Rebirth of financial migrant workers

Chapter 138 The first round of quarrel

"How about we contact Shuanghe Real Estate to see if they can cooperate with local branches in group purchasing on projects in other cities?" Sister Jun reminded on the phone.

"It's too late, but the problem is not big. Now the two sides are basically equal. Employees of the remaining 10 branches will still vote based on the trend of the loan review meeting." Wang Chunliang switched to the bank's operating system webpage, checked the latest loan ratio, and continued , "Sister Jun, please invest another 2000 million in the mortgage loans in our hands now."

At this time, Zhuge Yue, who was sitting on the review committee, announced that the loan review meeting had entered the second stage, and Wang Chunliang had to hang up the phone first.

According to the order of the introduction in the first session, Chenghuang Branch was still the first to be asked questions.

Vice President Gao first raised a tricky question regarding Hengda's financial situation, and everyone at the Chenghuang Branch discussed it for a long time and finally managed to deal with it.

Subsequently, the other six reviewers asked questions one after another.

Question: “This Hengda residential project is a key project introduced by the province, right?”

Answer: "Yes, Hengda's first stop when entering Shuanghe Province is Hedong City, the provincial capital, and it will gradually set foot in the remaining 14 cities."

Question: "Oh? How is the progress of projects in other prefectures and cities now?"

Answer: "Hengda has acquired land in four cities including Suyang and Chuyang and is waiting for development."

Question: “What is their next intention to cooperate with our bank?”

Answer: "The other party said that as long as the loan for the Hedong project is approved, we will be listed as a long-term cooperative bank, and the four projects that have obtained the land certificates will also give priority to our bank for project loans. If this is the case, the real estate development of the head office next year will The loan task was completed ahead of schedule.”

Zhuge Yue nodded, smiled and said to the committee members beside him: "It seems that Hengda's loan has to be approved. I see that your investigation report also lists the automobile business in the future comprehensive income. Please expand on it."

Manager Ling of Chenghuang Branch took the microphone: "As we all know, Hengda's real estate business has developed rapidly in recent years. The group is preparing to expand its business scope, diversify its development, and diversify its business risks. Among them, the car-building plan has been put on the agenda. At present, the Hedong Municipal Government We are actively striving for Hengda Automobile to settle in this city. If our bank uses this project loan to establish a cooperative relationship with Hengda Automobile, we will very likely win the banking business of Hengda Automobile in the future."

The more Wang Chunliang listened in the audience, the more he felt that something was wrong. The review committee members changed their harsh style in the past and asked positive questions one after another in a friendly manner, which elicited quite positive answers from the Chenghuang Branch as if they were entrusted.

Today, the committee members' buttocks were a bit fierce. Wang Chunliang knew that the gentler they were to the Chenghuang Branch, the harsher they would be to the Sanlimiao Branch.

Sure enough, when it was their turn to ask questions about the Sanlimiao Branch, all the committee members who had been kind-hearted just now turned down their faces.

Zhuge Yue: "I heard that Shuanghe Real Estate first applied for the project loan from China Construction Bank. So what caused it to suddenly switch to our bank? Was it due to any risks in the company itself?"

Wang Chunliang: "The Shuanghe Real Estate project loan has been approved by the Shuanghe Branch of China Construction Bank, but due to the excessive real estate loan limit of China Construction Bank, it cannot be approved by the head office. In view of the good cooperation in the mortgage business of Baihuayuan Phase I, our Sanlimiao Branch We took the initiative and took over the application for this project loan."

Evaluation member Kang Shuai: "Why haven't you obtained the construction permit for the construction project? Is there something wrong? Your Sanlimiao branch should not take it lightly. You should find out the reasons and prevent risks." Wang Chunliang: "All Hedong real estate licenses The business has been disrupted by Hengda's queue-jumping, and the four-certificate applications of a series of provincial real estate companies, including Jindadi and Wanzhen, have been affected. Mr. Kang, in fact, if all three certificates are complete, it will be approved, and the loan will naturally be issued. The manager of the payment center will review and ensure that the four certificates are complete."

The committee members wanted to continue to make things difficult. Vice President Gao waved his hand and asked a few decent questions in person before stopping the second stage of the questioning session in advance.

Wang Chunliang took advantage of the break to take a look at the latest voting results. Thanks to the deliberate questions from the review committee, the support rate of Chenghuang Branch further improved and has reached 60%.

There is still an hour before the end of the loan review meeting, and the real decisive battle should be in the third link where the branches attack each other (questions).

Wang Chunliang switched back to the business system web page, estimated the available balance based on the current proportion of real estate loans, sent the digitally edited text message to Sister Jun, and assigned the latest loan task.

At this time, a text message from the eldest lady popped up on the phone, 'Cheer up, Brother Chunliang, I believe you can defeat them. '

Wang Chunliang looked up at the rostrum not far away, and saw the eldest lady waving her fist vigorously to cheer herself up. The gloom in his heart suddenly dissipated a lot.

At 10:45, Zhuge Yue announced the start of the third phase.

Luo Tuzi took the microphone, pointed at the projection screen and asked:

"Please take a look, this is a comparison of the key financial indicators of the two companies. It is obvious that regardless of asset size, sales level or profitability, the two are not customers of the same magnitude. Excuse me, Sanlimiao Sub-branch, why do you think Shuanghe Is Land more eligible for loan approval than Hengda?"

The audience tried to assume the role of Wang Chunliang. After thinking for a moment, they found that they were unable to answer Chenghuang Branch's question.

Wang Chunliang raised his eyebrows and asked: "From the first part of the company introduction, your Chenghuang branch has been changing the concept. The series of indicators you listed are all the group's total figures, but the real cooperation with our bank Will it be a group headquarters headquartered in Guangdong Province? Even if the total sales of the group exceed 1000 billion and the cash deposit exceeds 100 billion, how much does it have to do with our Mule Bank in Shuanghe Province? Really enjoy deposit income, mortgage The business gains are actually from the banks that cooperate with Hengda headquarters.

However, Shuanghe Real Estate is different. It is a provincial-level enterprise with its headquarters in Hedong. Therefore, every time the company's sales increase by 10 million, Mule Bank, which cooperates with it, will personally enjoy the gains it brings. "

Quan Zhi'an snatched the microphone from Luo Tuzi: "You may have misunderstood. The reason why we mentioned Hengda's parent company and the group company was because the point of view we wanted to demonstrate was loan risk management and control rather than loan-derived income."

Wang Chunliang: "Then let's take a look at the risk indicators. I have a question. Why do you list a lot of data, covering current ratio, quick ratio, asset-liability ratio, total loans, etc., but not the total number of loans? What about the amount of external guarantee?

Please look at the big screen. This is the corporate credit report of Hengda’s parent company as of yesterday. Yes, Hengda's total assets are indeed high, its growth rate is indeed fast, its sales are higher, and its growth rate is faster. However, haven't you found that the growth rate of their external guarantees is much higher than the previous two?

Note that the total guarantee amount has exceeded the owner's equity. Isn't this a huge risk point? "

(End of this chapter)