Rebirth of financial migrant workers

Chapter 94 New clues
"Liu Xing, I firmly disagree with lending. The customer is now involved in private lending. With a large amount of funds invested in projects under construction and Elephant Bank preparing to withdraw loans, the probability of directly becoming a defaulting enterprise is very high." Wang Chunliang told you Sister winked.

After receiving the signal, Sister Jun's eyes flashed twice, "Chunliang." Perhaps because she felt that her initial tone was too gentle, she quickly coughed twice and said again:
"What a good Wang Chunliang! You don't listen to the leadership's arrangements and colleagues' dissuasion."

President Liu stretched out his hand to interrupt Sister Jun and said doubtfully:

"Wait a minute, let's not talk about anything else. Isn't Xiao Wang from the retail department? Why is he doing corporate business?"

Sister Jun folded her arms and said angrily:

"I just wanted to teach him some corporate business with good intentions, so I gave him a few loans that were originally managed by Zhang Hu. Who knew that as the new account manager, he would give a red light to his clients right away."

"Okay, okay, Lijun, don't be angry. As for the loan, you can just take care of it and focus on stability." Manager Liu left with a smile.

Sister Jun closed the door and asked Wang Chunliang in a low voice:
"Is that what I just performed like that right? And what's going on with Liu Xing, why don't you ask any questions?"

Wang Chunliang nodded:
"Liu Xing is going to leave soon. Completing this quarterly target will be his last answer before the rotation. As for the matter of recovering and re-loaning this kind of loan, he definitely doesn't want to participate. He should protect himself. It won't take long. , Vice President Shi’s phone number will be called directly to you.”

"Should we check other loans under Zhang Hu's name to see if there are also problems." Sister Jun opened the filing cabinet and prepared to take out all the original loans under Zhang Hu's name.

Wang Chunliang patted her:
"No need. I pulled out all the loan balances in his name from the credit system. I feel that the problem is not big. I will check again to see if there is anything missing."

Sister Jun checked it carefully and shook her head:

"That should be it. Then I will take a look at the post-loan materials for these loans this quarter."

Wang Chunliang could not tell her that based on past life experience, these loans had not become overdue again, so he could only pretend to look through the files with her.

Half an hour later, Sister Jun stretched out:
"After reading them all, except for Meile, none of the existing loans under Zhang Hu's name have the same situation."

Wang Chunliang suddenly had an idea and caught a certain keyword. Then he reopened the credit system and searched quickly, which aroused Sister Jun's curiosity.

Sister Jun: "Are you checking the loans that have been settled this year?"

Wang Chunliang: "Well, do you think there is anything special about these loans that have been paid off but not renewed?"

"Most of them were due to policy reasons or customer operation problems, and we voluntarily withdrew; only Jinwu Grease and Hengke Electric Co., Ltd. were customers who actively proposed that they would change the credit bank and not renew the loan. We had retained the customers at the beginning, but the customers left. The will is very determined.”

"Are these two customers old customers of our bank?"

"Yes, they have been old customers since I joined Sanlimiao Branch. Moreover, these two customers are among the best in their respective industries in Hedong City. Under normal circumstances, the fund flow in the settlement account is very abundant. The credit scale is also very stable, and we never need to remind you when it comes to interest settlement and repayment. It is really a pity to lose it.”

"Sister Jun, have you noticed that these two customers are similar to Meile?"

Sister Jun’s eyes lit up:
"Indeed, if Meile did not invest in the photography base, the operating conditions of these three companies would be very similar."

"Let's go, let's visit the CEOs of the two companies again. Ask about the real reason why the loan was refunded in the first place, and see if there are any unexpected gains."

At the same time, President Liu, who was sitting in the office smoking Huazi and admiring the current sub-branch operating indicators, received a call from Vice President Shi again:

"Liu Bo, what's going on with Meile's loan? Can you lend it to someone tomorrow?"

"President Shi, I was just about to report to you. Now there are some flaws in Meile's capital level. The account manager firmly disagrees with the loan. I'm still doing his job here."

"Who is in charge of the household? Dare you disobey the leadership?"

"Wang Chunliang."

"Why is he everywhere! Who is the corporate manager of your branch?" "Wang Lijun, I wonder if you still remember him."

"Oh, remember, she has a pretty face and a nice figure. Ahem, what's her attitude?"

"President Shi, I have convinced Wang Lijun. She later quarreled with Wang Chunliang over whether to renew the loan."

"Okay, I understand. You try to convince Wang Chunliang. If that doesn't work, find someone else to do it." Vice President Shi hung up the phone.

Zhang Hu in front of him said angrily:

"This is Wang Chunliang again. It is said that he has rectified the retail department and personal loan center of the branch, and now he is involved in corporate loans."

"Wang Chunliang, we have a good relationship with Vice President Zhang of the head office. The business that Vice President Zhang is in charge of includes credit and risk, which is really troublesome." After saying that, Vice President Shi looked up at Zhang Hu, his eyes becoming sharp, " You didn't say anything inappropriate to Wan Ruidong like you did last time, right?"

Zhang Hu's heart tightened and he stood up straight in a hurry:
"Definitely not. I didn't say anything. He wanted to lend money, so I handled it for him."

On the other side of the story, Wang Chunliang drove Sister Jun to Jinwu Grease Co., Ltd. in Mr. Liu’s Don’t Touch Me.

"Hey, Lijun is here. Are you here to sell loans again? But we have already borrowed from China Construction Bank."

"Mr. Gan, I haven't seen you for a long time. I came to see you."

"Then who is this?"

"I brought Wang Chunliang from the head office to investigate the reasons why high-quality customers have withdrawn their loans. The head office also feels that it is a pity to lose customers like Jinwu Grease."

"Haha, didn't I mention the reason before? The interest rate offered by the construction company is low and the mortgage rate of the property is higher."

Wang Chunliang took out the details of the Jinwu Oil Loan that he had obtained from Mr. Jian, and was very puzzled:

"Mr. Gan, the loan interest rate we have given you has always been 20% higher than the benchmark, and the residential mortgage rate is 70%. These two conditions are exactly the same as those for current construction projects. Are there other factors, such as front management? Is the account manager Zhang Hu not providing adequate service?"

Gan Qingliang: "Why didn't Zhang Hu come with you today?"

Sister Jun: "He was transferred to the branch three months ago."

Gan Qingliang took out his cigarettes, and when he saw Wang Chunliang waving his hand, he lit one himself and took a deep breath:
"Mr. Wang, you are from the head office, right?"

Wang Chunliang nodded. Gan Qingliang hesitated for a moment and continued:

"I have cooperated with Sanlimiao Branch for so many years, and I must have feelings for him. I don't want to change the bank I work with. But Zhang Hu from your branch doesn't get along with me, so we can't cooperate."

"Ah? Then why don't you tell me? There are so many account managers in our branch. You can choose as you like." Sister Jun was very unwilling.

Wang Chunliang: "Now that Zhang Hu is no longer in the branch, you have told us exactly what he did."

Gan Qingliang: "Zhang Hu repeatedly introduced other people to borrow money from me."

"Then you can completely refuse and then complain to the branch leader."

"If the other party is involved in the relationship with the branch leader, how do you want me to complain?"

(End of this chapter)