Rebirth of financial migrant workers

Chapter 109 Sister Jun is in danger?
On October 10, the National Day holiday officially ends.

After a seven-day long holiday, people seemed very slack, yawning all the time, and with tears in their eyes.

However, Mr. Chunliang, the quasi-marketing manager of the Sanlimiao branch, locked himself in the office early in the morning and wrote non-stop with a pen and paper, comparable to the busiest social beast.

Two days ago, the Xia family sent a second lady to deal with him specifically about a 3.5 million yuan real estate project loan.

Wang Chunliang was extremely excited about the huge loan and the huge potential bank income. Making a fortune by investing in the shell of a trading company was the main reason why he was so active.

Half an hour later, he checked the calculation process, nodded with satisfaction, picked up the phone and called the second lady.

“Is there something missing in the self-owned funds data at the beginning of the feasibility study report?”

"So, 6000?"

"Cough cough."

"7000?"

"what."

"I understand, do you have any other questions?"

Most people may not be able to understand this conversation, which is like a secret code for underground party connections. An experienced loan officer will never directly explain to the client which report indicators are unreasonable, let alone clearly point out how to modify them.

They will only implicitly guide customers to 'understand' the data the bank wants.

As for the specific reasons for doing this, look at how everyone talks in the officialdom, you can only understand it but cannot explain it in words.

At first, the second lady of the Xia family couldn't understand and was greatly shocked. However, after all, she was a top student at a top Swiss university with a very high IQ. She quickly adapted to Wang Chunliang's riddle-like speaking style and even had a great time playing it. Huh.

Sister Jun in the office had been putting up with Wang Chunliang for a long time. She hadn't seen each other for seven days during the holidays, and she was thinking too much about him. But when she came to the work and found that he just said hello, she devoted herself to writing and calculating. Suddenly I got a little angry.

After Wang Chunliang hung up the phone, Sister Jun walked over quietly, stood behind him and observed for a long time, and finally couldn't help but say:
"Are you measuring the repayment period of real estate project loans?"

Wang Chunliang stopped writing, first briefly introduced Shuanghe Real Estate's loan application, and then took Sister Jun's hand and sat on the sofa:

"If you get the project loan from Shuanghe Real Estate, you can be directly promoted from bank assistant to vice president. In the future, I will be basically stable if I compete for bank assistant."

After hearing this, Sister Jun was stunned for a while and then asked: "Xingzhu? Me?"

Wang Chunliang patted the back of her hand: "Oh, I haven't told you yet. The branch has submitted the list to the head office, and it is estimated that the official document will be issued this week."

Sister Jun felt mixed emotions in her heart for a moment.

I am excited. I have worked in a bank for eight years and as a corporate manager for five years. I have finally made it through and become a 'leader' who needs to go to the banking management center to register;
Feeling disappointed, I originally thought that as my sister, I could take care of my brother Wang Chunliang, but I didn’t expect that in the end, he would take care of me in turn;

Of course, the most touching thing was that in order to protect her, Wang Chunliang did not let her participate in the various exchanges of interests with Vice President Shi.

Even though there were a thousand words in Sister Jun's heart that she couldn't express, she could only stretch out her arms and hug Wang Chunliang in her arms.

Just when Wang Chunliang was almost suffocating from the steamed buns, Sister Jun's cell phone rang, and it was the sound of a text message.

She glanced at the text message, and a smile immediately appeared on her face: "You will go out with me this morning to visit a client."

Wang Chunliang thought for a moment and realized that there was no rush for the project loan. The other party's materials had not yet been submitted, and it would take at least a few months just to apply. Then he nodded and set off in President Liu's car.

With the heating up of real estate and domestic infrastructure construction in recent years, the construction machinery market is booming, and construction machinery manufacturers have become popular in the eyes of major banks.

As the top construction machinery production and sales company in China, Hualian Heavy Industry has become a cash cow in the eyes of banks.

The person Wang Chunliang and Sister Jun are going to visit this time is Shuanghe Hualian Heavy Industry Co., Ltd., a newly established wholly-owned subsidiary of Hualian Heavy Industry in Shuanghe Province. "Construction machinery mortgage loans are an emerging business, and we have prepared line incentives that can be applied for by the head office branch. Moreover, the derived deposits and product indicators generated by this will be very helpful for the assessment of your retail business next year." Sister Jun was sitting in the passenger seat. They happily conducted science popularization for Wang Chunliang.

Wang Chunliang is certainly no stranger to construction machinery mortgage loans.

In his previous life, around 2012, he became one of the first developers of Mule Bank and marketed a number of construction machinery manufacturers and dealers.

It may be that Wang Chunliang's rebirth changed the Wu Chang'e incident, which caused a butterfly effect. Sister Jun actually deviated from the world line and caught up with Hualian Heavy Industry so many years in advance.

Wang Chunliang shook his head secretly, wondering whether Hualian Heavy Industry in 2009 was as chaotic in management, arrogant and difficult to communicate as in his previous life.

The two arrived at the conference room of Shuanghe Hualian Heavy Industry at the agreed time. There were also staff from three other banks present.

Everyone waited for half an hour, but the talent from Hualian Heavy Industry arrived late.

The other party was led by Cai Kuikui, the company's financing manager. He did not show any apology for being late after entering the door. Instead, he held his head high, as if Party A was looking down on humble Party B.

He looked around, and when his eyes passed Sister Jun and several other outstanding-looking female bank managers, he obviously paused for a moment, and then cleared his throat.

"We at Hualian Heavy Industry are one of the top 50 construction machinery manufacturers in the world."

"I'm not going to brag, if we miss a little bit of business to the bank, it will be enough for you to live on for a year."

"Our headquarters in Hunan Province has always been cooperating with Huada Bank. Their service is great, they are always on call, and the materials required to apply for a loan are very few."

"So I hope that all banks in Shuanghe Province can humbly learn from their counterparts in Hunan Province."

The bankers in the audience, including Wang Chunliang, frowned, while Sister Jun held Wang Chunliang's hand to express comfort.

A young bank employee was impatient and interrupted directly: "So, Mr. Cai, there are four banks on site. Which ones will you choose to cooperate?"

Cai Kuikui pointed to the door and said: "We at Hualian Heavy Industry don't need banks that are rude and disrespectful to their customers. Your bank can leave. I hope that the remaining three banks can correct their attitudes, prepare materials, and fully demonstrate their capabilities." Advantages, I will make a decision in a week to choose two banks to cooperate with."

When she returned to the branch after the meeting, Sister Jun saw that Wang Chunliang had little interest in Hualian Heavy Industry, so she called Lu Tao, an employee from the corporate department, to sort out the materials and prepare for marketing.

By the time the PPT was finished, it was already past four in the afternoon. Sister Jun said hello to Wang Chunliang and took Lu Tao to Hualian Heavy Industry again.

Wang Chunliang, who was alone, was not disturbed anymore and was completely immersed in the various evaluation and calculation work of the project loan. Only when he was hungry and panicked did he realize that it was already nine o'clock in the evening.

It was so late, Sister Jun hadn't returned yet, and there was no text message. Wang Chunliang called her worriedly, but no one answered.

Fortunately, Lu Tao is with him, so he is not afraid of the drinking party.

While Wang Chunliang comforted himself, he called Lu Tao again. The phone didn't ring for a few times before the other party answered the call.

"Where are you and Sister Jun?"

"Oh, Mr. Chunliang. The people from Hualian Heavy Industry forced us to stay for dinner because today is my wedding anniversary, so I asked Sister Jun for a leave and left first."

"You left her there alone to have a drink with others?!"

"It's not that serious. Us"

Wang Chunliang stopped a taxi and shouted into his mobile phone: "Send me the hotel address immediately!"

Before he hung up the phone, he heard a text message. It was from Sister Jun.

'I've had a little too much to drink, come and pick me up. '

(End of this chapter)