My 1979

The financial industry is very complex. One characteristic of banks is the mismatch between current profits and risk lag. Profits increase in the current period after loans are issued. Under normal circumstances, risks will appear after 3 years, non-performing loans will increase after 5 years, and losses will occur after 7 years.

This mismatch between profits and risks often causes banks to only see profits and ignore risks. Especially under the current serious inflation situation, the inflation trend of 7% or higher is still continuing, which has given rise to a group of people like "the bad guys", and there have been "wool wars", "cocoon wars", "tobacco wars" and other competitions. All kinds of wars for resources.

For the banking industry, one mistake can be devastating, and bank bankruptcy is not uncommon.

Li He also hopes to operate steadily, but time waits for no one. Now is the golden development period of China's banking industry. If you seize it, you will be able to fly into the sky. The conservative style is not suitable for him at the moment, and he must advance bravely.

Compared with the low service efficiency of domestic banks, it still has advantages. At present, some domestic banks are still practicing the contract system. The contract management responsibility system has made achievements in rural areas and has also shown its power in small and medium-sized enterprises. In large and medium-sized enterprises There have also been breakthroughs, so the banking industry is eager to try it, and the theoretical design of bank contract management emerges spontaneously, using profits as an indicator to determine contract tasks, determine wages and bonuses.

The efforts made are nothing more than employees going out to collect savings, providing door-to-door services, and then focusing on the gathering, distribution and use of funds.

Liu Laosi looked at Li He and saw that he nodded affirmatively before saying, "Okay, I'll try it next time." He still had doubts about how to withdraw money with a small card, which was beyond his reach. cognition.

After coming out of the bank, the two of them didn't want to follow the car back to the hotel, and wanted to go straight to the train station.

Li Hui said, "Erhe, aren't you going home for the New Year?"

"There are some things that I can't go back to for the time being." Li He continued with a smile, "Just help me bring Lao San and Da Zhuang out. They will listen to me."

Liu Laosi nodded heavily, "No problem. As soon as I get back, I will tell them that after the New Year, we will bring them together."

As soon as he and Li Hui turned around, Li He stopped them again and said, "Ask Lao Yang. If he is willing, we can bring him out too."

He suddenly remembered Yang Xuewen. There was no reason not to bring him with him. Whether he wanted to or not, he had to say something.

"Sure." This time Liu Laosi was sure that Li He was fine, and then turned around and left.

Li He was driving, and Wu Shuping was sitting in the passenger seat and asked, "Mr. Li, are you leaving the day after tomorrow?"

"Have you booked the flight tickets?"

Wu Shuping nodded affirmatively and said, "It's decided."

"Then let's go." Li He already missed He Fang and his son so much that he couldn't sleep for several nights.

He drove to the hotel, parked the car, threw the keys to the driver who came out, and ignored them. He did not enter the room, but faced the biting wind, turned up his collar, and leaned against the corner of the hotel, smoking a cigarette.

It was noon, and the sounds of pedestrians, cars, bicycle bells, and parents loudly scolding their children were coming and going back and forth on the road.

With his identity and age, or rather his psychological age, he no longer needs to pretend to be sophisticated and mature. He lacks everything. People around him can understand what he wants with just a look.

He seemed to be getting more and more useless, and he began to miss the days of picking money between the floor tiles. The money could not be withdrawn from the cracks between the teeth. Even if I have an empty mouth, I have to let my wife and children have something to eat.

He has been talking about his small business all his life. He can endure even hard times, is very easy to be satisfied, and often feels a sense of accomplishment.

Suddenly he didn't know whether it was because he lost his mind or because he was too ambitious. He was not easily satisfied with anything, and it was difficult for him to have anything that gave him a sense of accomplishment. His current existence is a deliberate slap in the face to those who have struggled since birth and have nothing until now.

Shake your head and stop thinking about these things. You are just making yourself uncomfortable.

He has no choice but to get rid of the burden and start enjoying life.

When I returned to Hong Kong, I took off my down jacket as soon as I got off the plane. This time, all the speakers came to pick me up.

The speaker was all pointed at Wu Shuping, who unconsciously sipped his saliva. After a while, he said to Li He, "Mr. Li, get in the car."

After Li He got in the car, he asked, "What have you been busy with recently?"

The speaker was driving and said, "Make a movie, our movie has already been made."

"So fast?"

Xiao Xiaoquan said, "It's been half a year. It's too slow. People usually make a movie every two to three months. I want to kill the director. It's too slow."

"Oh. Don't be in a hurry. Sharpening your knife will keep you from chopping wood." Li He continued, "I'll go take a look when I have time. Nothing else has happened recently, right?"

Xiaoxiao thought about it for a while before shaking his head and saying, "No, it's just that the property market has dropped sharply, and Mr. Shen is quite busy. He is either busy collecting uncompleted properties or demolishing them. He took pictures of the land in the New Territories. Then There are too many difficult people around."

Wu Shuping got off the bus halfway, took a taxi and left. With the horn pointed at her back, she finally dared to swallow loudly.

He Fang also received the news early in the morning. She stood at the door with her child in her arms, looking outside from time to time. She went from having a graceful figure to being pregnant, and now she doesn't dare to wear low-waisted pants. She has some fat on her waist and doesn't dare to show it.

When she saw the car coming out of the mountain road, it seemed as if the child in her arms could understand her words and said, "Look, daddy is back, daddy is back."

Li He got out of the car and took the child from her arms, then kissed him, put his arm around He Fang's shoulders and said, "What are you doing out here? Just wait at home."

Xiaoxianquan was about to get out of the car, and when he saw this scene, he closed the door and the car turned around and drove away.

He Fang said, "Being idle is also idle. How about it? Is it cold over there?"

"It's cold, of course it's cold. But it's not as cold as in the north. It's close to the sea and has high humidity, so it won't freeze to death."

He Fang sniffed him and said, "Hurry up and take a shower."

He went upstairs and put the child in the cradle, looked for clothes and a razor for Li He.

When Li He came out of the bathroom, he didn't wait to wipe off the water on his body. He lay on his back on the bed in a big letter shape, looking very relaxed and completely different from usual.

He Fang said angrily, "Go to bed before the water is clean."

While talking, I didn't forget to wipe him with a towel.

Li He pulled her into his arms without saying a word, and said with a smile, "Have you thought about it?"

He Fang widened her eyes and asked, "What do you want to do?"

"Practice putting it in gear."

"Ah." He Fang exclaimed.

The two of them had never felt so close before, and then they began to live without shame or impatience.