Chong Sheng 1977Nian Cong Zhi Qing Kai Shi

Nan Yi watched TV with Nan Ruofing for a while, and there was a knock on the door of the guest room.

It was Ma Shimin who came. As soon as he entered the door, he said to Nanyi: "Boss, I am very sorry. It is my poor management that caused this kind of thing to happen to Nanguo Bank."

"Simon, don't say that. It's impossible to do things smoothly, and it's inevitable to encounter some problems." Nanyi waved his hand and said: "It's not terrible to encounter problems, as long as we plug the omissions.

What happened this time has shown that there are big problems in our bank's risk control mechanism.

We must improve our bank's loan review system, rebuild our risk control department, and do due diligence on the old people who stayed before, dismiss those who should be dismissed, and dismiss those who should be dismissed. "

"Yes, I'm ready to do this, and I'm already working on it." Ma Shimin said: "I'm going to screen all the people in the bank. If there are problems, I'll ask them to submit their resignations. "

"It should be done this way, but slow down a little bit, I want to see what Liang Bing and Jiang Wenwei will do next."

"We've already taken action. Liang Bing has another client. This time, he wants to apply for a loan of 5 million yuan. The approval report has been submitted to the risk control department, and Jiang Wenwei's team will still be responsible for the review."

"Then continue with the original process. These two people are quite courageous, and their appetites are getting bigger and bigger. Well, I will handle the two of them myself, and you can continue to be in charge of the normal business of the bank.

I have an idea to share with you. People in Hong Kong have a lot of gambling, whether it’s betting on horses or crossing the sea to go to Omen. In addition, there are many underground casinos in Yau Tsim Mong and Sham Shui Po. When you are free, There are many people who go to gamble.

In addition, there are stock market, foreign exchange, and futures. People in Hong Kong are also very keen on these three things. Whether it is investment or speculation, there are naturally winners and losers.

For those who win, we invite them to deposit their money in our bank; for those who lose, they will naturally need to recoup their capital.

In order to help these people who have lost for a while to start over, I suggest that our bank launch a loan program with relatively low interest. The name is Baisheng Fugui. peak. '

The review standard of the loan is also lowered as much as possible. As long as the customer can put the house in our bank, we can issue him a 80% of the house price. If the house is worth 500,000 yuan, we will give him 400,000 yuan, and the money will be sent directly to the customer's account in our bank.

Even if the customer needs less than 400,000 yuan, we will give the customer 400,000 yuan, which will be directly transferred to the customer's account, and the customer can withdraw the money at any time; if the customer does not withdraw the money, it will not be considered interest. Even if the amount of interest. "

"Boss, although our bank deposits money in the customer's account, we don't need to use our bank's funds. We just add a number to the customer's account, and our bank has an additional data record. However, if there are more people at the same time Our bank’s liquidity may not be able to keep up with customer withdrawals.”

"You are talking about an extreme situation. It is unlikely that this situation will happen, but it is not impossible. Therefore, Adam Bank will prepare a reserve fund for you to prevent this situation. The emergence of such a situation. By the way, it is not cash, but gold."

"It doesn't matter if it's cash or not. If there is gold, the bank can temporarily borrow funds from other banks. But, I think it's not appropriate to make the Yum Fortune project too big. We must control the risk.

Boss, you are betting that house prices in Hong Kong will keep going up for years to come, right? "

"Yes, I estimate that more than 70% of the gambling customers should not have the opportunity to redeem their house principals; as for other speculators, only half of them can redeem their property. Project, my real purpose is actually to recover the building.

Of course, in order to make our eating situation not too ugly, we have to set up a Rachel non-performing asset disposal company, which apparently has no affiliation with Nanguo Bank. Pack it up and sell it to this company. "

Hearing the word "Rachel", Nan Ruobing stared at Nanyi with her eyes fixed on the TV, and then giggled. She knew that this company would definitely have her shares.

"Simon, you can rest assured that Rachel's company will also be counted in your performance."

"Thank you." Ma Shimin nodded and said, "I'll start this project when I go back to find someone to make a calculation. Boss, my Cantonese is not very good. I don't understand what you mean by 'Dan Zhe' just now."

"Danzhe means holding an umbrella. Umbrella and San are homophonic. It is unlucky to disperse money. In Cantonese, umbrella becomes Zhe, and holding an umbrella becomes Danzhe."

"I see." Ma Shimin nodded.

"Hehe, this sentence is very correct. You have grasped the essence of Cantonese, and you can pick it up faster than I did before. Tomorrow is the weekend. Let's go to the shooting range together in the afternoon. You haven't touched a gun for a long time, right?"

"Zhong Hao, I will go to the shooting range occasionally, but it's not very enjoyable to only shoot competitive pistols. Why don't I go to Shigang tomorrow, where I have a comrade-in-arms, which is convenient."

"Okay, I listen to your arrangement."

Nan Yi and Ma Shimin chatted for a while, and Ma Shimin left.

When Ma Shimin left, Nanyi was thinking about giving Ma Shimin a big gift this Christmas. The yacht was a bit late, and he couldn't think of what to give for a while, so he had to find someone to calculate it.

Ma Shimin positioned himself more in the role of a professional manager, and was not too intimate with Nanyi. Nanyi needed to get closer to Ma Shimin.

"Father, do you want to continue to take over the building?"

"Yeah, Dad is optimistic about the property market in Xiangtang, the money is lying there, if we don't pick it up, it will be picked up by others."

As Nanyi said, he took off his shirt, found a basketball vest from the suitcase and put it on, and put on a pair of beach shorts on his lower body.

"Do you want to change your clothes? Let's go to Temple Street to eat barbecue and drink ice cream."

Nan Ruofing looked down at the princess dress on her body, and said, "No need, Dad, I can wear it like this."

"Okay, then you can wear it like this, let's go, go to dinner."

"Dad, carry me on your back."

"Okay, come up."

Nan Yi squatted on the ground, and Nan Ruobing laughed and threw herself on Nan Yi's back.

As soon as Nan Yi walked out of the room with Nan Ruofing on his back, Nan Ruofing asked, "Dad, the company you want to open just now is called Rachel, isn't it?"

"Little girl, now you talk to me strategically, what are you doing? Okay, the company will have your shares. Your birthday this year has passed, and Dad didn't celebrate with you. This year is 1984, so Dad will give you Your 1984 building let you collect rent."

"Dad, I'm 9 years old this year. Shouldn't I add 9? It shouldn't be at the front, but it should be at the end."

"Wow, little girl, it's really a lion's mouth. Building 91984, it's not enough for Dad to pour all the money into it. I can only give you a thousand. If you want tens of thousands, you can realize it by yourself."

"Okay, one life is two, two is three, and three is all things. With two thousand buildings, it is not far from twenty thousand buildings."

"Two thousand houses? Little girl, how many houses have you taken without telling your father?"

"Not many, there are only a hundred or so buildings, so little. All the rent I collected was used to pay for the building, and I still owe a large amount at the bank." Nan Ruofeng said pretending to be wronged.

"Come on, your cleverness is all on your father's head. Your loan is not a house mortgage, but your father's backing. How many times has your Aunt Liang guaranteed you?"

"It's only three times. I gave Aunt Liang a favor, and I treated her to M's twice."

"Hmph, next time I go to M, I'll break your leg. Do you have Wang Defu at home? I don't know if you will leave the money for your own people to earn."

"Aunt Liang is going to M's by name. I don't want to go. If you want to blame, blame Aunt Liang."

"You are also a good hand at throwing pots."

"Of course, I was taught by my father. I'm good at everything." Nan Ruofing put his hands together and pretended to be flying, "Small horse, charge!"