Rebirth of financial migrant workers

Chapter 114 Getting reckless again

The week after the National Day holiday is long and tiring, with hard-working migrant workers running around trying to make ends meet.

But Cai Kuikui was an exception. He claimed that his hand was broken and he lay comfortably at home to recuperate. He did not stagger back to the company until his lip swelling was completely subsided.

But before he could warm up the bench, he was called to the office by Min Xinhai, the general manager of Shuanghe Hualian Heavy Industry.

The reason why Min Xinhai is so anxious is because the head office of Huada Bank was raided by the Banking Regulatory Center in the past two days, and a series of revelations were made, such as failure to visit and sign in person, incomplete mortgage procedures for construction machinery, and lending first and then mortgaging. problem, and was eventually ordered to suspend all construction machinery mortgage loans.

Huada Bank cut off the loan, and it did not have a complete financial leasing business like Sanni Engineering Machinery Company to make up for it, causing Hualian Heavy Industry's entire sales business to directly enter a state of semi-paralysis.

Min Xinhai paced back and forth in the room. He asked in a bad tone: "Now we can no longer count on Huada Bank at the headquarters. How is the mortgage cooperation I asked you to negotiate with the local bank going?"

“Still talking”

Min Xinhai picked up the folder on the table and threw it directly, hitting Cai Kuikui's right hand that was in plaster, causing him to grimace in pain.

"Now the salespersons are being dragged away from signing orders, and many customers have been poached by Shuanghe Sanni. Your financing department has corrected my attitude, and I must find a new cooperative bank within today. The five major banks and joint-stock banks All of their headquarters are in the Imperial Capital or Shanghai. Only the Mule Bank in Shuanghe Province has its headquarters in Hedong City. You should choose this one to negotiate with!"

Cai Kuikui touched his lips and showed a flattering smile: "Mr. Min, don't worry. Mule Bank just owes me a favor. I will go find them now."

It is said that the mortgage cooperation is carried out with the head office, but in fact the business has to be implemented in the branches.

Cai Kuikui screened and finally selected the special branch Gumiao Branch located on the first and second floors of Mule Bank's head office building.

When he entered the bank lobby and was asked about his identity and revealed that he represented Hualian Heavy Industry, Cai Kuikui felt that the eyes of the Mule Bank employees around him suddenly became unfriendly, and the beautiful little girl who had warmly received him seemed to have suddenly arrived. Auntie, her face was scary and ugly.

Confused, he took four younger guys from the financing department and found Sun Cha, the corporate manager in charge of the industry.

Since the former retail department manager took maternity leave, Sun Cha temporarily took over the daily management of the branch's retail department. She led everyone to the conference room.

Although her appearance and figure are far inferior to Sister Jun, they are both above average. Cai Kuikui, who was following her, peeked at her all the way, and even had a plan for dinner, drinking and hotel accommodation in his mind. .

After Sun Cha asked clearly about the purpose of the group's visit, he thought for ten seconds, then said "Please wait a moment" and left the conference room.

She returned to the office and closed the door, picked up her cell phone and called the branch president who was visiting customers outside.

"President Li, Hualian Heavy Industry wants to cooperate with our Gumiao Branch on construction machinery mortgages."

"This is a great thing. You quickly signed the letter of intent for cooperation."

"But people in the industry are saying that Hualian Heavy Industry has a very bad reputation. I'm afraid that the account managers who handle the business will be resistant."

"What kind of reputation? Are they overdue or are they loan fraud?"

"No, it's the salesmen of Hualian Heavy Industry who often bully female bank employees." "That's it? Then you won't arrange for male account managers to interact with them? What's more, we are in marketing, shouldn't we be used to this kind of thing? , as long as it can bring profits to the branch, what’s the matter with personally suffering a little loss!”

"Okay, I'm going to ask them to collect materials and rush to the seven-person loan review meeting at the head office tomorrow."

Monday morning, October 10th.

The head office will hold a seven-person loan review meeting in the multimedia conference hall on the 14th floor.

The application for a construction machinery mortgage loan limit is an indirect limit. According to the credit authority, it should be approved by the five-member meeting of the head office.

However, considering that this is an emerging business, the credit department of the head office specifically raised the level of authority and changed it to a seven-person loan review committee for approval.

In this way, Wang Chunliang, Sister Jun and the soy sauced Manager Liu arrived outside the conference hall in advance to prepare for the Shuanghe Sanni Construction Machinery Mortgage Loan meeting.

Xiao Zuowen continued to show off his power in the past few days, and the branch's retail department quietly withdrew the punishment against him. This allowed Wang Chunliang, who was originally unable to attend the meeting due to suspension, to enter the scene as the chief investigator to face the committee members again.

Sister Jun and President Liu who were traveling with them were also extremely relaxed after entering the venue, because the business that Sanlimiao Branch applied for this time was promoted by Vice President Gao of the head office, and they could simply pass it with their eyes closed.

Sure enough, at the beginning of the meeting, after Sister Jun introduced the basic situation of Sanni Company, the number one construction machinery company in Huaguo, with her pleasant voice, Vice President Gao nodded with satisfaction and said, "That's it." '.

But when the committee members were happily preparing to score and pass, Wang Chunliang, who was sitting in the speaker's seat, raised his hand:
"President Gao, I have a question."

Vice President Zhang, who was sitting in the audience, almost laughed out loud. He knew that this kid had deliberately called him to participate in the meeting. Vice President Gao, who had stood up to go out for a smoke, had no choice but to sit back in his seat.

Wang Chunliang looked at Vice President Gao and asked in a neither humble nor condescending manner: "Excuse me, President Gao, is our bank promoting the construction machinery mortgage loan business just to shout slogans or to achieve results?"

Not only did Vice President Gao frown this time, Vice President Zhang, who is in charge of retail business (construction machinery loans are classified as personal operating loans and belong to retail business) also widened his eyes. He asked on behalf of Vice President Gao: "You Isn’t this nonsense? If you don’t consider performance, then why promote it?”

"However, our bank's current management measures for construction machinery mortgage loans have restricted the development of business." Wang Chunliang once again made a surprising statement.

The other judges present shook their heads and pointed at Wang Chunliang.

Just kidding, a small branch employee dared to question the plan led by the vice president of the head office and jointly studied by multiple departments.

Faced with the pressure from the committee members opposite, Wang Chunliang rubbed the sweat from his palms and gritted his teeth secretly.

He knew very well that in his previous life, the reason why Mule Bank was not able to successfully carry out construction machinery mortgage loan business until 2012 was because of unreasonable loan management methods.

Now it is rare that the two vice presidents in charge of related businesses are present, and they have such a big piece of meat as Shuanghe Sanni Company in their hands.

In order to be able to carry out business smoothly, he could only bite the bullet and continue to act recklessly.

(End of this chapter)