Chapter 166 You bring the autumn water to embrace the stars!

Chapter 166 You Bring the Autumn Water to the Galaxy

As a provincial branch of a national bank, in addition to lending, it also has the task of attracting deposits.

This is why branches are subject to local restrictions.

It has angered the local government, where is the money for finance and state-owned assets being deposited?

In which bank are the salaries of public servants and state-owned enterprise employees distributed?

Most of the time, there is no need to say anything, just a glance, and everyone knows what to do.

The bank has nowhere to complain.

So, as long as there are no major problems, banks must listen to what the local government says.

Before going public, Mr. Tian tailored a loan model called Buyer’s Credit to address financial statement issues.

Whether it sells computers or not

I guess ordinary people in China don’t know that it is still a complete computer sales company and its market share is not low.

The Xishu region treated him as his own son, and all the qualifications in the IT industry were won by the local government and the state.

Fudan University failed to keep its qualifications back then, but it was easily obtained.

Express Manager Tian drew a circle on the business scope of the business license, and thus the little-known complete computer sales business was born.

There is no sales fraud here. The reason why complete computers are not well-known is because they actually sell computers to primary and secondary schools instead of setting up stalls in the market.

Buyer's credit, that is, bank money, allocates this computer to the school, and the school returns the money to the bank through education charges.

Correspondingly, there are mobile phones.

All mobile phones cooperate with telecom operators and sell the mobile phones to telecom operators. In third-, fourth- and fifth-tier cities, telecom operators put their own logo on the mobile phones, give them to consumers, and charge phone bills. .

In fact, these two businesses are not very profitable at all. They are all manufactured by others. Each unit only earns a channel fee, and the gross profit is extremely low.

But when it comes to the income in the financial statements, especially the operating income in the cash flow statement, the water flows loudly.

The indicators that banks are most concerned about can be seen in the report as a complete mess.

If this were the case, although this loan model would be criticized, it is still compliant.

This is originally a supply chain finance model.

As long as you comply with the regulations, nothing big will happen.

To top it all off, it’s Tian Zhongming’s lack of ability and Xishu Branch’s risk control ability. It’s a matter of ability, not attitude, and not subjective will.

But

Tian Zhongming sighed.

Song Ruhua’s villa is too hot to live in now.

Under his instruction, Xishu Branch provided a total of 1.8 billion yuan of buyer's credit lines to qualified units, thus making software computers and software popular in education departments across the country.The system is “applied”.

Although all this is guaranteed.

But as the bank that knows the most, Tian Zhongming knows very well whether he can afford to pay back the money, and he is also very aware of the loopholes in this chain.

If one link in the supply chain is broken, the entire chain will be destroyed.

The bank gave the money to the education system, and the education system gave the money. However, if the computer cannot be delivered, the education system will not be able to use the computer to charge fees. Without income, it will naturally not be able to repay the bank.

It is even possible that those primary and secondary schools have actually collected money from parents, but the schools cannot provide computers.

As a result, the entire education system was in trouble, and a bunch of primary and secondary schools fell into bankruptcy. Who can accept this?

In Tian Zhongming’s view, industrial parks are nothing. What happened? This is the biggest thunder.

The industrial park is nothing more than a place to be deceived.

In fact, it is still possible for both parties to sit down and talk.

After all, with Xinni, it is the best way for everyone to play the game in a different way and then exit the game with dignity, and the lowest way is to destroy the mines.

However, that is the education system, and in the end we are dealing with ordinary people who have to endure hardships to provide for their children to go to school.

With the excitement of the crowd, Tian Zhongming felt that even ten of his heads were not enough.

So he can only try his best to maintain bank credit, at least in the Xishu branch where he works, even if he borrows new loans and repays old ones, there is no problem.

He understood Song Ruhua’s letter of thanks to all walks of life for the anniversary celebration.

For banks and other financial institutions, what Song Ruhua means is that I am not going to repay the principal, and the interest will still be paid. You can't force me now, you can only support me. It's good for me and it's good for you. But if you want to cheat me with loans, you will do so at your own risk.

Tian Zhongming did not want to cause trouble, so he went against the requirements of the Xishu local government and extended a round of loans in advance at the cusp of the current crisis.

But what he never expected was that Western Shu was so hostile to Song Confucians.

It must be killed.

When the internal audit department of the head office came over, an acquaintance immediately told him that it was someone from Xishu who had tricked the People's Bank of China.

The People's Bank of China is not a bank, but a regulatory agency.

So there is nothing the head office can do.

Tian Zhongming didn’t know what to do at all.

In fact, he doesn't even have a chance to call Song Ruhua now.

At this moment, he has been notified by the internal audit to inspect the actual control.

Tian Zhongming slumped in his seat, his mind a mess.

After a while, he gritted his teeth.

A dead Taoist friend is not a poor Taoist

Sooner or later, your own problems will be discovered.

It is better to be lenient than to confess.

He stood up, quickly opened the door, and said to the staff of the Procuratorate at the door, "I want to report"

At the beginning of the century, every big city had a street filled with various electronic equipment stores, and a super-large supermarket called Computer City stood in it.

Generally, when installing computers, customers will first get the configuration sheet when they arrive.

Each company will have its own configuration list, which is more or less the same. It is a table that lists all the components needed for a computer.

This configuration list is basically the menu that will be slaughtered after entering the computer city.

In general, such a set of choices is similar to a la carte platter, with certain restrictions. For example, if you select the CU type basic motherboard chip, it is determined, but the brand is optional, and the memory type is also determined. .

But except for some accessories, the selection is very small. For example, CU has 2 or 3 brands and several models to choose from, but there is a lot of room for others.

The key is free combination, which is much more flexible than brand-name machines, and the price is relatively cheaper.

As for the profits of these computer installers in Computer City, shrimps have their own way, and crabs have their own way.

Most boys’ favorite place to hang out in that era was the Computer City.

Not only are there a lot of strange gadgets, there are also some cool girls’ dancing performances every weekend in the Computer City, which attract the attention of boys.

The eyes of Liu Jianhong, Wu Jun, and Zhuo Lang were attracted by the singing and dancing girls above.

The camisole heating pants, the white thighs, the tender pink navel, and the basketball beating to the beat stopped them in their tracks.

"It's so exciting." Zhuo Lang wiped his lips, his eyes moving along with the dance of the young lady on the stage.

Wu Jun couldn't help but licked his lips, "I have to say that the Silla actress's singing and dancing are outstanding."

The song and dance being performed on the stage was by Park Ji-yoon. Coming of age ceremony.

"The original V is still exciting, and it looks no different from the movie."

Liu Jianhong, who has already tasted the forbidden fruit after the college entrance examination with Guo Ruixi, shrugged his shoulders, saying that these two beginners I have never seen the world at all, and the dances and movements on stage are all abridged versions.

That's it

His heart was as calm as water, without any disturbance, just admiring it.

Of course, the most important thing is that his steel green plum is also in the computer city at the moment. If he is seen, his life will not be easy at night.

Wu Jun and Zhuo Lang exclaimed, as if they had never seen the film.

However, they had never seen the original v, so they asked Liu Jianhong to copy it to a USB flash drive and bring it over tomorrow.

"It's too late to leave. I will be scolded by Chairman Chen."

Yuan Da, who was behind the three of them, pushed the trolley and urged them impatiently.

"Hey, Lao Yuan, catching fish is the fun of part-time job"

Having said that, Liu Jianhong and others turned around, dragged the trolley and started walking towards the freight elevator. go.

Two people per car, oneWith people pushing and others pulling, Zhuo Lang felt like a tracker.

It’s a pity that there is no little sister on the bow, only Yuan Da, a dull gourd, is pushing the cart behind.

However, it was hard for him to say anything.

Just after the college entrance examination, Yuan Da's family suffered a sudden change.

This is something that no one could have predicted.

A few days after the college entrance examination ended, and before the scores were even released, the news came out.

It turns out that the cause of this year's magical college entrance examination was that a candidate in the southern county of Xishu Province stole the test paper, which led to the activation of backup papers in provinces across the country.

As soon as the news came out, eighteen generations of this candidate’s ancestors were scolded.

But it is of no use, and it is impossible to add a few points to each of the millions of candidates.

Naturally, the country still gave an explanation.

The four people on duty on the night of recruitment in the entire southern county were sent to jail.

The people who were on duty at the recruitment office were cleared from top to bottom for dereliction of duty, and all were dismissed from public service.

Yuan Da’s parents were both admitted.

Although because Yuan Da was taking the college entrance examination this year, out of the principle of avoiding suspicion, the two of them were not assigned to the duty list to guard the examination papers.

However, under Thunder's sword, he was still implicated and assigned to be a rural teacher.

There is no way to complain. Compared with others, they are lucky.

However, for this family, it is very specific.

There is little money for recruitment work. The Yuan family, who just bought a house, has less than 20,000 yuan in their bankbook.

Yuan Da was not happy when he received the admission notice from the Department of Electrical Engineering.

20,000 yuan is barely enough for four years of college tuition. It stands to reason that Yuan Da can support himself by working part-time at the university.

However, Yuan Da also has elderly grandparents at home. If any of the old people get sick, the family will not be able to get out any money.

He was even considering whether to drop out of school, fight for another year, and get into a normal college with no tuition fees and subsidies.

Just when he was ready to shamelessly ask the society for help, something happened that made the family realize that there is no end to the road.

A company in Jincheng called Sun Moon Guanghua Electronic Technology took the initiative to invite him.

Riyue Guanghua proposed that a method similar to that of a commissioned training could be used to provide Yuan Da with tuition and living expenses. It doesn’t matter if he gets a Ph.D., as long as Yuan Da works for the same length of time after graduation.

Yuan Da’s parents said it was a pie in the sky and brought Yuan Da to Jincheng to sign a contract without saying a word.

They didn’t care that the message asking for help hadn’t been sent out yet, so why did Riyue Guanghua know about Yuan Da’s situation.

There is no need to think so much, what can others do to you?

To make your son look handsome

If this is the case, Yuan Da’s parents don’t think it is a problem. .

The son-in-law who comes to your home is very nice, Yuan DaIsn’t that what my roommate Qing Yun is?

Just go and take a look and you will know.

Sun and Moon Guanghua’s company address is in Computer City.

When he walked into the general department office and saw clearly the figure who looked like the department manager sitting inside, Yuan Da just wanted to turn around and leave.

However, the escape route behind him was blocked by his parents intentionally or unintentionally.

He never expected that the person sitting here was Chen Yue.

When people are down, what they fear most is not getting into trouble, but meeting acquaintances.

This can make people feel very embarrassed and wish they could crawl into the soil and become an ostrich.

But it is more embarrassing than meeting an acquaintance, meeting the goddess I have secretly loved for many years.

Even though we know that it is impossible for the two of us.

Yuan Da is not stupid, he knows very well what it means for Chen Yue to sit here.

Chen Yue, whose whole family was fed by government agencies, gave up Qingbei and the National People's Congress to major in international trade at Fudan University. He could not ignore the discussions among his classmates in the Penguin chat room.

It’s not shabby, and Chen Yue is Qin Manman’s best friend. It’s human nature.

Coupled with the fact that Qing Yunge’s ears sounded like cocoon, Yuan Da knew very well that this company was the company of his roommate Qing Yun.

Yes, he is the seventh person in Huluwa's dormitory.

However, there is always a gap between Yuan Da and those brothers.

It’s not that he is aloof and unsociable, but he knows one thing very well: Chen Yue, the goddess in his dream, actually likes Qing Yun.

Human eyes cannot be faked.

Although Chen Yue hid very well and only occasionally glanced at Qing Yun secretly in the classroom, how could such a small gesture deceive Yuan Da who had been quietly paying attention to her

Yuan Da feels that this world is so ironic.

His goddess didn't even dare to confess her love, and licked Qing Yun like a dog.

But he had to work for Qing Yun.

What a bullshit world

Chinese teacher Li Xiaobo said in the last lesson that Chinese education can only complete the closed loop at the moment of experience. At this time, Yuan Da had some thoughts on this A profound understanding.

I and the spring breeze are both passers-by, and you carry the autumn water to embrace the stars.

The spring breeze and I are just passers-by in your life. You embrace the brilliant stars with your favorite autumn water.

After being released, Yuan Da bravely faced Chen Yue and smiled.

Chen Yue also greeted his parents with a smile and asked them to sit down and drink water. At that time, Yuan Da realized that his parents had already known the truth about this company.

It is better to say that it is escorting oneself over than sending oneself for an interview.

What else is there to say

This is the situation at home, and he can't find a better place to go except here.

People are poor and have short ambitions.

Anyway, no matter whether Qing Yun is there or not, there is no possibility for him and Miss Guan Chen Yue.

Yuan Da moved into the staff dormitory of Sun and Moon Guanghua that day.

Chen Yue said that the company is very busy now and needs manpower. If he stays, he can work as a summer job to earn part-time income.

Being pitied and given alms were Yuan Da’s thoughts as he tossed and turned in bed that night.

However, Yuan Da finally understood when he officially went to work the next day.

What the hell, this company is really short of people

Chen Yue said that when the installation company took over, there were about a hundred people, but Qin Manman only allowed about 20 to stay. A front-line machine assembler, a few market workers, and all the others were laid off.

The shops in the computer malls that we originally brought with us have all been rented out.

Except for a middle-aged man named Guo Jing, the so-called management team is actually only Chen Yue.

The managers in the middle are all from Hopu Group, but I heard that they are only helping for a period of time and will have to go back later.

Qing Yun, the chairman on paper, is still missing.

Computer installation is not a sophisticated technical job.

Yuan Da, who has been passionate about electronic products since he was a child and likes to assemble gadgets by himself, started his own installation career after being guided by his master for a long time.

A console, a bench, and a pile of accessories next to it, all on the first floor of Jincheng Digital Plaza are filled with figures like his.

Chen Yue found many part-time students, but for a quasi-college student like Yuan Da, there were only a few familiar ones in their class.

Yuan Da felt that he was a bit cheap. This was obviously the job of an installer, but he did it with gusto.

After all, the installation fee given by the company Qingyun to the installer is 20 yuan per unit.

The master said that the price was neither high nor low, it was considered the market price, which made Yuan Da feel very good.

The master said that two years ago it cost 40 yuan per unit. Now that computer profits are thin, the labor cost for installation has naturally dropped.

However, with the continuous improvement of installation tools and interfaces, the time it once took to install one machine can now be installed on two, which is almost the same.

After several days of improving his proficiency, Yuan Da can install 12 units a day.

This is very nice, 240 a day, 7200 a month, working for a month is basically enough for living expenses for a semester.

Although Sun and Moon Guanghua Company will pay for his tuition and living expenses, who would find it too much money?

According to the contract, he officially joined the company and signed a part-time agreement when he reported in September.

There is a part-time salary of 1,000 yuan a month. If you come to the company to help with affairs, you will be subsidized by the hour. The amount of the subsidy is slightly higher than that of McDonald's.

This is very kind.

At this time, the average monthly wages in JinchengThe capital is less than 1,500 yuan.

Yuan Da is already very satisfied that a part-time student can earn so much.

He didn’t want to get close to Qing Yun’s group some time ago, and it was also because of his little thoughts.

But with the current situation at home, he naturally gave up all those thoughts.

People have to grow up.

He is not a fool. Following Qing Yun and Qin Manman is much better than him opening a blind box and looking for a job.

Those two people, especially Qing Yun, had nothing to say to their classmates.

Chen Yue said that according to Qin Manman's opinion, this job of installing machines will not last long, and it will only be the end of August, and you can make money every day.

Yuan Da felt at ease because he hadn’t formally joined the company yet, so the money was worth it.

Yes, it may be a short-term shortage of people.

Otherwise, if it is a long-term task, it is obviously much cheaper to go to electronic schools to find those technical secondary school students and higher vocational students.

The reason why Yuan Da, who was pushing the cart at the moment, didn't want to talk was very simple.

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