Chapter 266 The Crisis of Bad Accounts

Bai Jingchu called to "borrow" Wenzhu.

"Take the girl Wenzhu over and let me spend two or three months... well, for at most half a year." Bai Jingchu murmured, "A female client wanted to hire a high-level female bodyguard, saying it was convenient for her daily life. Female bodyguards were originally few, and their strength was generally a bit poor. I was only a few with the bodyguard company, and they didn't even look down on me."

"Is it worth it?" Yi Jun smiled, "Isn't it just a bodyguard business, at worst, I won't do it."

Bai Jingchu curled his lips on the other side of the phone: "It doesn't matter whether you make money or not. If I can't provide a suitable female bodyguard, I'm afraid that people will doubt the ability of my bodyguard company. Now Junan's bodyguard company is in a big decline, and I'm about to make a concerted effort to establish its own strong brand."

"Let Hongdou go." Yi Jun thought, Wenzhu still needs to protect Sister Lan.

Bai Jingchu is justified? Unless the sun hits the west, "Barring nonsense, Hongdou protects his sister! Lanlan has you, a master, followed closely, and Zhan Xiong is also in Jiaolian, but Hongdou is alone by his side. OK... Or Hongdou will take over this business, and you will accompany her to protect her sister every day in the future. Is it okay? Hey!"

Think beautifully!

However, Bai Jingchu's worries are not without reason. In this turbulent period, the underground world is turbulent. Bai Jingchu is a big sister in a real underground circle, and there is a capable bodyguard around her. It is just a joke that Yi Jun asked Hongdou to take over the business. Even if others wanted to transfer Hongdou away, Yi Jun would take the initiative to stop it.

As for Sister Lan, the industry is not big and the underground identity tastes not that strong. There are Yi Jun, Xiao Zhanxiong here, Chen Yankui, Li Wuzhou and others. Then it would be nothing to pull out a Wenzhu.

So, Yi Jun agreed and asked Wenzhu to go through for a while, which was to help Bai Jingchu. As for letting a former ace killer be a bodyguard, he would definitely be competent, and no matter how picky the client is, he would not be able to say anything.

However, Yi Jun asked casually: "What kind of female client is this? She is so picky. Did she encounter any tricky things?"

Bai Jingchu explained, and Yi Jun immediately understood.

It turned out that the client who hired female bodyguards was the director of Jiangning Rural Credit Union. The credit union is a bank-based financial institution, but its operation and management are more flexible than those of large commercial banks. However, it is because it is too flexible, which leads to a lack of restraint in releasing loans and a lot of bad debts.

For example, this credit cooperative has a relatively flexible loan method - three-household joint guarantee. In other words, if you want to borrow 100,000 yuan from this credit cooperative, and you don’t even need any mortgage for any items, at least find three people with good reputation and similar strength to help guarantee the guarantee, and you can lend money from the bank.

Although there are still some review processes in actual operation, as long as you have an acquaintance in the credit cooperative, it is basically easy to get such a loan.

However, the more unsecured loans are released, the more bad debts are eventually led to. A large number of lenders without credit, or those who really have no ability to repay, often have the intention of paying back. In this way, all the deficits are on the head of the credit cooperative.

According to Bai Jingchu's communication with the female credit cooperative director, Jiangning Credit Cooperative and the credit cooperatives in eight districts alone have already received more than 200 million yuan in funds for bad debts. These are still small, and I am afraid that a large number of hidden bad debts have not yet erupted. Once all of them break out, it will definitely be an even more amazing number.

The poor loan situation in Jiangning made the Provincial Credit Union a headache. In desperation, the former director of Jiangning Credit Union, which was inaction, was removed from the province and sent the female director again.

The female director is named Chen Jingyi. She is a woman with a strong career aspiration. She just came to Jiangning last month. As soon as she took over the Jiangning Credit Union, Chen Jingyi made drastic rectifications. While stepping up the collection of accounts, she came to a major purge for those credit union employees who made loans in violation of regulations. Within one month, she was dismissed or fired more than 70 middle-level employees and more than 300 grassroots employees were fired. She even reported the consent of the Provincial Credit Union and fired two team members.

The Great Purge is not unreasonable. In fact, calmness should be very reasonable. For example, Zhang San released this million-dollar debt, so please take it back on time. If the recovery rate is less than 60%, those with positions will be dismissed, and those without positions will be cancelled. And regardless of whether there is a position, the salary will be reduced by 30%.

If the recycling rate is less than 30%, I'm sorry, the credit union can only be expelled.

A million bad debt can be recovered by 300,000 yuan, which is already a very open-minded person. This 30% bottom line is also the bottom line of risk of credit unions after Calming Jingyi comprehensively considering that the credit union is risky. If even 30% bad debt cannot be recovered, Jiangning Credit Union will probably fall into a huge passive situation.

However, even if the recovery rate of 30% is the bottom line, more than 300 people are still fired! This shows how horrible the bad debts of this credit cooperative are. For a long time, the financial industry has given people a look of being arrogant and false prosperity. Almost everyone receives high wages and high benefits, and they all hold a golden rice bowl. In fact, it is very messy and very bad.

To be fair, calm and honest is not too much. That is, the corporate nature of the credit cooperative allows those guys whose jobs are smashed to leave safely. If the state civil servants cause such painful losses, they may even be held legally responsible. A simple roll-up of people is worthy of them.

However, how can people feel satisfied? The group of people who were fired have their golden rice bowls smashed, and there are always a large number of people who are full of resentment. Especially some of them are colluding with the gang-related forces in society. Faced with the reality that their jobs were smashed, they made harsh words - to give this Jingjing some blood!

Of course, most of the ruthless words are scary, and Chen Jingyi doesn't care much about it. This girl is not very brave and is not afraid of resistance to move forward. This is her usual style, otherwise she would not have been sent by the head office to deal with this mess.

However, after all, there was another guy who actually used the gang-related forces! The fired deputy director of the Jiangning Credit Union actually invited more than a dozen gangsters from Brother Qi of Jinwan District, smashed Chen Jingyi's car into pieces, and even smashed the glass of the house.

Although Chen Jingyi still insisted on the way she wanted to go, safety issues had to be considered. So, when I heard that there was a bodyguard company in Jiangning, I drove over and asked to hire a master. The Provincial General Office was also afraid that this female general would have personal safety issues, so I specially allocated a sum of money and agreed to Chen Jingyi to hire a good personal security personnel.

But Chen Jingyi is a woman with a very decent style. She clearly stated that she had to have a female bodyguard and could beat more than ten. Because she was very excited about the scene of a dozen or so gangsters appearing at once.
Chapter completed!