Rekindle 2003

Chapter 166 You Bring Autumn Water to the Galaxy!
As a provincial branch of a national bank, in addition to lending, it also has the task of collecting deposits.

This is why branches are subject to local constraints.

If you mess up the place, where is the money from the finance and state assets?
Are the salaries of those public officials and employees of state-owned enterprises paid by which bank?

In many cases, there is no need to say anything, it is just a meeting of eyes, and everyone knows what to do.

There is no place for banks to complain.

Therefore, as far as local governments are concerned, on the principle that there are no major problems, banks have to listen.

Before TOP went public, President Tian tailored a loan model for TOP——buyer’s credit—in response to TOP’s financial statements.

Does TOP sell computers?
It is estimated that ordinary people in the whole country do not know that TOP is still a computer sales company, and its market share is not low.

In Xishu region, TOP was regarded as his own son back then, and all the qualifications in the IT industry were obtained by the local government after they came forward to find the country.

At that time, Fudan University failed to keep its qualifications, but it easily got TOP.

President Tian drew a circle on the business scope of TOP's business license, and thus TOP's little-known computer complete machine sales business was born.

There is no sales fraud in it. The reason why TOP's computer machines are not well-known is because they actually sold the computers to primary and secondary schools instead of setting up a stall in the market.

Buyer's credit means that the bank provides money to allocate the computer to the school, and the school returns the money to the bank through education fees.

Correspondingly, there are TOP mobile phones.

TOP's mobile phones cooperate with telecom operators. Top sells mobile phones to telecom operators. In third-tier, fourth-tier and fifth-tier cities, telecom operators put their own logos on the phones, give them to consumers, and charge for calls.

In fact, these two businesses do not make much money at all. TOP is found to be OEM, and each unit only earns a channel fee, and the gross profit is extremely low.

But reflected in the income in the financial statements, especially the operating income in the cash flow statement, the flow of water is rattling.

The indicators that banks are most concerned about are in a mess in the TOP report.

If only this is the case, although this loan model will be criticized, it is compliant.

This is originally a supply chain financial model.

As long as it's in compliance, nothing major will happen.

To the sky, it is Tian Zhongming's lack of ability, and the lack of risk control ability of Xishu Branch. It is a question of ability, not attitude, let alone subjective will.

but……

Tian Zhongming sighed.

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

Under his instruction, Xishu Branch provided a buyer's credit line totaling 18 billion yuan to qualified units, so that TOP Software's computers and software could be "applied" in the national education system.

Although all of this has the guarantee of TOP.

However, as the bank who knows TOP best, Tian Zhongming knows too well whether TOP can afford to pay back the money, and also knows too well the loopholes in this chain.

If a 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 to TOP, but if TOP couldn't deliver the computer, the education system couldn't use the computer to collect fees, and naturally it couldn't repay the bank if there was no income.

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

As a result, the entire education system was hit by thunder, and a bunch of primary and secondary schools fell into a state of 'bankruptcy'. Who can accept this shit?
In Tian Zhongming's view, the industrial park is nothing, and this is the biggest thunder of TOP.

Industrial parks are nothing more than places.

In fact, the two sides still have the possibility to sit down and talk.

After all, it is the best way for everyone to play the game in a different way, and then exit the field decently, while blasting and clearing mines is the worst way.

However, that is the education system. In the end, it is the ordinary people who have worked so hard to provide for their children to study.

Under the excitement of the crowd... Tian Zhongming felt that his ten heads were not enough to cut off.

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

He understood Song Ruhua's thank you letter to all walks of life in celebration of his anniversary.

For financial institutions such as banks, what Song Ruhua meant was, "I am not going to pay back the principal, but the interest will be paid. You can't force me now, you can only support me. I'm good for you."But if you want to take out loans to blow me up, you will be responsible for the consequences. '

Tian Zhongming also didn't want to blow up TOP, and insisted against the requirements of Xishu. At the current turmoil, he made a round of loan extension for TOP in advance.

But what he never expected was that Xishu's hatred for Song Ruhua was so great.

TOP must be killed.

When the internal audit department of the head office came over, the acquaintances immediately told him that it was people from Xishu who stabbed the pedestrian bank.

The PBOC is not a bank, but a regulator.

So the head office can't do anything.

Tian Zhongming didn't know what to do.

Even now, he doesn't even have the chance to call Song Ruhua.

At this moment, he has been actually controlled by the internal audit notice.

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

After a while, he gritted his teeth.

Dead Daoist friends do not die poor Daoists!
Your own problems will be found out sooner or later.

It is better to be frank and lenient.

He got up and 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 such a street, which was full of various electronic equipment stores, as well as the kind of superstore called Computer City.

Generally, when installing a computer, the customer will first take out the configuration sheet after they go there.

Each company will have its own configuration sheet, which is similar with minor differences, a table listing all the components needed for a computer.

This set of configuration list is basically the menu of lambs slaughtered after entering the computer city.

Generally speaking, such a set of choices is similar to ordering dishes from a platter, with certain restrictions. For example, the CPU type is selected and the basic motherboard chip is determined, but the brand is optional, and the memory type is also determined.

However, except for some accessories, the choice is very small, such as CPU, there are only 2 or 3 brands, and several models are optional, but there is a lot of space for others.

The key is free combination, which has a much higher degree of freedom than branded phones, and the price is relatively cheaper.

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

Most boys, at that time, the favorite place to visit was the Computer City.

Not only are there many strange gadgets, but every weekend in the computer city there are also dance performances by some cool girls, which attract the attention of boys.

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

The camisole and heated pants, the white thighs, the pink and tender belly button, and the basketball beating to the beat stopped them all in their tracks.

"It's so exciting!" Zhuo Lang wiped his mouth, his eyes kept turning with the dancing posture of the young lady on the stage.

Wu Jun couldn't help licking his lips, "I have to say, the singing and dancing of Silla actresses are amazing!"

The song and dance being performed on the stage is Park Zhiyin's "Ceremony of Coming of Age".

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

Liu Jianhong and Guo Ruixi, who have tasted the forbidden fruit after the college entrance examination, shrugged their shoulders, saying that these two junior brothers have never seen the world at all, and the dances and movements on the stage are all cut versions.

That's it?

His heart is like still water, without waves, just admiring.

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

Wu Jun and Zhuo Lang cut it off, as if they hadn't seen the movie.

But they haven't seen the original MV, and they muttered to ask Liu Jianhong to copy it to the USB drive tomorrow.

"Let's go! I'm going up late, and I'm going to be scolded by Chairman Chen."

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

"Hey! Old Yuan, fishing is the fun of a part-time job!"

Having said that, Liu Jianhong and the others still turned around, dragged the cart and began to walk towards the freight elevator.

There are two people in one car, one pushes and the other pulls, Zhuo Lang feels like a tracker.

It's a pity that there is no little sister in the bow of the boat, only Yuan Da, a dull gourd, is pushing the cart behind.

However, he couldn't say anything.

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

This is something no one can predict.

A few days after the end of the college entrance examination, before the scores came out, the news came out.

It turned out that the reason for this year's magical college entrance examination was that an examinee in Nannan County of Xishu Province stole the test paper, which led to the activation of spare papers in provinces across the country.

As soon as the news came out, the eighteen generations of the examinee's ancestors were scolded out of Xiang.

But it doesn't help, and it is impossible to add dozens of points to each of the millions of candidates.

Naturally, the country still gave an explanation.

The four people who were on duty that night at the Nanfang County Recruitment Office were sent to prison.

Those who recruited and participated in the duty were cleaned up from top to bottom for the crime of dereliction of duty, and all were dismissed from public office.

And Yuan Da's parents were recruited.

Although because of Yuan Da's college entrance examination this year, out of the principle of avoiding suspicion, the two were not assigned to the duty list of guarding the test papers.

However, under the knife of Thunder, he was still implicated and sent to be a rural teacher.

There is no way to complain, compared to other people, they are lucky.

However, for this family, it is very specific.

There is not much money in the recruitment work. The Yuan family just bought a house, and the family passbook has less than 2 yuan.

Yuan Da was not happy when he received the admission notice from Chengdian University.

2 yuan is barely enough to cover four years of college tuition. It stands to reason that Yuan Da can support himself by working part-time in the university.

However, Yuan Da's family still has old grandparents, grandparents, grandparents, and if any old man falls ill, the family will not be able to get any money out.

He was even considering whether to drop out of school, fight for another year, and take the entrance examination for a teacher who doesn't have tuition fees and subsidies.

Just when he was going all out to shamelessly ask the society for help, something happened that made the family say that there is no way out.

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

Riyue Guanghua suggested that Yuan Da could be provided with tuition and living expenses in a way similar to that of Wei Pei. It doesn’t matter if he gets a doctorate, as long as Yuan Da works for him after graduation.

Yuan Da's parents said that the pie had fallen from the sky, and they brought Yuan Da to Jincheng to sign the contract without saying a word.

They also didn't care that the message asking for help hadn't been sent yet, why did Sun Moon Guanghua know about Yuan Da's situation.

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

Picture your son is handsome?
If this is the case, Yuan Da's parents feel that it is not a problem.

The door-to-door son-in-law is very sweet, isn't that the case with Yuan Da's roommate Qing Yun?
Just go and see.

Sun Moon Guanghua's company address is in Computer City.

When he walked into the office of the General Affairs Department, Yuan Da just wanted to turn his head and leave when he saw clearly the figure sitting inside that obviously looked like a department manager.

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

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

When a person is down and down, what he fears the most is not to add insult to injury, but to meet acquaintances.

This can be embarrassing enough to make you want to be an ostrich in the dirt.

But it is more embarrassing than meeting an acquaintance, meeting the goddess I have been secretly in love with for many years.

Even if they knew it was impossible for the two of them.

Yuan Da was not stupid, he knew very well what Chen Yue meant by sitting here.

Chen Yue, whose whole family lived in institutions, gave up Qingbei and the National People's Congress, and chose Fudan to major in international trade. He couldn't ignore the discussions of his classmates in the Penguin chat room.

It's not shabby, and Chen Yue is Qin Manman's closest girlfriends, it's only human.

Coupled with Qing Yunge who can hear cocoons in his ears, Yuan Da knows very well that this company belongs to his roommate Qing Yun.

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

It's just that Yuan Da and those brothers have always been a little estranged.

It's not that he is aloof and unsocial, but that he knows one thing very well, the goddess of his dreams, Chen Yue, actually likes Qing Yun.

Human eyes cannot be faked.

Although Chen Yue hid it very well and only occasionally glanced at Qing Yun secretly in the classroom, how could such a small trick fool Yuan Da who had been paying close attention to her all the time?

Therefore, Chen Yue's motivation for choosing Fudan may be clearer than anyone else.

Yuan Da felt that the world was so ironic.

His goddess didn't even dare to confess, she licked Qingyun like a dog.

But he has to work for Qingyun.

What a shitty world!

Chinese teacher Li Xiaobo said in the last lesson that Chinese-style education can only be closed at the moment of experience. At this time, Yuan Da had a deep understanding of this.

'I and the spring breeze are both passers-by, and you take the autumn water to embrace the galaxy. '

Chunfeng and I are just passers-by in your life, you embrace the brilliant galaxy with your favorite autumn water.

Then, 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. Only then did Yuan Da know that his parents had already known the truth about this company.

Rather than sending myself for an interview, it is better to say that I am escorting myself here.

What else is there to say?

This was the situation at home, and he couldn'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 lived in the staff dormitory of Sun Moon Guanghua that day.

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

Being pitied and being given alms by others, this was Yuan Da's thoughts tossing and turning 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 hundreds of people, but Qin Manman only left about 20 front-line installers, a few went to the market, and all the others were dismissed.

The shopfronts in the computer city that I had brought with me were also rented out.

The so-called management, apart from a middle-aged man named Guo Jing, is actually only Chen Yue.

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

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

Installing a computer is not a highly technical job.

Yuan Da, who has loved electronic products since he was a child and liked to assemble gadgets by himself, started his installation career after being taught by his master for a long time.

A console, a bench, and a pile of accessories next to it, and the first floor of Jincheng Digital Plaza are all full of his figure.

Chen Yue found a lot of part-time students, but like Yuan Da, there were only a few acquaintances in his class.

Yuan Da felt that he was a bit cheap. This was obviously a way of life for machine installers, but he did it with gusto.

After all, the company Qingyun paid the installer 20 yuan for the installation fee.

Hearing from the master, the price is neither high nor low, it can be regarded as the market price, which makes Yuan Da feel very good.

The master said that two years ago, it was 40 yuan a piece, but now the profit of the computer is thin, and the labor cost of installing the computer will naturally drop.

However, with the continuous improvement of installation tools and interfaces, the time for installing one machine in the past can now be installed for two, which is about the same.

After a few days of proficiency improvement, Yuan Da can install 12 units a day.

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

Although Sun Moon Guanghua Company will provide him with tuition fees and living expenses, who would think too much money?

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

There is a part-time salary of 1000 yuan a month. If you usually come to the company to help with affairs, the subsidy will be calculated by the hour, and the subsidy amount is slightly higher than that of McDonald's.

This is very kind.

At this time, Jincheng’s average monthly salary was less than 1500 yuan.

A part-time student can get so much, Yuan Da is already very satisfied.

Some time ago, he didn't want to get close to Qing Yun's group, which was also caused by his little thoughts.

But with the current situation at home, he naturally stopped thinking about what he had and what he didn't have.

People always grow up.

He's not a fool, following Qing Yun and Qin Manman is much better than him opening a blind box to find a job in the future.

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

Chen Yue said that according to Qin Manman's opinion, this installation will not last long, and it will be the end of August when it reaches the sky, and you can earn a living every day.

Yuan Da also felt at ease about the card bug, anyway, he has not officially joined the job yet, so the money is not a bad idea.

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

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

The reason why Yuan Da, who is pushing the cart at the moment, does not want to talk is also very simple.

tired.

(End of this chapter)