Wang Chong said to Zhang Feifan, "Didn't I tell you that you should always think about your own mistakes while sitting in meditation. Don't talk about others' mistakes in casual conversation. Do your own things well. Don't always think about some gossip, which will not be good for your career."

Zhang Feifan retorted: "Master, don't you often teach us that as a bank practitioner, whether you look at problems or people, you need to obtain sufficient information from multiple angles and channels, analyze and utilize it, so as to make the most fair judgment? You also said, read more, listen more, think more..."

Wang Chong interrupted: "I didn't ask you to say more. OK, since you are so leisurely, here is a notice from the Donghua Banking Regulatory Bureau, which is about further deepening the rectification of chaos in the banking market. You can combine the previous '3340' documents to make a work plan for our credit department."

When Zhang Feifan heard this, he wanted to slap himself. He was very serious about doing things, but he hated handling official documents and writing reports the most. He raised his hand and said, "Master, I was wrong."

"What's wrong with you? I've been following me for more than a month and I've learned to refute me with my words."

"Is this the legendary way to give to him?"

Wang Chong said angrily: "Have you read too many martial arts novels?" He took out a piece of A4 paper from his desk, which listed some key points and main measures for rectifying market chaos. "Look, I have listed all the outlines for you. I will study them carefully and give me the first draft tomorrow morning."

Zhang Feifan said: "It's only been half a day? Master, I recently had a girlfriend and I have to date in the evening. Can I be gratified for two days?"

"Oh? Are you in love?"

Zhang Feifan said, "Didn't you say that you always think about your own mistakes while sitting in meditation, don't talk about others' mistakes? Have you also changed your gossip?"

Wang Chong didn't expect that this kid would actually learn and sell it now, waiting for him here, and he made a gesture to say, "Get out and give it to me the morning after tomorrow."

Zhang Feifan took it reluctantly and walked out in shame.

During this period, Zhang Feifan followed him to learn business and made great progress. However, as a grassroots employee, it is far from enough to do business. More importantly, he has grasped the entire industry and understood the regulatory policies. Wang Chong felt that although this guy was willing to endure hardships, he lacked systematic learning and understanding of the entire industry. What he learned in school before obviously could not meet his needs for career promotion, so he deliberately let him get in touch with these things to achieve the goal of further training him.

Ma Xiaoxiao's newly opened "Xiaoxiao on Finance" column in Donghua Daily. The first issue was about maintaining personal credit reporting. Unlike preaching articles, the column uses easy-to-understand language and a large number of cases to popularize the basic knowledge of credit reporting in an easy-to-understand manner, which has received widespread praise from the society, and has even been praised by the Propaganda Department, and has asked to write more common sense about inclusive finance, which has inspired Ma Xiaoxiao.

However, this incident made Wang Chong suffer. In addition to his work in the bank, Wang Chong now has another task to provide Ma Xiaoxiao with column topic selection materials and cases. Fortunately, Wang Chong has been in the industry for so many years and has accumulated a lot of practical information so that Ma Xiaoxiao will not have nothing to write.

Lin Tianhua sat in the office. He had just joined the city finance work conference from the municipal government. Recently, the central bank issued a series of policies to release water in disguise, but the overall economic situation was not optimistic. The liquidity released has flowed into the real estate market and capital market, and the real economy is struggling. At the meeting, Deputy Mayor Li, who is in charge of economy and finance, repeatedly emphasized that major banks should support the local real economy, and strongly support the major customers in the city. We must never withdraw loans, and emphasized that this is a political task.

After the meeting, Deputy Mayor Li interviewed Lin Tianhua alone, saying that the 600 million yuan corporate financing that Tianma Group is about to expire will face unsolvable risks. He directly demanded that Lin Tianhua continue to increase its credit to Tianma Group, otherwise Tianma Group will experience systemic risks and will cause a devastating blow to the city's economy. The State-owned Assets Supervision and Administration Commission and China Merchants Group are the largest shareholders of Donghua Bank, occupying one-third of the seats in the board of directors, which puts Lin Tianhua feeling much pressure. Especially, Donghua Bank will be listed next year, and the assessment indicators must not be too ugly by the end of the year. However, through this investigation, he is not optimistic about the asset quality of the entire Donghua Bank. Although the non-performing loans on the 1104 statement are less than 2%, in fact, some restructuring loans and manual intervention loans are not included. If loans overdue for more than 90 days are included, the real non-performing rate will exceed 6%.

There are two pieces of information on the desktop, one of which is a discussion draft of "Proposal on Deepening the Reform of the Division" written by him by the Strategic Planning Department and McKinsey. Donghua Bank carried out the reform of the division three years ago, but the overall reform effect was not good. In addition to changing the name, the specific operations and authorizations still followed the original management model. The reason why it did not continue to be promoted is related to the struggle between various forces in the industry. After a long struggle between the New Donghua and Laocheng Xin factions, they gradually reached a balance and tacit understanding, which hindered each other. Although Lin Tianhua was very strong, he still felt a little helpless.

Reform is seeking death, not reforming, and waiting for death. Originally, Lin Tianhua wanted to reshuffle the power distribution of the entire Donghua Bank through this reform department adjustment and authorization change, and firmly control the entire Donghua Bank. However, after submitting this proposal to the board of directors, there was no following, neither affirmation nor rejection, let alone the matter of the board of directors.

Since the senior management does not support him, Yilin Tianhua's personality will never compromise. He needs a war-friendly breakthrough in the future and breaks the power balance within Donghua Bank, and this person is Wang Chong.

Another document is a top-secret document, which records the investigation report of Zhou Yuntao's credit investigation.

Not long ago, with the help of special credit investigation and comprehensive case prevention investigation, Lin Tianhua instructed to investigate Zhou Yuntao's credit record when it was modified. After Wang Chong went to find Zhou Yuntao, the next day, someone logged into the credit investigation entry system and deleted the record of Zhou Yuntao's manual intervention in credit investigation. However, it was a secret. This record was recorded by the backend log of the Ministry of Science and Technology, and it was determined that the person who modified it was Gai Shujie of the Credit Review Department.

Lin Tianhua didn't have a deep impression of Gai Shujie. He used to be in Pujiang Branch. He was cautious and had no outstanding business ability. He basically did not make any mistakes. He was a mediocre employee. He had the right to modify data, but if he had no instruction from the senior management, he would not dare to do this.

Lin Tianhua called Wang Chong: "Do you know this person Gai Shujie?"

Wang Chong replied: "When I first joined the company, I stayed with him for a while in the Pujiang Branch. I was not very familiar with him. What's wrong with Lin Xing?"

"I've found someone to investigate. Zhou Yuntao's credit record was modified by him."

Wang Chong was a little surprised, "How is this possible? This man is taciturn and cautious in his daily life, so he is afraid of taking responsibility for making mistakes. Later, he went to the credit review department of the head office. When I dealt with him, he didn't even say a word, for fear of offending others."

"Who do you think will let him do this?"

Wang Chong thought for a while, "Why should I talk to him?"

Lin Tianhua denied this suggestion, "Don't alert the enemy, I'll think of a solution. By the way, I've read the risk investigation report of the Credit Department of your Chengdong Branch. It was thoroughly investigated and the problems were exposed very well. However, it's not enough to just find out. You must also do a good job of preventing it. I don't want to see your Chengdong Branch breaking out in a concentrated manner before the end of the year."

Wang Chong said: "I also realized this. I followed this time and visited the risk companies on the spot, striving to eliminate the risks in the time of Sumeru."

"I'm calling, there's one more thing."

"President Lin, please give me instructions."

Lin Tianhua said: "The municipal government arranged for us to increase the credit of 650 million to Tianma Group. I thought about it and it is more appropriate for you to do this business."

Wang Chong shouted on the other end of the phone: "Lin Xing, such a large business exceeds the authority of our Chengdong Branch? Is it more appropriate to let the head office business department or the company business department Mr. Kang do it?"

Lin Tianhua pretended to be unhappy and said, "You don't have to worry about the issue of authority. You just need to do a good job in the early credit investigation."

Wang Chong is still unwilling to take over: "I have learned about Tianma Group. Last year, I helped several companies with bad debts, and their external debts are close to 10 billion yuan. Our bank has already granted them a credit of 1 billion yuan. Now they are making a big deal. I don't recommend intervening in this business."

Lin Tianhua said angrily: "This is a political task. If you can't do it, I don't need to be the president anymore. You are the director of the business department, let alone be the director. Do you have confidence?"

Wang Chong said: "To be honest, I really don't have much confidence."

"Do you have to do it without confidence, execution!"

Wang Chong said: "Yes!"

"I'll ask Kang Shaojie to give you the contact information of their financing department later. You can contact us again. We will get it out before the end of the year."

Wang Chong thought to himself, "It must be completed before the end of the year" is worth pondering. On the one hand, it has to be done for them, but on the other hand, it is not in a hurry. It seems that Lin Tianhua is not willing to do this business, but after the superiors arranged it and not executed it, it is a wrong route, and if the execution is not done properly, it is a problem of ability.

"This is to make me sloppy." Wang Chong thought to himself, but Wang Chong is not a person with this personality. If Kang Shaojie were the ones, there would definitely be ways to deal with this situation. "It seems that I have to find Kang Shaojie to learn from the scriptures."

Gu Tiande asked the driver to park the car in the special parking space for the cash car and got out. At noon, he invited Liang Youwei, the agency department to have a meal, drank half a pound of Maotai, then did a foot massage, and came to the business with a hint of wine.

He learned the news that the head office arranged for Wang Chong to take out a loan from Tianma Group, but Lin Tianhua bypassed him and didn't even have any ventilation. He arranged this work directly to Wang Chong, which made Gu Tiande a little annoyed. Two security guards were smoking at the door. When they saw Gu Tiande, they were so scared that they held the cigarette in their hands and said respectfully: "Hello Gu Xing."

Gu Tiande came to the business hall with a calm face. It was around 2 o'clock in the afternoon and there were no customers in the business hall. Gu Tiande took a walk around and said to several tellers who were facing the counter: "How do you maintain these green plants? Why are there so much dust on the leaves?"

Several people were so scared that their faces changed drastically. When they saw Gu Tiande was drunk, they were timid and did not dare to speak, for fear of making him angry. Gu Tiande had a calm face and said to Russell E who was sorting out the summons: "You have to take good care of the business department."

Russell's whispered, "Yes, Gu Xing."
Chapter completed!