When Wang Chong arrived at Lin Tianhua's office, it was twenty-nine minutes after he hung up the phone with Lin Tianhua.

The office was filled with smoke. When Lin Tianhua saw the king rushing over, he threw out a soft golden sha and said, "Smoke."

Wang Chong refused, "I haven't smoked much recently."

Lin Tianhua asked, "Are you quitting smoking?"

Wang Chong smiled bitterly and said, "To be precise, I will smoke whenever I want, and if I don't want to smoke, I won't have to worry about it. I don't have to quit smoking."

Lin Tianhua's face darkened, "What do you mean is that my character and perseverance are not as good as you?" Wang Chonglian said he didn't dare, and Lin Tianhua said, "Then stop talking nonsense, and give it to me!"

Wang Chong had to lit a cigarette and said, "President Lin, you were in a hurry to call me here to let me smoke with you, right?"

Lin Tianhua originally wanted to discuss with Wang Chong, but he saw that he looked so angry that he didn't beat him up and cursed, "It's not because of your messy matter, that I can't wipe my butt clean, causing others to have a shit and pee."

Wang Chong was used to Lin Tianhua's way of speaking. When he held department meetings in the past, he often mixed a few words with a few words, regardless of everyone's feelings.

Wang Chong said, "You said it was a matter of Tieba? I reported it to you last time. Someone was instructed to frame me."

Lin Tianhua looked at him and said, "It's strange, our Manager Wang has always been to repay kindness and to take revenge. Why did he react so calmly this time?"

Wang Chongxin said to Shi Kui, Shi Hu was injustice, and I also wanted to defeat them, but the other party was a mess, with many people and power, and there was no bottom line. Even if he wanted to take revenge, he could only temporarily endure it and find an opportunity to hit it. But he said, "If you suffer too much, you should know how to restrain yourself."

Lin Tianhua originally wanted to find him, but deliberately provoked him. Seeing that he was so negative, he said, "Isn't this your style?"

What a smart man Wang Chong immediately understood what Lin Tianhua meant, so he asked with a smile, "President Lin has any instructions, just give me the order."

Lin Tianhua put out the cigarette butts, walked around the office, and suddenly lowered his voice and asked, "Wang Chong, I'll ask you, what do you think of President Youtian and President Jianguo?"

Wang Chong felt a little nervous. Although he rarely participated in factional struggles, it did not mean that he did not know the situation. Lin Tianhua's question made him more vigilant. Evaluating others easily, especially his superiors, if a person answered carelessly, it would be easy to get himself involved in factional struggles.

Wang Chong pretended to be puzzled and said, "President Lin, I don't understand what you mean."

"You are all from the Old Town Information Agency, and both of you have served as your direct leaders. Recently, the industry is preparing to adjust a group of cadres. I will listen to your evaluation of them."

Wang Chong was secretly in his heart. Li Youtian and Liu Jianguo were both leaders of the president's office. According to the articles of association, the chairman nominated the president and the president nominated the vice president, but the decision lies with the board of directors. Lin Tianhua hinted to himself whether he was covering up his eyes and deliberately deceiving himself, or told himself that there will be big moves in the industry and he should move closer to him?

He was right and said, "President Lin, as a subordinate, it is not convenient for me to evaluate my superiors."

Lin Tianhua said, "I am impartial, not humble, no words, Wang Chong, this is the reason why I value you. I heard that our Donghua Bank has any old city letters, New Donghua, which is very lively. Have you heard of this?"

Wang Chong hesitated in his heart. Lin Tianhua asked him to come today. What kind of medicine is sold in the gourd? When they met, they basically talked about business, work, and execution. How could they discuss personnel with him today?

Wang Chong said, "I heard a little."

"What do you think about this?"

Wang Chong thought for a moment and said, "This is not a good phenomenon. Party struggles have existed since ancient times. Whether it is the Niu Li party struggles or the Donglin and the eunuch party, the final result is miserable. Although this struggle in our industry is not so serious, it has also affected some operations in the industry. Since President Lin saw this problem, I believe there should be a solution."

Factional internal struggle is generally divided into three stages according to the different forms of struggle.

The first stage is to shirke each other. When encountering problems, neither party will start to solve them. Instead, the problem is kicked to the other party and waited to see the other party joke. At this time, the superior management can rely on powerful administrative means to arrange the work.

The second stage is to work against each other. When dealing with things, if you say that the decision is right, the other party says it is wrong, you say it is wrong, the other party is right, and you don’t think about the matter itself at all, and oppose it purely for the sake of opposing things. If the management makes the decision properly, you can still mediate the relationship.

The third stage is to undermine each other. If you want to do one thing, the other party will do another to destroy it, or find a way to stop your actions. This is a sign that you have entered a dangerous period. At this point, the management has basically lost control of the situation. Usually, higher-level leaders have to take corresponding actions. (Note 1)

Today, the two factional struggles between Donghua Bank are in the first and second stages, but there are still signs of the third stage, which makes Lin Tianhua very alert, so this test against Wang Chong.

Lin Tianhua continued, "But, I heard rumors in the industry that you are the President of Jianguo, and you have a close relationship. At the last calligraphy exhibition, you went to stand him privately."

Wang Chong's heart was moved in his heart. It seemed that these presidents were very good at tactics, and they knew everything they had done and said. He suddenly remembered that Gu Tiande had told him last time that the general idea was that I was not smarter than you, but that I could get more information in my position and make more accurate judgments. This is the asymmetry of information.

So he admitted that "Governor Jianguo was my superior, and I don't deny this. During the National Day, I went to help him watch the venue because of the same interests and hobbies. However, I, Wang Chong, have never been someone else. If so, I, then I, was also from Donghua Bank."

Wang Chong is capable, courageous, and capable, and Lin Tianhua admires him very much, but now the political situation of Donghua heroes is very delicate, and some bad remarks are already circulating in the industry. This time, Lin Tianhua originally intended to make Wang Chong submit a letter of fame, but Wang Chong's answer did not satisfy him. He shook his head secretly, but his expression was not at all turbulent.

Lin Tianhua heard this and brimmed his high-end and said, "Well, our Donghua Bank needs people like you who can make trouble and do things."

Wang Chong breathed a sigh of relief and said, "Since that's the case, can I cancel my suspension?"

Lin Tianhua said, "Maybe there will be two more days left. Why do you want to work so much?"

Wang Chong smiled and said, "White-collar workers' salary, the taste of a corpse-positioned meal is not good."

Lin Tianhua said, "In order to prevent you from causing trouble outside, you will serve as the president's special assistant before the investigation results come out. I will ask Secretary Li to arrange a seat for you in his office." Since Wang Chong is unwilling to move closer to him, let him stay by his side. Even if he doesn't express his opinion, someone will help him take the lead in a while.

Wang Chong smiled and said, "President Lin, I have nothing special. Can I remove the word "special"?"

In the banking system, the assistant president belongs to the senior management and is a member of the team. He is appointed by the board of directors and approved by the banking regulatory department. However, the special assistant of the president is just an ordinary administrative position. To put it bluntly, he can only be regarded as a senior secretary.

Lin Tianhua said angrily, "This requirement is very special, so it's better to be a special assistant." He handed Wang Chong a pile of thick loan information from Shun Aluminum to Wang Chong, "You have been following this loan for so long and are more familiar with anyone. Although you are not in the project team now, I still have to listen to your opinions."

Seeing the dense signatures above, Wang Chong said, "This is the stage now. What is the use of my opinion? Should President Lin exercise his veto power?"

According to the "General Rules of Credit Management of Donghua Bank", "Rules of Procedure of Donghua Bank Loan Approval Committee" and other provisions, the board of directors grants the president a veto power over all loan businesses in the bank. This power is only symbolic. Since the reform of Donghua Bank, the president has almost never experienced any veto power over loan businesses.

Lin Tianhua said, "You don't need to consider this, you just talk about your professional opinions."

Wang Chong flipped through the information on the debit, took a pen to list the key points on a piece of paper, shook his head while looking, his eyebrows frowned tightly, and Lin Tianhua also found something wrong and asked, "What's wrong?"

After more than ten minutes, Wang Chong finished reading the information and said, "There is a problem with this set of loan application materials."

"How can I see it?"

Wang Chong analyzed, "I won't talk about small problems, small flaws, there are three main points in the big problems.

First, the statements of this set of materials are quite different from our previous financial statements, and several core data have traces of changes. I saw PwC's audit report before, but the audit report in this set of materials was replaced by an accounting firm in Donghua City.

The second is the problem of insufficient mortgages. The value of real estate and equipment used in this loan has serious high praise in the evaluation report. Shun Aluminum is located in a remote location, with an appraisal price of 700,000 yuan per mu, which is almost up to the price of newly opened properties in the suburbs. Moreover, as far as I know, the equipment used to mortgage this time has been mortgaged to a financial leasing company, and there is a risk of secondary mortgage.

Third, in order to weaken the risks, we proposed that Qi Zhongyuan, chairman of Tianma Group, bear unlimited joint and several guarantees, or a listed company of the group, provide guarantees. However, no relevant materials were found in the application report. This is not to weaken the risks, but to weaken the guarantee measures.

These are three relatively big points. As for the lack of shareholders' resolution to agree to the loan and the incomplete signature of the credit review report, I will not list them one by one.”

“So what is your opinion?”

Wang Chong said, "Be cautious and not intervene."

Lin Tianhua smiled bitterly, "Why didn't I mean this? But the situation is different now. There are city leaders outside and some people in the industry are fanning the flames on the board of directors. I'm afraid I can't refuse to approve this loan."

Wang Chong asked, "Didn't Lin Xing recommend that equity transactions be suspended before listing last time?"

Lin Tianhua waved his hand, "Don't mention this."

From his tone, Wang Chong guessed that the matter was not going well, so he asked, "I heard that Tianma Group has reached an equity transfer agreement with Shi Kui. Why are they so anxious?"

Lin Tianhua sneered, "The Interim Measures for the Management of Equity of Commercial Banks."

Wang Chong suddenly realized that the China Banking Regulatory Commission is preparing to introduce new management measures for the equity of commercial banks. The draft for soliciting opinions has been several rounds. This matter has been discussed in the banking circle, with penetrating management, restrictions on related transactions, and equity qualification recognition being more stringent and harsh.

According to rumors, this new method is said to be implemented in January next year. According to the new regulations, shareholders with a shareholding ratio of more than 5 will change from the original reporting system to the current approval system. This process is extremely long. Tianma Group has been eager to acquire shares in Donghua Bank at a high price recently, just to raise the stake in Donghua Bank before the implementation of the new regulations.

Wang Chong asked, "Then is this loan approved or not?"

Lin Tianhua said, "One word, drag!"

With pressure from superiors, Lin Tianhua certainly cannot delay the loan by inaction, but instead uses a very clever reason, two indicators of related transactions and credit concentration of single group customers.

Tianma Group is a small shareholder of Donghua Bank, so its loan to Shun Aluminum is an related transaction. This kind of loan requires approval from the related transaction committee established by the board of directors. The single group customer credit concentration regulatory indicator of the City Commercial Bank is 15. Previously, Tianma Group's credit business to Donghua Bank of one billion yuan, if the credit of Shun Aluminum Bank is included, it will touch this regulatory indicator.

Of course, if you want to avoid these problems, there are countless ways to do the loan practice. This loan can be approved by Lin Tianhua. However, Lin Tianhua knows that Tianma Group is a big pit and its operations have deteriorated seriously. If it intervenes and becomes a bad debt, and the loss provision is made at 15o, Donghua Bank may be in vain this year. It is not certain whether he can keep it as the president, and the listing is even more out of the question.

In this way, Lin Tianhua threw the entire problem to the board of directors.

However, Lin Tianhua didn't know that a storm against him was coming.

Note 1 The expression of internal strife is an original viewpoint. If there are any inappropriate points, please correct me and I can continue to improve it.

Note 2 In the modern banking structure, the board of directors has various professional committees, among which the related transaction committee controls the approval of loans for shareholders or joint actors; the credit concentration of a single group customer refers to the credit/net capital of a single group (including affiliated companies). This regulatory indicator shall not exceed 15.

Note 3 These chapters are a bit obscure, and the plot of the subsequent story will increase, and the professionalism will gradually weaken.
Chapter completed!