Rebirth of financial migrant workers

Chapter 1 The first sword of rebirth, kill Gou Xiaoren first

Wang Chunliang is an account manager.

He lived up to his parents' expectations of being named "Chunliang". Even though he had been in the financial circle for many years, he remained simple, honest, honest and honest.

He works conscientiously, works hard without complaining, does his duty, never asks for credit, and contributes steadily.

So he has worked at Mule Private Bank for nine years and is still the lowest-level account manager.

At this moment, in front of the sink outside the bathroom of the Monopoly Club.

Wang Chunliang was constantly slapping his face with cold water, trying to drive away the drunkenness.

That night, he had two drinking games in a row, and was dragged by the fathers of the sponsors to play drinking dice at the KTV. It was really difficult for him, who could only drink a few ounces.

Mr. Zhu, one of the sponsor's fathers, happened to be passing by with his female secretary. He looked around for a long time before he recognized who the rookie was making face next to the toilet. Then he patted the rookie on the shoulder and said, "Chunliang, You still need to practice your drinking ability. Look at my brother, I can’t even feel it after two pounds of alcohol."

Wang Chunliang raised his thumb and forced a smile: "That's necessary, Mr. Zhu Hailiang, I still have to learn from you."

"Hahaha~" Mr. Zhu patted Wang Chunliang again and continued, "It's getting late. It will be over in a while. You go back to sleep and wake up."

"Okay. Mr. Zhu, the day after tomorrow is the end of the month. You have to help me with the 900 million deposit task!"

"Ah? What are you talking about? Oops, I drank too much." After saying that, Mr. Zhu leaned on the secretary next to him and became unconscious, and then he was helped back to the private room.

Wang Chunliang has long been used to it, these cunning bosses are like this.

When eating, drinking and having fun, she kept saying "I'll take care of it", but when it came to the task of depositing money at the end of the month, she said "I'm sorry, I drank too much, so I can't hear you".

He took out his mobile phone and checked the time. It was only 11:, which was not too late. He said hello to the sponsors in the box who were discussing where to play next, then picked up the eDonkey key and left the tycoon.

Riding the scarred electric donkey, Wang Chunliang did not go home, but went straight to the office.

Because he received a text message from the sub-branch president ten minutes ago, with a total of ten words, 'Apply for a pig feed loan tomorrow morning'.

The word count is very short and the amount of information is quite large.

'Tomorrow morning' is not 'tomorrow morning', which means that the time is limited to the time when you first go to work tomorrow.

'Report' rather than 'prepare' means that credit ratings, loan calculations, and investigation reports must be completed in advance according to reporting standards.

So the full meaning of these ten words is, 'After you have finished your social activities tonight, hurry back and work overtime, and finish writing the investigation report and so on. When I come to the work tomorrow morning, I will see all the submitted materials for this loan.'

Faced with such excessive demands, Wang Chun's conscience did not waver.

Overtime work has been the norm for the past nine years. The only difference is whether it is until 10 or 11 o'clock in the evening or two or three o'clock in the morning the next day.

He doesn't know if working so hard can bring about any progress in his career. The only thing he knows is that if he doesn't do this, the president will be very angry and the consequences will be serious.

Therefore, he has no choice but to repeat the numb process of going to work, socializing, and working overtime like a machine every day.

It was already 12: at night when he arrived at the office. Wang Chunliang ate two packets of Nestlé, then immediately turned on the computer and started coding.

He was in good condition tonight and completed the investigation report and loan amount calculation in less than three hours.

After checking it again, he printed out the report, neatly bound it together with copies of the borrower's certificates, statements and other materials, and placed it on the president's desk.

At this time, a copy of the "Branch Responsibility Determination of Pegasus Machinery's Non-Performing Loans" pressed under the president's computer keyboard caught his attention.

The content of this responsibility determination stamped with the official seal is very simple. The branch believes that the account manager Wang Chunliang should be primarily responsible for the non-performing loans of Pegasus Machinery and bear all penalties, and the branch is requested to agree.

After reading it, Wang Chunliang felt that his blood pressure had soared and he had difficulty breathing.

He was neither the chief investigator (account manager) when the loan was reported, nor the examiner (branch manager) and approver (branch president). He was just an insignificant co-investigator. According to relevant regulations At most, you should only have minimal liability if something goes wrong with the loan.

So now, how can I, Dehe, shoulder such a huge responsibility for the other three people?
In addition, he clearly remembered that a few months before the loan was overdue, he repeatedly reminded the president that during post-loan inspections, he found that Pegasus Machinery’s total external guarantees had grown too fast and posed great risks.

But at that time, the president repeatedly emphasized that it didn't matter, nothing would happen, and if anything happened, it would be all up to him.

Now that something happened, instead of taking responsibility, he shifted all the blame to Wang Chunliang.

Wang Chunliang only wished that he had not recorded these words so that the branch could appreciate the president's ugly expression.

Honest people often choose to swallow their anger and deal with it coldly when they encounter unfair treatment. They will cut off five cities today and ten cities tomorrow. Gradually, they will form the habit of suppressing their anger. However, when the anger accumulates beyond a certain threshold, it will explode more violently than ordinary people. .

Just because you usually work hard without complaining, do you have to do the most work in the industry?
Just because you usually swallow your anger, you have to take the biggest blame in the industry?
In the past nine years, I had worked day and night, with no time to rest or even go on a blind date. In the end, I was abandoned by the branch like a pawn.

Tired, destroy it.

After Wang Chunliang took a photo with his mobile phone, he tore the "responsibility identification" into pieces with an expressionless face and threw it into the trash can together with the loan materials.

He found the electronic version of the scanned copy of the third-level approval form saved in the system, packaged it together with the photo just now, and sent it to the office mailboxes of the president of the head office and the CEO of the compliance department.

After doing all this, Wang Chunliang looked at the time. There were less than three hours before he went to work at dawn to settle the matter with the banker in person.

He calmed down, but soon he felt sleepy and fell down on the president's luxurious boss chair.

Blue Star Flower Country.

Early spring in March.

The weather is cold.

The passers-by wandering around the campus have not yet taken off their winter clothes and are hunching their necks habitually.

In the conference hall No. 3 of Shaw Building on the east side,
In full swing.

The middle-aged people sitting on the podium in the first row had serious expressions. Their sparse hair and stocky bodies clearly showed that their identities were not simple.

The few rows of auditoriums at the back were filled with students.

The school girls were chattering, but they were afraid of leaving a bad impression on the leaders in the front row, so they had to lower their voices.

"Senior Brother Wang on the stage is a bit handsome, but there seems to be something wrong with his brain."

"Yes, I heard that his undergraduate degree was not in economics and management but in mathematics. He is the kind of mathematics student who can stare at the alarm clock for an hour!"

"I feel like he is preparing to do a robot dance. Look at his posture, it's such a standard starting position."

In front of the podium.

A person stands.

Like a clown.

Because he was holding the USB flash drive and motionless like a puppet.

This clown, oh, no, this person is Wang Chunliang.

He had been in a daze for a while. He had been sleeping on the president's chair just now, so why did he open his eyes and find himself in a strange hall surrounded by hundreds of people?

He didn't dare to take a breath, and looked around slightly with his eyes. He felt that the situation was a bit familiar. He raised his head slightly and looked at the banner hanging in front of him. It read, '2009 06-level master's student of Shuanghe University School of Economics and Management. Pre-Graduation Defense'. 2009, ten years ago?
Wang Chun's conscience trembled, and he felt that he must be dreaming, and what he dreamed about was the scene of his master's degree pre-defense.

At that time, the Shuanghe Provincial Banking Management Center cooperated with Shuanghe University to jointly establish a bank data center, and there was an urgent need to introduce a professional talent.

Wang Chunliang, who is studying in his third year of graduate school in econometrics, ranks among the best in his professional courses and is proficient in programming and data analysis. He was recommended to the Banking Management Center as one of the candidates by the school.

After that, the school also specially arranged a pre-defense for the master's thesis of the School of Economics and Management, and invited the leaders of the Provincial Banking Management Center to participate in the review and assessment to determine the final candidates.

Everything should have gone smoothly, but when he opened the thesis PPT in the USB flash drive at the pre-defense site, he found that the content of the thesis had been replaced by nude photos by someone unknown.

The two protagonists of the nude photos were the male professor and the female student of the college. The large scale brought a huge psychological and visual impact to the leaders and students present.

Wang Chunliang became the laughing stock of the whole school because of this incident. His mentor, Dean Bai of the School of Economics and Management, also suffered from a heart attack at the scene and retired early.

Recalling this point, Wang Chunliang took a deep breath and rubbed his slightly painful heart. Only then did he realize that the USB flash drive in his hand had not been inserted into the computer. It turned out that all this had not happened in the dream.

"Does your USB flash drive need a special wake-up ritual before use? Start as soon as you're ready!" Dean Bai, who was fat and white, thought the student was holding the USB flash drive in his chest and praying, and immediately urged him angrily.

Wang Chunliang didn't reply. At this moment, his attention was completely attracted by the wrinkles on the other person's face due to anger. He couldn't help but secretly marveled at the quality of this dream. The pictures were all in 4K, and the interaction between the fat face and wrinkles was so real. .
However, the details of this feedback are too real. Could it be that this is not a dream?
He quickly pinched his thigh hard.

Tear, it hurts!

That's right, it's really not a dream, it may be the legendary rebirth.

So after being furious that night before his rebirth, he didn't wait for the showdown with the president, but instead sent himself away because of his excitement, drinking and overwork?
But now it was too late to think too much, so he decided to deal with the current defense first.

Wang Chunliang glanced at the title of the paper, which was unchanged from before his rebirth. It was still about the quality of bank credit assets.

But at this time, he was no longer the student who lacked practice and could only talk on paper.

The experience of being assigned to the risk department of the head office numerous times to conduct credit asset quality analysis for the whole bank gave him a deeper understanding of the research content of the thesis that year, and he was able to pick up various ready-made cases at his fingertips.

He picked up the paper handout, briefly glanced at the titles of the major chapters, and then began to explain.

People are most likely to get distracted when discussing fields they are familiar with. After Wang Chunliang briefly introduced the main structure of the paper, he directly dropped the handout and informed the reviewers: "Everyone, please pay attention. Kaile, an analyst at Ugly Silicon Valley Bank, published the first article in 2018. Papers published in three issues of the Quarterly Journal of Economics directly confirmed that Chapter of my paper is the focus of future bank credit asset quality inspections, and Chapter is the difficulty of supervision.
"Of course, in the fifth part of my paper, it is more appropriate to use data envelopment analysis when measuring bank productivity."

Eight minutes later, Wang Chunliang finished explaining.

The leaders in the audience were a little silent. For a while, it was unclear whether the students on the stage were defending or experts were giving lectures.

Only one teacher who was observing whispered, "What the hell is 2018?"

Principal Huang, who was sitting in the C position of the rostrum, was the first to break the silence and said to Director Geng of the Provincial Bank Management Center on the right: "Mr. Geng, how about you give guidance to the students first?"

Director Geng smiled and waved his hand, winking secretly to the side, and said: "This time I brought researcher Gou from the research center. His research direction happens to be the same as that of Mr. Wang. Let's hear his thoughts on this paper. Have any questions to ask.”

After receiving the order, Researcher Gou first bowed slightly to show respect to the leaders present, and then stared at Wang Chunliang with a playful expression, like a butcher sizing up a lamb to be slaughtered.

Unlike before his rebirth, when he was deeply involved in the pornographic photo incident and had no time to take care of it, now Wang Chunliang is calm and composed after solving the crisis in advance, so he keenly captures these small actions.

According to the plot before rebirth, the person named Gou will ask a series of questions to make things difficult for Wang Chunliang. Combined with the malice released by those small actions just now, Wang Chunliang has a hint of conspiracy.

He met the other party's gaze, ready to show off his tactics.

Researcher Gou smiled and spoke first: "The model building and argumentation process of this paper are very exciting, which reflects the excellent teaching level and good student quality of Shuanghe University. But I have a question here, how did you obtain it? These private bank data?”

Wang Chunliang: "Part of it is taken from the statistical yearbook and related documents, and part of it is obtained from field research on banks such as Mule in the province."

Mr. Gou had a hard time seeing: "Then here's the problem. With our many years of experience in supervising banks, there is a question mark over the authenticity and accuracy of the data disclosed by private banks. For example, your paper mentioned the credit performance of Mule Bank at the end of 2008. The non-performing asset ratio is 1.6%, but including loans that are overdue for more than 90 days but are not marked as non-performing by the system due to various human reasons, the bank's real non-performing ratio has actually reached 4.5%. From this point of view, the loans you collected The data may not be so 'real', and the modeling and demonstration process based on this may have problems. Haha~"

Sure enough, the problem is still there.

Without presenting any credentials, he directly declared that the data was incorrect in his supervisory capacity.

At that time, Wang Chunliang was like most innocent students. When faced with doubts from people with more "authoritative" identities, he would first doubt and deny himself according to the opponent's rhythm, and finally fell into the trap that Mr. Gou had set long ago.

It was not until many years later that he discovered that the problem itself had many loopholes.

However, Wang Chunliang was not in a hurry to refute at this moment. The status of the two was extremely unequal. If he argued with reason without using strategy, he might even be labeled as having no teacher if he spoke too fiercely, let alone when he was pursuing a victory. There will definitely be a group of losers addicted to flattery who will jump out and stop it.

If you are reborn once and come back to this moment, you can only passively defend yourself. Wouldn't it be embarrassing for the reborn person?
At this time, we need a big boss on our side to stand up and bring both parties to the debate back to an equal footing. At the same time, we need to intimidate Xiaoxiao to ensure that he can do his best without being disturbed.

So Wang Chunliang looked at his teacher, Dean Bai, with an expectant look on his face.

Dean Bai is indeed trustworthy. He stood up as soon as he received the student's signal for help.

He tapped his index finger on the table: "I've read the data and it's not a big problem. Let's move on to the next question."

In one sentence, he performed a live performance of the methods commonly used by big guys when facing doubts:

Argue with reason and evidence
Directly ignore and enter a topic√
Wang Chunliang felt grateful to the teacher who supported him and attracted firepower, but he definitely couldn't let this issue go by just like that.

He unplugged the projector cable, then typed on the keyboard to search for something on Baidu, and said to Mr. Gou: "Mule Private Bank is not a listed company, so it does not need to disclose operating indicators to the outside world, and there is no mandatory audit of its annual and quarterly financial statements. Mr. Gou should have doubts about the authenticity of his unaudited internal statements. However, in January this year, due to the need for registration of private equity companies, its subsidiary Mule Investment invited Yingguopudao Accounting Firm, one of the Big Four, to conduct a financial audit. . And the audited statement of this subsidiary happened to disclose that the non-performing credit asset ratio of its parent company Mule Private Bank in 1 was 2008%. I would like to ask Researcher Gou, how authentic is the audited statement released by Pudao?"

Mr. Gou disagreed: "Young people should not be too superstitious about the data collected abroad. Foreign offices do not understand the national conditions of the country. Now that I have told you the real data, you are still talking about it and don't regret it."

Wang Chunliang reconnected the projector to his laptop, then pointed at the big screen and said: "According to the school's requirements, there is no need to list references in the pre-defense handouts. Please note that in my paper, the standards for approval of bank non-performing assets and some data refer to this The article "Research on Credit Assets of Shuanghe Provincial Banks". It was published on the official website of the Banking Management Center last month. The author is Mr. Gou. You should still have an impression, right? Let me briefly introduce this article to you. The purpose of the full text In the analysis, the Banking Regulatory Center has effectively controlled and reduced the scale of non-performing assets of many banks in the province through various tasks over the years, and the empirical part listed the non-performing credit asset ratio of Mule Private Bank in 2008 five times."

He paused for a moment, took screenshots of these five data parts and marked them in red.

"Hey, Mr. Gou, please tell me why the data you used in this article is 1.6%, instead of the 'real defective rate' of 4.5% just mentioned."

"Ah this."

Wang Chunliang once again switched the projector screen to the award-winning resume interface of Mr. Gou on the official website, and then said sincerely: "Student, I have always admired Mr. Gou. You also won the honor of the 2008 Flower Country Outstanding Researcher earlier this year. But student, I have One question is that one of the conditions for this award requires that the non-performing rate of all banking institutions within the jurisdiction of the unit to which it belongs should not exceed 3% in the previous year. If according to what Mr. Gou said before, the real non-performing rate of Mule Private Bank in 2008 was 4.5%, this is obviously That’s too much, how about I send a letter to ask the jury to answer my questions?”

On the rostrum, Researcher Gou was stunned by Wang Chunliang's little mouth that looked like it had been smeared with chili oil. He opened his mouth, but he didn't say a word for a long time. His little face turned red from suppressing it, so he asked the boss, Director Geng. He cast a look of help.

Director Geng turned a blind eye to this and still maintained an indifferent attitude.

"Okay, the topic has gone too far. Xiao Wang, please continue to introduce the logic of data processing in the model." Principal Huang stepped forward to end the topic.

After that, the questions asked by each reviewer were very friendly. Wang Chunliang not only explained the theoretical basis, but also demonstrated the practical operation cases of many banks.

Of course, it would be more convincing if he could stop popping up future time words like '2017' and '2018' from time to time.

After finishing his defense, Wang Chunliang stood on the stage and felt that the big rock that had been weighing on his heart for ten years was finally overturned, and he suddenly felt relieved.

At this point in his rebirth, he not only successfully avoided the outbreak of the scandal of being framed, but also killed the clown who had stabbed him back then, and his lost self-confidence was gradually regained.

In a new life, I definitely can no longer be as submissive as in my previous life and forcefully live in the shape of others.

As long as it is based on the experience of the previous life and coincides with the Internet economy, the real estate boom and the four bowls, it will take off.

The corners of Wang Chunliang's mouth became wider and wider involuntarily, like a victorious general reviewing his troops on the stage.

(End of this chapter)