[困擾] 還適合做企金嗎?
算了一算,進銀行也快十個年頭了。
到目前為止大多數的時間都是待在企金部門,
可能是格性算比較細心保守,
經歷了數任的經理,都讓我待在企金部門。
不知道是因為多年累積下來看太多了,
還是結婚生子後想法有些改變,最近變的內心有點不自在。
對銀行企金來說,債權保障無疑是最重要的,
如果說不怕被處份是騙人的,百密總有一疏,
貸出去的錢要設法收回,這是工作的職責,也是自身的責任。
看了好幾次的老淚縱橫,
老父母為了經商失敗的孩子,花光了畢生的積蓄,
繳了二十年才還清的房子也便宜出售,因為走到法拍就更賤價了,
最後連僅存棺材本都賠進去了,全部都用來幫孩子還銀行貸款。
和這些老人家談了才得知,
多年前,孩子為了經商跪著求他幫忙做保,要求把房子拿出來抵押,
不然公司貸款額度銀行請不下來。
老父母問我,之後怎麼辦?
已經走到這步了,貸款還沒全數清償,是要把他逼死嗎?
還有許多狀況,也不方便多說,只是想到就覺得有點難過。
主管總是說,這是銀行的債權,也不是我們拿刀子逼他簽保證書的,
是他們自己願意做保的,法律上銀行這邊絕對站的住,對總行才有交待。
這我當然了解,只是很多時候都有於心不忍的感覺。
這樣的我似乎不適合再做企金了?
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