Rebirth of the World’s Richest Man

"Isn't it just 700 million? It's nothing. Huahua Bank is a big company. 700 million is nothing. This is just the Yazhou branch. It's just...who the hell is it? It owes me 700 million." If you don’t pay it back, isn’t my money money?”

Jiang Xiaobai was cursing in his heart, but on the surface he looked calm and understanding.

These other senior executives of the branch did not know Jiang Xiaobai well and thought that Jiang Xiaobai really understood him and thought it would be okay. However, Mr. Huang had been following Jiang Xiaobai for a long time and he still understood Jiang Xiaobai.

I know what it’s like for Jiang Xiaobai to really be fine, and what it’s like to pretend that everything is fine.

Compared with the huge amount of money released, the overdue amount of 700 million is indeed a normal operation. Everyone in the know understands it, but you can't expect everyone to understand it, let alone the boss.

The boss is a layman to begin with.

So Mr. Huang still wanted to explain: "Director Jiang, in fact, this overdue loan does not mean that we will definitely collect it..."

"No, didn't I say that? Stop talking and continue reporting. Seven hundred million is nothing. Do you think I care about it? Will you take it to heart?"

The more Jiang Xiaobai said this, the weirder Mr. Huang felt. He knew that he couldn't explain it anymore. If he continued to explain, he really felt that Jiang Xiaobai was petty and petty.

Don't talk about whether the boss is petty or petty. Even if he is like this, you can't expose the boss in front of everyone.

So Mr. Huang could only bite the bullet and continue: "Director Jiang, the total amount of dead loans and bad debt loans is 1.3 billion."

Sluggish loans and bad debt loans should have been reported separately, because there is still a difference between sluggish loans and bad debt loans.

If we use various definitions and nouns, there must be differences between loans with full provision for bad debts, three years, and classification of causes.

But in layman's terms, it's very simple.

An overdue loan means that no money has been paid when it is due, and a sluggish loan means that it has been due for a long time and has not been repaid. I am not sure whether it can be repaid in the future. It may be repaid, or it may be repaid completely. Not on.

As for the final bad debt loan, it has been confirmed. If it is completely repaid, the money will be wasted.

Therefore, there is a difference between sluggish loans and bad debt loans. Normally, they are reported separately, but Mr. Huang saw Jiang Xiaobai's dissatisfaction, so he simply reported them together.

"The total of sluggish loans and bad debt loans is 1.3 billion, which means that the 1.3 billion will not come back, right?" Jiang Xiaobai frowned immediately.

"Director Jiang, it doesn't mean that the money will not come back. It is possible that the sluggish loan will come back..." Mr. Huang wanted to explain.

Jiang Xiaobai waved his hand directly: "There is a possibility that you will come back, which means there is a possibility that you will not come back, right?"

Mr. Huang nodded bravely.

"What kind of companies are these loans given to? Why can't they pay back the money? Are they bankrupt? Or are they liquidated or just dead?" Jiang Xiaobai asked dissatisfiedly.

"This, this specific information, I will ask someone to find it later." Mr. Huang said hesitantly, mainly because he did not expect Jiang Xiaobai to ask this matter before.

"Okay, there's no need to find it and give it to me. You can follow the relevant procedures later and continue to collect the debt. The debt will be wiped out after death. Be careful of these people taking advantage of loopholes. If the person is gone, forget it, but if some companies are doing some transfer Assets and the like.

Don't be afraid of spending money. If you need to file a lawsuit, file a lawsuit. If you need to collect debts, you can't say that a good loan has become a bad loan, even if you spend more time and energy on it. "

Mr. Huang and a group of senior executives nodded quickly.

"In addition, for overdue loans, a response mechanism must be established as soon as possible to verify immediately what is the reason for the overdue loan? Is it because of real difficulties, lack of payment, or other reasons? If you don’t pay back, why should you pay back the money you borrowed based on your ability?

If it is really difficult, then there is no problem. If you need funds, you can lend money a second time. But if you have money that cannot be repaid, then we will show our tough side and handle it. As banks, we must not only have a bodhisattva heart, but also have to There are thunderbolt methods..."

Jiang Xiaobai said, and Mr. Huang kept nodding. These things Jiang Xiaobai said may be different from the operation of normal funds.

But Mr. Huang did not refute, and Jiang Xiaobai became angry. Isn't refuting at this time just looking to get scolded?

There are 700 million in overdue loans, 1.3 billion in sluggish loans, bad debt loans, and a total of 2 billion in non-performing loans. Although these have been accumulated over the years, it does not mean that there will be so many this year.

But it is still a non-performing loan.

"Don't worry, Director Jiang, in the next step we will introduce relevant measures and establish a rapid response mechanism, which will definitely reduce the proportion of non-performing loans..." Mr. Huang quickly expressed his position.

After Jiang Xiaobai got angry, he asked Mr. Huang for a list of overdue loans.

"Is there anything on this list that you think you can't afford to offend and can't ask for? If there is something similar, tell me directly and I will come to you to ask for money." Jiang Xiaobai asked, looking at the list.

Mr. Huang shook his head dumbfounded: "No, Director Jiang, in order to protect the interests of Huahua Bank, there are no accounts that we dare not ask for."

"That sounds pretty much the same." Jiang Xiaobai nodded with satisfaction. Mr. Huang wiped the sweat from his forehead. This is how he followed Jiang Xiaobai. Sometimes, Jiang Xiaobai may not understand the management of the company, but the problem The key is that Jiang Xiaobai often handles things differently from normal methods.

"Director Jiang, I will continue to report on the overall business overview. First of all, it is the large-scale growth of asset scale and the upgrading of industrial structure... In fact, it is the improvement of risk internal control system and the improvement of asset quality. As Director Jiang said, risk The control of loans has always been the most important link in the system construction of banks. If the risk control is done well, then everything else is easy to talk about. However, if the risk control is not done well, the non-performing loan ratio will not decrease. In this process, what is needed is coordinated development and continuous strengthening of comprehensive risk management...

By the end of the year, we will achieve four reductions in the non-performing loan ratio, the amount of non-performing loans, the total amount of overdue loans, and the overdue loan ratio..."

Mr. Huang reported impassionedly that some things were obviously added temporarily by him, such as the four lowering tasks. But Jiang Xiaobai likes to hear this...