Rebirth of financial migrant workers

Chapter 149 The inspection team is coming
"Wake up, it's almost eight o'clock!"

Sister Jun vigorously shook Wang Chunliang, who was sleeping soundly next to her. Because they had been too hard last night, the two of them slept until it was time to go to work.

Wang Chunliang turned over and groaned: "Anyway, there is no business this month. I won't go to the office in the morning. When you get to the office, tell Liu Xing and tell me that I will go to visit the client, Sanni or Shuanghe Land." What."

"How can you be lazy!" Sister Jun gently pinched the thin flesh of Wang Chunliang's waist, and then she lay down again, with her thighs on top of him, "Forget it, I won't go either. Now, tell Liu Xing in the afternoon about the client you took me to visit with you."

Just when the two of them had gone back to sleep for less than half an hour, the phone rang.

Wang Chunliang cursed and reached for his cell phone from the bedside table. He closed his eyes and pressed the answer button: "Who is it?"

There was silence for about two seconds before the voice came over: "Hello, I am Liu Bo, is Lijun here?"

"Liu Xing?" Wang Chunliang was startled and opened his eyes wide.

Sister Jun, who heard the sound, also came closer, pointed at the phone and gestured to Wang Chunliang, "This is my phone!" '

Wang Chunliang suddenly lost all sleep. He thought of an excuse in less than a second: "Liu Xing, I am Wang Chunliang. Sister Jun and I are both working as a mortgage lender at Shuanghe Land. She just went to the bathroom and didn't bring her mobile phone with her. ,you."

President Liu did not hesitate on this matter, but interrupted directly: "You two will leave immediately, the Provincial Bank Management Center will come to our branch for inspection in the morning!"

After hanging up the phone, Wang Chunliang and Sister Jun looked at each other, big eyes and small eyes.

"It's already December, and the Banking Regulatory Center still needs to come for inspection?"

"Stop talking, get dressed quickly and go to work! Where did you do my panties?"

Any bank practitioner will be familiar with various checks.

During his professional career, he has experienced numerous inspections, large and small, every year, every month or even every week.

These inspections can be divided into two broad categories: internal and external.

Among them, internal inspection refers to the line due diligence inspection, special inspection of regulations and audit inspection of the branch by a single department of the head office, a branch or a cross-department joint audit agency.

This type of inspection is relatively peaceful. After all, we are all colleagues in the same unit. In many cases, if problems are discovered and corrected in time, it will be over by turning a blind eye. The form is greater than the substance.

External inspection refers to central banks and banking regulatory centers at all levels conducting special inspections on anti-counterfeiting, account management, personal information protection and various lines of banks.

This type of inspection is the most unpredictable and ruthless. Any problem recorded by the inspector may bring a heavy fine to the bank. How heavy is it, you ask? Measurement is in billions of yuan.

If internal bank inspections are followed by criticism at most, then external inspections are often followed by fines, suspensions or even dismissals, leaving corpses everywhere.

Therefore, the upcoming external inspection of the Provincial Bank Management Center has made Wang Chunliang's heartstrings tighten again after just a few days of relaxation.

Twenty minutes later, in the office of the president of Sanlimiao Branch.

"What? Or a surprise inspection?" Wang Chunliang almost spit out his tea.

President Liu sucked Huazi with a stern expression: "The Provincial Bank Management Center didn't even say hello to the head office this time. It was an employee from the branch who accidentally discovered their inspection plan when he went to submit materials."

Wang Chunliang frowned. Through his memories along the way, he found that from December 2009 to the end of the Spring Festival holiday in 12, the branch had never experienced an external inspection, let alone such a surprise inspection without regard for face. You know, under normal circumstances, although the Provincial Banking Regulatory Center is a regulatory agency, due to the complicated personal relationships among the top management, they will give each bank some face, but they will give it a heads-up before any inspection. This is already unwritten agreement. (Not applicable to the National Banking Regulatory Center)

Since the other party broke the convention this time, they must severely catch a few examples.

Thinking of this, Wang Chunliang reminded: "We chose December when no inspection has been arranged in the past, and adopted the method of surprise inspection. This time the Provincial Banking Management Center has bad intentions. We cannot take it lightly."

Sister Jun: "What about the direction and content of the inspection? Is it corporate or retail? Is it a special business inspection?"

President Liu blew out a smoke ring and said quietly: "I don't even know, the banking center is silent about it."

After saying that, he glanced at his watch and continued: "It is said that the inspection starts at 10 o'clock. We still have more than an hour to prepare. How about a self-examination of the loan?"

Miss Jun's little head shook like a rattle: "It's too late. We don't know the specific scope of the inspection, so how can we check ourselves? There are also many credit files stored in the archives storage room of the head office, which are completely impossible to check!"

Wang Chunliang patted the back of Sister Jun's hand to signal her to calm down: "Liu Xing, are you going to randomly check certain branches or check all of them?"

"It's a random check, and the first one is our branch."

"Liu Xing, please call the branch again and ask which branches there are."

While President Liu was making a call, Wang Chunliang turned to Sister Jun and said, "Hurry up and arrange the reception place."

"Ah?" Sister Jun's eyes were filled with questions.

Wang Chunliang: "Let people buy fruits, candies, and cigarettes, and prepare some shopping cards!"

Sister Jun: "Oh, but now that the situation is tight, they probably don't dare to accept the card."

"It is their choice whether to accept it or not, and whether we are prepared or not reflects our attitude. Try to buy expensive fruits, preferably ones that are small in size and a little troublesome to eat. This will consume the other party's time for inspection."

Sister Jun nodded, stepped on her high heels and went out to arrange the purchase. At this time, President Liu also finished the phone call and handed the record note to Wang Chunliang.

Sanli Temple, Sili Dun, Drum Tower and Gumiao were the only four branches that were randomly inspected.
Wang Chunliang returned to the office, sat in front of the computer and stared at the note, lost in thought.

Ten seconds later, he opened the computer credit system, tapped the keyboard with his fingers quickly, and exported the list of credit balances of each branch of Hedong Branch.

As expected, the Gulou Branch has not yet started credit business because it was established not long ago, which means that the inspection by the Banking Regulatory Center is not aimed at bank loans.

So it’s targeted at off-balance sheet business?
Off-balance sheet business and intermediate business.
Good harvest? Wang Chunliang's eyes lit up, he quickly opened the office OA and searched for official documents at a glance.

Sure enough, these four branches have all charged financial advisory fees recently. Is this the goal of the banking management center this time?
The knock on the door interrupted Wang Chunliang's thoughts. Manager Liu stood at the door and waved:

"The inspection team's car has already entered the parking lot. Come with me to greet it."

"Why is it so early?! Liu Xing, hold them for a while while I make a call first."

(End of this chapter)