As Zhang Weihao expected, the former president and the heads of the investment and loan departments who did not get first-hand information were immediately in trouble. The main problem was that Zhang Weihao refused to sign before.
"I am not familiar with them. I don't know the information of these companies and individuals. Why should I agree to lend? As for the income problem you mentioned, the financial product I launched before should be able to solve it. As long as it is sold normally, everyone's income will be more than 30% higher than the same period last year or even the first quarter. Not only is it not affected, but it has increased a lot."
Zhang Weihao has calculated this, so it is not justifiable to use this as an excuse. Of course, some rebates and rebates are illegal income that cannot be put on the table. Using the impact on income as an excuse is not justifiable.
As for the gold futures principal-guaranteed financial project that Zhang Weihao launched on Friday can't be sold.
Don't be ridiculous. This is a principal-guaranteed investment, meaning the principal can be returned, and the annualized return is 7%. The interest will be paid every six months. After three years, the interest and principal will be returned together. This is a guaranteed investment product with very considerable interest. How could anyone refuse it? The sales team and department can all be replaced if it can't be sold. What's the point of such a waste?
Liu Yuanchao, now the vice president, was the original president of the Shanghai branch. As the original top leader, he naturally had something to say. The first sentence was: "If Yinghai Group's loan is not approved, others will most likely cancel their cooperation with our bank. Do you know what this means?"
"I really don't know. Tell me about it."
"Our bank will lose at least 1 billion in reserve deposits."
"Then I would like to ask one more question. How much was the previous loan? I remember that the loan of Yinghai Group was an old debt converted into a new debt, and the loan amount was increased, right?"
Liu Yuanchao's face changed, and he replied with some lack of confidence: "Five hundred million."
"Yes, they already owed us a loan of 500 million and then counted all the so-called salary, social security, and enterprise reserve fund, which is at most 10 billion. Now, the loan of 500 million is changed to 800 million, and we have to reduce the interest. All are calculated according to the latest 4.3, or the new five years. Business is not done this way.
They can save or not save. If they don't want to cooperate, let them take the money and leave. However, the loan owed to us cannot be reduced by a penny. They can only leave after the money is paid off. Otherwise, I can apply for deposit freezing and order the other party to repay the loan in advance. At worst, I don't want all the interest in the future; get back the principal. "
Zhang Weihao of Yinghai Group vaguely remembered that it was a construction company in a TV series. It seemed to have many problems, so it was right not to cooperate. When he saw that Liu Yuanchao, the former president, had recommended it, he subconsciously felt that there was a trap.
"I don't want this; I don't accept that. Business doesn't work this way. You can't rely on selling so-called financial products for all the profits of the entire bank. How can you make money with an annual interest rate of 7% and a quota of 1 billion for three consecutive years?"
"Does anyone else have anything to say? No one? OK, Manager Wang, report your previous risk control audit directly on the spot."
After watching the good show for a long time and truly seeing the dark side of this new president, Wang Wei made up his mind not to go against this person. This person is terrifying. Apart from anything else, the profit of 900 million alone directly won the first stage of the inheritance test this time. He can likely inherit the bank. He can't think of other candidates who can do anything against the sky.
When Wang Wei reported the relevant transaction information and confirmed that it was valid and that there was already 1.9 billion in the current account, everyone was collectively dumbfounded. Liu Yuanchao, who had been jumping up and down as if he was forcing the emperor to abdicate, was completely speechless. He was dumbfounded and muttered to himself as if Xianglin Sao was possessed: "1 billion made 900 million, it only took one night... 1 billion made 900 million, it only took one night?" "Okay, everyone is quiet. This is the reality. Although I need to pay 210 million in interest within three years, it is no longer a problem. I will find an opportunity to move next month and strive to make the final profit of 2 billion, and then I will enter. The bank will seal and withdraw the funds, freeze the principal of 1.21 billion, and regularly support the interest and return the principal. The remaining part will be one of the profits of our Shanghai branch in the second quarter.
According to the company's incentive system, as the person in charge, I can get 20% of the final profit, which is about 350 million, so there will be about 1.5 billion in profit at that time. This profit is enough, right? "
A group of branch executives looked at each other. It's not just enough. The head office may not be able to earn this amount in a year. Just thinking about it is terrifying. It's just a normal mortgage or investment. It's unlikely to earn this amount in ten years. That thing is not a guaranteed profit. The probability of bad debts is very high.
Seeing that everyone was shocked by him, Zhang Weihao continued, "You all know why I am sitting here. I won't play any tricks with you, and I am too lazy to tell who is human and who is a ghost. It doesn't make much sense to me.
You don't have to worry about making money. Just maintain the status quo and not cause trouble or hold me back. The final sealing of this financial project will be completed in early June, and my 350 million will be directly cashed.
So in the three months from April to the end of June, if you cooperate with me and don't cause me trouble, I can take out 1.5% of the final profit of this financial project at the end of June to give you dividends, that is, cash rewards.
You don't have to report to the company. I will give you a personal dividend from my dividends. The management will get 0.5%, starting from the department manager, and it will be distributed per person; other ordinary employees, including security guards and cleaning ladies, will share 1% equally."