money is not guilty

Chapter 77 The Best Gift

After returning from the meeting at the head office, Wang Chong found that the business hall of the sub-branch was full of customers waiting to withdraw money. As soon as he returned to the office, Shang Qingshan from the sales department took the capital transfer approval form to Wang Chong for signature.

Wang Chong was a little puzzled, and asked, "Didn't you just transfer 200 million in cash yesterday? Why do you want to transfer it again today? Why are there so many people withdrawing cash recently?"

Shang Qingshan said, "Isn't it approaching the end of the year, and the number of people withdrawing cash will increase at this time of year."

Nowadays, there are a lot of electronic payment methods, such as online banking, WeChat, Alipay and other channels. Usually, the Chengdong Sub-branch does not have much cash business, but it is also seasonal, especially at the end of the year, when the cash business surges.One is because banks are not open during the Spring Festival, and people usually take part of the cash habitually. Second, during the Spring Festival, when visiting relatives and friends, they need red envelopes and cash. The third is that at the end of the year, some projects need to give money to migrant workers. To settle their wages, these people generally pay in cash.

Wang Chong was not very familiar with cash business at the business office before. After Shang Qingshan explained the reason to him, he signed the transfer form, "Deposits are voluntary, withdrawals are free", and he has no reason to stop it.

The time at the end of the year is not particularly busy. Wang Chong finally had a chance to breathe a sigh of relief, and started to prepare for the New Year's goods to go home for the New Year. Especially this year, Ma Xiaoxiao also went back with him. His parents were so happy that they asked Ma Xiaoxiao what he liked to eat for several days and prepared it in advance.

At this time, Zhang Feifan walked in and said, "President Wang, something happened to Tianma Group."

Wang Chong raised his head, "What's wrong?"

Zhang Feifan turned on his mobile phone, checked Moments, and handed it to Wang Chong, "This morning, more than 200 farmer brothers blocked the gate of Tianma Group to ask for salary. Qi Zhongyuan's son Qi Beiwang got married, and because of this incident, the wedding was postponed."

Wang Chong stood up and said, "Go, go and have a look."

Zhang Feifei said: "What is there to see?"

Wang Chong tapped him on the head lightly, "After loan management."

According to the general rules of credit, after the loan is granted, it is necessary to supervise the customer's operation throughout the process. If there is a risk warning, the information must be obtained as soon as possible. Chengdong Sub-branch just issued a loan of more than [-] million yuan, and this happened to Tianma Group. Of course, Wang Chong would not just sit idly by.

At the gate of the Tianma Group building, more than 100 migrant workers gathered and blocked the entire gate, making it difficult for people to get in and out.The reason for this incident of asking for salary is that Tianma Group suspended the payment of several projects. These contractors waited for the money to pay their downstream customers and pay the wages of migrant workers. As a result, they could not get the money and negotiated with the financial manager of Tianma Group. After a few days with no results, in desperation, they had no choice but to organize their engineering team to block the gate of Tianma Group to ask for an explanation.

The so-called asking for an explanation is asking for money.But Qi Zhongyuan issued an order to suspend the payment of these payments. Qi Zhongyuan and Qi Beiwang didn't need to pay attention to these matters, but Zhao Xiaocheng was so busy that he called a few contractors over, "Several, let's Tianma The group is not relying on you, isn't it the end of the year, we have closed the account, can the money be settled after the next year? Just be considerate and considerate of me."

One person said: "Director Zhao, we don't want to do this either. We understand you, but who understands me? Look at these peasant brothers, they have been busy working for our Tianma Group for half a year, and they won't get any money at the end of the year. How do I go home for the New Year? Fortunately, they gave me face, otherwise these people would not be sure if they robbed my house."

Another person said: "Brother Zhao, we also have more than 200 million project funds here. At that time, I took over our project. I was selling everything and borrowing money from loan sharks. These days, they always have three or four people who follow me every day." , Eat with me, sleep with me, I am almost mentally split, you should give me some money, at least let this year pass."

Zhao Xiaocheng had no choice but to ask Qi Zhongyuan's assistant for instructions. The assistant said that he was fishing at the Huxin Pavilion today and saw no outsiders. After hiding like this, he felt calm, but he couldn't do business anymore.

In recent years, the state has issued regulations that cannot default on the wages of migrant workers. At this stall, Tianma Group had such a trouble, and the government office called to ask what was going on. Director Zhao had to evade and say that he was coordinating the payment.

Several police officers were maintaining order to ensure that no violence occurred.However, the migrant workers who blocked the door quit and made a fuss all morning. Seeing that there was no movement from the Tianma Group, they picked up stones and bricks and threw them into the factory. The door was blocked by the police.

Of course, Qi Zhongyuan didn't go fishing. He had already appeared in the municipal government office and asked for assistance from Mayor Li. I disagree. It is suggested to make part of the loan from the bank, and the Bureau of Human Resources and Social Security can provide a guarantee.

The municipal government had no choice but to notify the presidents of the eight banks in Donghua City that had credit to Tianma Group to call for a meeting, asking each bank to grant an additional 1000 million credits to Tianma Group to pay the wages of migrant workers. The loan is guaranteed.All the banks complained that Tianma Group is now heavily in debt, and the current income can barely pay the interest of the bank. Increasing the credit line is tantamount to drinking poison to quench thirst. However, the mayor spoke and the bank refused to listen, so they came up with a compromise. Major banks grant credit to the Bureau of Human Resources and Social Security, and the Bureau of Human Resources and Social Security provides financial support to Tianma Group.

Although this kind of operation is somewhat illegal, it is also a helpless way.All the banks activated the emergency credit green comrades, and by two o'clock in the afternoon, all 8000 million funds had arrived in the account. Under Qi Zhongyuan's instruction, Zhao Xiaocheng only issued a check for 3000 million, and the remaining 5000 million was used as the group's working capital.

When Wang Chong arrived at Tianma Group, the migrant workers blocking the door gradually dispersed, only to find that there were some fellow workers among the crowd.The four major banks, Rural Commercial Bank, Minfeng, and several credit department directors or business presidents of Chinese Commercial Bank all gathered together to chat.

Unlike the three major telecom operators who compete for customers and their relationship is at odds, the banking business is not a zero-sum game, and the relationship between the major banks is relatively harmonious. Moreover, the financial circle is small, and many middle and high-level managers are in each bank. Among them, many of them are former colleagues. They have close contacts on weekdays and often get together to share information and risks.

Wang Chong went over to say hello to a few people. Among them, Liu Shuitian, the president of Minfeng Bank, was originally a colleague of Wang Chong, and he had a good relationship with Wang Chong. When he saw Wang Chong coming, he smiled and said, "I heard that you also danced a few years ago." Into this fire pit?"

Freeman Bank has granted more than one billion credit to Tianma Group, and it has a relatively good understanding of Tianma's overall operation, which is why I asked this question.

Wang Chong smiled wryly, "It's hard to say."

People from several other banks also said: "President Wang, you Donghua Bank are really our white knights."

This is true. Although Donghua Bank is extremely reluctant to intervene in this business, if it does not intervene, Tianma Group defaulted on a debt a few years ago. The bank's entry of more than [-] million yuan can at least help Tianma Group survive for another year, and it can be regarded as extending a helping hand to colleagues.

Both the enterprise and the bank prospered and lost, and after a few words, they quickly became brothers and sisters.Regardless of what to say in the future, let’s talk about this year first. Perhaps next year, when the central bank’s policy is loosened and credit is increased, these companies may have a chance of survival?

Liu Shuitian said: "No matter what, let's talk about this year first."

Liu Shuitian pulled Wang Chong aside, handed him a cigarette, and the two lit it. Liu Shuitian asked, "How is your profit this year? How about the year-end bonus?"

Wang Chong said, "It's not too bad, it's considered to have basically completed the goal, and the year-end distribution is less than 20."

Liu Shuitian was a little envious, "It's much better than our Minfeng Bank. The situation is not good recently, and some of our corporate loans have started to leak out. If there is another problem with Tianma Group, we will probably be laid off. If I knew this, I would have done it back then. Don’t jump to Minfeng anymore.”

Wang Chong has heard that since the second half of last year, the credit quality of Freeman Bank has taken a sharp turn for the worse. They have done more loans to small and micro enterprises. At that time, they were relatively loose. When the economic situation declined, the first to bear the brunt were small and micro enterprise owners. .

Large enterprises can still rely on government relations and bank relations, and can delay a few years by increasing the credit line. Small enterprises are weak in resisting risks, and many enterprises have died in this round of economic cycle adjustment. Small and medium-sized enterprises are all about the amount of annual income and annual profit. Now the bank evaluates a good enterprise as a good enterprise if it can repay the loan interest and pay the workers' wages.

For example, today’s Tianma Group’s riots, thanks to the coordination of funds from the government, otherwise, these downstream companies may not even be able to open their jobs next year, and it is the common people who will suffer and suffer in the end.

Wang Chong asked: "Why, President Liu, do you want to go back to Donghua Bank again?"

Liu Shuitian waved his hand, "I had a bad fight with President Liu back then. I'm not going to bring shame on myself when I go back. I'd better stay here and take one step at a time. Our bank is used to a good life, so we can bear with it for a while. Well, maybe the policy will be adjusted next year.”

Everyone dispersed, and Liu Shuitian also left, going back to organize the report.However, Wang Chong did not leave. He called Zhao Xiaocheng and said, "Director Zhao, we want to visit Chairman Qi."

Zhao Xiaocheng hesitated, "Our chairman is a little busy today."

Wang Chong smiled slightly, "Director Zhao, this kind of thing happened to your company today. We are here to do post-loan management. By the way, we will do a credit rating investigation of your company in our bank. I have heard about Chairman Qi's name for a long time. Please let me know. one time."

Enterprise credit rating is generally a third-party credit rating agency's comprehensive rating of the company's operating conditions, financial conditions, and profitability, as a reference for the banking industry to grant credit to companies. Overall evaluation, the evaluation result directly affects whether the corporate loan can be renewed after the loan expires, whether the principal is compressed, etc.

It stands to reason that Wang Chong is the president of the Chengdong Sub-branch, so Qi Zhongyuan would not have to pay attention to his visit to see Qi Zhongyuan based on his rank, but Qi Zhongyuan had heard about Wang Chong long ago but had never seen him, so he was a little curious about him. Secondly, if Wang Chong is offended, if he downgrades the credit rating of Tianma Group, it will have a negative impact on the next step of the company's operation, so he still received Wang Chong and his party in his office.

"I have long heard that there is a president of Donghua Bank who is young, promising, and vigorous. Today, I saw him and his reputation is well-deserved. I have admired him for a long time!" When Qi Zhongyuan saw Wang Chong and Zhang Feifan coming, he got up and greeted him with a smile.

Wang Chong saw that Qi Zhongyuan was unattractive, not tall, wearing a cotton coat, speaking amiably, without any airs, at first glance he looked the same as the old man in the village, the only difference was that his eyes seemed to be very penetrating, Can see through people at a glance.

Wang Chong cupped his hands, "Old Mr. Qi, please forgive me for Wang Chong's troubles today."

"President Wang, what's the matter? Haha, you Donghua Bank are our gold masters. You come to the humble house. It's too late for us to welcome you. Please sit down!" Zhao Xiaocheng took a seat beside him consciously, boiled water, packed the tea sets, and helped the old man make tea.

Wang Chong thanked him for the tea and looked at Qi Zhongyuan's office.

The office is nearly [-] square meters, and the decoration is antique. The coffee table and tea table are made of old agarwood, exuding a faint fragrance, and it looks like it has been around for a while.The desks and bookcases are all red sandalwood, simple and unsophisticated, without messy carving patterns.

Wang Chong took a sip of tea and said, "The old man is so elegant!"

Qi Zhongyuan laughed and said, "When I was a private teacher, I was expelled in the early 90s and went into business. Although I have been contaminated with a lot of money over the years, there are still some sour literati in my bones. I can't change it, I can't change it!"

Wang Chong raised his head and saw a plaque hanging on the middle wall. It was Cao Cao's "Duan Ge Xing". The characters were six feet square and about eight feet in size when framed. An elegant chapter, with ancient and clumsy fonts, neither regular script nor official script, nor regular script nor official script, the brushwork is round in the square, full of interest and interest, and the mood is unique, which is the big Cuan brushwork among the two Cuan.

Although Wang Chong is not proficient in calligraphy, he has an appreciation ability. He could tell at a glance that the calligraphy was written by Liu Jianguo. He pretended not to know it and said, "This calligraphy is so strange. It looks extremely ugly, but overall it is thick and harmonious. It's really unusual."

Qi Zhongyuan said with a smile, "Speaking of which, I have a predestined relationship with this painting. I went to Hong Kong to discuss business last year. When I saw this painting in the exhibition hall, I couldn't bear it, so I bought it."

Wang Chong remembered that Liu Jianguo had a calligraphy and painting shop in Hong Kong bid 50 yuan before. It seemed to be this song "Duan Ge Xing".

After several people sat down for a while, Qi Zhongyuan introduced the Tianma Group's fortune-making experience, and then described the future strategic plan. He was full of confidence in the prospects of the entire Tianma Group. Wang Chong noticed that Zhao Xiaocheng had a bitter face when he heard this, and he just agreed casually. A few times, more than half an hour passed in the blink of an eye, Assistant Qi Zhongyuan came to remind him that there was a meeting later, Wang Chong got up and said goodbye.

Qi Zhongyuan said: "For the matter of credit rating, you just need to communicate with Director Zhao. If you encounter any difficulties, just come to me." That being said, until he left, Qi Zhongyuan didn't even hand Wang Chong a business card.

Walking out of Tianma Group, Zhang Feifei said: "Tianma Group has nearly 200 billion external debts, diversified investments, lost leading projects, and the construction in progress occupies a lot of funds. In my eyes, it is like a leaking freighter in the sea. It's hard to say if you can't drive to the key point, where does Mr. Qi get the confidence to buy land and start projects next year?"

Wang Chong praised, "In the past half a year, my skills have improved a lot. I can see the essence through the phenomenon. Not bad!"

Zhang Feifei was a little proud, and said: "That's right, don't look at whose apprentice I am."

Wang Chong said, "Then you continue to analyze, why did he continue?"

"He is just giving us a picture so that we can increase our confidence in their group. Moreover, if a company achieves this level, its annual income may not necessarily cover its expenditure. Only by buying land and launching projects can it be financed by the bank. Get more money to keep the business afloat.”

Wang Chong asked: "We don't need to finance them."

Zhang Feifan knew that Wang Chong was deliberately testing him, and analyzed: "Our bank has been kidnapped by the company. If we want the other party to continue to maintain it, we can only continue to increase their credit, otherwise waiting for us will be a large-scale non-performing loan. Banks and companies are finished together! Over the years, they have used our money, and we have lent them their interest. What’s more, if we don’t continue to give them loans, tens of thousands of employees will lose their jobs, will the government agree?”

Wang Chong nodded. Zhang Feifan's progress is obvious to all. His vision is not bad. It is only natural to rate him as advanced. Wang Chong then asked: "Then what should we do?"

Zhang Feifei said: "Tianma Group is like a balloon. The more it blows up, the bigger it will be. One day it will explode when it reaches a critical value. If it were me, I would find a way to deflate it, shut down some unprofitable projects, and sell some. Assets and subsidiaries, looking back at the origin of the real economy, there may still be a fight.”

Wang Chong shook his head, "Your analysis is all right. Why doesn't a boss like Qi Zhongyuan know this truth? But, it's easier said than done. If nothing else, just pack it up and sell it off. The disclosure of the assets is enough to suspend the stock trading of several of their listed companies.”

Zhang Feifan wondered, "Then what should we do?"

Wang Chong sighed, "A dead end."

"Then they just hang on like this and sit and wait for death?"

Wang Chong smiled, but did not answer.This matter is a dead end for the Tianma Group, but it is not the case for Qi Zhongyuan and the group's senior management. Over the years, the Tianma Group has borrowed more than 200 billion from the bank, how much of it can actually be used, I'm afraid only they themselves know clearly.No matter how short of money Tianma Group is, Qi Zhongyuan and the others will not be short of money.

Wang Chong has investigated, and there are three villas under Zhao Xiaocheng's name alone, and countless commercial houses. There are five or six companies under his son's name. He took over the engineering project from Tianma Group and subcontracted it out, earning a lot of money. Man, the money was not all loaned to Tianma Group from the bank.

When he got home, Wang Chong turned on his computer and checked the Hengyuan painting and calligraphy shop in Hong Kong on the Internet. He found that it was only a registered bag company. Some calligraphy and painting works were photographed from several auctions in Donghua City.Wang Chong changed a few key words, only to find out that the legal person of this painting and calligraphy shop is actually the same person as a director of Tianma Group.

Wang Chong was taken aback. Liu Jianguo had made a lot of money by selling calligraphy works over the years, a large part of which came from this calligraphy and painting shop. In other words, the so-called retouching fees were actually secretly funded by Tianma Group.Although there is no conclusive evidence, it can be inferred from some clues that this is basically the case.Unexpectedly, Liu Jianguo, who single-handedly promoted himself, even accepted bribes from Tianma Group in private.No wonder the Tianma Group nominated Liu Jianguo as a director after raising their cards for Donghua Bank, and tried to push Lin Tianhua down through the board of directors election. It turned out that there was such a relationship in it.

Wang Chong knows the seriousness of the matter. If this matter is exposed, the senior management of Donghua Bank will be involved in economic crimes, which will deal a huge blow to the entire Donghua Bank. Enough to plunge Donghua Bank into a quagmire.Wang Chong hesitated, did Lin Tianhua know about this?

Lin Tianhua is in a high position, and he has been very impressed with the suppression of Liu Jianguo's faction recently.After that board meeting, the so-called New Donghua School and Old City Belief School disappeared under Lin Tianhu's strong intervention.Before, Lin Tianhua knew about the existence of these "two factions", and he had never acted. However, once he was allowed to seize the opportunity, it would be Thunder's means.Although Lin Tianhua is strong, his mind is very careful, and he makes decisions before making moves. The recent series of actions made Wang Chong look at him with admiration.

Wang Chong sorted out his thoughts and decided not to tell Lin Tianhua.Firstly, with his status, he is still unable to participate in this kind of struggle. Secondly, this matter is only Wang Chong's speculation, and there is no conclusive evidence. This means to curry favor with Lin Tianhua, or to show his sincerity to Lin Tianhua.

In the last two days before the Spring Festival, there wasn't much to do in the business. Ma Xiaoxiao also worked overtime continuously, and finished writing the content of the next three columns in one go. The two finally had time to hang out. Wang Chong accompanied Ma Xiaoxiao to buy new year's goods , this was the first time she went to Wang Chong's house, and bought a bunch of gifts for Wang Chong's parents, which really cost a lot.

Even so, Ma Xiaoxiao was still a little worried, "Wang Chong, should I buy them some other gifts?"

Wang Chong smiled and said, "I'll take you home, that's the best gift."

Ma Xiaoxiao blushed, and said with a smile, "You have learned to be talkative recently."

Wang Chong laughed loudly, "Should I be sullen and look like a piece of wood, would you like me like this?"

Ma Xiaoxiao said in a low voice: "As long as it's you, no matter what you look like, I like it."