Chapter 166 I bring the autumn water to embrace the stars!

Author: A willow tree in the eternal blue sky

Chapter 166 I bring the autumn water to embrace the stars!

As a provincial-level branch of a national bank, in addition to lending, it also has the task of attracting deposits.

That’s why branches are subject to local restrictions.

Where can I save the money that has offended the local government, finance, and state assets?

Which bank can pay the wages of public servants and state-owned enterprise employees?

Most of the time, there is no need to say it explicitly, just by making eye contact, everyone knows what to do.

The bank has nowhere to complain.

Therefore, for local governments, banks must listen to the principle that there are no major problems.

Before TOP came to the market, Mr. Tian tailored a loan model for TOP - buyer's credit - in response to TOP's financial statement problems.

Does TOP sell computers?

It is estimated that ordinary people in China do not know that TOP is a complete computer sales company with a very high market share.

In the Xishu region, did they treat TOP as their own son? Everyone in the IT industry in Ziren, the local government came forward to find the country and all of them won over Donglai.

At that time, Fudan University tried to protect Ziren but failed to secure it, but TOP got it easily.

Mr. Tian drew a circle in the business scope of TOP's business license, and TOP's little-known complete computer sales business was born.

There is no sales fraud. The reason why TOP's complete computers are not well-known is because they actually sell computers to primary and secondary schools instead of setting up stalls in the market.

Buyer's credit means that the bank provides money to allocate the computer to the school, and the school transfers the money to the bank through education fees.

Correspondingly, there is a lot of TOP showing off.

TOP's demonstration products do not cooperate with telecom operators. Top sells demonstration products to telecom operators. In third-, fourth- and fifth-tier cities, telecom operators put the demonstration products on their own logos and give them to consumers to collect phone bills.

In fact, those two businesses are not very profitable at all. TOP can only find people to manufacture them. Each unit only earns a channel fee, and the gross profit is extremely low.

But if it is not reflected in the income in the financial statements, especially if it is not reflected in the operating income in the cash flow statement, then the flow will be loud.

The indicators that banks pay most attention to are in a complete mess in the TOP reports.

If it were just that, the loan model would be criticized, but it would still be compliant.

This is essentially a supply chain finance model.

Just seek compliance and nothing big will happen.

It is overwhelming, then Tian Zhongming is not capable enough, Xishu Branch is not capable enough in risk control, the question of competence is not a question of attitude, let alone a question of subjective will.

But no…

Tian Zhongming sighed.

Song Ruhua's villa is too hot to live in now.

Under his instruction, Xishu Branch provided a total of 1.8 billion yuan of buyer's credit lines to qualified units, thus enabling TOP Software's computers and software to be "applied" in the national education system.

Although everything is guaranteed by TOP.

But as the bank that knows TOP best, Tian Zhongming knows very well whether TOP can afford money, and he also knows the loopholes in the chain.

If the supply chain chain is broken at one link, the entire chain will be destroyed.

The bank gave money to the education system, and the education system gave money to TOP, but if TOP cannot deliver computers, the education system will not be able to rely on computers to charge fees. Without income, it will be difficult for banks.

It is even possible that those primary and secondary schools have actually collected money from parents, but the schools cannot provide computers.

Otherwise, the entire education system is in trouble, and a bunch of primary and secondary schools are in a state of "bankruptcy". Who can accept this?

In Tian Zhongming's view, the industrial park is nothing, but that is the biggest problem for TOP.

The industrial park is nothing more than a place to be deceived.

In fact, it is not possible for both sides to go east to negotiate.

After all, it is not the best way for everyone to play the game in a different way, and then exit the game with dignity, and playing explosive mines is the most easterly way.

But no, this is the education system. The people who are wrong in the end are the ordinary people who work hard to provide their children with education.

When the crowd was excited... Tian Zhongming felt like all ten of his heads had been chopped off.

So he can try his best to maintain TOP's bank credit, at least in the Xishu branch where he works, even if it is new or very old, there is no problem.

He understood Song Ruhua's letter of thanks to all walks of life for the anniversary celebration.

As for banks and other financial institutions, what Song Ruhua meant was, "I'm not prepared for the principal, but the interest will still be paid. We can't force him now, but we can support him. It doesn't matter if he likes us. But do you want to withdraw?"

If you borrow money to blow him up, you will bear the consequences.'

Tian Zhongming didn't want to upset TOP, so he resisted the request of the Xishu region and offered a loan extension for TOP at the height of the current crisis.

But he never expected that Western Shu's hatred towards Song Confucians would be so great.

TOP must be killed.

The external audit department of the head office came over, and someone he knew immediately told him if someone from Xishu had brought the matter to PBC.

The People's Bank of China is not a bank, but a regulatory agency.

So there is nothing the head office can do.

Tian Zhongming didn't know what to do at all.

In fact, he doesn't even have a chance to call Song Ruhua now.

At this moment, he has been notified by the external auditor to inspect and actually control him.

Tian Zhongming slumped in his seat, his mind a mess.

After a while, he gritted his teeth.

A dead Taoist friend will never die a poor Taoist!

Sooner or later, your own problems will be discovered.

It is better to be honest and lenient.

He stood up and quickly opened the door. He looked at the staff of the Procuratorate at the door and said, "He wants to report!"

…

At the beginning of the century, every big city had a street with various electronic equipment stores, including a super-large supermarket called Computer City.

Generally, when installing computers, customers will not be able to get the configuration sheet first after they arrive.

Each company will have its own configuration list, which is more or less the same. It is a table that lists all the components required for a computer.

That configuration list is basically the menu that will be slaughtered after entering the computer city.

Generally speaking, such a set of choices is similar to a la carte platter, with certain restrictions. For example, the CPU type and basic motherboard chip are determined, but the brand is optional, and the external memory type is also determined.

But except for some accessories, the selection is very small. For example, there are only 2 or 3 brands and several models of CPUs to choose from, but there is a lot of room for everything else.

The key is that it can be freely combined, which is much more flexible than brand-name machines, and the price is relatively cheaper.

As for the profits of those computer installers in the computer city, there are shrimps and crabs.

For most boys, at that time, the most popular place to visit was the Computer City.

Not only are there a lot of strange gadgets, but every weekend there are dancing performances by some cool ladies in the Computer City, which really attract the attention of boys.

The eyes of Liu Jianhong, Wu Jun and Zhuo Lang were attracted by the girls singing and dancing in front of them.

The halter top and heated pants, the red thighs, the tender pink navel, and the basketball beating to the beat stopped them in their tracks.

"It's so exciting!" Zhuo Lang wiped his lips and his eyes kept turning in the direction of the dance of the young lady on the stage.

Wu Jun couldn't help but licked his lips, "I have to say that the singing and dancing of the Silla actress is one of a kind!"

The song and dance being performed on the stage is "Coming of Age Ceremony" by Park Ji-yoon.

"It's true that the original MV is very exciting, it looks no different from the original film."

Liu Jianhong, who had tasted the forbidden fruit with Guo Ruixi after the college entrance examination, shrugged his shoulders and said that the two junior brothers had never seen the world at all, and the dances and movements on stage were not abridged versions.

That's it?

His heart is as still as water, without any disturbance, so he appreciates it.

Of course, the most important thing is that his steel green plum is also in the computer city at the moment. If it is seen, the morning confinement will not be easy.

Wu Jun and Zhuo Lang exclaimed, as if they had never seen the film.

They really had never seen the original MV of Bu Nao, so they asked Liu Jianhong to copy the USB flash drive and bring it over tomorrow.

"Hey! I'm late, please be scolded by Chairman Chen."

Yuan Da, who was behind the three of them, pushed a trolley and urged them impatiently.

"Alas! Lao Yuan, only fishing is the fun of part-time job!"
To be continued...