The next day, President Hou and Director Yang went to the city branch and asked the branch leaders to give them an explanation for not writing off the tape recorder factory's loan.
What surprised them was that as soon as they finished explaining their purpose, the vice president of the municipal branch in charge of credit business, President Gao, handed them a document with a cold face.
President Hou took the document and took a look at it, finding it was exactly what she wanted. She gave it to Director Yang, who was also surprised when he saw it.
President Hou had already noticed that President Gao looked unhappy, so he stood up and said goodbye.
On the way back to the branch, President Hou suddenly said, "Did the city branch know we were coming to ask for an explanation? Otherwise, how could this material appear so promptly?"
Director Yang, who was reviewing the documents, said, "That seems to be the case. President Hou, look at what's written here. Simply writing off the debt is shirking responsibility and an irresponsible act with respect to funds. If this continues for a long time, it will inevitably cause adverse social repercussions and significant losses to the national economy. That's a pretty strong accusation!"
President Hou didn't say anything, just looked ahead.
Director Yang added, "Oh, it also says here that when bad debts arise, instead of thinking about how to revitalize them, the first thing they think of is writing them off. This is irresponsible to the financial industry."
President Hou couldn't help but say, "Alright, we've written off so many things before, and I've never heard anyone say anything irresponsible."
Director Yang looked up at her and said, "President Hou, have you forgotten? Before President Gao went to the city branch, he was the president of our branch!"
President Hou suddenly realized that different positions require different perspectives on issues.
President Gao had originally resorted to writing off debts to improve the branch's balance sheet and avoid the accumulation of so many bad debts. Now that he was the head of the city branch, he naturally no longer had to consider the branch's balance sheet, but rather the so-called social impact and the national economy.
President Hou was a little depressed, wondering whether he should go through the city branch to find the provincial branch.
After she expressed her thoughts, Director Yang said, "Go, you must go. President Hou, think about it. Going through the write-off process is in the best interests of our branch. Although the city branch has this opinion, we can report their opinion along with ours to the provincial branch. Then, let the provincial branch make the final decision. That way, we still have a 50% chance."
"Is this appropriate?" President Hou said with some concern.
"It's appropriate, very appropriate. Although our superior is the municipal branch, our business is relatively independent. Since bad debts have appeared, we must handle them according to procedures. If the provincial branch also disagrees, then we can ask the provincial branch to give us advice on how to deal with this matter."
After Director Yang finished speaking in one breath, he cursed Li Cheng in his heart.
Why did he scold Li Cheng? It was all because Li Cheng was too careless. This document was printed at Deputy Director Cao's place, so naturally there were traces of Deputy Director Cao's printer.
What traces? Clear handwriting and neat formatting. Furthermore, the language used in this document bears the hallmarks of Deputy Director Cao. For example, "this is irresponsible, that is irresponsible" is a common phrase used by Deputy Director Cao.
Director Yang has been frequently going to Deputy Director Cao to print documents recently, so he has a deep impression of that printer and thinks it is the best printer in the world.
So, after comprehensive consideration, he knew that it was Li Cheng who was behind this.
Deputy Director Cao would not be interested in the bad debts of the tape recorder factory. The only one who was interested was Li Cheng, who suggested "stepping on the stove to get on the kang."
But Director Yang liked Li Cheng's involvement. Director Yang worked in credit, and he had written off a lot of bad debts.
Director Yang feels very uncomfortable every time he writes off bad debts, because the bank's money is deposited by ordinary people and various enterprises and institutions. The bank lends it out, and in the end, it loses it.
Although the money can be written off if it is gone, when ordinary people come to withdraw the money, you can't say that the bank has lent your money to others and can't collect it back, so please be patient and don't withdraw the money.
If that were the case, no one working in the bank would live past the age of thirty.
The money has to be given to those who deposit it, and this money has to come from somewhere else. It cannot be created out of thin air anyway.
In Director Yang's mind, the result of cancellation is to add water. If there is less rice, water will be added, and in the end the rice soup that the people drink will become thinner.
Director Yang was fundamentally opposed to write-offs, but when faced with bad debts, he had no other options. Especially in recent years, how could there be so many bad debts?
Li Cheng's irresponsible behavior was actually what he wanted to say. Although, he was also one of the irresponsible people.
But he still urged President Hou to report the situation to the provincial branch to see if the write-off procedure could be carried out, as this was the responsibility of a credit officer.
But at the same time, he also wanted to have a good chat with Li Cheng to find out what Li Cheng was up to. If this trick really didn't require writing off the loan, he would do his best to help Li Cheng revitalize the loan.
Director Yang wants to be a responsible person and really wants to be such a person.
But President Hou didn't want to be that person, because she felt that only by going through the write-off process would the loan not be a burden on her.
Since President Gao has written off so many loans, what's the big deal if I write off just one? You say I'm irresponsible, but how responsible were you back then? Didn't you lend all that money when you were the branch president?
"Director Yang, please prepare the materials. We will go to the provincial branch tomorrow."
After saying this, President Hou closed his eyes slightly, looking like he was thinking about something.
Director Yang said "OK", but took out his cell phone and sent a text message.
After get off work that afternoon, Li Cheng arrived at the pub in the alley early as agreed.
When Director Yang arrived, Li Cheng had already ordered the dishes and asked for a bottle of wine. After Director Yang sat down, he opened the bottle and was about to pour the wine for Li Cheng, but Li Cheng quickly stopped him and said, "I'm quitting for now. Let's talk about it later."
Director Yang was stunned for a moment, then he remembered the legend in the branch that Li Cheng had encouraged Lao Cheng to quit drinking, and he accompanied him.
Director Yang then said, "Is it for Old Cheng? I'm impressed by you. You've made Old Cheng live like a human being."
Li Cheng laughed and said, "He was originally a human being. It's because the others never treated him as a human that he became like that."
Director Yang smiled and said, "Since you don't want to drink, I won't drink either."
Li Cheng quickly grabbed the bottle and said, "No, if you don't drink, how can you tell me what's in your heart?"
After that, Li Cheng poured him a full glass of wine, and then said: "The wine should be full, the tea should be shallow, we are brothers, drink it in one gulp."
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