Zhang Feifan has a shallow alcohol content, has little experience in the restaurant, and does not know how to stop wine, so why is he a match for these veterans of the restaurant? After everyone's persuasion, in less than an hour, after three cups of Maotai, he was drunk and drunk. However, Zhao Dagang had already become accustomed to it, chatting and laughing with everyone, and eating a meal was so happy.

"Mr. Luo, I...what more companies do we have to go to in the afternoon to investigate?" Zhang Feifan couldn't even explain clearly. Luo Dacheng laughed, "Manager Zhang has worked so hard today. I'll go to have a foot massage in the afternoon to relax and wait until I wake up."

Zhang Feifan said no, and insisted on doing an on-site investigation. When he came out of Yun Haitian, he felt dizzy when he saw the wind, and he was dizzy and turned dizzy. He lay in front of the flower pond and vomited wildly. Luo Dacheng and Zhao Dagang were holding each other and went to Liangzi's foot massage together.

When Zhang Feifan woke up from the foot massage shop, it was already 5:30 in the afternoon. He thought to himself that he was so bad that he came to the hall with his head covered.

Luo Dacheng and Zhao Dagang were drinking kung fu tea. When they saw Zhang Feifan coming, they smiled and said, "Manager Zhang has such a good alcohol tolerance. At noon, they beat four of us alone, which made us veterans ashamed of ourselves. It is really a talented person in the generation of the country. The Yangtze River is the next wave of the Yangtze River pushes the previous wave!" As he said that, he gave up a seat and brewed a bowl of tea for Zhang Feifan.

Zhang Feifan was thirsty and took it all up. "It's going to be a bad thing. These loan customers have not completed the on-site investigation and take photos. President Gu still has to attend the meeting on the weekend!"

Luo Dacheng smiled and said, "It's okay, it's all here. We're in Qianniu Town. How can we let Manager Zhang return empty-handed?" As he said, he took out a USB flash drive from his bag and handed it to Zhang Feifan, "In the afternoon, I have arranged for the company's people to go to the farmer's house to take photos. I have assigned numbers according to your requirements, and you can just use it."

Zhang Feifan was hesitating, and Wang Chong called in, "How is it, how is the on-site investigation?"

Zhang Feifan stammered, "It's still going on, I'm afraid it will be too late to go back. But Master, don't worry, no matter what, I will complete all the on-site investigation today."

"Do I need to wait for you?"

Zhang Feifan hurriedly said, "No, this is the first time I have completed my loan independently after joining the company. I will complete the task with quality and quantity!"

"Okay, remember, don't eat the customer's meal. If you have to eat, remember to pay the bill and come back to ask me for reimbursement."

It cost five or six thousand yuan for a meal at noon, almost worth Zhang Feifan’s monthly salary. How dare he tell the truth? He quickly agreed. As soon as he hung up the phone, Gu Tiande called again, "Xiao Zhang, I heard you had dinner with the customer at noon?"

Zhang Feifan glanced at Zhao Dagang. Could it be that Zhao Dagang complained? But it shouldn't be. He also drank a lot of this meal. It should be someone else who informed Gu Tiande. Zhang Feifan had no choice but to say, "President Gu, I ate some casually at noon."

Gu Tiande reminded, "This customer is a key enterprise in our district, and the leaders in the district have taken special care. You must do your best when doing the investigation. If there are any flaws, please do your best to help. Remember, you can't ask the customer for a slight fee! Has the on-site investigation been completed?"

"The photos were not taken incompletely, and the customer helped to take some of them."

Gu Tiandedao, "Then let's take a look at it as soon as possible. You can prepare the PPT for the loan review meeting and strive to attend the meeting tomorrow afternoon!"

"President Gu, are you a little anxious? I'm afraid that I'll not prepare enough."

Gu Tiande said unhappily, "Young people should find ways to solve the difficulties, instead of just retreating. Can they do it?"

Zhang Feifan Khan was all over, "Sure, I will report it on time!"

Luo Dacheng smiled at the corner of his mouth and said to Zhang Feifan, "Manager Zhang, it seems that it's almost six o'clock, let's go to have dinner first! I have to ask Manager Zhang for help in the loan this time!" Zhang Feifan said that I dare not eat anymore, and I have to go back to work overtime to get information. Let's talk about the meal later.

He took the USB drive from Luo Dacheng and returned to the bank with Zhao Dagang, preparing to supplement information and tomorrow's loan review meeting PPT. When he arrived at the door of the bank, Zhao Dagang parked the car next to his car, opened the trunk, and there were two boxes of Feitian Moutai inside. He moved a box himself and put it in his car, and said to Zhang Feifan, "This Luo Dacheng's big deal, he can take two boxes of Moutai at one time, which costs more than 20,000 yuan!"

Zhang Feifan asked, "How can we ask for customers' things?"

Zhao Dagang said, "If you do our business, do you really expect to live on the little performance you get from the loan. So you shouldn't drink the northwest wind every day?"

Zhang Feifan: "Isn't this a bribe?"

Zhao Dagang smiled and said, "How is this considered taking bribes? We help customers with loans and give them some discounts on interest, but they don't give them any benefits to express it? They have saved money, and we still have some profits, so customers are willing to do this. Please accept it. This is the industry rule."

Zhang Feifan refused to do so.

Zhao Dagang was a little unhappy, "If you don't accept it, you will even vomit the lunch you ate back to Luo Dacheng. Don't be so arrogant. Do you think everyone is like Wang Chong, and there is no way to understand the world. No wonder he messed up in the head office and was demoted to our Chengdong Branch."

"this……"

"Customize it, do you think Li Qingquan and Gu Tiande are clean in the business? If you really put this loan down, you can really get the benefits. Even if something happens, there will be someone above you to carry the thunder. The leader eats meat and drinks soup. This is all a small favor. Please accept it so that people will not be said to be unkind. By the way, I know someone who recycles famous cigarettes and wines. If you want to take action, I will send him a call to you." As he said that, Zhao Dagang closed the car door, started the car, and left.

This is the first time Zhang Feifan received a gift from a customer. Last time, Boss Zhang sent a shopping card in New Hope, Wang Chong refused it firmly. He also warned himself not to have improper transactions with the customer, but when he sat at the table, the whole thing had changed.

All night, Zhang Feifan worked overtime to sort out the loan information and printed out the photos taken by Luo Dacheng and himself. He always felt a little uncomfortable. When he got home, he carefully moved the box of Moutai to his room. He first placed it in the kitchen, then took it out and placed it in the storage room, and finally hid it under the bed, as if he had done something bad, for fear of being discovered by others.

Lying on the bed, Zhang Feifan tossed and turned and couldn't sleep. He, who had always had good sleep quality, actually suffered from insomnia. He received gifts from customers, which made him feel uneasy. He kept persuading himself that this was the first and only time, so I won't be the case.

The loan review meeting, full name is the Credit Approval Committee, is mainly responsible for on-balance sheet credit business, fund lending business, agency credit business, etc. It is a supervision and guidance agency for the quality of bank operating assets. When Donghua Bank was first established, all loans were concentrated in the head office for approval. After Lin Tianhua came to power, the credit process was simplified, credit authorization authority was delegated, and a three-level loan review meeting system was implemented with the hierarchical authorization of the head office, business department, and branches.

Each branch grants different approval authority based on asset quality and risk control capabilities. For example, the Chengdong Branch where Wang Chong is located has a low ranking and weak profitability, and the independent approval authority is only 2 million yuan. For this reason, in order to avoid reporting to the head office, the 20 million loan business that was originally applied for by Tianqin Breeding Society was divided into more than a dozen breeders, with each business less than 2 million yuan.

The loan review meeting of Chengdong Branch is composed of five members, three of whom are employees of the risk management department, and the other two are compliance managers and financial managers. Gu Tiande is the president and is not on the loan review meeting list, but has a veto power to pass the loan review meeting's business.

The next morning, Zhang Feifan signed the loan application information and reported it to the branch's risk management department. Gu Tiande, the veteran of the ventilation department, quickly passed the preliminary review and notified Zhang Feifan to attend the loan review meeting at 2 pm.

Zhang Feifan came to the conference room early to prepare. This was the first business he had handled as a sponsor account manager since he joined the company, and co-organized Li Qiaowei's sick leave. When he thought that he would face various questions and questions from the loan review committee members in a while, Zhang Feifan was inevitably nervous.

Wang Chong saw Zhang Feifan taking a deep breath and said with a smile, "It's the first time, it's normal to be nervous, and I've gradually gotten used to it."

Zhang Feifan said he had no confidence, and Wang Chong patted him on the shoulder, "Our Donghua Bank loan review meeting has always had a tradition. Account managers who attended the meeting for the first time would try every means to make things difficult for you, especially when asking some strange questions, you even doubt your life. Often, some novice people will be at a loss when they ask, and they are forced to cry on the spot.

"Really?"

"Just just follow the prepared PPT statement. You handle this business and you understand the situation. Just answer it normally. If you can't answer, I'll help you with the supplement."

According to the rules of procedure for the loan review meeting, Wang Chong should avoid this business, but in actual implementation, in order to ensure that the loan is approved, the head of the business department will generally attend the meeting. The members will attend the meeting. What’s strange is that Li Qingquan from the Credit Department 1 also followed him into the conference room.

Wang Chong was a little unhappy, "It's not your department's business, why are you here?"

Li Qingquan said, "It just happened to be fine in the afternoon. I came here to learn about the business with Director Wang. Why? Isn't it welcome?"

The meeting went surprisingly smoothly. After Zhang Feifan finished his statement, the director of the loan review committee and several other members raised several irrelevant issues and quickly reached an agreement.

While listening to Zhang Feifan's statement and defense, Wang Chong was flipping through the loan information. When talking about profit calculation, he suddenly discovered a problem, that is, the cost price per kilogram of broiler chicken is 3.7 yuan, the market price is around 4 yuan, and the purchase price given by the breeding agency is 4.2 yuan. From the perspective of farmers, their profits can definitely cover the loan, but from the perspective of guaranteed enterprise Tianbi breeding, this business model is definitely a loss-making transaction.

"This model is a bit weird." Wang Chong was suspicious. He calculated that if this continues, Tianqin Breeding Club would lose more than 3 million yuan a year. Looking at Tianqin Breeding Club's financial report, he found that there was a non-operating income of 5 million yuan in the table. It was this income that made the profit of the entire breeding club a positive amount, which was the part he ignored before.

Since Gu Tiande had already said hello to the business, the director of the loan review committee did not want to spend too much time, so he said, "We have already understood the situation. If all the members have no other questions, we will vote below."

"Wait!" Wang Chong stood up and said, "I found a question, please ask Zhang Feifan to answer it."
Chapter completed!