Rebirth of financial migrant workers

Chapter 18 Uncovering the Mystery of Small Business
After the excitement of the first few days wore off, training life became boring.

The daily schedule of professional courses is full and lasts until seven or eight o'clock in the evening.

Since they still have the task of reporting on the performance, the students have to rehearse the performance after class in the evening.

The high-intensity arrangement made the 156 trainees nervous and their tempers grew louder.

Fortunately, they quickly found a way to relieve their depression and relieve stress.

During group battles in each class, the students would rush to challenge Han Li, and then watch with satisfaction as he was crazily ravaged by Wang Chunliang.

As long as people see people who are worse off than themselves, they will feel much better.

What, you said that the rules only allow the leader and deputy team leader to fight in place of ordinary team members?
Wang Chunliang is our executive deputy squad leader, so is it reasonable for him to play in place of ordinary members of the squad?

Ever since, 'My XXX representative Wang Chunliang of Group X has an appointment with Han Li' has become the mantra of the whole class.

The teachers were all wondering for a while what kind of evil thing this guy named Han Li had done.

Wang Chunliang is actually a bit boring, after all, his opponent is too weak to enjoy.

After beating Han Li many times, he even felt a little pity.

But when he thought about what the other person had done in his previous life, he gave up sympathy and whipped the corpse with tears in his eyes.

Han Li himself painfully discovered that the skills he claimed to be proficient in were vulnerable to Wang Chunliang.

If he couldn't afford to fight, he couldn't afford to hide. As soon as the fifth day of training ended, Han Li asked for sick leave, ending his training life ahead of schedule.

Time flies, and in a blink of an eye, the training has already reached the penultimate day.

The students suddenly became enthusiastic and filled the front row early.

After all, every new banker with dreams hopes to start his career as an account manager.

And today's course is the enlightenment of account managers - introduction to credit.

The teacher in charge, Cui Changsong, is the department manager of the Credit Appraisal Department of Hedong Branch.

Nicknamed "Extinction", he killed countless corporate loans.

In his previous life, Wang Chunliang had to deal with him at loan review meetings almost every week.

Although many loans have been rejected by him, the reasons given by the other party are extremely convincing.

Wang Chunliang felt very sad when he met the authority of Mule Bank's credit review again.

It turns out that Cui Changsong had gray hair as early as 2009.

Considering that his real age is only forty years old, Wang Chunliang can't help but lament the great pressure of working in the credit business.

Cui Changsong walked to the podium, picked up the chalk and wrote the three characters "small business" on the blackboard, and then began to lecture.

“Banking services such as corporate credit, syndicated loans, and trade financing sound lofty, but these are still far away from you.

It is difficult for an account manager to take over the above business without years of experience in primary credit business.

For you, if you embark on the path of account manager, the first credit target you will contact is small businesses.

Small business loan amounts are low and the guarantee method is single. Compared with corporate loans, bank losses are smaller when risks arise.

But small businesses themselves are changeable and difficult to investigate, so the theme of our course today is to unveil the mystery of small businesses. "

After Cui Changsong explained to the new employees for almost an hour, he took the initiative to ask the students a question:
"What are the main ways to investigate production-oriented small businesses?"

Many top students majoring in finance and economics from top universities at home and abroad participated in the training.

Soon, a graduate from Teito University Kwanghwa School of Management stood up:

"First of all, we must look at the financial statements!" Cui Changsong shook his head and expressed his disapproval:

“Small business customers are different from corporate customers in that they are smaller in scale and have poor staffing. Some small businesses even do not have formal accountants, let alone financing managers and financial directors.

Their statements actually have little reference value and do not need to be audited. Many of them are for tax purposes.

This is also a characteristic of this type of customer, so the financial statements of small businesses can only be regarded as a formal requirement at best.

I heard that your class has a standing deputy monitor, so let’s ask him to answer. "

Wang Chunliang quickly recalled his experience in the industry and answered simply:

"Production-oriented small businesses must use water and electricity, so they can be judged directly based on the company's electricity consumption."

Teito University suddenly realized:
“So you’re looking at the monthly electricity bill payment slip?”

"If you want to get the most realistic production situation of a company, you can check the other party's electricity meter multiple times at night."

"Why night?"

"Because electricity is cheap at night, most small businesses in my country engage in production activities at night."

Cui Changsong watched with interest as Wang Chunliang answered in an orderly manner.

Although the other person is also a new employee, he seems to have a lot of investigative experience and is a good prospect.

Cui Changsong concluded with satisfaction, checked the time, and signaled for the following to enter the free question period.

Wang Chunliang was the first to ask:
"Mr. Cui, under what circumstances can a small business in a sunset industry be approved for a loan line of 1000 million yuan in the year of establishment?"

“Small business loans mainly look at the business owner, so what is the background of the business owner?”

"There are two shareholders on the surface. Both of them were ordinary workers before and didn't even own any real estate."

"Small business loans mainly look at the actual controller, not those listed on the shareholders' meeting."

"Report to Mr. Cui, the actual controller is not mentioned in the investigation report or the minutes of the loan review committee meeting."

"Then the loan is unlikely to be approved unless the guarantee is a super-full value guarantee."

"Back to Mr. Cui, the company did not provide a full-value guarantee. More than 70% of the loan guarantees were mutual guarantees from other small businesses."

"Mutual guarantee? Isn't this a proper credit loan? Is this a credit loan for a small business like this and spreading money?"

"Mr. Cui, one last thing to add. In less than seven years, this small business has experienced slow sales growth, but its loan limit has increased from 1000 million to 4000 million, and its customer level has also been upgraded to a corporate customer."

“This is definitely not a loan from our bank.

If there is such a loan, then I can only say that there is an insider in the industry.

And this insider must be at least at the level of a branch president, otherwise it would be impossible for the credit review department to approve it. "

Cui Changsong listened to Wang Chunliang's description and quickly searched it in his mind. He had indeed never approved such a loan.

But last month, President Han said hello once, and the other person seemed to be called Pegasus Machinery.

It is also a newly established small business in the sunset industry, and it also asked for a quota of 1000 million.

It can't be such a coincidence, right?
Cui Changsong examined Wang Chunliang again, but found nothing strange.

In fact, Wang Chunliang has already obtained the verification answer he wanted.

This question also planted a seed in Cui Changsong's heart in advance.

When the time is ripe and the seeds bloom and bear fruit, it will be the day of judgment for President Han.

(End of this chapter)