When the time came to the seventh day of the first lunar month, Nan Yi's New Year holiday ended, and his mind was on work again. It was time to deal with the issue of forging credit cards that he had put down before the New Year.

At about eleven o'clock in the morning, Fan's Qingyun drove to Yau Ma Tei, parked her car on the side of the road, walked into a tea restaurant at the intersection, and came to a dining table with two men. In fact, one was Guiligao that she had agreed to, and the other was a handsome guy with white skin.

"Gao Sheng."

Fan's Qingyun sat down opposite Guiligao.

"Miss Fan, right?"

Fan's Qingyun nodded and did not correct her surname was actually "Fan".

"Roy." Guiligao pointed to the young man beside him, "This is Gu Zai, he can take you to find Datian Er."

Fan's Qingyun looked at Gu Zai, thanked Guiligao again, and then took Gu Zai to the parking place. As soon as she walked out of the tea restaurant, Fan's Qingyun saw a military uniform standing next to her car and giving a ticket.

He quickly stepped forward and the Qingyun of Fan's family came to the side of the military uniform, "A Sir, have you made a mistake? I have only stopped for less than ten minutes."

Before entering the tea restaurant, Fan's Qingyun put coins into the yellow cushion.

There is a parking space on the roadside of Xiangkou, which has a time limit. The yellow meter is half an hour, one hour in brown, and two hours in blue.

"Sorry, I'm not going to issue a ticket to you."

Covering his own note book with his military uniform, he smiled apologetically at Fan Qingyun.

"It's okay, thank you for your hard work, Sir."

Smiling at the military uniform, Fan Qingyun pointed at Guzai at the co-pilot. After the two got in the car, Guzai pointed Fan Qingyun and drove the car to a warehouse-shaped building at the Saigong Shajiaowei.

"This is an underground cockfighting ground. Datian Er often appears here. I wonder if he will come here today." Gu Zai pointed through the car window and said.

"It's not yet noon, are you sure the cockfighting hall has started to open?" Fan Qingyun asked with a glance at the warehouse.

"Here is a cockfight during the day and a black boxing at night. The first game is at one o'clock in the afternoon, so you can't be wrong."

Fan's Qingyun always felt that it was not reliable. If Da Tian Er couldn't come, she wouldn't have to wait here, so she asked again: "Do you still know where Da Tian Er will go? Or do you know where he lives?"

"I don't know where to live. I want to block Datian Er, this is the easiest place."

Gu Zai said this, and Fan's Qingyun had no other choice but to wait, switch the car to a convenient place to observe and stop. The man walked to the corner, took out a pack of cigarette from his pocket, and handed it to Gu Zai.

Fan's Qingyun is a human, not a god. She and Ruan Zhiling were responsible for Liu Zhen's safety before. Most of the time was not replaced. In fact, there was not much time to follow closely, and more time was spent on waiting.

The first time may be three or four, or even six or seven hours. You cannot leave your post without permission, nor can you use a novel for immersive reading. In order to relieve boredom, Ruan Zhiling chose to eat pine nuts, while Fan Qingyun chose to smoke.

Bodyguards, especially bodyguards with no one’s shift, are not easy to do. Fan’s Qingyun now works in a collection management company and is mostly from nine to five. She doesn’t need to be nervous at all times. Although she has to go out to run often, she is much easier now than when she is a bodyguard.

Any company involving credit nature will cooperate with one or several companies of collection nature. If it is difficult to collect, the individuals/small businesses who have been owed for a long time will be dumped at a low price to such companies.

Nanguo Bank will also have bad debts. When credit cards are owed for a certain period of time, the collection work will be transferred to the collection management company. The company does not come forward to collect the collection, but instead binds N orders together and transfers the debt to the collection company or community outside.

To put it bluntly, the collection management company operates on the handling of non-performing assets, but the collection management company handles small amounts, which are not suitable for lawsuits. For large amounts, the Bank of South Korea will hand over to PY Securities for handling.

However, the non-performing asset ratio of Nanguo Bank is not high, and there are few large non-performing assets that need to be dealt with. This is related to the fact that Nanguo Bank reflects more of the characteristics of investment banks. Loans are not the main business, and even the gap in mortgages has been tightening since the previous two years.

The reason for tightening is that in 1988, Nanyi implemented a housing supply plan with an investment of HK$2 billion in Creative Real Estate, with a down payment of 10% and the rest rely on rent to provide housing. Since it is a loan to provide housing, it is definitely impossible to borrow from Nanguo Bank, but it is the entrance of other banks.

I borrowed from someone else’s left hand and borrowed from the right hand again. Isn’t this fart taking off my pants?

Moreover, Nanguo Bank does not have so many deposits to lend to the outside world. Banks do not absorb all deposits. They have to open an account at Nanguo Bank and deposit 50,000 Hong Kong dollars (it will soon become 100,000). Nanguo Bank is short-sighted and is self-defeating from ordinary citizens, and will only please middle-class and above customers.

Second, Xiangjun's mortgage policy is limited liability. The bank can only seek limited compensation from the lender, that is, when the lender has no money to provide the building and is insolvent, the application for personal bankruptcy is done. If the house is thrown to the bank, whether the debt can be paid off is not related to the lender's business, and the bank has no right to pursue the lender again.

This is not a scam for banks. If the housing prices are cut in half, banks, as vulnerable groups, can only jump off buildings.

Although Nanyi is very clear that the overall trend of Xianggang housing prices will rise for a long time in the future, and the house will not only not lose money when it comes to Nanguo Bank, but also make a big profit.

If banks are not regarded as the core foundation of the Nan family, we can indeed use this idea to consider things, but banks are precisely the core of the Nan family connecting all industries, so we cannot do this.

In the short term, it is OK to conduct one or two similar speculations occasionally, but it is absolutely absolutely not possible to conduct such extremely risky speculation in the long run and regularly. This will make the bank's internal personnel form an inertial thinking, and it can also be said that the speculative model will be integrated into the bank's corporate culture.

Once a culture is formed, it will not be so easy to make drastic reforms. At the least, it will be a major damage to the vitality, and at the worst, it will be destroyed.

If you don’t want to miss the opportunity to speculate, you can set up a separate enterprise to do this. However, the Nan family always needs to have a basic development model tone, which does not meet the tone of the Nan family and does not want to miss it. Nan Yi can only expose himself and do it himself, or leave it to people outside, and the Nan family holds some shares.

Nan Yi has always managed the Nan family with a working mindset, and does not position himself as the owner of the Nan family. The king just doesn't want the Nan family to be too strong, nor does he want to expand himself, become arbitrary, and cannot listen to other people's opinions. He also hopes that the Nan family will maintain a style of striving and brainstorming.

Gu Zai took the cigarette and took out a lighter to light it up. "Sister, aren't you doing it?"

[To be honest, I have been using wild fruit reading to read books and follow updates recently, changing sources and switching, and pronunciation aloud for many tones, www. Android and Apple are available.]

Fan's Qingyun shrank back and kept the cigarette butt away from the flames of lighters, "No, it's a legitimate industry."

"Do you want a certificate?" Gu Zai asked eagerly.

Fan's Qingyun glanced at Gu Zai, "You are very handsome, why don't you become an actor?"

Gu Zai said depressedly: "I went to Stanley to study."

Fan's Qingyun turned to look at the door of the warehouse, "Who hasn't clicked over yet? The key is how you go in the future. My job is not suitable for you. Be an actor, girls will definitely like to see you."

"Be an actor?" Gu Zai thought about something.

Just as he was thinking, Fan Qingyun said, "Look at it, is this Datian Er?"

Gu Zai looked over in the voice, "Yes, it's him."

Fan's Qingyun threw the cigarette butt on the ground, "It's all you have to do, you can take a taxi or wait for me to finish the work and take you back."

As he said that, the Fan Qingyun quickly walked towards Datian Er, and when she walked to the other party, she confirmed: "Datian Er?"

"My little girl, you call Da Tian Er, Brother Tian." Before Da Tian Er could speak, he followed him with a fashionable nose ring on his nose and spoke.

Fan Qingyun stepped forward, quickly poked her right hand, grabbed the nose ring and pulled it, and blood suddenly spilled out of her rogue's nose. Then, Fan Qingyun reached out and took out toilet paper from her pocket, wiped the nose ring, threw it on the ground, then stared at Da Tianer, and said, "I just asked you something, and I'll leave after asking."

Da Tianer looked at his skeleton with blood on his nose, and then at Fan Qingyun, who had evil spirits on his face. He made a wise choice to have something to say.

"explain."

"Recently, a new gang that forged credit cards, Xiangwu or Yangcheng, will give me some materials."

"Madam?" Datian Er asked with a slanted eyes.

"When I talk to you, you will give me a good answer. Bankers have never been kind to men and women. Datian Er, fortunately, you are smart enough. The bank you set up has no branches in Xiangjun, otherwise your whole family would have to be buried with you. Some people are not smart and are just picking grass around the nest. It would be of no benefit to you when you get too close to such people."

After Fan's Qingyun finished speaking, her eyes became colder and colder, and she stared at Da Tianer fiercely.

Da Tian Er felt a murderous aura in Fan's eyes. He was sure that he read it right, it was definitely murderous aura. There may be more than one woman in front of him who had killed someone.

"The west pit of Yangcheng, Lin Yuancong."

"Thank you, Lin Yuancong didn't have the chance to settle the score with you." Fan Qingyun nodded, took out a plastic bag from her pocket, opened it, pinched a corner of the plastic bag with a finger, shook it a few times, and seven or eight thousand-yuan Hong Kong dollars fell out of the plastic bag, "Brother, I will treat you the injury. I would like to advise you not to wear a nose ring, as your nose is easily pulled off."

It has a name and address, and the rest is relatively simple. Just contact the police in Yangcheng and wait for the investigation results. Don’t think about making up for the losses. That’s not realistic.

After eating Lantern Festival in Xianggu, Nan Yi flew to New York again to preside over the reform of Pan American Investment Control.

Pan American Investment previously only raised funds from shareholders, and invested in companies with very promising prospects. Over time, the market value of various companies has been rising repeatedly. Pan American Investment, which owns many shares, will be very eye-catching. It is time to make changes.

Rachel presided over the board meeting, and Nan Yi, who attended the meeting, proposed a restructuring plan - changing the current situation of single sources of funds before Pan American Investment Control, and transforming Pan American Investment Control into a capital control enterprise that raises funds from the public;

According to different investment areas, multiple business units are established: private equity investment, real estate investment, structured financing, asset management, special opportunity investment, etc.;

As of the date of the meeting, the shares held by Pan American Investment were injected into the "Special Project Team" for separate management. In order to conceal the special features of the special project team, the company also had to set up a "large-funded project team" to serve customers who only invested more than US$100 million.

Simply put, after the reform, Pan American Investment will become a capital management company, absorbing funds and investing, and recharging the share of the capital appreciation part (fund management fees).

There is no shareholder objection in the general direction of the reform. Every shareholder knows how much benefits Pan American investment brings to them, and who helped them earn these benefits. Before Nan Yi made too big mistakes or the suggestions made were not too ridiculous and outrageous, Nan Yi could have been completely alone.

The board of directors passed, shareholders left the market, and Pan American Investment began to make adjustments internally. Previously, 80% of the staff were transferred directly to the special project team and looked for offices separately outside. In the future, they would not have any intersection with other Pan American Investment staff.

The remaining 20% ​​of the staff will be divided into various business departments, starting from deputy positions. If you are competent and have a temporary support for a while, if the talents introduced from outside exceed their ability, then you will continue to stay in the deputy position. Whether the regular or demoted in the future will be determined by each person's own ability.

Nanyi will give preferential treatment to the land reclamation cattle who have no credit and hard work. If they do not make principled mistakes, they will not be fired easily and will give them a chance to correct their mistakes, but they will not guarantee that they can sit in the management position.

The capable are superior to the superior, and the incompetent are inferior. This is the eternal and unchanging principle of the Nan family. High salary requires high abilities and high pay in exchange for it. One carrot and one pit, and the Nan family will never raise useless people.

The oxen that can be left behind is capable. If they cannot keep up with the times and fall behind, they will have to leave no matter how great the contribution they have made in the past.

The Nan family will always materialize the contributions made by the staff. The Nan family will pay one by one, and the big one will be paid directly. The forward benefits will be connected to the Nan family's staff committee. If you really make a significant contribution, you can still receive a huge pension even if you do not retire according to the normal period.

After the reform began smoothly, Nanyi went to Aijid Building without stopping to check the financial team's audit results of the Nanshi Workers' Committee.

Although the Nanshi Workers' Committee is independent of the Nanshi and Nanshi does not have the right to make trouble for its work, the initial operating funds of the Nanshi Workers' Committee were allocated by the Nanshi, and most of the members of the committee are also executives of various enterprises under the Nanshi, so he still has the right to check the accounts.

After checking the accounts, Nan Yi flew to Montana again.

After working as a hostage at the Peace Dove training base for half a month, we cooperated with the Nan family's armed forces to conduct "hostage rescue" drills. Peace Dove, shit stick, food guards, and self-defense teams all came in turn, and those who could not come could also send representatives to observe and learn.

After being a hostage for half a month, Nan Yi worked as a special forces member at the training base for five days and participated in the "Geneva" drill.

Basically, only those surnamed Nan, especially when Nan Yi is held hostage, will rescue him at all costs. If others can be rescued, they will save him. If they cannot, learn from Alpha - there is only the difference between armed bandits and non-armed bandits, no hostages, shock bombs, tear gas, offensive grenades, defensive grenades, grenades, incendiary bombs, as long as they can quickly eliminate the enemy, they will use whatever they have in their hands.

I had fun for five days, and then participated in a few days of toxicology consolidation study.

The world is changing rapidly, and science is changing with each passing day. Every once in a while, Nanyi has to learn new knowledge of toxicology, such as not eating, not smelling, not touching, what will react when eaten, what mixing with what will produce toxins, which slice of poisons like to use, etc., and also learn how to save yourself.

Out of interest, Nan Yi also listened to the "Forensic forensic death" course. Where to inject what medicine, the cause of death will be manifested as cardiac paralysis, heart failure, etc.; nitrosomes and yellow quinologies, as long as the dose is controlled and the meal is fed together, it will not take long to get 100% cancer...

Nan Yi also absorbed a lot of such knowledge. Who made him a dreamer, killer, and agent who used to be the one he wanted to be. Good fortune made people, and he took the path he despised the most in both lives and became the capitalist he hated the most.

"Oh, if I hadn't become a capitalist, I would have dared to go down the well to dig coal and be a real man."

On the way out of Montana, Nan Yi was ashamed of his timidity and fear. For the sake of the man, he decided not to insert steel plates into the bulletproof vest in the future, but to replace them with ceramic plates that Hulan Renren.
To be continued...