Recast youth

Chapter 877 One Small Step, One Giant Leap
"Okay, okay, Mr. Ye, don't worry, I will handle this matter seriously. People like this who occupy positions but do not do practical things are simply discrediting our bank."

"Okay, Mr. Ye, please do your business first."

hang up the phone.

President Zhou finally understood that the boss of Lanshan Company would ask someone to bring the financial manager to the bank to transfer funds across banks. It turned out that the chief of the business section had offended someone in his company.

Also understandable.

How many bosses like this are worth billions in their 20s?Not to mention those in their 20s, among these bosses with a net worth of over [-] million, which one is not a sharp-edged, autocratic person?

President Zhou believes that he has met so many bosses, and almost every boss who can be very successful is a person with an extremely strong personality. He speaks his mind and rarely backs down, so President Zhou does not doubt the authenticity of Ye Feng's allocation of funds.

Authenticity depends entirely on how you do it.

"Mr. Li, I'm really sorry. I only found out after listening to Mr. Ye that someone in our system is not doing practical things. I'm going to ask him what's going on."

President Zhou came outside, said apologetically to Li Ping, and then asked the lobby manager to accompany Li Ping and others. The tea had been changed to hot tea for the third time. It was still steaming but not cold.

Li Ping gave Wang Xinyue a look of approval.

Wang Xinyue was not surprised at all by this situation. If it were a provincial bank, although the money would be quite large, it would not necessarily make the president so humble, because the provincial bank president was already at the department or bureau level.

At the department and bureau level, the attitude will be higher.

However, the municipal bank is a second-tier branch, and the mobilization of 3 million yuan of funds can really be said to be a stretch, and it still requires cross-bank transfer to another bank. It is not possible without transfer.

Then please withdraw the money for me. If you withdraw 3 million in cash reserves, it will kill the second-level branch. It cannot be transferred in a hurry.

……

Business Section.

The head of the business department was handling loan business with his clients. He raised his head and said to the client in front of him: "I looked at your credit report. There are no problems with your credit report. It is not overdue. The house is valued at 150 million. Generally speaking, For real estate mortgage loans, there is no problem in lending 7% of the property value. 110 million is a bit difficult. I suggest you borrow 100 million to make it easier to review."

"No, Section Chief Xu, listen to me, my 100 million is really not enough. Factory buildings, machines, and initial investment all require money."

The client was a balding man in his early forties. He said anxiously: "Can you see if you can get a loan of 120 million? Isn't my house valued at 150 million? Now that house prices have risen dramatically, 150 million is definitely worth it."

Section Chief Xu said calmly: "It's like this. In order to consider the risk of loan funds, banks will conduct risk control management on each loan. When evaluating the borrower's loan qualifications, they will consider the borrower's repayment Regarding your loan capacity, for a house mortgage loan, being able to lend 7% is already the maximum, why don’t you think about it again?”

"Forget it, 100 is 100."

The middle-aged man let out a sigh of relief. The factory was waiting for this loan as advance funds, so he had no choice but to borrow it.

Section Chief Xu added: "Let me tell you in advance, because you don't have proof of bank statements and other documents, the interest rate on your loan may increase by 0.15 percentage points."

"Isn't the interest rate agreed upon before?"

"The interest rate is not fixed."

Section Chief Xu said: "This will fluctuate based on the borrower's loan qualification assessment. If you have additional assets or a loan guarantor signs for you, the interest rate can be lower."

"Forget it, that's it."

The middle-aged man was extremely annoyed. He had originally said that he could borrow 120 million yuan, and had also agreed on the interest rate. However, after a few days of procedures, he could only borrow 100 million yuan, with an increase of 0.15 percentage points. He cursed in his heart, "It's too late." I know how to get a loan from another bank.

When Section Chief Xu saw that the middle-aged man agreed, he started to ask the middle-aged man to sign and then took pictures. Just when he finished all this, the office door opened. It was opened directly without knocking.

"President Zhou." Section Chief Xu looked at the visitor and stood up quickly.

"You go out first."

President Zhou calmly asked the customer to go out first. After the customer went out, President Zhou's anger finally broke out and he slapped the table: "Xu Rui, what did you come to the bank for?"

Section Chief Xu was startled and wanted to distinguish: "I..."

"What am I?"

President Zhou pointed at Section Chief Xu's chest and vented his humiliating anger: "Do you know what your position is? You are the chief of the business department and an employee of the bank. Do you know what it means to seek political power in your position? , let him fulfill his duties?!"

"You have to remember that the bank wants you to come to work and take responsibility, not to let you hang around until the end of the day."

The more Governor Zhou talked about it, the more he became angry. He almost offended a top-quality customer like the owner of Lanshan Company because of this idiot. He said angrily: "Let me ask you, what do you mean, you have to make an appointment first according to the procedure. If you don't make an appointment, it's difficult to serve others." A satisfactory answer?”

Section Chief Xu has been scolded since President Zhou came in. He has no idea what happened or what he did wrong. But when President Zhou said these words, his expression changed slightly.

This passage sounds familiar.

Then Section Chief Xu thought of the women he had just seen in the hall, and vaguely guessed the reason.

"No, President Zhou, please listen to my explanation."

Section Chief Xu quickly explained: "The bank was about to get off work that day, and the accounts were to be counted and put into the warehouse. Then the woman stopped me and talked to me about a third-party payment platform. I had never heard of it. How could I Talk to her? So when I said that to her, I didn’t mean to ask her to go through the appointment process.”

"You haven't heard of it. Have you reported it?"

President Zhou asked angrily: "Let me ask you, have you reported it to your superiors? Do you know that because of your improper work attitude, they are coming today to transfer the 3 million yuan in funds deposited in our bank!"

"No……"

Section Chief Xu felt that his breath was stuck in his throat, and he couldn't speak. He secretly admitted that he was unlucky. Normally, this kind of thing would not be called a problem at all. Let alone him, even the bank tellers would stop early when they get off work. While working at the office, I hit a brick wall.

"Go and apologize to others. If you say something bad, write a resignation letter yourself."

President Zhou cursed angrily for several minutes, and finally brought the frustrated Chief Xu to the bank VIP room. Then Chief Xu saw Li Ping, whom he had refused to talk to a few days ago.

Although I felt embarrassed to apologize, Section Chief Xu had to step forward and apologize. No matter what, it is better to lower my head than to lose my iron job.

"Mr. Li, I'm really sorry."

Section Chief Xu didn't find any reason when facing Li Ping, and his posture was very low: "There was something wrong with my work attitude that day. I apologize to you. I hope you can calm down and don't take it personally..."

"Forget it, it's over."

Li Ping didn't hold on to her, and she didn't want to cause trouble for the section chief.

Her real purpose was to talk to President Zhou about Lanshan Payment. After what happened just now, talking about the cooperation with President Zhou about Lanshan Payment became smoother as expected.

Not long after, Xu Bin, who was in charge of technology and received a call from Li Ping, came in from the outside and talked with the bank's technical staff. At this moment, Lanshan Pay's third-party payment platform finally took the first step.

This small step is also a big step.

Enter the door first, then get the method, and then follow the same method. Lanshan Payment will knock on the door of the bank.

(End of this chapter)