Rebirth of financial migrant workers

Chapter 58 Vice President Zhang’s Conditions

The plane roared past Wang Chunliang's head and soared into the sky.

The eldest lady left again.

This time she said nothing to let Wang Chunliang be sent to the imperial capital.

According to her, she was afraid that she would be reluctant to leave Wang Chunliang and would not let him go.

Wang Chunliang looked up at the sky, thinking a lot.

In addition to deeply missing the eldest lady,
He also thought about the next step in his career.

Going to the head office must be the ultimate goal.

But if you go to the head office and become an ordinary employee?

Definitely not willing to give in.

Therefore, you have to transition from the branch first.

Hedong Branch is currently in charge of President Han, and he must not let a sheep slip into a tiger's mouth.

Unless Governor Han is brought down, this will certainly not be possible in the short term.

It would be a good choice to find a way to get a part-time official position after the Imperial Capital branch under preparation is officially established, and to be able to accompany the eldest lady.

But no matter which branch you go to, you must first polish your resume at the branch.

Now I have successfully taken up the post of branch retail department manager.

The current mortgage scramble is another critical node.

The classic Nokia ringtone rang, and the call came from an unfamiliar number.

"Hello."

"Wang Chunliang, I am Xiao Yi."

Wang Chunliang: "Oh, I wonder what Mr. Xiao from the retail department of the branch wants to see me for?"

Xiao Yi: "Don't be surprised, I called you to convey a message.

A consensus has been reached within the personal loan center of the branch to increase the approval requirements for housing mortgage loans reported by your Sanlimiao branch.

They also convinced the loan center to postpone the loan disbursement from Sanlimiao Branch.

All in all, the branch has set up many levels of checkpoints this time, with the purpose of sniping you in the Baihuayuan mortgage plate grabbing operation. "

"Thanks, but why."

"Why are you telling you, right? First, this is a reward for letting me go. Second, I hope you can smash the faces of those bastards like the branch and Silidun branch! Just like that, hang up Well, good luck to you."

Wang Chunliang held the phone in his hand and fell into thinking.

Not long ago, the male attendant at China Construction Bank was right when he said that in the competition for mortgages in Baihuayuan, the biggest competitor of Sanlimiao Branch was not other friendly banks, but the branch's personal loan center.

They will definitely not allow Sanli Temple to achieve results that will highlight their own incompetence.

Wang Chunliang had already expected that the personal loan center would report the loan approval issue to the branch.

But I never thought that the other party would actually bring down the accounting center of the risk department.

This is double insurance for the housing loan that killed the Sanlimiao branch!
If you are in doubt, you have to go to Mr. Shang.

After Wang Chunliang asked for instructions from President Liu, he immediately set off from the airport to the head office.

Mr. Shang is a little exhausted today.
Last night, he studied foreign languages ​​with the VIP customer service girl Y in the Hilton suite until three in the morning.

At this moment, in his sage state, he felt a little bored by those monotonous scenes. He took out his mobile phone and sent a text message to the little beauty X:
'You can make your own arrangements this week, I'm quite busy recently. '

He closed his eyes and rested for about ten minutes. There was a knock on the door, and he agreed to let the other party in.

Oh, it turns out that the quasi-consort is here.

Wang Chunliang made tea before Mr. Shang did and added water to his glass.

After a brief exchange of pleasantries, he took out a card from Hermès and placed it casually on the business manager's desk.

Mr. Shang thought it was a bank card or a shopping mall shopping card, and he almost jumped up in shock.

"Xiao Wang, what are you doing! Our bank has strict rules, you can't"

Wang Chunliang looked puzzled:
"Mr. Shang, look at what kind of card this is." Mr. Shang turned over the card:
"This is Yinghuang Cinema Diamond VIP?"

Wang Chunliang: "Yinghuang is our new marketing customer, and they have brought the new cinema model from HK to the mainland.

The theater is located in Wanxiang City, Sili Dun, not far from the head office.

Luo Wanning and I went to experience it a few days ago. The two-person VIP viewing box inside was a bit interesting. It was private but also had the excitement of a public place.

During this time, Wan Ning has been telling me that Mr. Shang also likes to watch movies, so I will apply for a VIP card for you. "

Mr. Shang: "Hey, Miss Luo is too polite. This is not a stored-value card, right?"

"Ang, it's a common membership card."

After hearing this, Mr. Shang breathed a sigh of relief. It was not a stored-value card or something like that, which meant that what he asked next was not that difficult.

He put the card in the drawer, took a sip of tea, and waited for Wang Chunliang's next words.

Wang Chunliang didn't let Mr. Shang wait too long. After giving him another cup of tea, he started the text.

He first truthfully reported on the branch’s current and future difficulties, and then began to complain:
"Mr. Commerce, it's hard to do business. The real estate will go on sale next week. What should we do if our own people are boring us into our own homes right now!"

Mr. Shang thought for a moment, then shook his head:
"According to the principle of three-level approval, for personal loans with an amount not exceeding 200 million, the approval authority reported by the branch is the personal loan center. Even if I say hello or even warn the branch's personal loan center now, they will just find another one when the time comes. Reasons such as the large number of loans and the need to queue up can justifiably push back the loans from your branch, and no one can take responsibility for them."

Wang Chunliang: "The approval authority for mortgages with an amount not exceeding 100 million can be delegated to branches."

Mr. Shang: "You have to be a level two or above. It's impossible for you to be a level four!"

Wang Chunliang leaned forward and whispered:

"There is a possibility that the retail department of the head office has designated the Sanlimiao branch as a special branch for housing mortgage loans."

Mr. Shang looked at Wang Chunliang in astonishment and murmured:
"You have done a good job in your homework. Vice President Zhang proposed this at the executive meeting the year before last and issued a document afterwards, but it has never been implemented. If you want to try it out, you need Vice President Zhang's nod."

"Nonsense! If this is really the case, the branch is derelict in its duties, but now your Sanlimiao branch is just talking and there is no evidence." The jealous Vice President Zhang objectively judged after listening to the statement.

Mr. Shang’s test:
"The Sanlimiao branch is quite motivated. Wouldn't it be a pity if it was delayed by the branch? Zhang Xing, I'm wondering if I can avoid this risk."

"Say!"

“For example, the authority to approve and issue small amounts is delegated to the Sanlimiao Branch.”

"They are a fourth-tier branch. How is that possible? Unless it is a special branch."

Vice President Zhang's eyes became sharp and he glared at Wang Chunliang.

"Okay, so it turns out you came to me today for this purpose."

Wang Chunliang looked cute:
"Isn't this all for the sake of the whole bank's business? We invested a lot of energy in the early stage, and now the number of potential mortgage customers has exceeded 100."

Vice President Zhang waved his hand with a playful look on his face:
"It's no use trying to draw a pie here. Only when the branch has achieved results can it ask the head office for policies. I've never heard of people asking for policies with an expected pie. But considering the possible resistance from branches,"

Vice President Zhang took out his calculator and continued to say while calculating:

"This time, the first phase of Baihuayuan opened for sale on the first day with 2 buildings, each with 32 floors and two staircases and four households, that is, a total of 2X32X4=256 households. Take 8% and then remove the fraction. As long as you can sign 200 orders on the first day, I will I’ll give you the name of a special housing mortgage loan branch!”

Wang Chunliang: “100 households.”

Vice President Zhang looked indifferent:
"You can choose not to accept it."

After 'driving away' Wang Chunliang, Mr. Shang also said goodbye and returned to the office.

He thought that Vice President Zhang had set an impossible goal and sentenced Wang Chunliang's plan to death. He might as well find an opportunity to return the previous VIP card.

He opened the drawer and took out the card.

A small line of instructions for use on the card quickly attracted him.

'This VIP card can enjoy 5 free viewings per month in a double box.'

Mr. Shang frowned, thought for a moment, took out his mobile phone and sent a text message to the little beauty X:
'Are you there? I'll take you to the movies tomorrow! '

　The setting of this novel about bank mortgage approval is based on city commercial banks.

　　The branch reports the loan → the branch’s personal loan center approves → the branch’s risk department’s accounting center disburses the loan.

　　Before 2010, some bank branches had very high approval authority and could approve loans of no more than RMB 100 million on their own.

　　
　
(End of this chapter)