Rebirth of financial migrant workers

Chapter 90 Branch leader’s money warehouse

"What is the purpose of this?" Sister Jun felt a little confused.

Wang Chunliang clasped his fingers and explained:
"First of all, new department managers who have large amounts of overdue non-performing loans will definitely not be promoted until the collection is completed."

Sister Jun nodded and said vaguely: "Most of the customers of the Sanlimiao branch are old customers, and there are almost no bad ones now."

Wang Chunliang shook his finger:

"The Sanlimiao branch now has no NPLs. It's not because of how well it has managed risks, but because Mule Bank merged with Rural Credit Cooperatives in the past few years and later the state carried out several batches of write-offs, and all the previous problem loans were written off. Issues left over from history are not recorded in the table. You should know this better than me."

Seeing Sister Jun nodded again, Wang Chunliang continued:

"Sister Jun, you have been a marketing manager for so many years, and you should know more or less that some old customers can neither distribute deposits nor generate income. The reason why you can get stable loans from Mule Bank every year is because of the relationship between the head office and branches. Some people 'have deep connections'."

Sister Jun quickly covered Wang Chunliang's mouth and said sternly:

"Don't say this kind of thing in the workplace. Be careful that walls have ears."

Wang Chunliang took away Sister Jun's hand with an indifferent expression:
“The high-quality customers in the hands of the leaders of the head office and branches have all been introduced to special and first-tier banks, such as our fourth-tier banks and individual third-tier banks. They have no hope of achieving results at all, and the introductions are all crooked. , they took the benefits and left the risks to us. To put it bluntly, we are just their cash warehouse."

These words were actually realized by Wang Chunliang after he learned about the real shareholders of Pegasus Machinery and based on his memories of a series of bad loans in his previous life.

Branches at the end of the crane like Sanlimiao are the best places for branch presidents, deputy presidents, and department managers to place favor loans.

Because the status of the fourth-level branch presidents is low, they can do whatever they want.

Because the fourth-level branch presidents have few resources, they choose to take the high risks of these favor loans. in exchange for favors from leaders.

Because the fourth-level branches do not need to show face to their superiors or peers, they can just find a few poor scapegoats to take the blame if there is a problem with the loan.

Wang Chunliang leaned close to Sister Jun's ear and said seriously every word:
"Do you know why Cui Changsong from the branch's credit review department almost never blocks our bank's loans? Because the tuition fees for his son's aristocratic school were paid by President Liu from our branch's expenses."

Sister Jun opened her mouth, unable to speak for a long time.

After seven or eight seconds, she recovered from the shock and asked softly:

"Isn't Cui Changsong known as a selfless person? Liu Xing doesn't look like such a person, let alone how do you know such a secret thing?"

Of course Wang Chunliang would not tell her that in his previous life, he had seen the tuition invoices of Cui Changsong's son Cui Yiming over the years when President Liu left office to help him collect materials.

So Wang Chunliang made up a random reason: "I heard it from someone at the branch, but the information is absolutely reliable" to fool him.

"Sister Jun, let's take a look at the loans first. First, to avoid non-performing problems during this period, which will affect your qualifications for promotion; second, to sort out who is related to each favor loan. This is very important." Wang Chunliang urged. road. In fact, Sister Jun didn't want him to get involved for the purpose of protecting Wang Chunliang. After all, the water here was too deep, and he, a newly graduated student, could easily be involved in various interests and be shattered to pieces, so under Wang Chunliang's control, When Chunliang wanted to access the files, he always made vague excuses.

Only now did she realize that this newcomer to the bank was so knowledgeable about these matters, so she stopped being secretive and directly opened the file cabinet of the branch's corporate loans.

Looking at the extremely familiar filing cabinet in his previous life, Wang Chunliang felt very warm. He took out one piece of material after another and recalled it carefully.

One thing Wang Chunliang didn't tell Sister Jun was that he checked the loan files for another reason, which was to use the memory of his previous life to accurately find out which of the current existing loans would cause problems and involve Sister Jun.

But what is unsatisfactory is that in the previous life, Wang Chunliang only entered the corporate department from the counter to contact corporate business in the second half of 2010, which left a memory window of more than half a year. In addition, it has been a long time, and some The memory was very blurry, so Wang Chunliang spent a whole morning using up almost all his brain cells to sort out only half of the files.

Seeing that Wang Chunliang finally stopped, Sister Jun took out a notebook and interrupted: "This is the ledger I have recorded over the past few years. The leaders who have greeted me and the corresponding loans are all recorded in it, but there are many others. The greetings to Liu Xing were not recorded."

Wang Chunliang touched the other party's head, took the book, and browsed carefully.

"I know that you are a top student in a prestigious school and you know a lot about theory, but you are not very good at practical loans and theory." Before Sister Jun could finish her sentence, she was interrupted by Wang Chunliang.

I saw him pointing to the post-loan materials of a loan.

Sister Jun lay down and looked through it for a while, not sure why:
"This is Meile wedding photography, what's wrong?"

Wang Chunliang: "Compare the credit report after this loan period with the credit report when our bank issued the loan three months ago."

Sister Jun: "Hey, there is an extra 3000 million yuan in loans. This layman's loan was issued just 4 days before our bank issued the loan. No, no, we have to calculate it before issuing the loan. If Meile has already borrowed 3000 from a layman, If it's 2000 million, then we will definitely not agree to issue another million bank loan."

Wang Chunliang clicked on the time of the credit report and explained:
“First of all, in corporate loans, credit reports are displayed with a lag. Most banks’ credit system data are not approved when they issue loans on the same day. Therefore, the credit system can only transmit the loan information to the central bank’s credit report the next day. The backend, this is the first step of delay. The credit reporting backend collects data and displays it on the report only after it is sorted, which is the second step of delay."

After Sister Jun nodded to express her understanding, Wang Chunliang continued to explain:
"Secondly, an expert operated this loan, which caused a delay in the third step. Sister Jun, as you know, our bank's requirement for the credit report time limit when reviewing corporate loans is that it is valid within three days. Let's look at the 2000 million loan The time of the credit report at that time was stuck three days before the loan date. This operation just made the loan examiner unable to see that the layman had actually issued a loan of 3000 million yuan."

"Yeah, that's the logic!"

"If something goes wrong with the loan afterwards, and the head office and branch hold personnel responsible, the account manager who submitted the loan application can almost be exempted from liability because he has done written due diligence. On the contrary, Sister Jun, as the reviewer, will bear a very serious responsibility for the post-loan process. responsibility."

Wang Chunliang touched Sister Jun's arm and asked word by word:

"If I guess correctly, this account manager should have been transferred to the branch, right?"

　Thanks for the tip, Master@cheese-loving fish.

　　Among traditional corporate loans, large-amount small business loans and corporate loans mostly use the model of applying for a quota and then disbursing a single loan. It is similar to applying for a credit card limit for an individual and making a single purchase. However, according to the pre-loan and post-loan requirements, each time a single loan is disbursed, a disbursement investigation report needs to be written, and the latest corporate credit report must be attached. In the early years, due to the time limit for credit reporting, there were cases where customers took advantage of the time difference to take out multiple loans, resulting in excess loans.

　　
　
(End of this chapter)