第266章 烂帐危机
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但是，这种无担保的贷款放出去的多了，最终导致了烂帐也多。大批没有信用的贷款人，又或者那些真正没有实力偿还的贷款人，往往就抱定了赖账的心思。如此一来，所有的亏空都压在了信用联社的头上。
据白静初和这个女信用联社主任交流的时候得知，单是江宁信用联社加上下属八个区的信用社，已经明确为烂帐死账的款项就已经接超过了两个亿。这些还是少的，就怕还有大批隐性的烂帐尚未爆发出来。一旦全部爆发，必然是个更加惊人的数字。
江宁这边的贷款状况如此糟糕，使得省信用总社大为头疼。无奈之下，把江宁信用联社原来那个不作为的主任给撤了，重新从省里派来了这位女主任。
这个女主任名叫沈静宜，是个事业心很强的女人，上个月刚刚到江宁到任。一接手江宁信用联社这个摊子，沈静宜就大刀阔斧的整饬了一番。在加紧催帐的同时，对于那些违规偷偷放贷款的信用社职员，来了一个大清洗。一个月内，被她撤职或开除了七十多个中层，开除了三百多个基层职员。甚至，她还报请省信用总社的同意，开除了两个班子成员。
大清洗也并非蛮不讲理，事实上沈静宜很讲道理。比如这一百万的烂帐是你张三放出去的，那好，请你本人按期收回。要是回收率不到百分之六十，有职务的撤职，没职务的取消一切年终奖。并且无论有没有职务，工资降百分之三十。
而要是回收率不到百分之三十，对不起，信用社只能做开除处理了。
一百万的烂帐，能回收三十万就能保住饭碗，这已经算是很开恩了。而这个百分之三十的底线，也是沈静宜综合盘算之后，认为信用社的风险底线。要是连百分之三十的烂帐都无法回收，江宁信用联社估计要陷入一个极大的被动境地。
但是，即便是百分之三十的回收率做底线，依旧有三百多人被开除了！由此可见，这家信用联社的烂帐是何等的骇人听闻。一向以来，金融业都给人一种高高在上、虚假繁荣的表象，几乎人人领取着高工资、高福利，个个端着个金饭碗，实质上内部乱的很、烂得很。
平心而论，沈静宜做得并不算过分。也就是信用联社的企业化性质，让那些饭碗被砸的家伙们安然离职。要是国家公务人员造成了这种惨痛损失，恐怕还要追究法律责任。简简单单的一个卷铺盖走人，已经算是对得起他们。
但是，人心哪有满足的时候？被开除的这一批人，金饭碗被砸掉了，总有一大批心里头满是怨恨。特别是其中的个别家伙，跟社会上的涉黑势力还有勾结。面对饭碗被砸的现实，恶狠狠的放出了狠话——要给这个沈静宜放点血！
当然，多半的狠话都是吓唬人的，沈静宜也没太在意。这妞儿胆子不小，不怕阻力迎头而上是她的一贯风格，否则也不会被总社派过来处理这烂摊子。
但是，终究还有一个家伙，竟然真的动用了涉黑势力！那个被开除的江宁信用联社副主任，竟然从金湾区七哥那里请来了十几个混子马仔，将沈静宜的车砸了个稀巴烂，连房子玻璃也都砸碎了。
沈静宜虽然依旧要坚持自己要走的路，但安全问题不得不考虑了。所以，听说了江宁有家保镖公司的时候，便驱车过去要求聘请一个高手。省总社也怕这个女干将出现人身安全问题，特意拨付了一笔钱，同意沈静宜聘请不错的贴身安保人员。
只不过沈静宜是个作风很正派的女人，明说了必须要一个女保镖，而且必须能一个打十个以上的那种。因为，她对一下子出现十来个混子马仔的情景很受刺激。
开玩笑，女保镖还能一个打十个，放眼整个江宁，恐怕只有红豆和文竹能办到。
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