After returning from the meeting of the head office, Wang Chong found that the branch office was full of customers waiting to withdraw funds. As soon as he returned to the office, Shang Qingshan, the business department, took the fund allocation approval form to Wang Chong to sign.

Wang Chong was a little puzzled and asked: "Didn't you just allocated two million cash yesterday? Why did you have to allocate it again today? Why are there so many people withdrawing cash recently?"

Shang Qingshan said, "Isn't this coming to an end of the year? The number of people withdrawing cash will increase at this time of year."

Nowadays, electronic payment methods are very rich, including online banking, WeChat, Alipay and other channels. Usually, Chengdong Branch does not have much cash business, but it is also seasonal, especially at the end of the year, the cash business has increased sharply. First, because banks do not open during the Spring Festival, people generally get a part of cash, and second, they visit relatives and friends during the Spring Festival, and they need to give red envelopes and cash. The third is that by the end of the year, some projects need to settle wages for migrant workers, and these people are generally mostly cash.

Wang Chong was not very familiar with cash business before. When Shang Qingshan explained the reasons to him, he signed the allocation form, "voluntary deposits and free withdrawals", and he had no reason to stop it.

It was not very busy at the end of the year. Wang Chong finally had the opportunity to breathe a sigh of relief and began to prepare for the New Year goods to go home for the New Year. Especially this year, Ma Xiaoxiao also went back. Wang Chong called his home in advance, which made his parents very happy. He asked Ma Xiaoxiao what he liked to eat for a few days and prepared in advance.

At this time, Zhang Feifan walked in and said, "President Wang, something happened to Tianma Group."

Wang Chong looked up, "What's wrong?"

Zhang Feifan opened his phone, looked through his circle of friends, and handed it to Wang Chong, "This morning, more than 200 peasant brothers blocked the door of Tianma Group to ask for wages, which was very lively. It is said that the police were all out, and Qi Beiwang, the son of Qi Zhongyuan, got married today, because of this incident, the wedding was postponed."

Wang Chong stood up and said, "Go and take a look."

Zhang Feifan said: "What can I see?"

Wang Chong tapped his head gently, "Post-loan management."

According to the credit rules, after the loan is issued, the customer's business situation must be supervised throughout the process. If a risk warning occurs, information must be obtained as soon as possible. Chengdong Branch just released more than 600 million yuan in loans, and this happened to Tianma Group. Of course, Wang Chong would not sit idly by.

At the entrance of Tianma Group's building, more than 100 migrant workers gathered, blocking the entire gate, making it difficult for people to enter and exit. This salary request was due to the suspension of payment of several project funds by Tianma Group. These contractors were waiting for the money to settle the bill for their downstream customers and paying migrant workers' salaries. As a result, they could not get the money. They negotiated with the financial manager of Tianma Group for several days but failed. In desperation, they had to organize their engineering team to block the gate of Tianma Group and ask for an explanation.

The so-called asking for money is to ask for money. However, Qi Zhongyuan issued an order to suspend the payment of these funds. Qi Zhongyuan and Qi Beiwang didn't have to pay attention to these matters, but Zhao Xiaocheng was busy. He called a few contractors over, "Several people, our Tianma Group is not dependent on your accounts. This is the end of the year. We have all blocked the accounts. Can the money be settled after the New Year? Just consider it to be considerate and considerate."

One person said, "Director Zhao, we don't want to do this either. We understand you, but who understands me? Look at these peasant brothers, they have been busy for more than half a year and work for our Tianma Group. By the end of the year, they can't get the money. How can they go home for the New Year? Fortunately, they gave me face, otherwise these people wouldn't be sure to steal my house."

Another person said, "Brother Zhao, we also have more than 2 million project payments here. When I took over our project, I sold my money and borrowed money from Ultimate loan sharks. These days, there are always three or four of them following me every day, eating with me, and sleeping with me, making me almost schizophrenia. You can pay a little, and at least give this year's end."

Zhao Xiaocheng had no choice. He went to ask the assistant of Qi Zhongyuan. The assistant said that he was fishing in Huxin Pavilion today and did not see outsiders. After hiding like this, he was calm, but he could not handle the job.

In recent years, the state has issued a regulation that migrant workers cannot be owed wages. At this stage, Tianma Group has caused such a problem. The government office called to ask what was going on. Director Zhao had to shirk responsibility and said that he was coordinating the funds.

Several policemen were maintaining order and ensuring that there was no violent incident. However, the migrant workers who blocked the door stopped working and made a fuss for a whole morning. Seeing that there was no movement from Tianma Group, they picked up stones and threw bricks into the factory. Several other people tried to break open the door of Tianma Group and were stopped by the police.

Of course, Qi Zhongyuan did not fish. At this moment, he had already appeared in the municipal government office and asked Mayor Li for assistance. Mayor Li called out the director of the Municipal Human Resources and Social Security Bureau and asked for special funds to be used for assistance. The Human Resources and Social Security Bureau did not agree and suggested that some loans be made from the bank, and the Human Resources and Social Security Bureau could be guaranteed.

The municipal government had no choice but to notify the eight banks in Donghua City who had credit to Tianma Group to call for a meeting and asked each bank to urgently increase the credit of Tianma Group by 10 million to pay migrant workers' wages. The Human Resources and Social Security Bureau guaranteed these loans. The banks complained that Tianma Group is now in debt, and its current income can barely pay bank interest, and then increase its credit limit is tantamount to drinking poison to quench thirst. However, the mayor's words, and the bank refused to refuse to listen, so he came up with a compromise solution. Major banks grant credit to the Human Resources and Social Security Bureau, and the Human Resources and Social Security Bureau provides financial support to Tianma Group.

Although this operation is a bit illegal, it is also a helpless way. The banks launched the green friends of emergency credit. At around 2:00 pm, all 80 million funds were received. Under the instruction of Qi Zhongyuan, Zhao Xiaocheng only wrote 30 million checks, and the remaining 50 million were used as group work capital.

When Wang Chong arrived at Tianma Group, the migrant workers blocking the door gradually dispersed, but found that some of the people were among them. The four major banks, Rural Commercial Bank, Minfeng, and several credit department directors or business presidents of Huashang Bank, all gathered to chat together.

With the three major telecom operators competing for customers, the relationship is incompatible. Banking business is not a zero-sum game, and the relationship between major banks is relatively harmonious. Moreover, the financial circle is small, and many middle and senior management are moving between banks. Many of them are former colleagues, who have close contacts on weekdays and often get together to share information and risks.

Wang Chong went over to greet several people. Among them, Liu Shuitian, the president of Minfeng Bank, was originally a colleague of Wang Chong, and had a good relationship with Wang Chong. When he saw Wang Chong coming, he smiled and said, "I heard that you also jumped into this fire pit before the New Year?"

Minfeng Bank has granted more than one billion yuan in credit to Tianma Group, and is quite familiar with Tianma's overall operation, so I have this question.

Wang Chong smiled bitterly and said, "It's hard to describe it."

Several other banks also said, "Governor Wang, your Donghua Bank is really our white knight."

This is true. Although Donghua Bank is extremely reluctant to intervene in this business, if it does not intervene, Tianma Group defaulted on a debt a year ago. At that time, they were in a quagmire and various banks were in trouble. Donghua Bank's more than 600 million yuan entry can at least help Tianma Group to extend its life for another year, which can also be regarded as a helping hand to its peers.

The company and the bank all prospered and lost. After a few words, several people soon became brothers and brothers. No matter what they said in the future, let’s talk about this year first. Maybe next year, the central bank’s policies will be relaxed and credit issuance will be increased. These companies may have a glimmer of hope?

Liu Shuitian said: "No matter what, let's talk about this year first."

Liu Shuitian pulled Wang Chong aside and handed a cigarette. The two of them lit it. Liu Shuitian asked, "How are your benefits this year? How are the year-end bonuses?"

Wang Chong said, "It's okay, it's basically achieved the goal. I've paid less than 200,000 yuan at the end of the year."

Liu Shuitian was a little envious, "It's much better than our Minfeng Bank. The situation has been bad recently. Some of our companies have bad loans. If there were any problems with Tianma Group, we would probably have been laid off. If we had known this, I wouldn't have jumped to Minfeng back then."

Wang Chong has heard that since the second half of last year, Minfeng Bank's credit quality has taken a sharp decline. They have made more loans to small and micro enterprises here, and they were relatively loose at that time, and the economic situation has declined. The first thing they are the small and micro business owners.

Large enterprises can still rely on government relations and bank relations to delay the credit limit for a few years by increasing credit limits. Small enterprises have weak risk resistance, and many enterprises have died in this round of economic cycle adjustments. Originally, evaluating how a small and medium-sized enterprise is, it is all about how much annual income and how much annual profit. Now, banks evaluate a good enterprise that can repay loan interest and pay workers' wages is considered a good enterprise.

For example, today, Tianma Group caused trouble this time, but fortunately the government provided funds for the coordination. Otherwise, the downstream companies would probably not even be able to start work next year, and the people would suffer in the end.

Wang Chong asked, "Why, President Liu, do you want to go back to Donghua Bank again?"

Liu Shuitian waved his hand, "I had an unhappy quarrel with President Liu back then. Isn't it a shame for me to go back? I'd better stay here and take a step by step. Our bank has been used to good life, so let's bear it when we have a hard life. Maybe the policy will be adjusted next year."

Everyone dispersed, and Liu Shuitian also said goodbye and wanted to go back to sort out the report. Wang Chong did not leave, and called Zhao Xiaocheng and said, "Director Zhao, we want to visit Chairman Qi."

Zhao Xiaocheng hesitated, "Our chairman is a little busy today."

Wang Chong smiled slightly, "Director Zhao, this happened to your company today. We are here to do post-loan management. By the way, you will do your company's credit rating survey in our bank. I have heard about Chairman Qi Daming for a long time. Please inform me."

Corporate credit ratings are generally a comprehensive rating of the business, financial situation and profitability of a third-party credit rating agency. As a reference for the banking industry to grant credit to enterprises. In addition, various bank financial institutions also conduct overall assessments of credit enterprises. This evaluation result directly affects whether the company can renew the loan after the loan expires, whether the principal is reduced, etc.

Logically speaking, Wang Chong is the president of Chengdong Branch. He came to visit Qi Zhongyuan with his rank. Qi Zhongyuan doesn't have to pay attention to it. However, on the one hand, Qi Zhongyuan has heard of Wang Chong for a long time, but he has never seen him. He is a little curious about him. Secondly, if he offended Wang Chong, if he downgrades the credit rating of Tianma Group, it will have an adverse impact on the next step of the company's operation, so he still received Wang Chong and his party in his office.

"I have heard that Donghua Bank has a president who is young and promising and decisive. Today, I saw it well-known and long-term! " When Qi Zhongyuan saw Wang Chong, Zhang Feifan arrived and stood up to greet him with a smile.

Wang Chong saw that Qi Zhongyuan was not tall, wearing a cotton coat, speaking kindly and without any airs. At first glance, he looked no different from the old man in the village. The only difference was that his eyes seemed to be very penetrating and could see through people at a glance.

Wang Chong bowed, "Mr. Qi, Wang Chong came to bother him today, please forgive me."

"What's the matter with President Wang? Haha, you Donghua Bank are our financial backers. We are here to welcome you. We are not too late. Please sit down!" Zhao Xiaocheng consciously sat down next to him, boiling water, tidying up the tea sets, and making tea for the old man.

Wang Chong thanked the tea and looked at Qi Zhongyuan's office.

The office is nearly 100 square meters, and the decoration is quaint. Made of old agarwood in the tea table and tea table, it exudes a faint fragrance, and it looks a bit old. The desk and bookcase are all big fruit red sandalwood, simple and simple, without messy carving patterns.

Wang Chong drank a sip of tea and said, "My grandfather is so elegant!"

Qi Zhongyuan laughed and said, "When I was a private teacher, I was cleared out in the early 1990s and went to business. Although I have been infected with a lot of money in recent years, I still have some trauma of literati in my bones. I can't change it or I can't change it!"

Wang Chong looked up and saw a plaque hanging on the middle wall. It was Cao Cao's "Short Songs" with a character six feet square and about eight feet in size. The signature was an alias, with only one private chapter and several elegant chapters. The font is ancient and clumsy, neither regular script nor official script, both regular script and official script. The brushwork is square and round, and the mood is full of interest and elegant style. It is the brushwork of the two Cuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan Chuan

Although Wang Chong was not proficient in calligraphy, he had the ability to appreciate it. He could see at a glance that the character was written by Liu Jianguo. He pretended not to know it and said, "This character is so strange. It looks extremely ugly, but it is thick and neutral overall, which is really extraordinary."

Qi Zhongyuan smiled and said, "Speaking of this, I have a connection with this calligraphy. Last year, I went to Hong Kong to discuss business. When I saw this calligraphy in the exhibition hall, I was so itchy that I bought it."

Wang Chong remembered that Liu Jianguo had a pair of characters taken away by a calligraphy and painting show in Hong Kong for 500,000 yuan. It seemed like this song "Short Song Show". He secretly wrote it down in his heart, commented a few words and then changed the topic.

After a few people sat down for a while, Qi Zhongyuan introduced the experience of making a fortune in Tianma Group, and then told about the future strategic plan. He was full of confidence in the prospects of the entire Tianma Group. Wang Chong noticed that Zhao Xiaocheng looked bitter when he heard these, but he just echoed a few words casually. More than half an hour passed in a blink of an eye. Qi Zhongyuan's assistant came over to remind him that there would be a meeting later. Wang Chong stood up to say goodbye.

Qi Zhongyuan said: "You just connect with Director Zhao about credit rating. If you encounter any difficulties, just come to me." Having said that, until you leave, Qi Zhongyuan didn't even hand a business card to Wang Chong.

After leaving Tianma Group, Zhang Feifan said: "Tianma Group has an external debt of nearly 20 billion yuan. Its diversified investment has lost its leading projects, and the construction projects have occupied a lot of funds. In my eyes, it is like a freighter leaking in the ocean. It is hard to say whether it can drive towards the key points. Where did Mr. Qi get the confidence? I am going to buy land and start the project next year?"

Wang Chong praised a little, "In the past six months, I have improved a lot of my skills. I can see the essence through the phenomenon. Not bad!"

Zhang Feifan was a little proud and said, "That's right, don't look at whose apprentice I am."

Wang Chong said, "Then you can analyze why he wants to continue?"

"He is just drawing a cake for us so that we can increase our confidence in their group. Moreover, when companies reach this level, their annual income may not cover their expenditures. Only by buying land and placing projects can they raise more funds from the bank and maintain the company."

Wang Chong asked: "We can't help but raise them."

Zhang Feifan knew that Wang Chong was deliberately taking the exam and analyzed: "Our bank has been kidnapped by the company. If we want the other party to continue to maintain it, we can only continue to increase credit for them. Otherwise, waiting for us will be a large-scale non-performing loan, and our bank and the company will be ruined! Over the years, they have used our money, and their interest is also loaned to them. What's more, if we don't give them continued loans, will the government agree to the tens of thousands of employees be unemployed?"

Wang Chong nodded. Zhang Feifan's progress is obvious to all. His vision is pretty good. It is natural to give him an advanced evaluation. Wang Chong continued, "What should I do?"

Zhang Feifan said: "Tianma Group is like a balloon, the bigger it gets, and one day it reaches the critical value and will explode. If it is me, I will find a way to deflate, close some unprofitable projects, sell some assets and subsidiaries, and look back at the origin of the real economy, maybe there is still a lot of things."

Wang Chong shook his head, "You are all analysing. Why don't you know this truth if such a big boss in Qi Zhongyuan knows this? However, it is easy to say but difficult to do. Not to mention anything else, just the news of selling assets is enough to suspend the stocks of several of their listed companies."

Zhang Feifan wondered: "What should I do?"

Wang Chong sighed, "Dead."

"Then they just hold on like this, waiting for death?"

Wang Chong smiled and did not answer. This matter was a dead end for Tianma Group, but for Qi Zhongyuan and the senior management of the group, it was not the case. Over the years, Tianma Group has borrowed more than 20 billion yuan from banks. I am afraid that only they themselves know how much they can actually use. No matter how short of money Tianma Group is, Qi Zhongyuan and others will not be short of money.

Wang Chong investigated that there were three villas under Zhao Xiaocheng's name, countless commercial housing units, and five or six companies under his son's name. He took over the engineering projects from Tianma Group and then subcontracted them out, making a lot of money. Didn't the money be loaned to Tianma Group from the bank.

When he got home, Wang Chong turned on his computer and went online to check the Hengyuan calligraphy and painting business in Hong Kong. He found that it was just a registered bag company and used some related words to search for news about calligraphy and painting business. He found that in the past few years, the calligraphy and painting business had only been auctioned by some calligraphy and painting works from several auctions in Donghua City. Wang Chong changed several keywords and found that the legal person of the calligraphy and painting business was the same person as a director of the Tianma Group.

Wang Chong was shocked. Liu Jianguo has made a lot of money by selling calligraphy works over the years, and a large part of it comes from this calligraphy and painting business. In other words, the so-called pen-making fees were actually secretly funded by Tianma Group. Although there is no conclusive evidence, it is basically the case from some clues. Unexpectedly, Liu Jianguo, who promoted himself, actually accepted bribes from Tianma Group in private. No wonder Tianma Group nominated Liu Jianguo as a director after he raised the bid for Donghua Bank and tried to push Lin Tianhua off the board of directors. It turned out that this relationship was still there.

Wang Chong knew the seriousness of the matter. If this matter was exposed, the senior executives of Donghua Bank were suspected of economic crimes, and the blow to the entire Donghua Bank would be huge. Not to mention going public, the huge fines from the Bank of China Regulatory Bureau alone would be enough to put Donghua Bank in a quagmire. Wang Chong was a little hesitant. Does Lin Tianhua know about this?

Lin Tianhua is in a high position and has been very jealous of the suppression of Liu Jianguo's faction recently. After that board of directors, the so-called New Donghua faction and the Old Town Strong Sect have long disappeared with Lin Tianhu's strong intervention. In the past, Lin Tianhua knew that the existence of these "two factions" had never taken action, but once he seized the opportunity, it was a thunderous method. Although Lin Tianhua was strong, his mind was very meticulous and he planned it before he acted. The recent series of actions made Wang Chong look at him with admiration.

Wang Chong sorted out his thoughts and decided not to tell Lin Tianhua. First, as he was, he could not participate in this struggle. Secondly, this matter was only Wang Chong's speculation and there was no conclusive evidence. Wang Chong was not a gossiper, and he did not need to use this method to please Lin Tianhua, or express his sincerity to Lin Tianhua.

In the last two days before the Spring Festival, there was not much in the business. Ma Xiaoxiao also worked overtime continuously and finished writing the column content of the next three issues in one go. The two finally had time to stroll around. Wang Chong accompanied Ma Xiaoxiao to buy New Year's goods. This was her first time to go to Wang Chong's house. She bought a bunch of gifts for Wang Chong's parents, which was a lot of money.

Even so, Ma Xiaoxiao was still a little worried, "Wang Chong, do I want to buy them some other gifts?"

Wang Chong smiled and said, "I will take you home, it is the best gift."

Ma Xiaoxiao's face turned red and she smiled, "You have learned to talk poorly recently."

Wang Chong laughed, "Would I be flirting with a tight face like a wood? Would you like me like this?"
Chapter completed!