Rebirth of financial migrant workers

Chapter 174: After socializing, the necessity of oranges

On June 2003, 6, the "Flower Country Resident Identity Card Law" was officially promulgated.

The following year, the first batch of second-generation ID cards began to be issued.

It was not until January 2013, 1 that the first-generation ID card was officially discontinued.

In the past nine years, a considerable number of residents across the country have held both old and new ID cards for various reasons.

The old first-generation ID card has a 15-digit number, while the new second-generation ID card adds three digits before birth to an 18-digit number.

Among some of them, the names on the new documents have changed because they have used the same name or changed their name.

There are even individuals who have two first-generation ID cards with different numbers, and update one of them to a second-generation ID card for some purpose, becoming a special person with two identities at the same time.

For ordinary people, this situation does not seem to have much impact.

But for financial workers, especially bankers, this kind of multiple identities is quite a headache.

Here I have to first explain Huaguo’s current credit granting principles for individual and small business customers.

As we all know, when granting credit to a bank, the first step is to investigate the customer's credit record, and for small business customers, the main investigation targets are individual business owners.

Since the central bank's personal credit reporting system was launched in 2006, the new inquiry system has allowed bank account managers to bid farewell to the old and crude and one-sided manual interviews and surveys, providing them with more comprehensive, intuitive and accurate customer credit reports.

However, any system has various vulnerabilities when it is first launched, and the credit reporting system is no exception.

Initially, the credit report of a customer with a 15-digit ID number was actually different from the 18-digit one, not to mention those individual customers who had changed their names or had two ID numbers.

Two different credit reports mean that the same customer can go directly from a debt-laden old man with frequent overdue payments to a bank account with no credit history, thereby enjoying completely different credit policies of the bank.

Therefore, when Xiao Rong said, "It's different if it's different," Fatty Du immediately corrected him.

"Xiao Rong, you are now considered a non-staff member of the bank. This kind of thinking is unacceptable. If someone applies for a loan with two different ID cards, it is most likely a fraudulent loan."

After saying that, Fatty Du turned to look at Wang Chunliang, very puzzled:

"How is it possible that the name and number have all changed? Have you done an online verification by the police on his new ID card?"

Wang Chunliang nodded. He personally checked last night and found that the name, number and photo all matched.

"It's weird. In 2003, I personally checked his old ID card online, and it was authentic and valid."

Wang Chunliang waved his hand and interrupted the other party:
"You haven't been working as a teller for a long time. There are some people in our country who have dual household registrations. They may have two ID cards with different names and numbers at the same time."

After several bottles of beer, Wang Chunliang's memory was seriously disturbed. It took a lot of effort to remember that in his previous life, he had met two dual-account savings customers when he was lying on the counter.

He took the roasted pig whip from Xiao Rong and continued:
"However, our country has been vigorously eliminating duplicate household registrations over the years, and there are quite severe penalties for using dual household registrations and different ID cards to commit certain illegal acts."

Fatty Du watched with envy as Xiao Rong fed Wang Chunliang a big roasted baby, and added following the topic:
"Yu Erbao, or Yu, Yu Weixin, the loan he applied for at our branch was not reported because Ni Zheng went to the branch. Later, I heard my master vaguely mention that there was something wrong with this customer. Brother, his loan You have to be careful, otherwise I would not retaliate at all, and no one would be able to plead for mercy."

Wang Chunliang: "The loan has been reported to the branch today."

Fatty Du: "Huh? Did you sign it?" "Yes, the branch examiner's column."

"Damn it, I'm here to pay for this. Don't use the card he gave you. Try your best to play the opposite tune during the meeting and actively let the loan be rejected."

Wang Chunliang smiled: "It doesn't matter, I have my own way out of the loan problem."

After a moment of pause, Wang Chunliang asked again: "Who is your master? I will pay him a visit when I have time."

"Ah, unfortunately, he retired three years ago, and it is said that he went to live with his son Didu. Do you want to know about Yu Erbao's situation? Although the loan was not reported at the beginning, I have all the information about him and the company Enter it into the credit system. I should still have the old investigation report in my computer and I will copy it to you tomorrow."

Wang Chunliang clinked a full glass with him to express his gratitude, and suddenly thought of another question:
"By the way, do you have any impressions of Cheng Zhiwen and Lu Qingfa?"

Fatty Du repeated it several times and immediately replied:
"I've never heard of Cheng Zhiwen, but I remember Lu Qingfa. Is he a little reserved, short in stature, and not talkative?"

Wang Chunliang: "Yes, that's him."

"He, he is Yu Erbao's full-time driver. It is said that he is also his wife's cousin."

Wang Chunliang's expression was indifferent, but actually he was ecstatic inside.

In just one meal, I not only reserved key talents for the future, but also received so much key information, which provided me with a clear direction for further investigation.

Xiao Rong was not very interested in these topics and could not understand them very well. He soon started to yawn all the time.

Upon seeing this, Wang Chunliang proposed to end the meal. The three of them took a taxi and sent Xiao Rong, who lived nearest, home first.

Xiao Rong gave Wang Chunliang a hug when he got off the car, and reminded him that he must be there to sign the contract tomorrow.

Half an hour later, Wang Chunliang hummed a little tune and opened the door of the old boy's room, and then his mouth opened wide in shock.

It was almost one o'clock in the morning, but the house was brightly lit. Sister Jun was sitting on the small sofa in the living room with her legs crossed, staring at him with an unkind expression.

"Hey, why are you here today? You didn't even tell me in advance. Why don't you just give me a call?"

"Heh, I heard that you were taken away to socialize by someone named Ni, so I wanted to see when you could go home in the evening. It's not bad, you didn't play all night."

With that said, Sister Jun stood up and walked to Wang Chunliang, sniffing against his body like a hound.

The air conditioner and heater in the room were not turned on very high, but Wang Chunliang was sweating coldly at the moment. Ma De, you are so careless. You will have to prepare a few oranges before going home from social events in the future.

Sister Jun's eyebrows were getting tighter and tighter to the naked eye. When she finally smelled the collar, she couldn't help but asked:
"Wang Chunliang, what did you do at night?"

"Eating, bathing, and midnight snacks." Wang Chunliang simplified the truth a little.

Sister Jun helped Wang Chunliang take off his coat and hung it on the hanger. She lowered her tone and said, "Bank men have to socialize outside for business, and sometimes they have to act for the occasion. I understand all this, but you must not lie to my sister. "

She was holding up the sign with the words "Red Tripod No. 9" printed on it from the pocket of her coat, looking at the other party with resentment.

Wang Chunliang: "."

(End of this chapter)