Rebirth of financial migrant workers

Chapter 95 Condolences
Wang Chunliang and Sister Jun both sat upright, knowing that useful information was coming.

Wang Chunliang secretly checked the recording on his cell phone, and then asked the leading questions:

"Mr. Gan, I have two doubts. The 'other party' you mentioned should refer to the customers introduced by Zhang Hu to borrow money from you. So how do you know that they have a relationship with a branch leader? Even if there is a relationship, You don’t have to agree to borrow money.”

Gan Qingliang put out the cigarette he had only taken a few puffs on, leaned forward slightly, and became a little excited:
"To give you an example, Zhang Hu introduced a customer named Qianhui Trading at the end of last year, and they wanted to borrow 800 million from us. Lijun, you know, I am a timid person, and I will never I was involved in these private loans, so I refused directly. Not long after, Qianhui Trading invited me to dinner, and at the dinner table, I actually met Vice President Shi of our branch."

Gan Qingliang took out his cigarettes again, threw one directly to Wang Chunliang, then lit another one himself, took a strong puff, blew out a smoke ring, and then continued:

"After that meal, the boss of Qianhui Trading came to me again and wanted to borrow money, but I still refused. Zhang Hu told me in a vague way that if I was too disrespectful, there might be obstacles in approving the loan at the branch. I thought about it. Jinwu Grease has so many daily deposits at Sanlimiao Branch, and the bank has never had to worry about repaying money on time for many years. He must be considered a high-quality customer, so he didn't take his words seriously. Who knew that the new quota would be approved in the near future? The branch actually added several loan restrictions to us."

"Mr. Gan, you misunderstood. The new requirement for all shareholders to add personal joint and several liability guarantees is the branch's unified requirement for all small business customers this year, and is not specific to Jinwu Grease." Sister Jun intervened to defend.

Gan Qingliang: "That's what I said, but I always felt it was such a coincidence. After that, Zhang Hu introduced two more customers, who also asked me to borrow money. I was really annoyed and angrily advanced the loan from your bank. The settlement went to China Construction Bank, which has been trying to market us.”

Wang Chunliang: "Mr. Gan, when Vice President Shi met with you, did he explicitly mention the matter of borrowing money?"

Gan Qingliang recalled it carefully and shook his head:

"That's not there."

Sister Jun: "You can tell us the true situation of the loan refund earlier."

"After I really let you know, if I offend the leaders above, who will I go to if I am wearing a shoestring? Even if my loan is transferred to China Construction Bank, it is from the provincial financial system. That leader should say hello to the leader of China Construction Bank. What should I do?" Gan Qingliang's smile contained a bit of sarcasm, "Lijun, you brought the head office leaders here today, and our relationship with the construction industry is basically stable, so I dare to say more."

In the subsequent conversation, it was unclear whether Gan Qingliang really didn't know or whether he knew and was unwilling to tell. Wang Chunliang tried to dig deeper into the inside story many times but failed.

Wang Chunliang looked at the time and prepared to leave. Before leaving, Gan Qingliang said with great seriousness:
"I am a timid person. The content of today's conversation is only valid in this room. No matter you or anyone else comes to ask, I will never admit it again."

Since they were in the same industrial park, Wang Chunliang and Sister Jun arrived at Hengke Electric Appliances in less than five minutes' walk after leaving Jinwu Grease.

Different from Gan Qingliang's enthusiasm, Fan Yumei, the boss of Hengke Electrical Appliances, had a much colder attitude. It was only after learning the identity of Wang Chunliang's head office that she reluctantly allowed the two of them to enter the office.

When mentioning the reasons for repaying the loan, Fan Yumei's tone was even colder, and she only said, "I don't want to cooperate with a bank account manager who is a broker."

When Wang Chunliang further asked her whether she knew Vice President Shi, Fan Yumei waved her hand and said, "I have never heard of him or seen him before." Then she ended the conversation on the grounds that she had to attend social events after work.

Wang Chunliang followed Sister Jun back to Mr. Liu's Don't Touch Me. He was in a hurry and did not drive away. Instead, he listened to the recording again and thought about it based on the information he had obtained so far.

Sister Jun looked through the notes she had just taken and said somewhat depressedly:
"I didn't expect that the reason for the loss of customers was because of this. I, the marketing manager, really failed."

Wang Chunliang saw her huddled in the passenger seat in frustration, so he leaned over and fastened her seat belt, then patted her leg. "What does this have to do with you? It's actually quite common for loan officers to work as fund brokers. If a customer fails to pay, the account manager will help find bridging funds for turnover. This is a very normal behavior." Then Wang Chunliang changed the subject. , "But Zhang Hu and Vice President Shi have a vague intention of using their positions to threaten customers. It's a pity."

"It's a pity that there is no concrete evidence, and the customers are unwilling to come forward to testify." Sister Jun continued.

Wang Chunliang: "And have you discovered that, in chronological order, the bosses of Jinwu Grease, Hengke Electrical Appliances, and Meile Wedding Dresses were seduced into the game, and the methods of Zhang Hu and Vice President Shi became more and more secretive and professional? "

Sister Jun: "Yes, later Vice President Shi completely selected himself, leaving only Zhang Hu to lead the way."

Wang Chunliang said, "It's up to Wan Ruidong next." Then he stepped on the accelerator, don't touch me, and quickly entered the main road, speeding on the way back.

Two minutes later, Sister Jun's phone rang.

Wang Chunliang took a look and asked, "Does it belong to Vice President Shi?"

Sister Jun shook her head and pressed the answer button:

"Liu Xing, what's the matter? We'll be there in a minute." "Ah? Okay, I understand." "Well, I'll go over now, don't worry."

Sister Jun hung up the phone and said directly to Wang Chunliang:
"Turn around and take me to the HANDA4S store over at Auto City."

Wang Chunliang: "What's wrong?"

Sister Jun: "Zhu Changyuan, the boss of Ritong Auto Mall, passed away early in the morning. Now the banks that have credit cooperation with them have sent people to express their condolences. Just leave me at the door of the store later, and then go back and return the car to Liu Xing. He I have to attend a social event in the evening.”

There is a common sense in the financial industry that
For private small businesses, the business owner is undoubtedly the soul.

Small business loans are different from company loans. Banks say they are lending to small businesses, but in fact the main consideration is the character and repayment ability of the other business owner.

If a major change occurs to the other party's business owner, it will be a high-risk event for the bank.

So the irony is that when Zhu Changyuan passed away, the bank said it was there to 'condolence' and comfort his family, but in fact it was preparing to borrow money to drive his wife and children to death.

After Wang Chunliang entered the industry in his previous life, he only heard that Ritong Auto City was once a customer of the Sanlimiao branch. Now that he happened to encounter such a big event, he had to go there in person, whether for business or private purposes.

Wang Chunliang shook Sister Jun's cold hand:

"It will get dark in a while, and the Automobile City is in such a remote place. It is not safe for you to be alone. I will come with you. Besides, I also want to visit the proprietress of Ritong Automobile Mall. As for Liu Xing, I will let Wen Jing Drive him there."

(End of this chapter)