Rebirth of financial migrant workers

Chapter 142: Open Plank Road
"Wait a minute, our Sanlimiao branch has something to say!"

Wang Chunliang shouted angrily on the stage, breaking the dream that Chenghuang Branch had woven for the entire audience.

Director Quan had just changed his sitting position to relieve the suffocation caused by the general's belly. He snorted heavily. He didn't know whether he was annoyed with his figure or dissatisfied with Wang Chunliang's behavior.

Except for Vice President Gao, the other six review members all frowned and stared at Wang Chunliang, ready to find fault.

The four people from Chenghuang Branch crossed their legs and shook their feet, looking confident.

Wang Chunliang asked leisurely: "Manager Quan, I wonder if the cooperation content you mentioned has been written down in the agreement?"

"Are you kidding me? How can you sign an agreement before the loan is released!" President Ling answered first.

Manager Quan pointed to the mobile phone: "What I just said was the promise made by Su Qizhijun of Hengda University on the phone. By the way, you should recognize Su Qijun, he is the deputy general manager of Hengda University. He can still speak well, right?! "

"Oh, it turns out it was just a verbal agreement to spread the pie."

Wang Chunliang waved his hand, stopping the Chenghuang branch from trying to refute, and continued:

"Many of my colleagues here are veteran loan officers, and they should be quite immune to customer commitments. As long as it is not written in black and white and stamped by both parties, then there is no limit to what can be done.

A few days ago, I collected historical information about the cooperation between many banks and Hengda through relationships. Please look at the big screen.

In 1996, Hengda was established and opened a basic account at Guangdong Xiangjiang Bank. In five years, with the credit support of this bank, Hengda grew from an unknown small real estate company to a well-known local enterprise. However, unexpectedly, , in 2002, Hengda completely ignored the old relationship and directly moved its basic account to China Construction Bank. It is said that the reason for the transfer was that it felt that the original bank was too small and not worthy of the corporate image.

In 2004, when Hengda of Hunan Province applied for a project loan from Xiangnan Bank, it promised the bank that it would be the host bank for its future mortgage business. However, when the market opened in 2006, Hengda placed most of its mortgage business in Huaxin Bank. It was Hengda of Liaoning Province who wanted to apply for a project loan from the local Huaxin Bank.

In 2005, the cooperation agreement signed between Yunnan Hengda and Gudian Bank clearly stated that it would ensure that the average daily deposit balance of the basic account would not be less than 3000 million. However, later the deposit balance of the account never exceeded 10, and Gudian Bank In a fit of anger, Hengda's project loan was withdrawn ahead of schedule. This matter even made it into the Bank Weekly, and colleagues must have heard about it.

In early 2006, Hengda promised to Heijiang Bank to handle international letter of credit business, but failed since then.
At the end of 2006, Hengda made a request to Imperial Bank.
In 2007, Hengda Zeng.
In 2008, Hengda
Year 2009."

Wang Chunliang read out the content of more than ten PPTs in one breath, and then he held his arms and looked at the people in the audience with a smile.

The presidents of various branches who were originally emotionally aroused seemed to have entered a sage moment and became dull.

This Hengda's various promises to the bank are just like the promises a man makes in bed, just a P!

Luo Tuzi scratched the barren Mediterranean, opened his mouth for a long time, and finally choked out:
"But there is inherent uncertainty in this kind of cooperation. Can you guarantee that the verbal promise made before Shuanghe Real Estate's loan will definitely be effective?" As soon as he finished asking, he saw the corner of Wang Chunliang's mouth rising at 45°, and he secretly thought that he had been tricked. , immediately tried to change the subject.

But how could Wang Chunliang let this opportunity pass? He took out a stack of contracts directly from his bag and answered in a loud voice:
“Oral promises are necessarily unreliable, so we have signed a series of paper contracts with Shuanghe Real Estate, such as this mortgage business cooperation agreement. The other party guarantees that our bank will be the host bank and will undertake no less than 70% of the mortgage business.

Although Shuanghe Real Estate is not as large as Hengda in the country, as far as Shuanghe Province is concerned, its total number of projects in various cities far exceeds that of Hengda. So much business cannot be handled by our Sanlimiao branch alone. , so we will also invite all brother branches to join us."

Both real estate companies have made commitments, one is a verbal agreement, and the other is a paper agreement with clear terms in black and white.

The branch presidents present were all smart people, and they had already made their choice in their hearts. They were just waiting for the loan review meeting to end before they went to surround the Sanlimiao branch.

Seeing that the situation was not good, President Ling tried to regain his respect, but before he could speak, Wang Chunliang preempted him.

"President Ling, don't worry. I still have an agreement in hand, and the leaders at the head office will definitely be very interested."

Wang Chunliang stood up, picked up the microphone in one hand and the cooperation agreement in the other, walked to Vice President Gao and continued,
"Intermediary business income has always been a weak link of Mule Bank. I heard that the head office has made improving income a key task next year, and the targets have been assigned to bank leaders at all levels. There is a lot of pressure.

Now comes the opportunity to solve this problem and complete the target ahead of schedule. Our Sanlimiao branch has signed a financial advisory cooperation agreement with Shuanghe Real Estate. The advisory fee is 1% of the project loan amount, which is 350 million yuan. "

Vice President Gao, who had been keeping a straight face for an hour and a half, finally smiled. He turned off the microphone and asked in a low voice: "Will Shuanghe Land be willing to pay this fee?"

Wang Chunliang approached the other party, took advantage of the other party's opportunity to read the cooperation agreement, and replied in a low voice: "Actually, it's the left hand and the right hand. We took the initiative to lower the loan interest rate and turned the original interest income into financial advisory fee income. Other banks do this. ."

Vice President Gao: "People from the Banking Regulatory Center are here, so don't go too deep into this topic."

Wang Chunliang gave it up when he saw it was good, put away the agreement and sat back in his seat, returning the right to speak to Chenghuang Branch.

Luo Tuzi picked up the microphone, but when he finished speaking, he forgot his lines, so he had to hand it over to Quan Zhian next to him.

Quan Zhi'an has rich experience in meetings. He did not dwell on the other party's dominant focus, but directly changed the topic:
"Everyone knows that what our Mule Bank lacks the most is deposits. Whether it can generate deposit income for the bank has become an important criterion for whether a customer is qualified for a loan. No. 800 Shuanghe Real Estate Baihuayuan has applied for a project loan with China Construction Bank. I I got the customer's bank statement from China Construction Bank, and its monthly deposit balance is less than 3.5 million. If you want to borrow million from our bank with such a small deposit size, I don't think it's feasible."

"Haha, Manager Quan, I'm afraid it's inappropriate for you to use the almanac of previous years as an argument." Wang Chunliang pointed to the screenshot of the document on the PPT and said word by word, "I asked for such a document from a certain leader in the imperial capital. A document, the specific content of which is about supervision accounts.”

The eldest lady who was listening obediently said: "!"

(End of this chapter)