Chapter 12

In April, all the credit indicators of the provincial bank have been reduced, and those who are competing for food on this plate must take action.

Every year at this time, it is a time when my job is difficult to do.

It’s not that I’m worried that these loan indicators will not be issued, but that there are too many people who say hello to all parties, including provincial schools, local schools, subordinate schools, leaders, and friends. There are too many monks and less porridge.

Maybe I am a person who works too seriously and rarely gets granted loans from me as long as they are non-compliant loans.

Even if the industry leaders come forward to plead, if the risk is too great, there will be very few people who have passed it here.

Because of this, some people in the industry have long wanted to get me away from the credit department, but I only eat and drink but don’t accept prostitutes. My previous lifestyle has always been fine. I am a recognized good husband of women in the industry (whether unmarried or married) who can’t catch me. Others can’t catch me and have no reason to get me on the table.

Some people also thought of other ways in secret, but failed.

Last year, the president of a county branch was found out that the mistress was found (both illegitimate daughters are over three years old). The county discipline inspection commission brought a group of people in, and found out that there were many chaotic places in the branch. It is reported that hundreds of thousands of small treasurys were unknown. The procuratorate took away three people in one afternoon (two of them had mistresses).

This incident had a great impact on the local area, and the reputation of the Bank of China plummeted. The provincial bank leaders were extremely furious when they learned about this. The executive vice president of the provincial bank personally led a team to Jiangdu City to supervise and investigate the situation on the spot.

When the provincial bank leaders held a coordination meeting at the municipal bank, they must send someone who is capable and capable. Someone on the spot blew me up and said that I am a capable and capable person and are the best candidate for that position. It seems that if I go there, I will be able to turn the world and create glory immediately.

When the provincial bank leader heard that there were such people in Jiangdu City, he immediately prepared to give me instructions to send me down. Fortunately, the provincial bank credit director accompanied me and sang a counter-topic at the meeting. In addition, Liu Tianming, the top leader of the municipal bank, has been very dependent on me and dare not let this stall go to others. As a result, I still did not become the imperial envoy.

Haha, it sounds nice in the open, it is to be the president, it is to use it, and secretly it is those people who want to transfer me from this key department to avoid hindering their affairs.

My work attitude is not only related to my consistent work style and work attitude, but also related to the clearing of non-performing assets of the four major state-owned banks in previous years.

When I was transferred from the urban branch to the branch as deputy manager of the credit department, I happened to catch up with the four major state-owned banks to start divesting non-performing assets, which also allowed me to learn a lot of shocking inside information.

How many of the loans issued by the four major state-owned banks in the past few years have been put into their personal pockets?

I can't take it back, so I'm anxious to deal with it. Haha, I happened to catch this train, so I quickly rushed to report it as a bad asset and divested it out. The national finance paid the bill, so the loan basically didn't have to be paid back.

After divesting non-performing assets several times, I don’t know how many people are hiding behind and laughing.

I remember when I accompanied the branch president to Hainan in early 1993, I met another county branch deputy president. The bank lent a company 50 million to Hainan for land speculation (later increased by 20 million). The deputy president followed the company to Hainan for on-site supervision.

At that time, the deputy president was driving a Toyota car, holding the steering wheel in one hand and the mobile phone in the other hand and making phone calls (the mobile phone was not like now, even those who were asking for money on the street). There was also a beautiful female secretary sitting next to the car. Her style made our president envious for a long time and insisted that I contact other companies to pay for loans.

At that time, I read a lot of newspaper reports and searched for a lot of information. I found that the situation was a little wrong. It was too late for us to go to speculate. The real estate industry is too hot now, and the country will not let it go, but I am afraid that it will immediately stop the brakes. When we go at this time, we will only die.

Under my strong opposition, our branch did not invest a penny in the south.

In less than half a year, under the iron face of Premier Zhu, banks obediently stopped sending funds to the south, and the heat wave of land speculation soon receded.

After the investigation, the entire Jiangdu Bank of China system invested more than one billion yuan in Hainan, Beihai, Guangxi, and Huizhou, Guangdong to speculate on land. Except for our branch, the others invested more or less. In addition to the part that started investing, some profits were divided into small treasuries of various banks, and in the end, nearly one billion yuan was always spread on the land in the south that would have grown money.

Although our branch did not lose a penny, the branch president lived a stable life afterwards than the presidents of other banks, and the employees of the branch could be unsatisfied.

Although other branches died in the south with loans, the money they received was all in the small treasury. Some of the employees paid one to two times more than us at the end of the year, not to mention the benefits obtained by the branch leaders and the staff involved in the matter.

By 1999, non-performing assets were cleared, and all loans that were pitted into the land (and of course some of them were put into personal pockets) were cleared out as non-performing assets, and the state finance paid for it.

And what about the branch involved in land speculation?

No one was punished for this, but instead suffered a lot of benefits.

Compared with the two, our branch suffered a big loss.

The four major state-owned banks divested non-performing assets twice, divesting more than 2 trillion yuan in total. What about the other ones except for the original policy factors and the part of the administrative intervention of local governments to solve the dangers of state-owned enterprises?

It was lost in vain, who was responsible for it?

Of course, the problem of non-performing assets has always been the biggest problem in China's banking industry, and has become a heavy burden and obstacle to China's banking industry reform and development. The divestiture of non-performing assets is also due to the situation.

When I participated in the divestiture work, although I felt very dissatisfied with it and many loans did not meet the divestiture requirements at all, I could only follow the trend.

But once a large amount of state-owned assets are stripped away, no one except the state will be responsible for it, which is always a disgusting feeling.

The bank's books are beautiful, the capital adequacy ratio has increased, and the proportion of non-performing assets has decreased. However, what is lost is the country's money. How many problems can be solved by using this money on the people?

I can't control the past, but I always don't want such a thing to happen again when I pass by it.

Of course, there are still exceptions that are inevitable. Sometimes the mayors ask the president to go to the Hongmen Banquet, and the president has to complain to me the next day. I knew he couldn't stand it, so I had to turn a blind eye.

Fortunately, after my adjustments over the past few years, the Credit Department has basically been a serious and responsible person, which has also put a lot of pressure on me.

I'm going too far, so let's get back to the topic.

Just as I started working that morning, Zhu Junwei (the pig head mentioned above) came to my office and threw a bunch of materials to me: Boss, this is the loan application information for Yimin Pharmacy. Ma Tao and I have read it several times, and we have also gone to their place to verify the materials. The information reported is basically true, and I think we can give them a loan.Manager Liu wants to ask you to go to their place to check it out. You can take a look at these things first. If it is okay, will you go to their place to check it out when you have time?

OK, I'll take a look first.

This Yimin Pharmacy (now its full name is Yimin Pharmacy Co., Ltd.) is the first open pharmacy in the city, and the drug price is nearly half cheaper than that of a large hospital.

I heard that when it first opened, I was under pressure from all sides. After closing the store at night, I was hit by a few times. Major hospitals in the city were also preparing to join forces to ban the manufacturers that supply Yimin Pharmacy, which made some manufacturers want to remove the medicine from the shelves.

Later, somehow, the city TV station and Jiangdu Daily reported it for a while, and the government finally intervened. The hospital's ban was left alone, and the drug prices in various hospitals also dropped (of course, those prescription drugs or medicines that cannot be provided by outside pharmacies are still huge profits that we could not imagine). The people saved a lot of money from buying medicine.

Liu Fangyi, the owner of Yimin Pharmacy, met me. He had a meal with me. He was a thin and very capable person. He used to be a medicinal material business and may have done a lot of fake drug business. It is said that he has made 10 or 20 million yuan. Later, he targeted the affordable drug market for citizens and switched to a legitimate drug business and opened two pharmacies, which are not small in scale.

There are many rich people in China who will not be too clean in their first pot of gold, but after they have money, as long as they do a legitimate business, they will generally be very serious about becoming bigger and stronger.

These bosses should be very high-quality customers for banks.

Of course, it is a different matter if Gu Chujun and the Tang brothers abandon their main business after making some money and just relying on capital operations to achieve Li Ka-shing's great career overnight.

Judging from the reported materials, Yimin Pharmacy has assets of more than 30 million, while the loan is only 2 million of that of a credit union. It is really a good company. For some reason, other banks didn’t take the lead?

If you think about it carefully, Yimin Pharmacy is a private enterprise. If you really can’t get it back after the loan, it is not comparable to a state-owned enterprise. No one dares to take on this burden.

In fact, in addition to tobacco factories, wineries, power plants and water plants, which other state-owned enterprises in Jiangdu are worthy of loans to banks?

I used to think that Yimin Pharmacy was a high-quality customer, especially after meeting Liu Fangyi, although he was just a friend, it made people feel that this person is not exaggerated or show off his own wealth, and is a person who does practical things.

When I am unsure about whether to provide a loan for a certain project, I have to contact the top leader of the unit and decide whether to take a loan by understanding the top leader of the unit in person.

Although there are inevitably personal likes and dislikes in this, it is difficult to have a better solution in the current situation where the channels for understanding corporate information are still very narrow.

Since the urban branch has reported it, I happened to go to explore Liu Fangyi's base camp.

Zhutou, please contact Yimin Pharmacy and just go this afternoon.You go with me.I called Xiao Zhu.