Wild Dragon

Chapter 266 Bad Debt Crisis

Bai Jingchu's phone call was to "borrow" asparagus bamboo.

"Take over that girl Wenzhu, let my sister spend two or three months... um, half a year at most." Bai Jingchu said, "There is a female client who wants to hire a high-level female bodyguard, saying it is convenient Daily life. There are few female bodyguards, and their strength is generally a bit weak. My Zhenghe bodyguard company only has a few, and they still look down on them."

"Is it worth it!" Yi Jun smiled, "Isn't it just a bodyguard business, it's a big deal not to do it."

Bai Jingchu curled her lips on the phone: "It's a matter of making money or not. If I can't provide a suitable female bodyguard, I'm afraid people will doubt my ability as a bodyguard company. It's a bit embarrassing. Now Jun'an Bodyguard Company is in a difficult situation. The big decline, my sister is trying to build her own strong brand." [

"Let Hongdou go." Yi Jun thought to himself, Wen Zhu still has to protect Sister Lan.

Bai Jingchu reasoned?Unless the sun comes out in the west. "Nonsense, Hongdou is protecting my sister! Lanlan has you, a master, at her side, and Zhanxiong is also in Jiaolian, but Hongdou is alone by my sister's side. Okay... how about Hongdou to take this business, From now on, you will accompany and protect my sister every day, okay? Hey!"

Think beautiful!

But Bai Jingchu's worry was unreasonable.Now in this turbulent period, the underground world is turbulent.As an out-and-out elder sister of the underground circle, Bai Jingchu must have a capable bodyguard by her side.Yi Jun said that he asked Hongdou to pick up the business, which was just a joke.Even if others want to transfer Hongdou away, Yi Jun will take the initiative to stop it.

As for Sister Lan, the property is not big, and the taste of underground status is not so strong, but there are Yi Jun, Xiao Zhanxiong here, plus Chen Yankui and Li Wuzhou and others.Then taking out an asparagus bamboo is not a big deal.

Therefore, Yi Jun still agreed to let Wenzhu go there for a while, which can be regarded as helping Bai Jingchu.As for using a former ace killer as a bodyguard, he is definitely capable of doing the job, and no matter how picky the client is, he can't say anything.

However, Yi Jun asked again casually: "What kind of female client is this, who is picky about her nose and eyes? Could it be that she has encountered some difficult and important matter?"

Bai Jingchu explained, and Yi Jun immediately understood.

It turned out that the client who hired the female bodyguard was the director of Jiangning Rural Credit Union.Credit unions are banking financial institutions, but their operation and management are more flexible than those of large commercial banks.However, it is also too flexible, which leads to a lack of restraint in lending out, and a lot of bad debts.

To give a small example, this credit union has a relatively flexible loan method-three-household joint guarantee.In other words, if you want to take a loan of 10 yuan from this credit union, you don’t even need any collateral at all, and you can get the money from the bank by finding at least three people with good reputation and similar strength to help you guarantee it. loan out.

Although there are still some review procedures in actual operation, as long as there is an acquaintance in the credit union, it is basically easy to get this kind of loan.

However, this kind of guaranteed loan has been released more, which eventually led to more bad debts.A large number of uncredited lenders, or those who really have no strength to repay, often have the intention of reneging on their debts.In this way, all the shortfalls are on the credit union's head.

According to Bai Jingchu's communication with the director of the female credit union, the Jiangning credit union alone and the credit unions in eight subordinate districts have received more than [-] million yuan in bad debts.These are still few, and I am afraid that there are still a large number of hidden bad debts that have not yet broken out.Once all of them erupt, it must be an even more astonishing number.

The loan situation in Jiangning was so bad that it caused the Provincial Credit Union a headache.In desperation, the former inactive director of the Jiangning Credit Union was removed, and the female director was sent from the province again.

The female director's name is Shen Jingyi, she is a very professional woman, and she just arrived in Jiangning last month.As soon as Shen Jingyi took over the stall of Jiangning Credit Union, she made drastic improvements.While stepping up the debt collection, there was a big cleansing for those credit union employees who illegally granted loans secretly.Within a month, she dismissed or dismissed more than 70 middle-level employees and more than 300 grass-roots employees.She even reported to the Provincial Credit Union for approval and fired two team members.

The purge is not unreasonable, in fact Shen Jingyi is very reasonable.For example, the bad debt of 100 million was released by you, Zhang San, well, please take it back on time.If the recovery rate is less than 60.00%, those with positions will be dismissed, and those without positions will be cancelled.And whether there is a job or not, the salary will be reduced by 30.00%.

And if the recovery rate is less than 30.00%, sorry, the credit union can only do expulsion.

With a bad debt of 100 million, if you can recover 30, you can keep your job, which is already a blessing.And this 30.00% bottom line is also Shen Jingyi's comprehensive calculation, and she believes that the credit union's risk bottom line.If even 30.00% of the bad debts cannot be recovered, the Jiangning Credit Union is estimated to fall into a very passive situation.

However, even with a recovery rate of 30.00% as the bottom line, more than 300 people were still fired!It can be seen from this that the bad debts of this credit union are appalling.For a long time, the financial industry has given people a high-ranking, false and prosperous appearance. Almost everyone receives high wages and high benefits, and everyone holds a golden job. In essence, the internal chaos is very bad. [

In all fairness, Shen Jingyi didn't do too much.That is to say, the corporate nature of the credit union allows those whose jobs have been smashed to leave their jobs safely.If the country's civil servants have caused such a tragic loss, I am afraid they will be held accountable by law.Simply packing up and leaving is already worthy of them.

However, how can the human heart be satisfied?The group of people who were expelled had their golden jobs smashed, and a large number of them were always full of resentment.Especially some of them have colluded with the gangster forces in the society.Facing the reality of his job being smashed, he uttered cruel words—to bleed this Shen Jingyi!

Of course, most of the harsh words were meant to scare people, and Shen Jingyi didn't care too much.This girl is quite courageous, not afraid of resistance is her usual style, otherwise she would not be sent by the head office to deal with this mess.

However, after all, there is still a guy who actually used the forces involved in the underworld!The expelled deputy director of the Jiangning Credit Union actually invited a dozen bastards from the seventh brother in Jinwan District to smash Shen Jingyi's car to pieces, and even smashed the glass of the house.

Although Shen Jingyi still insisted on her own path, she had to consider safety issues.So, when I heard that there was a bodyguard company in Jiangning, I drove there and asked to hire a master.The Provincial Headquarters was also afraid that this female cadre would have personal safety problems, so he specially allocated a sum of money and agreed to hire good personal security personnel for Shen Jingyi.

It's just that Shen Jingyi is a very decent woman, and she clearly stated that she must have a female bodyguard, and she must be able to fight more than ten.Because she was very irritated by the scene of a dozen bastards appearing at once.

Just kidding, the female bodyguards can still hit ten of them. Looking at the whole of Jiangning, I am afraid that only Hongdou and Asparagus can do it.

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