Rebirth of financial migrant workers

Chapter 116 I just hit a stranger
Compared with other branches, Gumiao Branch has a unique geographical advantage. It is located on the first and second floors of the head office building.

Therefore, every time he attended the loan review meeting at the head office, Sun Cha could sit in the branch office, wait for the phone call from the secretary of the loan review meeting, and then take the elevator upstairs.

The air humidifier had already spit out water vapor for three or four rounds. Sun Cha looked at the time and was slightly surprised.

More than forty minutes have passed, and the loan from Sanlimiao Branch has not yet been completed, which makes Sun Cha feel a little anxious.

It wasn't that she was in a hurry to attend the meeting, but that she was really annoyed by Cai Kuikui sitting in front of her.

This person invited the Gumiao branch to dinner last night. Although Sun Cha brought three male account managers, he still couldn't withstand the bombardment of eight or nine people from the other party, and they were all drunk.

Fortunately, Sun Cha had rich experience. Before the dinner, he told his team to keep an eye on Cai Kuikui and toast him, causing him to fall earlier than himself, thus avoiding Sister Jun's crisis that night.

But who would have thought that Cai Kuikui would not give up until he took advantage. Today he came to Sun Cha's office in the name of paying attention to the progress of the loan, and said that he would treat her to a dinner alone in the evening to wish the success of the cooperation.

In addition, when he was delivering materials, he touched his little hands and rubbed his butt intentionally or unintentionally. Sun Cha had imagined a hundred times in his mind that he would raise the materials in his hand and hit the other party on the head.

But when he thought that President Li valued this customer very much, and that he would have to rely on President Li's help if he was to be promoted at the end of the year, Sun Cha was immediately discouraged.

Alas, I can only hope that a righteous banker will descend from the sky and severely punish these disgusting Hualian Heavy Workers.

At this time, in the conference room on the 14th floor of the head office.

Wang Chunliang: "President Gao, I have another question about Hualian Heavy Industry."

Vice President Zhang looked serious, but actually he was roaring in his heart.

Sure enough, here it comes!
I knew that this brat didn't talk to Lao Gao about hitting someone first, so he must be holding back his bad intentions.

Look, let’s get to the point now!
Let me guess his motivation for this arrangement. He spent forty minutes to familiarize the committee members with himself, and through a series of business discussions, he established the impression that "he understands this industry very well" to the committee members.

By throwing out such a major bait as Sanni Company, Lao Gao can ask for something from him, and then easily admit his mistakes and ask for forgiveness?

Vice President Zhang shook his head, feeling that this was not Wang Chunliang's style of doing things.

Vice President Gao put the Yellow Crane Tower he had just taken out back into his pocket, sat back down and gave a continue gesture.

Wang Chunliang calmed his throat: "Just now, the committee members have recognized that the key risks in the construction machinery mortgage loan business lie in dealers and manufacturers, so let me talk about the company Hualian Heavy Industry.

I learned a lot about the deeds of Hualian Heavy Industry from the mouths of people related to Sanni Company and Huada Bank. This company is famous in the industry for not being particular about things. For example, the main reason why Huada Bank was punished by the Banking Regulatory Center this time was that the account manager failed to visit and sign in person when signing the contract. As we all know, the inspection team of the Banking Regulatory Center would not have been able to detect it without a personal visit and signature. The reason why it was exposed was because hundreds of contract signatures were signed in the same handwriting. After investigation, the same Hualian Heavy Industry salesperson signed on behalf of the customer. .

Huada Bank gave Hualian Heavy Industry great trust and remotely authorized their business personnel to bring the bank loan contract to the customer for signature, but in the end they ended up like this. "

Vice President Gao frowned and asked, "If we ensure that the account managers visit and sign every transaction in person when we cooperate with them, wouldn't there be no problem?"

"President Gao, the problem is obviously not just a few sales staff, it must be that this kind of culture has been formed in their company. Even with banks that have long-term cooperation and good relationships, they can confuse and deceive. Liar. No matter how meticulous we are in our business, we still won’t be able to prevent it when the time comes!"

Vice President Gao's brows furrowed even more tightly. After all, he was the leader in promoting construction machinery mortgage loans, and all the operating pressure was on him. It was a bit unwilling to deny a potential major customer like this.

He approached Vice President Zhang and suggested in a low voice: "How about we try to cooperate with them first? If the other party doesn't abide by the rules, we will withdraw?"

Vice President Zhang didn't want to refute the other party's face directly, so he raised his head and gave Wang Chunliang a wink.

After receiving the signal, Wang Chunliang was ready to take another dose of strong medicine. He took out the 2007 audit report of Hualian Heavy Industry and pointed to the report details to explain to Vice President Gao:
"Every leader must know that the bank deposit for construction machinery mortgage business will be included in the company's monetary fund account. By observing the details of this account, we can infer the company's main cooperative banks. After comparison, I found that Hualian Heavy Industry's 2007 report compared with In 2006, one major cooperative bank was missing - Hunan Science and Technology Bank.

I got an idea through interviews and investigations. It is said that in 2006, a large-scale fraudulent loan incident occurred at Hunan Science and Technology Bank. Hualian Heavy Industry's sales and financial personnel colluded, used false identities to borrow money, and then used refurbished machinery as a loan facility. purchase.

Of course, this matter has not been exposed, and the Banking Regulatory Center has not notified it, so I have no substantial evidence. However, from the official website of Hunan Science and Technology Bank, it can be found that at the end of 2006, it was rumored that the relevant branches and sub-branch presidents were indeed involved in the construction machinery mortgage business. Suspended”

The two sensitive words "loan fraud" and "suspended" immediately made Vice President Gao think a lot more seriously. That's all. Doing less business would not look good on face at most, but if there is a major risk, the blame will fall on him. .

At this moment, the balance in Vice President Gao's mind was already leaning towards rejecting Hualian Heavy Industry.

Zhuge Yue interrupted and asked, "I understand everything else, but didn't your Sanlimiao branch report the mortgage amount of Shuanghe Sanni? Why are you discussing Hualian Heavy Industry here?"

Wang Chunliang: "There are two reasons. First, Liang Xu from Sanni wanted our bank to sign an exclusive agreement and refuse to start a contract with Hualian Heavy Industry. The reason was that he was worried that our bank's account manager would be contaminated by Hualian Heavy Industry's bad habits, and thus Affect the development of business with Sanni."

Vice President Gao, who was already inclined to refuse in his heart, responded decisively: "Since Sanni has said so, then let's give up Hualian Heavy Industry completely, but there is no need to sign the exclusive agreement. That is illegal."

"As for the second reason, didn't someone beat Cai Kuikui of Hualian Heavy Industry before? That person was me." Wang Chunliang added shyly.

Vice President Gao touched his head and finally turned around:
"Good guy, is this all just to turn 'beating a potential big customer' into 'beating a stranger'?"

Vice President Zhang finally couldn't hold it in anymore and laughed out loud.

(End of this chapter)