When Wang Chong received a call from Donghua Bank President Lin Tianhua, he was clearing in Luohu, Shenzhen, and was preparing to attend the 60th birthday of his mentor, HKU economist Luo Zhisen. This was planned two months ago. For this reason, he took two days of annual leave for the first time in three years. He was connected to the National Day, and he could make up for a week and reminisce with his mentor and old classmates.

Lin Tianhua knew about this vacation. If there was no special thing in the business, Lin Tianhua would not make this call. On the other side of the phone, Lin Tianhua asked: "Where have you been?"

"Performing the level is being completed." Wang Chong answered truthfully.

Lin Tianhua said: "The holiday was cancelled, you can come back immediately. President Li will give you a briefing later." After that, he hung up the phone. President Lin's phone has always been simple and irrefutable. Wang Chong has become used to it over the years.

In a moment, Li Youtian, the deputy president in charge of business, called him, "There is a problem with Xinfu New Energy."

Wang Chong frowned. He had the impression that the loan was the business of Gu Tiande, the Chengdong Branch. In March last year, Xinfu New Energy borrowed 2 million yuan from the Chengdong Branch. After it expired in March this year, it could not be returned. It has been more than 180 days so far.

Today is the last day of the third quarter. If this loan enters the suspicious category, it is necessary to make a loss provision at 150%. Originally, Donghua Bank's loan scale of 33.5 billion yuan, such a loan is not a problem, but now Donghua Bank's non-performing loan is 669 million yuan. If these two million are included, it just exceeds 2%. This indicator is absolutely unacceptable to Donghua Bank's management, which is intended to be listed next year. (Note)

Wang Chong asked, "The result of the communication with Zhou Yuntao last week was that he agreed to repay the loan at the end of the month? Moreover, this loan is the business of Chengdong Branch. Will President Gu come forward more appropriately?" Deputy President Li Youtian was in charge of the business and was Wang Chong's direct leader. There were some things that Wang Chong and Lin Tianhua were not easy to argue with, but he was not so reserved with Vice President Li.

Li Youtian said, "Gu Tiande sent their account manager Zhang Feifan to collect debts. That kid has only been working for three months, so how can he do such a job? Gu Tiande, an old fried dough stick, has been hiding, so President Lin asked you to come back to deal with this matter. Wang Chong, our bank will be listed next year, and we must not let this loan go into bad debts no matter what!"

Wang Chong was very depressed. He had done this kind of work as a firefighter countless times, but now he is thousands of miles away, which is obviously a bit difficult. No wonder some people say that once they enter the bank, they are passers-by on vacation from now on. However, with Wang Chong's personality, he would never say such words at most.

Wang Chong thought for a moment and said, "I can do it, but I must be prepared for both things in the industry."

Wang Chong's meaning is very clear. The bank has many ways to deal with such bad loans. The most common one is to increase credit limits to other companies and let them digest the loan. Or, register a shell company, issue a loan, and bear this bad loan. However, the regulatory authorities have recently investigated it strictly. Once it is verified, it will be a sky-high fine, and the risks and costs are a bit high.

Li Youtian said, "You don't need to talk about this, I won't say it anymore, come back quickly. President Lin is going to have a meeting."

Wang Chong knew Lin Tianhua very well. The president was like him, a workaholic, a little strong, aloof, and even a little domineering. Once, a branch manager was held and a branch manager was five minutes late. Lin Tianhua threw his conference sign in the trash can and removed his stool. As a result, the poor branch manager stood for three hours.

Wang Chong took a deep breath and officially entered the working state.

He called Zhao Ying, the administrative staff member of the department, and said, "Give me the earliest air ticket from Shenzhen to Donghua. Before 3 pm, I went to Donghua Airport to pick me up with Liu Mingliang." He also called Liu Mingliang, the account manager of the department, and said, "Collection of all information about Xinfu New Energy for me, including loan application information, latest credit reporting, litigation information, and account flow, the better. If you can get his call record, it would be even better."

Wang Chong originally wanted to remind Zhao Ying to bring her work uniform, but Zhao Ying was always careful and thoughtful, so she didn't call again. He flipped through the phone book for a while and found the phone number of Ma Xiaoxiao, a classmate in Donghua Daily. After dialing, the phone was busy.

Not long after, Ma Xiaoxiao called back and said with a smile: "President Wang, what instructions do you have? Is there a beautiful woman missing during the trip to Hong Kong? I remembered that I came here? Shopping in Hong Kong is cheap, so I am going to bring gifts for me. I like a Hermes bag and I will send you the style later."

Now Wang Chong is the general manager of Donghua Bank's small and micro business department. Every time she sees Ma Xiaoxiao, she always calls Governor Wang. Over time, Wang Chong has become accustomed to it.

Wang Chong said, "Great reporter, I can't afford such expensive things."

"Stop this set. People with an annual salary of 400,000 yuan can't afford a bag?"

Seeing her getting out of the way, Wang Chong said, "I haven't arrived in Hong Kong yet, so I'm not called back. I have something to do with you. I remember you interviewed Zhou Yuntao, the boss of Xinfu New Energy. How do you feel about this person?"

Ma Xiaoxiao was a little unhappy, "What did he say about him? This man is a erotic man. He kept staring at my chest lustfully during the interview. If it weren't for the explanation from above, I wouldn't have been lazy to do his interview."

Wang Chong said, "If a man is looking at you!"

Ma Xiaoxiao scolded the hooligan and said, "If you want to see it, it's a different matter."

Wang Chong couldn't stand it and said he was serious!

Ma Xiaoxiao said, "He has a lot to do with the government. His company's new energy projects receive less than 5 million in financial subsidies every year. It is said that this guy has a mistress outside, so he almost divorced his wife because of this."

Wang Chong asked her to check the lover, and Ma Xiaoxiao asked, "I'll help you check, what are the benefits?"

Wang Chong said that we had a revolutionary friendship for more than ten years, and the negotiations were a bit tacky. Ma Xiaoxiao cursed a stingy and said, "You have to invite a meal?" Just so happened that an old classmate was back. You will be together when you come back on National Day." Wang Chong asked who it was, and Ma Xiaoxiao smiled, "Stop it, you will know when you see it."

After hanging up the phone, Wang Chong received the flight information sent by Zhao Ying: Flight at 12:30 noon, flight information CAXXX. I wanted to book first class, but the boss refused to approve it, so I booked business class. Warm reminder: There was a little rain today, and there was a grimace behind it.

Wang Chong stopped a taxi and hurried over to Bao'an Airport. Before boarding the plane, Wang Chong received the information about Xinfu New Energy sent by Liu Mingliang on WeChat. Wang Chong read it briefly, said again, and continued to add.

A roar came, and the Airbus A320 plane rushed into the sky, causing the fuselage to bump.

Wang Chong's face was a little pale. He was afraid of heights since he was a child, so he rarely took planes when traveling normally, if it was unnecessary. Today, he took two flights, which made him feel a little overwhelmed and almost vomited. Even if there was a natural sound from the flight attendant, he reminded the passenger that this was just an ordinary airflow and was not dangerous, and this situation still did not improve. He took out the vomit bag and placed it in front of him just in case.

Wang Chong wanted to take advantage of the two hours to fly and study Xinfu New Energy's materials. He only looked at it twice. The discomfort in his body made him dizzy. He then leaned in the back seat and closed his eyes to rest. Suddenly someone shouted, "Manager Wang!"

Wang Chong looked at it and it was Zhao Xiaocheng, the financing director of Tianma Group. He was accompanied by a foreigner in his forties and fifties, and three or four Hong Kong people in suits and ties.

Tianma Group is one of the three largest group companies in Donghua City. There are three or four listed companies alone, paying more than one billion yuan in taxes to the city every year. It is a major taxpayer in the city. As soon as the city leaders take office, they have to go to Tianma Group for investigation.

Chairman Qi Zhongyuan was over 60 years old. He was a private teacher back then. He was so poor that he couldn't even marry a wife. After the reform in the 1990s, he went into business and borrowed the spring breeze of reform. He contracted a reorganized textile factory that was almost bankrupt. After more than 20 years, the group has become a group integrating textile, real estate, non-ferrous metals, and investment. It has more than a dozen subsidiaries and nearly 20,000 employees. Today, the overall business of Tianma Group has been handed over to family management, and there are only two left in his own work: asking for land from the government and money from the bank.

The Financing Department is one of the largest departments of Tianma Group, and it is said that there are more than 200 people. The financing director Zhao Xiaocheng is the confidant of Qi Zhongyuan and a capable general under his command. Wang Chong has been in the company's business department and has met Zhao Xiaocheng several times, but he did not expect Zhao Xiaocheng to recognize him. The two of them greeted each other and chatted for a few words.

Tianma's listed company Tianma Copper Industry is preparing to raise funds in Hong Kong. These people were invited by the inspection team from Hong Kong. Wang Chong thought in his heart that with their pomp, he should be in first class. Zhao Xiaocheng seemed to see Wang Chong's question and inadvertently explained that the itinerary was in a hurry and the first class had been sold out.

Zhao Xiaocheng handed Wang Chong a business card and said, "Now, Tianma Group is preparing to apply for a loan from your bank, and I'm afraid I'll have to bother you. When the guy is free, I will treat you to Xinghua World!"

Wang Chong smiled and said, "I'm afraid Mr. Zhao has been worshipped by the wrong temple. You have to hire Mr. Kang from our company department for such a company business. Besides, we banking practitioners are prohibited from entering and leaving such places." Zhao Xiaocheng said that I spent money myself, and it's not public funds to eat and drink, so what are you afraid of?

Wang Chong had no choice but to smile. As the manager of the business department, he never accepts customers' invitations. When he encounters dinners that must be eaten, he usually settles the bill in advance. He is a person who is determined to create a world in this industry and has always believed that "a gentleman loves money and gets it well." In this regard, he is very cautious.

The two chatted for a while, and Wang Chong's face was very embarrassed. After Zhao Xiaocheng learned that he was airsick, he stopped disturbing him and went to chat with the people from the inspection team.

Wang Chong turned on the music, closed his eyes and rested, and played HedyWest's "500wayfromhome" in a loop. The soothing music made him feel a little less bored, but it aroused his homesickness again. His hometown is a small mountain village in Hanjiang Province. When he was a child, his family was poor. When he was in junior high school, he didn't even have electricity in the village. Fortunately, he was successful and was always a top student when he was studying. He was admitted to Donghua University with excellent results during the college entrance examination and received a scholarship from HKU. After completing his master's degree in finance in Hong Kong, he returned to Donghua City and entered Donghua Bank.

At that time, Donghua Bank was not restructured, and it was still a city credit union. Eight years have passed, and he has established himself in Donghua City. Now he is 32 years old and has become the general manager of the head office's small and micro business department. For eight years, he has spent less than twenty days at home every year. He made up his mind that no matter what, he would take a few more days off this year and take his parents to Hainan for a trip.

While thinking, Wang Chong fell asleep until the plane began to tremble violently. The voice of the flight attendant came from his ears, "Dear passengers, the plane has arrived in Donghua City. There is lightning weather in Donghua today. Due to weather reasons, the plane cannot land. We will land in Linhu City. I deeply apologize for the inconvenience caused to you!"

Wang Chong was very anxious. It was already three o'clock in the afternoon. It would take at least an hour to drive from Linhu to Donghua. After he landed, he informed Zhao Ying and the others to rush over. It would be at least five o'clock. There was not much time left for Wang Chong. The plane turned around and flew towards Linhu Airport. Linhu was covered with dark clouds. Fortunately, there was no thunderstorm layer. Twenty minutes later, the plane landed smoothly at Linhu Airport.

After turning on the plane, Wang Chong received a text message, and Zhao Ying had already made an appointment for him to make a car from Donghua to Linhu. Zhao Xiaocheng got off the plane together. The group had a branch in Linhu. As soon as they got off the car, they asked the other party to send the car. Wang Chong refused the suggestions of their peers and hurriedly jumped into the car, and flew to Donghua City as quickly as possible.

Wang Chong began to read the messages sent by Liu Mingliang and Ma Xiaoxiao. This company has only been established for three or four years and mainly engaged in rural photovoltaic power generation projects. It is logical that there are national policies to support such projects. If they are promoted, the profits will be pretty good. However, Zhou Yuntao is not so dedicated. He bought a luxury car with a loan and kept a mistress last year. He paid more than two million yuan in breakup fees alone.

There are a lot of information and it is quite complicated. There are reports about Zhou Yuntao found online, litigation information found on the legal documents website, license plates, mobile phone numbers, bank statements, etc. Wang Chong is a client manager and has an innate sense of keen smell about these complex information. Suddenly, his eyes lit up and he found a clue.

Wang Chong took out his cell phone and made several calls.

Entering Donghua City, the wind was blowing, dark clouds rolled in the sky, lightning and thunder were roaring, like a roaring beast, the sound was irritating, but the raindrops never fell.

At 4:20, Wang Chong asked the car to drive directly to the Entrepreneurship Building. Zhao Ying, Liu Mingliang and Zhang Feifan from Chengdong Branch had already been waiting there. Unexpectedly, Zhao Ying had already brought Wang Chong's uniform over. Wang Chong and Zhang Feifan learned about the debt collection situation in the morning. Zhang Feifan stuttered for a long time.

The four of them had a brief exchange, took the elevator straight to the 17th floor of the Entrepreneurship Building, Donghua Xinfu New Energy Co., Ltd.

The front desk manager stopped him and asked, "Who are you looking for?"

Wang Chong said, "I'll look for you Chairman Zhou Yuntao."

The manager said, "Our Mr. Zhou is not in the company, why don't you come again another day?"

Wang Chong asked, "Is the yellow Camaro downstairs with the rear number 888? Is it your Mr. Zhou's car?"

The manager stammered, and Wang Chong led people to the chairman's office and opened the door. Zhou Yuntao and three friends were playing tea. When they heard the movement, they all looked at the door.

The front desk said with a grievance, "Mr. Zhou, these people are here to find you, and I can't stop them."

Zhou Yuntao did not know Wang Chong, but knew Zhang Feifan. When he saw the Donghua Bank coming to him again, he looked very unhappy, "Why are you here again? I am discussing important matters with several leaders in the city here. If there is anything, I will talk about it tomorrow!"

Wang Chong stepped forward, came to Zhou Yuntao, and said to several guests, "Hello, guest, I am Wang Chong, an employee of Donghua Bank. I'm sorry to notify you. Today's tea party ends here, creditors are given priority!"

Bang!

Zhou Yuntao was furious and poured a glass of water on Wang Chong's face.
Chapter completed!