Rebirth of financial migrant workers

Chapter 150 Why is it you?

Financial advisory fees, as the name suggests, are related fees charged by financial institutions when providing financial advisory services to enterprises.

This business belongs to the bank's intermediary business, and the income generated is the intermediary business income.

Since 2009, due to the dual pressure of capital constraints and the decline of the old development model, commercial banks have turned their attention to intermediary businesses with higher returns and lower risks. Financial advisory services that are convenient to charge and have huge amounts have become the new favorites. .

Shuanghe was originally an economically underdeveloped province in Huaguo. When the craze for collecting financial advisory fees had swept across the country, Mule Bank, under the operation of Wang Chunliang, collected the bank's first financial advisory fee from Shuanghe Real Estate.

After being the first to take advantage of the situation, other branches followed suit.

However, the good times did not last long. Because some banks had no bottom line, and various media fanned the flames and deliberately set the pace, there was an upsurge on the Internet to boycott bank card inter-bank transfer fees, inter-bank ATM withdrawal fees, and inquiry fees. Unfortunately, the financial advisory fees charged by clients are also at a disadvantage.

The initial reason why the National Banking Regulatory Center launched a large-scale nationwide campaign to crack down on the arbitrary charging of financial advisory fees was that the fees increased the financial burden of small businesses. However, in fact, most banks will reduce the loan interest by the same amount while charging financial advisory fees. , for the enterprises being charged, there is no change in financial expenses.

Fortunately, the Banking Regulatory Center promptly patched up the reasons for the rectification and proposed the concept of quality-price discrepancy, that is, the bank charged financial advisory fees but failed to provide corresponding services.

The quality and price that do not meet this standard can be regarded as a huge weapon, so much so that after several rounds of rectification, except for a few bold and unruly banks, other banks have given up on the financial advisory business.

Wang Chunliang quickly unfolded the above memories in his mind, but he remembered that this major inspection in his previous life seemed to have only started after the Spring Festival in 2010. Could it be that he remembered the wrong time? Or the butterfly effect?

Without any time to think, Wang Chunliang dialed the second lady's phone number.

"Manman, is the PPT you asked your advertising company to make completed now?"

"Oh, I forgot to ask. It should be pretty close. I'll have time to check it out next week."

"It's too late next week, the banking center will come to check right away!"

"Just check. Anyway, the Banking Regulatory Center is checking your bank, and they can't control our real estate company. Besides, I'm packing my bags to go on vacation. I really don't have time, unless..."

"Unless what? Second Miss, no matter what the order, Chunliang will definitely do her duty!"

"You play with me~"

"Okay, okay, a 140-pound man can just play around."

After hanging up the phone, Wang Chunliang was half relieved.

At this time, two members of the inspection team of the banking management center were led by President Liu towards the branch door.

"Huh? Just two people? It seems they don't pay much attention to this inspection." Sister Jun approached Wang Chunliang and muttered in a low voice.

Wang Chunliang glanced at the conference room where the table was piled with fruit snacks: "Are you all ready?"

Sister Jun: "Well, I also asked Zhang Yu to buy cherries. She will be back in a while."

Wang Chunliang: "Then let's go out and greet him."

Just like that, amid the laughter of Liu Erwang, the inspection team of the Provincial Bank Management Center walked into the business hall with the steps of a superior.

The leader of the inspection team looks like Director Zhou, who is about 40 years old. He has a smile on his lips, but his eyebrows are hidden and sharp. He has a typical smile but not a smile. Wang Chunliang secretly thought that this person should be difficult to get along with.

Another female member of the inspection team, whose surname was Zhang, had kept a straight face since she entered the door. If she had a few more wrinkles, she would be a Jiejie Shitai. Wang Chunliang secretly shook his head at Sister Jun, indicating that this one would be more difficult to deal with. After entering the conference room, Director Zhou first looked up and observed carefully, then took out a document from his bag and handed it to President Liu:

"In accordance with the requirements of Provincial Banking Management Center Document No. 200936, our inspection team will conduct a special inspection of your bank's financial advisory fees. The relevant notification letter was sent to your head office 10 minutes ago. Now, would you like to ask Mr. Liu to provide us with the financial advisory fees charged by Shuanghe Real Estate? Dossier material for consulting fees.”

Wang Chunliang stood next to President Liu and read through the document. Sure enough, it was still a financial advisory fee, but it was not the inspection initiated by the National Banking Center in his previous life.

The initiator of this inspection was the Provincial Banking Management Center. The boss of the banking management center is Director Geng, and Director Geng attended the special loan review meeting in person last month.

It's Director Geng again, and he's just haunting him.

I was still careless. I shouldn't have mentioned charging Shuanghe Real Estate's financial advisory fee at the loan review meeting.

However, the problem is not big. After all, the current supervision at all levels has not yet issued specific management measures. The initial inspection content does not contain the item "inconsistency between quality and price". The process and procedures for collecting fees by yourself are fully in line with the current relevant regulations.

What's more, you can soon get a beautiful PPT produced by a professional advertising company. At least the face-saving aspect has been done very well.

With this in mind, Wang Chunliang generously took out the file box and handed it to Director Zhou, and kindly introduced:

"Zhou Chu, this is the service agreement and the receipt."

"Okay, I don't need your introduction. Please ask the people from your bank to leave first. If there are any questions, I will call you in." Director Zhou interrupted Wang Chunliang's words and pointed to the door of the conference room to signal everyone. Leave.

President Liu frowned, forced a smile, and took Sister Jun and Wang Chunliang back to the president's office.

He closed the door heavily and complained in a low voice: "What the hell, it's the first time I've seen such an inspection team. It's like a prison guard facing a death row prisoner."

"In the past, during external inspections, we could leave one person on site to accompany the inspectors, who could explain problems immediately. This time it was better, they kicked us out directly." Sister Jun was also very angry and subconsciously He pinched Wang Chunliang.

Wang Chunliang took the opportunity to express the reasons for his speculation. After listening, Manager Liu added:

"There may be another reason. I heard before that the Provincial Banking Management Center has not completed its fine task this year. This time it is probably to generate revenue."

"Haha, my words at the loan review meeting made the great Director Geng find new ideas." Before Wang Chunliang could finish his self-deprecating words, his cell phone rang.

Seeing that the caller was the second lady, he immediately pressed the connect button.

"Someone from the Provincial Banking Management Center came to Shuanghe Real Estate and asked me a bunch of questions. They also wanted to see the information on the consulting fees. What do you think we should do?"

"Show them, you hold your ground first, I will rush over now, and then you will say that I am the company's financial staff."

Wang Chunliang took off his travel clothes, put on his casual clothes, and asked President Liu for his car keys. When passing by the door of the conference room, he stared at the closed glass door and thought for a moment. Then he called Yao Dayun and whispered a few words, then drove straight to the door. Two Rivers Land.

Along the way, the top speed reached nearly 100 kilometers per hour. After arriving at Shuanghe Land Building, he rushed into the second lady's office in three steps at a time.

After the inspector closest to him turned around and revealed his face, Wang Chunliang felt nauseated:
"why you?"

"Wang Chunliang, long time no see."

　Maybe I have the flu. I have a headache.

　　
　
(End of this chapter)