Rebirth of financial migrant workers

Chapter 100 Please, everyone.

While Wang Chunliang was reading the book Entrepreneurship + Relationship History affectionately, he glanced at Sister Jun next to him and winked at her as hard as he could.

Ah, hello! I cried so much in the car dealership last night, why didn’t I cry when I should cry today?
Fortunately, Sister Jun had a good connection with Wang Chunliang and quickly got his signal.

Then it brews, becomes jealous, and sheds tears, all in one go.

With her support, the two female members of the jury finally couldn't stand it any longer, and they lowered their heads and wiped away tears.

When the two of them cried, the male members of the jury who had a good relationship with them also felt uncomfortable.

Seeing that the atmosphere rendering was basically in place and the reviewers were at 50% progress, Wang Chunliang temporarily closed his notebook.

Mr. Cui sighed softly and said nothing. He just looked at Vice President Shi.

Vice President Shi still had that almost numb calmness. Wang Chunliang's series of performances in front of him made him feel extremely disgusted.

He hated Wang Chunliang's unruly plan, and even more hated Wang Chunliang's repeated contradictory behavior.

After decades of experience in the credit business, his heart has long been invulnerable.

No matter how touching Wang Chunliang could say about Tan Lanqing and Ritong Motor City, the Vice President of Loan Shi had made up his mind not to approve it today.

As for the reason for disapproval, it seems that the previous one, such as Tan Lanqing's full-time mother, can no longer be used, so I will change it to another one.

Vice President Shi, who has the highest say, doesn't think this is a big deal at all. He casually throws dirty water at it, which can directly extinguish all the hopes of the reporter of the small branch.

He took a sip of tea and said casually: "I heard that when Zhu Changyuan was in power, Ritong Auto City sometimes got involved with private lending and private dismantling. Since Manager Wang said that the couple had such a good relationship, , then Tan Lanqing will definitely participate."

Mr. Cui lowered his head and sighed secretly, not to mention that the content of 'I heard' was most likely intentional slander. Even if small businesses do engage in private dismantling, it is commonplace.

But to put this in plain terms, it would be to disclose an irrefutable reason for rejection, and there would be no chance for Nippon Motor City.

Wang Chunliang's eyes widened and he looked very surprised:
"President Shi, are you mistaken? Both Zhu Changyuan and Tan Lanqing are extreme risk avoiders. They have cooperated with our bank for nearly 6 years. In addition to company loans, they have not even applied for housing mortgage loans. Yes. I have visited private lending institutions and their business partners many times and found that they have never participated in private dismantling activities."

Just when Vice President Shi was about to open his mouth and throw dirty water, Wang Chunliang opened the diary again and quickly turned through the pages:

"After all, it's empty talk, but I remember seeing these records in his diary. Wait a minute, I'll look for it."

"Oh, I found it. I'll read it to you."

"January 2009, 1, sunny. This afternoon Mr. Zhou from Best Trading came to ask me for a loan. The interest rate was actually 3 cents. However, Mr. Tan refused the other party. After all, both of us are responsible people. We would not have done it before. I will never participate in this kind of behavior in the future.”

"January 2009, 1, Yin. Today, Mr. Zhou from Best Trading came to see me again. He expressed openly and secretly that if we did not lend to him, a certain bank would set up obstacles for our loan."

"January 2009, 1, Qing. In order to find out who is behind the scenes to control the loans and threaten us, Mr. Tan and I came."

"Stop, stop, stop!" Vice President Shi stood up and tried to snatch the diary. How could Wang Chunliang, No. 9 of the hospital football team, let him succeed? He dodged and then put on a look of doubt.

"Oh, as you all know, I hate this kind of scum who threatens customers very much, so I couldn't help but want to take the diary and read the following." Vice President Shi sat down slowly, hesitated and continued, "I may have made a mistake before. Mr. Tan and the others should have never participated in civil dismantling. Mr. Cui, let's move on to the next question."

Mr. Cui knew that Vice President Shi had given up the leadership of the loan review committee, and the key vote on whether the loan could be approved was back in his hands.

But it was really difficult for him to make a decision. Regardless of past conventional practices or simple predictions, it was not a wise choice to continue to add loans when the company changed its helm.

He looked at Wang Chunliang and made some concessions: "Xiao Wang, how about maintaining the quota of 1000 million? We won't take out loans, but the risk of adding 2000 million is still too great."

Wang Chunliang: "Mr. Cui, I have something to say about risks.

We and Huaxin Bank plan to swap out 1000 million loans from the other three banks with an amount of 3000 million each. This will spread the time and risk.

In addition, the loan guarantee method of the other three banks is a 2000 million real estate mortgage plus a 1000 million provincial guarantee company guarantee. The collateral full value guarantee company is strong.

Taking a step back, even if the loan is overdue, it will not be difficult for us to recover it. "

Except for Vice President Shi, who was "paralyzed and exited," the other six committee members present had their arms folded and their brows furrowed.

Although they have been more or less convinced by Wang Chunliang, the committee members still have a lot of emotions.

They feel that as a reviewer, it is the essence of the credit business to proceed from the interests of all, and Wang Chunliang's non-mainstream approach is standard and treacherous.

New loans can alleviate the customer's crisis, but it will not be of much benefit to Mule Bank, so why do it?

They all said "but" in unison, but were immediately interrupted by Wang Chunliang. He raised his right index finger and said softly:

"I will tell you a story. The little girl in the story lost her parents when she was young, but grew up healthily under the careful care of her adoptive parents.

She lived up to her adoptive parents' expectations and was admitted to a well-known Japanese university with outstanding results.

While studying in Japan, she met the second princess of the Ritsuo Group and the little princess of the Fengtian Group, and the three of them established a deep friendship.

After completing her studies and returning to China, she and her husband co-founded a group company. Through the hard work of the two, they finally reached the standards required by Risho and Fengtian agents.

Unfortunately, her husband died suddenly of illness, leaving her alone to support the huge group. Faced with bank loan withdrawals and other practices that made matters worse, she struggled to support the company, and the two major agency authorizations were suspended indefinitely. "

Wang Chunliang paused and looked at Mr. Cui: "Mr. Cui, I always remember the two famous sayings you once said in class, 'Don't over-lend to customers, as that will only harm the other party.' To businesses that really need it'.

Therefore, because the other parties will please us, we at Mule Bank continue to issue loans to companies that no longer need loans at all, allowing them to lend them to others at high interest rates; we are still operating as we do at Nitong Motor City, but due to an accident When they are in urgent need of funds to tide over difficulties, provide them with loans to help them?
Seven distinguished reviewers, you represent the highest authority in credit approval of Hedong Branch. I believe that you will give me, a newcomer to credit, the most correct example. "

Wang Chunliang bowed deeply and finally said:
"Please, everyone."

　Thank you @VV for rejecting the reward!
　　
　
(End of this chapter)