In a blink of an eye, the end of the month has arrived.
Sitting in the president's office, looking at the eye-catching numbers on the report, Ye Xin couldn't help but feel happy, feeling that the sunshine outside the window was particularly bright.
This month, the bank's deposit and loan data bottomed out and increased by more than 50% compared with the beginning of the year, which is close to the indicators issued by the provincial bank.
There is still one month before the end of the year. According to this trend, if you work harder in December, you can easily complete the tasks for the whole year; if you work harder, exceeding the quota will not be a problem.
Ye Xin lit a cigarette and took a few puffs comfortably. Ever since I came to Fengcheng Branch, I haven’t had such a relaxing moment for a long time.
He had been the director of the Provincial Bank's Credit Department for five years, and his arms and legs were almost rusty.
This time, the demobilization was indeed based on the idea of "gold-plating" to make up for the shortcomings of "no grassroots work experience" and wait for promotion and appointment.
Therefore, he knew the purpose of his visit, and he understood, considered and even sympathized with Tao Ping. Who doesn’t want to take another step forward after a long journey, not to mention this is Tao Ping’s last chance.
However, there must be a first-come-first-served basis for every carrot and pit.
He didn't want to stay here long. However, he still couldn't give this pit to Tao Ping until he found another suitable pit.
Accustomed to the condescending attitude, Ye Xin instinctively fought back directly. Later, he discovered that sometimes, power does not always work so well.
After all, humans are not like computers. As long as you give instructions, it will run according to the established program. It is common for people to obey on the surface but go their own way secretly.
In the final analysis, he is a "migrant" and has no deeper roots than Tao Pingye. A passing abbot's tea will get cold as soon as he leaves.
Fortunately, it is the same in the workplace and officialdom. There are no permanent friends or permanent enemies, only permanent interests.
Each takes a step back and gets what they need. Because most of the time, compromise and win-win are the best options.
Ye Xin knew this, and Tao Ping knew it even better.
It is true that there is only one pitfall, but Ye Xin can clear this pit in advance, and Tao Ping can still be the president of the bank.
After relaxing, Ye Xin still felt a little uneasy when she thought of those loans.
Drink poison to quench thirst.
Could this drink be a poisonous wine?
However, there is no better way at the moment. There are too many monks and too little gruel, so you can’t pick and choose.
At that meeting, the remarks made by the branch presidents were not all excuses.
New banks continue to set up branches, and market competition is becoming more and more fierce. Despite repeated orders from regulatory authorities, it is still not uncommon to attract savings at high interest rates and disguised reductions in loan interest rates.
Local financial institutions like Rural Credit Cooperatives are independent legal persons with flexible systems. They have the final say and like to play around with things on the sidelines.
For the same business, CCB often cannot compete with rural credit cooperatives.
In the past two months, I have really been walking on thin ice and trembling with fear. Fortunately, it was only two months, otherwise Ye Xin would never have dared to take this risk.
When the time comes, he will leave and leave the rest to Tao Ping. Who makes him want to be the president of the bank? As long as the loan can be recovered, the violation shouldn't be a big deal.
Thinking of this, Ye Xin's frown relaxed.
The November sunshine was shining warmly on the window glass, revealing an unreasonable joy.
Ye Xin picked up the report again, looked at it a few times, and suddenly thought of the Marriott Group.
After experiencing the jumping incident, Marriott Group gradually emerged from the predicament and its business developed rapidly.
Ye Xin's original plan was to snatch Marriott Group away from the Agricultural Bank of China and make it his key customer. But now that I have the idea of leaving early, my thoughts are not so urgent.
I wonder if in the last month, we can use the Marriott Group to surge up the end-of-year indicators.
You should go and visit Wan Daming first.
Ye Xin thought about it and raised her hand to grab the phone on the table. As soon as a number was dialed, there was a sound of footsteps outside the door.
Ye Xin looked over and saw Li Ji had arrived at the door. He couldn't help but smile and waved to Li Ji: "Xiao Li, come in quickly! I'm just looking for you."
"President Ye, do you have anything to do with me?" Li Ji walked in and asked.
"Xiao Li, please accompany me to visit Mr. Wan Lao when it's convenient." Ye Xin put down the phone with a smile on her face.
"President Ye, it depends on your time..." Li Ji was stunned for a moment before answering.
"Well, okay," Ye Xin responded, looking at the pile of materials in Li Ji's hand, she raised her eyebrows and said, "Xiao Li, what's the matter?"
"President Ye, take a look," Li Ji handed the materials to Ye Xin, "The credit department reported another amount..."
Ye Xin took it, looked at it for a few times, then raised her head: "Huh?"
"It's still Wenyuan Chemical Plant, and we need to add another 30 million. How can this be done!" Li Ji pointed and raised his voice, "Sixty million is already an illegal approval. Isn't this just pushing the envelope? It's better to do it together for the first time. Just approve it!"
Li Ji turned his head angrily, his chest heaving.
Ye Xin did not answer immediately. She took a puff of cigarette silently, lowered her head and looked at it for a long time, then gently put the materials on the table: "Xiao Li, approve it."
"Ah? President Ye!" Li Ji's eyes widened and his mouth opened wide and could no longer be closed.
"I said, please approve it." Ye Xin repeated, his voice was very soft.
"President Ye?!" Li Ji suspected that he heard wrongly.
"Approved." Ye Xin looked at Li Ji and smiled bitterly, "If there are too many lice, they won't bite. I've already loaned out 60 million, do you still care about the 30 million?"
"President Ye, you..." Li Ji was like a deflated ball.
"Hey, if you want to break the rules, let's break them together..."
Li Jideng immediately shut up and had no words to reply.
A few days later, the bank-wide commendation and mobilization meeting was held grandly.
To the sound of cheerful music, Tao Ping and Ye Xin walked into the conference room one after another.
The two of them were talking and sat down on the podium, with smiles on their faces like the warm autumn sun.
The conference room was full.
The branch presidents also looked relaxed, whispering to each other and chatting in low voices.
Li Ji sat in the corner of the last row, his head sullen, no smile on his face, looking very worried.
Tao Ping moved his body, moved the speech notes on the table in front of him, and scanned the audience.
The music stopped immediately.
Tao Ping pressed the microphone down and coughed softly: "...The commendation and mobilization meeting begins now!"
The conference room fell silent.
"Now, I would like to ask President Ye to summarize the deposit and loan completion status in November..."
Ye Xin's face was red and she was confident: "Comrades, the growth of deposits and loans across the bank was strong in November, especially loans..."
Li Ji listened in the audience, feeling increasingly panicked.
How many of such large loans have problems? Can this mess be cleaned up in the future?
Of course, I am clear about the few loans I have handled; but I have no way of knowing how many tricks were involved in the loans that were previously approved by the credit department.
Just as he was thinking about it, there was a burst of applause from around him.
Ye Xin finished speaking.
"Next, we will commend units and individuals with outstanding performance..."
Tao Ping announced loudly.
Read the names one by one.
Li Ji listened to them one after another and didn't take it to heart at all. This is a matter for the front desk. It has nothing to do with you anyway, so just listen.
Suddenly, his heart skipped a beat.
Li Ji heard his name.
"We would like to award this special contribution award to Comrade Li Ji of the newly established Credit Approval Center..."
Li Ji was stunned for a moment and looked at Tao Ping involuntarily.
"...The Credit Approval Center fully supports business development, is proactive in the loan approval process, and puts forward many constructive opinions and suggestions..."
This honor came so suddenly, and Li Ji had no mental preparation at all.
All he could think about was how to make these problematic loans formally compliant and recover them as soon as possible without causing actual losses due to potential risk issues.
"...After research and decision by the Party Committee, Comrade Li Ji will be given a reward of RMB 5,000..."
Many people's eyes were on Li Ji.
Li Ji's face felt hot, and he felt like his ears were red.
"Comrade Li Ji please come to the stage to receive the award!" Tao Ping stood up, "Everyone applauds!"
After a moment of silence, applause broke out.
"Comrade Li Ji, please come to the stage to receive the award!"
Ye Xin leaned forward and looked around the audience.
"Xiao Li, why are you sitting so far back?" Ye Xin waved her hand, "Come on, come on, come to the stage!"
Li Ji felt like he was taking a shower, but suddenly the curtain was opened, revealing his naked body.
It's really funny to help cheat and get approval in violation of regulations, but not only not to be punished, but to be commended and receive bonuses.
Li Ji would rather be criticized than receive this award.
"Head, come up quickly!" Xiao Zhu stood aside and poked Li Ji hard with his hand.
Li Ji stood up hesitantly, not daring to look either way. He lowered his head, walked through the passage, and walked to the rostrum.
The music starts again.
Across the table, Tao Ping handed a thick envelope into Li Ji's hand.
Li Ji hesitated and took it slowly.
The envelope is heavy.
Through the unsealed seal, a brand new hundred-dollar bill could be seen inside.
Li Ji held it in his hand, still lowering his head.
For the first time in his life, he felt that money was hot to his touch.
Li Ji raised his head and met Tao Ping's eyes.
Tao Ping had a pleasant smile, but the meaningful chill in his eyes made Li Ji feel a chill down his back.
Tao Ping glanced sideways at Li Ji and clapped gently.
Ye Xin also stood up and clapped her hands several times.
There were a few sporadic claps from the audience at first, and then they merged into one thunderous applause.
Li Ji turned around and looked at the dense crowd of heads and sparkling eyes in the audience, and couldn't help but lower his head again.
At that moment, he wanted to throw the envelope back and give it back to Tao Ping.
However, Li Ji knew he couldn't.
The eyes in the audience were like needles, piercing Li Ji's whole body like a layer of fire.
Li Jimuran walked back, his vision blurred.
He felt that his feet were stepping towards the cliff step by step.
