Nan Yi accompanied Nan Ruoyan to watch TV for a while, and the door of the guest room was knocked.

The person who came was Ma Shimin. As soon as he entered the door, he said to Nanyi: "Boss, I'm very sorry. It was because of my poor management that this happened to Nanguo Bank."

"Simon, don't say that. It's impossible to do things smoothly. It's inevitable to encounter some problems." Nan Yi waved his hand and said, "It's not scary to encounter problems. Just block the omissions.

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

It is necessary to improve our bank’s loan review system, rebuild our risk control department, and make due diligence on the elderly left behind 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 any problems, I will ask them to submit their resignation."

"I should do this, but the movements are slowed down a little. I want to see what Liang Bing and Jiang Wenwei will do next."

"There has been action, and Liang Bing has another client. This time he wants to apply for a loan of 5 million. The approval report has been handed over to the risk control department, and Jiang Wenwei's team will be responsible for review."

"Then continue to follow the original process. These two people are very brave and have a bigger appetite. Okay, I will handle them myself, just continue to be responsible for the normal bank business.

I have an idea to tell you. The people of Kansen are very gambled, whether they are gambling horses or crossing the sea to Ommen, plus Yau Tsim Mong and Sham Shui Po, there are many underground casinos in Sham Shui Po. When they are fine, there are many people who go to gamble twice.

There are also stock markets, foreign exchange, and futures. Xiangwu people are also very keen on. Whether it is investment or speculation, there are naturally losses and losses.

For those who win, we invite them to deposit the money in our bank; for those who lose, we naturally need to make a purchase.

In order to help these people who lost for a while, I suggest our bank launch a loan project with relatively low interest rates, called Yum Fugui, and the ad slogan says: "Life is a long and storm, and the South will help you to cover up the peak."

The loan review standards should also be reduced as much as possible. As long as the customer can put the house book in our bank, we can pay him an amount of 80% of the house price. If the house is worth 500,000, we will give him 400,000, and the money will be directly transferred to the customer's account in our bank.

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

"Boss, although our bank deposits money in the account of our customers, we do not need to use our bank's funds. We just add a number to the account of our bank, and our bank has an extra data record. However, if a large number of customers withdraw money at the same time, our bank's working capital may not keep up."

"You are talking about a more extreme situation. This situation is unlikely to happen, but it is not impossible. Therefore, Adam Bank will prepare you a reserve fund to prevent this situation from happening. By the way, it is not cash, but gold."

"It doesn't matter whether it is cash or not. With gold, banks can temporarily borrow funds from other banks. However, I think the project Yum Fugui is not suitable for too much, and we must control risks.

Boss, you are betting that house prices will keep rising in the next few years, right?"

"Yes, I estimate that more than 70% of the customers who are gambling should not have the chance to redeem their houses; for those who are engaged in other speculation, there are probably only half of them who can redeem them. My real purpose in this project, Yum Fugui is actually to collect the building.

Of course, in order to make our eating habits not too ugly, we will set up a Rachel non-performing asset treatment company. On the surface, there is no affiliation with Nanguo Bank. The buildings recovered by Yum Fugui Project will be sold directly to this company at a discount of 20% or 30% off."

Hearing the word "Rachel", Nan Ruoyan stared at the TV and looked at Nan Yi, then giggled. She knew that this company would definitely have her shares.

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

"Thank you." Ma Shimin nodded and said, "When I go back and find someone to plan, I will start this project. Boss, my Cantonese language is not very good. I don't understand what you mean by 'Danzhe' just now."

"The meaning of umbrella is to hold an umbrella. Umbrella and san are homophonic. It is unlucky to disperse money. In Cantonese, the umbrella becomes a umbrella, and umbrella becomes a umbrella."

"I know." Ma Shimin nodded.

"Haha, this sentence is very good. You have already grasped the essence of Cantonese and get started faster than I did at the beginning. Tomorrow is the weekend, and we will go to the shooting range together in the afternoon. You haven't touched the gun for a long time, right?"

"Zhonghao, I occasionally go to the shooting range, but it's not very satisfying to only shoot competitive pistols. If I go to Shigang tomorrow, I have a comrade in my army there, which is convenient."

"Okay, I'll follow your arrangements."

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

When Ma Shimin left, Nan Yi thought about giving Ma Shimin a heavy gift when this Christmas is coming. The yacht is a bit too hard to hurry, and he would not think of what to give for a while, so he had to find someone to make a total of the money.

Ma Shimin positioned himself more as a professional manager. He was not very close to Nan Yi, so Nan Yi needed to get closer to Ma Shimin.

"Dad, do you still have to continue collecting the building?"

"Yes, my dad is optimistic about Xiangwu's real estate market, so the money is lying there. If we don't pick it up, we will be picked up by others."

Nan Yi said, took off his shirt, found a basketball vest from his suitcase and put it on his body, and put it on his lower body with a pair of beach pants.

"Do you want to change your clothes? Let's go to Miao Street to have a barbecue and drink Bingkuole."

Nan Ruoyan looked down at the princess dress on her body and said, "No, Dad, I can wear this way."

"Okay, then you just wear it like this, leave and go to have a meal."

"Dad, carry me."

"Okay, come up."

Nan Yi squatted down the ground, and Nan Ruoyan snorted on Nan Yi's back with a smile.

As soon as Nan Yi walked out of the room with Nan Ruoyan on his back, Nan Ruoyan asked, "Dad, isn't the new company you were going to open just now? "

"Little girl, now I always talk to me with strategies, so why are you going to do it? Okay, the company will have your shares. Your birthday this year is over, and my dad has not celebrated you. This year is 1984, so my dad will give you 1984 buildings and ask you to collect rent."

"Dad, I'm 9 years old this year. Shouldn't I add 9 too? If I don't add it in the front, I should add it in the back."

"Wow, little girl, it's such a big talk. Building 91984, Dad is not enough to spend all his money in it. I can only give you a thousand. If you want tens of thousands, you can do it yourself."

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

"Two thousand buildings? Little girl, how many rooms have she collected without telling her father?"

"There are not many, only one hundred buildings, so few. All the rent I collected is used to provide for the building, and I still owe a lot of money in the bank." Nan Ruoyan said pretending to be aggrieved.

"Okay, Xiao Cangming is all about daddy's head. Your loan is not mortgaged by the house. You are just asking dad to be the backing. How many times have you Aunt Liang guaranteed you?"

"It's only three times. I've paid Aunt Liang for the benefits. I've invited her to eat twice."

"Hmph, next time I go to M and I will break your legs. Do you have Wangdefu at home? I don't know how to leave money to my own people."

"Aunt Liang is going to go to Miao to call him. It's not what I want to go. If you want to blame him, blame Aunt Liang."

"You are also a good guy to blame."
Chapter completed!