and the administration was downgraded." Liang Youwei said, "Then congratulations, brother, for getting revenge That kid, Wang Chong, is stunned, speaks aggressively, and because of his talent, he is defiant. I knew something would happen to him, and I didn't expect the retribution to come so quickly."

Gu Tiande said that I had to rush back to the meeting, so he left quickly.