Chapter 266 Bad Debt Crisis Bai Jingchu's call was to "borrow" Wenzhu.
"Take Wenzhu's girl over and let my sister use it for two or three months, at most half a year."
Bai Jingchu muttered, "There is a female client who wants to hire a high-level female bodyguard, saying that it is convenient for daily life."
There are few female bodyguards, and their strength is generally worse.
There are only a few of my bodyguard companies, and people still don't look down on them. ” "Is it worth it" Yi Jun smiled, "Isn't it just a bodyguard business, it's a big deal." ” Bai Jingchu pouted on the phone: "It doesn't matter if I make money or not, if I can't provide a suitable female bodyguard, I'm afraid people will doubt the ability of my bodyguard company, which is a bit embarrassing."
Now Jun'an dart company is in a big decline, and my sister is about to establish a strong brand of her own. ” "Let the red beans go."
Yi Jun thought to himself, Wen Zhu still wants to protect Sister Lan.
Bai Jingchu reasoned unless the sun hit the west and came out.
"Nonsense, Hongdou protects Sister Lan Lan has a big master like you to follow her, and Zhan Xiong is also in Jiaolian, but Sister Hongdou is alone next to her.
Okay, if you don't want Hongdou to take over this business, you will accompany your sister to protect you every day in the future, okay or not" Think beautifully However, Bai Jingchu's worries are not unreasonable.
Now in this turbulent period, the underground world is turbulent.
Bai Jingchu is the eldest sister of an authentic underground circle, and she is indispensable to have a capable bodyguard by her side.
Yi Jun said that letting Hongdou take over the business was just a joke.
Even if someone else wants to transfer the red beans away, Yi Jun will take the initiative to stop it.
As for Sister Lan's side, the industry is not big, and the taste of underground identity is not so strong, but there are Yi Jun and Xiao Zhanxiong here, plus Chen Yankui and Li Wuzhou and others.
Then pulling out a Wenzhu is nothing.
Therefore, Yi Jun still agreed, and let Wen Zhu go over for a while first, which can be regarded as a favor for Bai Jingchu.
As for letting a former ace killer be a bodyguard, he must be able to do it, and no matter how picky the customer is, he can't say anything.
However, Yi Jun casually asked again: "What kind of female customer is this, who picks her nose and eyes, has she encountered something tricky?"
Bai Jingchu explained, and Yi Jun immediately understood.
It turned out that the client who hired a female bodyguard was the director of the Jiangning Rural Credit Union.
Credit unions are financial institutions in the nature of banks, but their management is more flexible than those of large commercial banks.
However, it is precisely because it is too flexible, which leads to a lack of restraint in lending out, and a lot of dead debts.
As a small example, this credit union has a more flexible loan method, the three-household joint guarantee.
In other words, if you want to take out a loan of 100,000 yuan in this credit union, and you don't even need any collateral at all, you can borrow money from the bank by finding at least three people with good reputation and similar strength to help guarantee it.
Although there are some review processes in practice, as long as you have an acquaintance in the credit union, it is basically easy to get this kind of loan.
However, more of these unsecured loans were given out, which eventually led to more bad debts.
A large number of lenders who do not have credit, or those who really cannot afford to repay, are often determined to repay their debts.
As a result, all the deficits are weighed on the credit union's head.
According to Bai Jingchu's communication with the director of this female credit union, the Jiangning Credit Union alone and the credit cooperatives in the eight districts under it have received more than 200 million yuan in payments that have been clearly classified as bad debts and dead 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 they all erupt, it will be an even more staggering number.
The loan situation in Jiangning is so bad that the provincial credit union has a big headache.
In desperation, the original inactive director of the Jiangning Credit Union was withdrawn, and the female director was re-sent from the province.
This female director's name is Shen Jingyi, a woman with a strong sense of ambition, who just arrived in Jiangning last month.
As soon as she took over the stall of Jiangning Credit Union, Shen Jingyi made drastic adjustments.
At the same time as stepping up debt collection, there was a big purge of those credit union employees who secretly lent loans in violation of regulations.
Within a month, she dismissed or fired more than 70 middle-level employees and more than 300 grassroots staff.
She even reported to the Provincial Credit Union for approval and fired two team members.
The Great Purge is not unreasonable, in fact, Shen Jingyi is very reasonable.
For example, this million bad debts were released by you Zhang San, so well, please take it back on time.
If the recovery rate is less than 60 percent, those who have positions will be dismissed, and those who do not have positions will be cancelled all year-end bonuses.
And regardless of whether there is a position or not, the salary will be reduced by 30 percent.
And if the recovery rate is less than 30 percent, sorry, the credit union can only be expelled.
One million bad debts, and being able to recover 300,000 can keep your job, which is already very generous.
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And this 30% bottom line is also the risk bottom line that Shen Jingyi believes the credit union after comprehensive calculation.
If even 30 percent of the bad debts cannot be recovered, Jiangning Credit Union is estimated to be in a very passive situation.
However, even with a 30 percent recovery rate as the bottom line, more than 300 people were still fired, which shows how appalling the credit union's bad debts are.
All along, the financial industry has given people the appearance of high and false prosperity, and almost everyone receives high wages and benefits, and everyone has a golden job, but in fact, the internal chaos is very bad.
In all fairness, Shen Jingyi didn't go too far.
That is, the corporatization nature of the credit union, so that those guys whose jobs were smashed left safely.
If a state official had caused such a tragic loss, he would probably have to be held legally responsible.
A simple roll to cover people and leave is already worthy of them.
However, when people's hearts are satisfied, this group of people who are expelled has been smashed, and there are always a large number of people who are full of resentment.
In particular, some of them still collude with the underworld forces in society.
Faced with the reality that his job was smashed, he viciously released cruel words to give this Shen Jingyi some blood Of course, most of the cruel words were scareless, and Shen Jingyi didn't care too much.
This girl is not small, and it is her consistent style not to be afraid of resistance to go head-on, otherwise she would not have been sent by the head office to deal with this mess.
However, after all, there is another guy who really used the expelled deputy director of the Jiangning Credit Union from the underworld forces, and actually invited more than a dozen bastards from the seventh brother in Jinwan District, and smashed Shen Jingyi's car to pieces, and even smashed the glass of the house.
Although Shen Jingyi still insisted on the path she wanted to take, she had to consider the safety issue.
Therefore, when I heard that there was a bodyguard company in Jiangning, I drove over and asked to hire a master.
The provincial headquarters was also afraid that this female cadre would have personal safety problems, so it specially allocated a sum of money and agreed that Shen Jingyi would hire a good personal security personnel.
It's just that Shen Jingyi is a very decent woman, and she clearly said that she must have a female bodyguard, and she must be able to fight more than ten at a time.
Because, she was very stimulated by the scene of a dozen bastard horses appearing at once.
Just kidding, female bodyguards can still fight ten at a time, looking at the whole of Jiangning, I'm afraid only Hongdou and Wenzhu can do it
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