Rebirth of financial migrant workers

Chapter 245 Dr. Ma wantonly digs into Wang Chunliang’s crimes

Three-level bank loan approval system,

This means that each loan must go through:
The first-level principal investigator and co-investigator apply together, the second-level department manager reviews, and the third-level branch president approves.

The result is a paper approval form that is used for accountability in the event of subsequent loan defaults.

It stands to reason that all personnel involved in the loan application are on the three-level loan approval form, which is clear at a glance and can be handled clearly.

However, as Wang Chunliang experienced before his rebirth, if there is a problem with the loan, the branch president will generally not be severely punished.

Because they have inextricably linked interests with the leaders of the head office and branches.

If they are cornered and they bite people randomly and drag a few big leaders into the water, would you say it would be embarrassing?

Of course, Ni Zheng is a special case. He is involved in loan fraud. The facts of the crime are already in front of us. No one at the head office and branch can protect him.

Since the branch president cannot be severely punished, if there is a problem with the loan, who will take the blame?

Is he the approval manager of the credit evaluation department of the branch responsible for the loan?

Or the review committee members participating in the three-person, five-person, and seven-person loan review committees?
No kidding, in a football match, how could the referee give a red card to the linesman.

Therefore, the main investigator still has to shoulder the blame.

The on-site investigation was personally participated in by the chief investigator, and the investigation report was also written by the chief investigator. It is reasonable for him to take the blame.

There is a little trick here that experienced loan officers with a little work experience may know.

In the determination of liability for problem loans, the most important criterion for the chief investigator is whether he has conducted due diligence before lending.

What is due diligence?

That is to say, during the investigation, you should fulfill your responsibilities and clearly analyze the loan applicant's loan purpose, repayment source, guarantee method and other factors to ensure that the materials you report to the branch are true and accurate.

Therefore, when experienced loan officers encounter a loan like Weixin Steel Trading that can be seen with a clear eye, but is forced to report by the branch president, they will definitely not be forced by the leader like novices. Pressure, and continue to encourage customers without conscience.

On the contrary, they will list the customer's shortcomings in detail in the investigation report.

As for how to covertly write these contents in the report to prevent the branch president from discovering it, it is also a science.

But then again, how many branch presidents will read the investigation report?
In this way, when something goes wrong with the loan and the main investigator is found responsible by the head office and branch, they will jump out and retort forcefully:

"When applying for a loan, I clearly wrote down all the issues in the investigation report. After seeing it, the branch manager and branch president still chose to report it. Moreover, the branch also had an approval process, so they didn't refuse the loan approval? Can this be done? Do you blame me?"

Faced with this situation, the risk management department cannot say much and can only discuss with the leaders to see whose turn it is to take the blame.

It can be said that this kind of behavior is the only way the account manager can save himself when serving as the main investigator.

However, rookie Wen Jing obviously didn't know this method.

The Weixin Steel Trade investigation report she wrote put the other party in various beautified packaging, which made the staff of the branch's responsibility identification team shake their heads.

The crying sound made people upset. Dr. Ma thought for a moment and raised the corners of his mouth slightly.

He slapped the table hard and reminded him with "kindness":

"Cry, cry, cry, what's the use of crying! If you have this time, it's better to recall it and explain things clearly.

Describe in detail the mistakes that several other people you know made in this loan, and try to make meritorious deeds. The problem with this loan is so serious, can you handle it alone? "

Wen Jing was stunned for a few seconds when she heard this, then she quickly wiped away her tears and said quickly:

"I said it, I said it! I remembered that during the on-site investigation, I went with Wang Chunliang. He is an old loan officer, and I am a newcomer, so he must be the leader during the investigation."

Dr. Ma suddenly became interested, sat up straight, and asked:

"Continue, what else? As far as you know, has he ever received any gifts from customers?"

Wen Jing felt nervous when she heard the other party mentioned the gift. She didn't know whether Wang Chunliang received the gift or not, but she actually accepted two cards and a platinum necklace from the client.

"Ah, I guess not. As bank employees, we are taught never to take any money from our customers when we first join the industry."

Dr. Ma frowned slightly and continued to give guided reminders:

"I heard that the client has invited you to dinner in high-end places many times."

Wen Jing felt nervous again when she heard this. When it came to being invited to a dinner party, Wang Chunliang only attended the one before applying for a loan, but she herself attended no less than ten times with President Ni.

I still couldn't handle what the other party said, so I could only remain silent.

Faced with Wen Jing's repeated "disloyalty", Dr. Ma mistakenly thought that she wanted to protect Wang Chunliang, so he said harsh words:

"Now that you are exposing others, you are saving yourself. If you miss this opportunity, it will be too late for you to regret it later!"

Being so excited by Dr. Ma, Wen Jing stumbled a bit when she spoke:

"I, I thought again, and then I remembered that Wang Chunliang did the post-loan inspection of this loan in the first quarter. At that time, he went to the customer alone for an on-site visit. If there is a problem with the loan, he should have discovered something after the loan. !”

Ma Boshou finally showed a knowing smile.

He nodded with satisfaction, ordered his men to record the information in a small notebook, and then said to Wen Jing:

"Okay, your questioning is over for now. When you go out, call Wang Chunliang in. He will be the next person to be questioned."

When Wen Jing walked to the conference room and found Wang Chunliang, he was talking and laughing with Sister Jun in the hall.

Wen Jing, who had red and swollen eyes and a sad face, became increasingly unbalanced when she saw this scene.

Smile, smile, and see if you can still laugh when you are questioned by the responsibility determination team.

Wen Jing was angry, but then she thought about it. She had just exposed Wang Chunliang in the conference room, so the way she looked at him at this moment was half angry and half guilty.

"It's your turn. Just now the branch leader asked me about your problem, and I said a lot of good things to you. When you come in later, remember to intercede for me too!"

Dr. Ma believes that he has become well-informed since he joined the risk management department to be responsible for determining responsibilities.

No one who is being interviewed comes in timidly.

But this Wang Chunliang walked in with a smile and a relaxed expression, and sat down without waiting for someone to sit down.

Mad, if you don’t know, you’d think you’re the leader here to inspect the work of our responsibility identification team.

Dr. Ma opened the notebook, looked at the crimes recorded on it, and was ready to go.
(End of this chapter)