In order to draw up the bank's risk management system, Li Min conscientiously reviewed the bank's credit, audit, and supervision documents over the years, and closed it for 10 days before coming up with the revised terms.

The revised clause was unanimously agreed by all colleagues in the risk and compliance department, and the bank also attached great importance to it, and the president in charge of the bank directly took it to Li Yangming, the chairman of the board, and when he came out again, Li Yangming directly initiated the proposal to convene a senior management meeting without saying a word.

After urgent preparations by the Administrative Office, the first risk management meeting after the restructuring of Whitewater Bank was successfully held the next day.

There was only one theme of the meeting, that is, Li Yangming's proposal to revise the bank-wide risk management system.

In recent years, the continuous changes in external policies, coupled with the restructuring of the Bank, have sorted out the rules and regulations from top to bottom, from the chapter to the departmental system and business rules, and the revision of the system is a daily affair within the bank.

The executives have also become accustomed to it, and in their opinion, this is really a small thing that cannot be small, ordinary and ordinary can no longer be ordinary.

After the adoption of one article after another, the all-bank meeting was successfully concluded in a peaceful atmosphere.

Li Min originally thought that the painstaking management system could be a little clear, but what she didn't expect was that after the vote was completed and the document was issued, the document had already completed its historical mission and was shelved.

In fact, Li Min was still mistaken, that document was not shelved as she thought now, but it still had some effect, and the presidents of the various branches in charge of credit business sensitively found that Liu Nana's loan projects that had been reviewed were becoming more and more difficult to get to the loan review committee.

Most of the business is held and dragged in Liu Nana's hands, and the business department easily does not dare to urge, if it is urgent, it may be killed directly.

Two months have passed, and Whitewater Bank has basically not done a few businesses, so whenever it comes to the performance of this period, the business department will inevitably grit its teeth and scold Liu Nana for a while.

Many bank presidents looked at the business of the head office, which had originally planted red flags, and now it has been replaced with a green downward arrow, and they couldn't help but have a headache, so Liu Nana's phone rang frequently.

It didn't take long for her to buy a duplex building in full, not to mention that the house price was already seven figures for the decoration and furniture alone.

However, although Liu Nana is greedy, she is not alone, under her order, the presidents know how to bring black plastic bags wrapped one after another, which are square stacks of circulating goods, to visit the members of the loan review committee before the loan review meeting.

In the line of the sentence, a senior who can see the innocence said: The scriptures are good, but the monk's reading is crooked.

There are more and more non-performing loans in the bank, and after the presidents of the banks have put out the fires through various means, they still can't whitewash the peace.

Of course, Whitewater's financial statements are not as bad as those in the know might think.

The reason is that Whitewater Bank is still firmly committed to adopting the four-tier classification system for loans, even though other banks have fully implemented the five-level classification system for more than a decade.

What is the reason for this, and those who understand the difference will know it by patting their heads.

Of course, the leaders of the White Water Bank are not dry meals, and many of their explanations are historical problems, and the specific market situation is analyzed in detail, and the market situation of the White Water Bank is suitable for the four-level classification system of loans, and the five-level classification system is used at the same time, and it is implemented in parallel.

This reason is very strong, practical and not prominent, if it were not for the increasing balance of non-performing loans, the increasing number of lawsuits, the lower and lower performance pay of employees, and the large influx of employees, the work of Whitewater Bank would be almost flawless, so that no one can find fault with it and cannot grasp the handle.

Yes, in the midst of the turmoil, many capable young people across the bank have resigned and even said that they will never set foot in the banking industry again.

As a result, there is a huge personnel gap in the risk management line, which frequently triggers red alerts, and three of the four corporate lawyers in the risk and compliance department have also submitted their resignations, leaving Li Min alone to support him, and even maintaining daily work has become a reluctance.

Liu Nana asked the human resources department for many times, but the bank's professional talent reserve was insufficient, and the number of people studying law was even rarer, and the human resources department was unable to meet the demand.

With a shortage of manpower and an increasing number of non-performing loan cases, Li Min alone is like a firefighter, running between various courts and various account managers.

If it weren't for the contact with these cases, Li Min would not believe that the bank has been corrupt to such an extent, under the high temptation of 10 to 30 percent, the executives, the president and the handling account manager provide one-stop service, plan and escort the loan enterprises, falsify the loan application materials, financial fraud, audit report fraud, and the methods are so rough and bad that even the judges can't stand it, and they want to issue judicial opinions to the bank, requiring the leaders of the bank to strictly restrain the employees and avoid causing a large amount of property losses.

But Liu Nana actually put this responsibility on Li Min's head.

She has publicly stated on more than one occasion that the court's bad impression of the bank is due to the fact that the bankers who have contacted the court do not know how to have a good relationship with the judges, which has led to difficulties in the enforcement of the bank's non-performing loan cases.

Li Min felt sorry when he heard it, most of the loans of Whitewater Bank are credit loans, and only a few are mortgage loans.

Even if it is a real estate mortgage, in the case of the property price has been rising, the upper limit of the mortgaged house is 7% off the appraisal price, and the current situation is that the appraisal value at the auction is far less than the appraisal price at the time of the original loan.

If the mortgaged property that can be auctioned off to repay the principal and interest, the borrower will already dispose of it by himself, and there will be the remaining mortgaged property after the repayment of the principal and interest, and normal people will not care what they think.

There is no cat in this, and no one believes it.

As for most of the credit loans, don't look at the fact that there are more than a dozen or even more than 20 guarantors in a loan, but when it comes to execution, it will be found that those guarantors have no property in their names that can be enforced.

Li Min is not unaware of the trickiness in it, don't look at the first source of repayment and the second source of repayment in the loan application report are very beautifully written, but from the loan, reloan, revitalization, to the decision to sue, and then to the execution stage, smart people have already disposed of the property in their hands, and in many cases, those properties are not empty at all.

Liu Nana would scold Li Min for not having a deep relationship with the judge every time she came down from the sixth floor, but her tone has eased a lot recently, and she said that she had asked the chairman for instructions that the department was not staffed enough.

There aren't enough people, this is easy to do. As soon as Liu Nana spoke, Chairman Li Yangming immediately agreed.

He called Fu Zhongren, the general manager of the human resources department, and asked him to go to various departments to do research and count the shortage of personnel. According to the specific needs reported up, organize an emergency job fair.