In early autumn, the leaves have not yet fallen.

The weather in the small southern town is sunny and cloudless.

The largest president's office on the ninth floor of the Tianyou Bank headquarters building is bright and moderate.

Huang Qianming, the first vice president of the bank, was sitting uncomfortably, and his back was soaked in sweat.

As early as this morning, Huang Qianming saw Ning Yan's domineering side, and the sentence 'You have to teach me to do things' made him disgraced on the spot.

And now, a list sent to him made him flustered.

The new president, who is excessively young, is extremely efficient and has a wide range of sources.

On the first day of taking office, he first burned two fires, and now it is only the second day, directly aiming at the personnel problems in the industry and pointing directly to the core unspoken rules.

The action is so big that it is quite unreasonable.

"Ning Xing, you're embarrassing me. ”

Meeting Ning Yan's gaze, Huang Qianming replied.

The sound has never been more difficult than ever.

"It's just some moths, I'm thinking about coming in batches, mainly to ask Lao Huang for your help in checking, which ones can be irrelevant, and which ones need to be taken care of. ”

Ning Yan didn't care about the authentic way.

"I've heard a lot about unspoken rules, and I don't want to toss if I can close one eye. ”

"To put it mildly, this is taking the bank's money and putting it into your pocket, Huang Xing, what do you say?"

Ning Yan's words have already reached the point of being very clear.

In fact, what is in front of Huang Qianming is the easiest choice.

In the end, do you choose to follow Ning Yan, who took a big turn after taking office, to go all the way to the black, or choose to protect yourself and leave the ignited powder keg of Tianyou Bank.

No matter how you choose, it will test Huang Qianming's judgment created by so many years of career.

On the surface, everyone in this world has a choice.

But in the complex world of human affairs, many people have no choice.

For example, now.

Objectively speaking, Ning Yan gave Huang Qianming a good choice to go dark with him.

The process of bank failure is very complicated, which means that before the failure, Huang Qianming had nothing to worry about.

But there is an important point in this is that Huang Qianming will be afraid that Ning Yan will unload the mill and kill the donkey.

This brings us to another objective problem.

It is equivalent to saying that some local residents born in first-tier cities have either accumulated virtue on their ancestors, or they have been demolished, and they have several houses.

Belong to the birth to win.

You can live a leisurely and relaxed life, and you can choose your favorite lifestyle.

And people born in remote mountain villages, such as Ning Yan, struggled to enter the society earlier, and stupidly gave up the opportunity to go to college.

One mind drilled into Pengcheng, wanting to grit his teeth and struggle and take root.

Then he has a narrow vision, no sense of belonging, is as humble as dirt in the dust, and dares to be angry and dare not speak out against the unreasonable oppression given by his boss and the company.

In the end, it is a horizontal comparison of people with the same background as oneself to have the slightest superiority.

Choose?

Not at all!

Life was too sharp for Ning Yan at that time, not that kind of warm vein, but every step had to be considered, because life does not give opportunities to make mistakes.

For example, at the instigation of Yan Zhi, Ning Yan finally gritted his teeth and decided to buy the dream notebook.

As a result, the pressure of online loans is coming.

Now, Huang Qianming is similar, he seems to have a choice, but in fact he doesn't.

If he chooses to protect himself, then he will have to leave Tianyou, at least there is no place for him in Wushi.

Speaking slowly, in fact, Huang Qianming made a decision quickly.

"Ning Xing, what I said is not necessarily right, just for reference. ”

"These people, the work in charge can be replaced, especially now that you have taken back the approval authority for large loans, so it is actually dispensable. ”

"These are not easy to replace for the time being, and there is a mess of things underneath. ”

“......”

Huang Qianming explained the reasons one by one.

Ning Yan heard it very clearly.

But he won't be completely biased.

Huang Qianming also took advantage of this opportunity to exclude dissidents or something.

"This Zhang Jiande, the plot is more serious, Huang Xing, do you think you should set up a model. Ning Yan said with a smile on his face.

Huang Qianming: "......"

"It's all up to Ning Xing's opinion. ”

I whispered in my heart: "A companion is like a tiger, there is a slight deviation in my words, and I have to say it specially." ”

Ning Yan knew it in his heart, got up and said, "Thank you Huang Xing for your support of my work." ”

“......”

The basic tone was set.

Zhang Jiande is definitely going to be used to be a model, as for the others, Ning Yan has already sent it to Yan Zhi for her to take a look again.

............

didn't wait for Yan Zhi's reply, but waited for the phone call first.

"Mr. Ji is very busy, how could he remember to call me. ”

Look at the number, after connecting it, Ning Yan said with a smile.

Over there, Ji Ting said with a smile: "Mr. Ning said that he was joking, my small family and small business are not as good as Mr. Ning." ”

"I heard that you have been busy running a business in different places for the past two months, how do you say that now you are going to Wushi?"

Ning Yan didn't deny it: "I just came yesterday." ”

"One thing to say, Ji is always really busy, I can't remember how many times I haven't made an appointment with you. ”

"My, my, I'm sorry. Ji Ting was embarrassed and said, "I also want to be like Mr. Ning, take a look here and there, but it doesn't work." ”

"Ning always has time to speak, I will definitely arrive. ”

“......”

After a few words of gossip, Ji Ting expressed her intention: "Mr. Ning, do you have any ideas about the bank this time?"

"Huh?" Ning Yan was stunned, "How could you think of this, I am purely commercial." ”

"You should have heard that the condition I negotiated with my family was that all the companies I run must lose money to meet the standard, and they can't fool around. ”

"The reason for stopping the issuance of microloans is to recoup the funds. ”

Ji Ting breathed a sigh of relief: "I thought it was something to do, and you also know that my family's small industry is closely related to the bank." ”

"If you really find it difficult, just pack it up and sell it and change it to a light industry. Hearing this, Ning Yan said casually, "To be honest, it's easier to make money on the Internet." ”

Ji Ting: "...... Did you hear anything?"

"How?"

"There is indeed this intention internally, although it is not packaged and sold, but it is not too much, similar to Mr. Wang's side. ”

"Oh? ”

“......”

After Ji Ting's call, it was Lin Mian's.

Lin Mian babbled and said a few words.

Finally, he said: "Mr. Ning, are you going to fight against the entire circle of interests with your own strength?"

Ning Yan smiled: "I can't talk about it, it's the interest circle that jumped out by itself, and I think that a local commercial bank is easy to bully." ”

"Why can't it be a small bank in a small place to uncover the inside story?"

"I really think of myself as a master one by one!"

Ning Yan is still angry!

Seeing that this thing is going to be protracted.

Originally, it was a good reminder to Tianyou Bank's small online loan users, which is good, like breaking the sky.

I almost can't see any small news like 857 and Comic-Con Internet celebrities.

These people with vested interests are also too prone to intracranial orgasm.

If it weren't for the different identities now, Ning Yan really wanted to take the money and smash it down to see who had the loudest voice.

It's a big deal that Lao Tzu goes to Fuyou Street to play around and see who is strong on horseback!

"It's true that when you say this, the voice of public opinion is too crazy, because people who eat small online loans are jumping too anxiously. Lin Mian agreed.

Then the conversation changed: "What did you say this time, do you have the results you want to achieve?"

"Or is there a meaning to pave the way for the upper floors?"

Ning Yan was stunned for a moment, and said puzzledly: "Ji Ting called me just now, and she also asked this, could it be that you heard some news?"

"I didn't have any ideas, I just wanted to see if I could get the bank out of business within this month. ”

Lin Mian denied: "No, I guess it's the same as me, it's speculation, after all, no matter what business you do, it's inseparable from the financial market;

The model of small online loans is too profitable, and slightly larger institutions can return to their capital in one month, with a net interest rate of 100% in two months, and many people with network capital want to enter. ”

With such an explanation, Ning Yan understood.

Speaking of which, this is also the reason why Tianyou Bank was found to have a bunch of bad debts yesterday, but the financial report is still so good.

Because the small online loan with the ABS model is too profitable.

Generally, the lower interest rate is 1.5% per month, a little higher by 2%, and the scale of 3500000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000

In short, the profit margins of small online loans are too staggering.

So much so that it is blooming everywhere, and countless people want to get started.

This is also the reason why Ning Yan's casual operation immediately detonated the entire public cyberspace.

"I didn't think about the situation at the beginning, but then it was intentional, I wanted to try to use a local commercial bank to accompany the funeral, whether I could leverage this interest model. Ning Yan didn't care.

Lin Mian was stunned: "Mr. Ning, are you really going to turn the sky upside down?"

"It's a trivial matter, I didn't ask the Ning Affairs Management Office to help behind my back. Ning Yanle said.

“......”

From Ji Ting to Lin Mian's successive phone calls, Ning Yan knew that he couldn't be idle today.

Sure enough, new calls came in soon.

This time it's Wang Si.

Speaking of which, Wang Si and Ning Yan's growth experiences have many similarities.

Some of the behaviors are similar.

Wang Si was raised in poverty until he was 18 years old.

may be because Ning Wanqiang is more confident, and he insisted on raising Ning Yan to the age of 22.

So as a result, both of them have the same grip in some habits.

"Well done, Mr. Ning, I support you and turn this pool of water upside down. This is the first thing Wang Si said.

Ning Yan smiled: "Headmaster, don't you want to be so exaggerated." ”

"What an exaggeration, can't I blush, they earn this money too comfortably!" Wang Si said with a gritted grit of teeth.

Ning Yanle said: "The world is real, there is one thing to say, in fact, I am also a little envious, but the money in this bank is not mine, and my task is to operate at a loss;

Originally, I was just playing by myself at first, but it all jumped out, so I didn't care. ”

Wang Si changed the topic with a smile: "Mr. Ning, you have been really tossing recently, when will it be completed." ”

"At the end of the month. Ning Yan said casually.

"I have time to post more moments, and when I have nothing to do, I brush it up, it's the same as visiting a kiln, it's very cool. ”

Wang Si: "!!"

"Mr. Ning, don't be so direct!"

"It's a pity that Wushi is too small and not easy to arrange, otherwise I can go and give Mr. Ning a small party. ”

Ning Yan hurriedly said: "Don't be difficult to arrange, there is an airport in Wushi, but you can't park a big plane, and it's not easy to bring the car over." ”

"There is an airport?" Wang Si was stunned, "That's not what you said!"

"We came over on Friday night. ”

"Yes. Ning Yan said with satisfaction.

Wushi is not anyone's territory, so this time it is Wang Si's accumulation and has nothing to do with Ning Yan.

Wang Si will take care of everything.

Ning Yan is happy to be idle.

It's just that I didn't enjoy this leisure for long.

A few minutes later, the phone rang again, this time it was Wenxi.

"Mr. Ning, you are really not idle, you are a financial enterprise in Ningbo, and now you are transferred to Wushi and directly engaged in a bank?"

"Is it because you are being targeted by the bank in a financial institution and feel uncomfortable?"

"It is worthy of Mr. Ning, he can make a huge movement anywhere. ”

Ning Yan hadn't said a word, and Wen Xi had already said a bunch of things suddenly.

Ning Yan was stunned.

Today's Wenxi is somewhat different from the Wenxi of the past.

"You're a bit of a sham, anyone with a discerning eye can see that this matter has nothing to do with me, mainly because someone is targeting my small business. ”

Wen Xi sneered: "Just you, you still have a small business?"

"You're embarrassed to say that. ”

Ning Yan was puzzled and asked, "Did you eat some gunpowder?"

Wen Xi laughed: "Mr. Ning can say whatever he wants." ”

"No, just a little curious, you came up suddenly, and I didn't offend you when I thought about it. Ning Yan said calmly.

Wen Xi couldn't help but sneer again.

"Tell me about you, don't let me catch up like this, you just want those Internet celebrities, young models, right?"

"Eleven hasn't played enough, it's been so long from Yangcheng to the Demon Capital, and now you want Wang Si to arrange a party for you?"

"Huh!"

"Man, there's not a good thing!"

“......”

Ning Yan: "......"

"Well, Miss Wen is right, I am indeed not a good thing;

I remember explaining to you before that because of the different social resources occupied, there are some things that I can be unscrupulous and some things that I can't.

For example, I can't pretend to like you and pull out the ruthlessness. ”

Wen Xi snorted: "Okay, okay, you always have a point, I understand, I understand, I don't even have the qualifications to let you pretend;

Sometimes I think that I would be an ordinary person. ”

“......”

All in all, Wenxi's phone call said a lot of nonsense.

Ning Yan also heard the taste.

It's not that he made such a big move to find out the news, and it's not really what happened.

It's that Wenxi seems to be a little worried.

It's not that Ning Yan is sensitive, but Wen Xi's performance is too obvious.

Before hanging up the phone, Wen Xi suddenly said: "Ning Yan, I'm getting engaged, from now on, I will honestly be a so-called rich wife, playing the piano, embroidery, flower arrangement, afternoon tea, and wife circle." ”

“......”

"I don't regret knowing you. ”

Ning Yan: "......"

"I ......"

didn't give Ning Yan a chance to speak, Wen Xi hung up the phone.

Should say it or not, Ning Yan didn't have the slightest feeling for Wenxi.

Of course, a little simple desire cannot be completely denied.

Hearing that Wenxi was getting married, Ning Yan actually didn't have too complicated feelings, not to mention loss, not to mention relief, and not to mention happiness.

Sometimes the likes of others can also become a burden for the parties.

So much so that when the next phone rang and said two words, Ning Yan didn't react.

Uh-huh, ahh

When I hung up the phone, I found that this time it was not a mobile phone, but the president's phone on the table.

The caller was not very familiar with him, but he was told the name, the owner of Jinyuan Real Estate.

said a lot of flattering words on the phone, and said that his partner wanted to visit one or two.

Ning Yan didn't think much about it, and finally agreed in a daze.

But fortunately, the time is not today, but tomorrow afternoon.

............

The morning was over.

President Ning arranged a small matter and answered the phone for a long time.

Secretary Yan was busy all morning, and he almost lost his feet on the ground.

It was close to lunch before returning to the president's office.

"Mr. Ning, how do you eat at noon?"

Ning Yan said casually: "Let's eat in the office, I don't really want to move, I made a fuss all morning." ”

After Yan Zhi made arrangements, Ning Yan glanced at Yan Zhi and asked casually, "What's going on over there in Wenxi?"

"What......" Yan Zhi said subconsciously, and then came back to her senses.

sighed and said: "Wenwenxi is a good girl, I am in a hurry to stick to you, you don't want it, do you plan to make her a junior?"

So taking advantage of the eleventh day, Wen Xi got into a family affair, and the man's family has a wide range of business, mainly investment, which is considered a good match. ”

"Maybe people know you, and they have seen you when they were in the Demon Capital, but you shouldn't know you. ”

Ning Yan had to admit this.

for he had seen so many people.

If you only count the rankings, it seems that there are only five or six hundred families in China with a wealth of 1 billion US dollars - that is, they can meet the threshold of the party organized by Ning Yan at the beginning.

But Ning Yan is in Pengcheng, in the magic capital, in Hong Kong, and everywhere there seem to be piles of strange rich children.

If you calculate it, you have to have a thousand children and eight hundred.

Why?

Because many people's wealth is not on the list.

In addition to making a name for themselves, the Chinese believe in making a fortune in silence.

Ning Yan held out a sentence for a long time: "Where is the man's house?"

Yan Zhi blinked and glanced at Ning Yan: "Yangcheng." ”

"Oh. Ning Yan took a bite to eat, and said again, "The two of us have to give two red envelopes." ”

Yan Zhi sighed: "If you like Wenxi, you will chase after it, what are you doing with me?"

After a pause, Yan Zhi said in an accentuated tone: "If you just think about oops, this woman has liked me for so long, and she looks so beautiful, and I haven't had any super friendship relationship, you will die." ”

"None of them. Ning Yan smiled bitterly and shook his head.

"At most, it's a little bit stunned, after all, Wenxi is a good girl, just called me and looked like this in my life, alas......"

Yan Zhi said helplessly: "I don't understand this, wait for you to speak!"

"Don't, you say I'm delaying. Ning Yan hurriedly said.

Then he said in a serious tone: "I don't seem to have any desire for this thing;

In the past, when I was carrying a butt of online loans, I thought that after paying it off, I would have to take good 857 first, and then find someone who could live;

Now directly transitioning to the rich third generation, 857 is tired of playing, and women have seen a lot, but it is not exciting. ”

Saying that, Ning Yan sighed: "This is also the reason why I am willing to play a live broadcast when I have time;

Including Luo Xin's billion, and Eleven, you have been fanning the flames, in fact, because she is living her own life, but it is broadcast live;

Whether it's in private or in the open, it's so ordinary, simple, relatively good-looking, but that's all. ”

Yan Zhi's brows had already frowned.

"I think you may need a psychiatrist, and although you have to help yourself, you should need to receive some professional advice. ”

Ning Yan was stunned: "How did you talk about such a distant matter?"

He continued: "It's not complicated, I'll give you an inappropriate example, when I was five years old and first grade, I really wanted a small game console;

But at that time, I was young, I didn't dare to tell my family, and I didn't have the ability to save money, so after three or five years, I had enough pocket money to buy a game console, and I didn't want to buy it. ”

"It's the same when it comes to falling in love, junior high school is a playhouse, and high school is not so coincidental to meet likes;

When I got to society, I didn't have an easy life from beginning to end, including after May Day;

Before May Day, I thought about what kind of person I wanted to become, and I listened to persuasion, and I bought what I liked now.

But life has always taught me that I deserve to be a waste by relying on my intermittent and complacent struggles, and I don't even have the desire to be very motivated, let alone find a partner. ”

"Yes, I met a lot of new and wonderful girls after May Day, but that doesn't mean I like them. ”

In the end, Ning Yan concluded: "Strictly speaking, I don't know what I like right now. ”

"My life was not in my own hands from beginning to end, and as Aunt Wu told me at the beginning, freedom would be the most extravagant thing I wanted. ”

The Ning family, Ning Wanqiang, and the Ning Affairs Management Office, everything has no intention of binding Ning Yan.

But restraint is ever-present.

There's nothing to say about this, you're born with bondage.

Yan Zhi was silent: "I understand." ”

"But I can't give any advice, feelings have always been the most unreasonable, maybe you now swear to tell me, you don't have any desires, because you have money, you don't need to struggle, you don't need to do this and that;

But maybe the next second you'll like a girl. ”

Ning Yan pondered for a moment, and thought deeply: "I'm quite looking forward to it." ”

“......”

Then Ning Yan changed his words and said, "What happened to the results of the list I gave you?"

Yan Zhi sorted it out a little and replied, "Vice President Huang is very down-to-earth. ”

"Basically impartiality. ”

"The priorities are the same as the survey suggests, so it's up to you to choose. ”

Ning Yan thought for a moment and said, "Then let's start directly with Zhang Jiande." ”

"In the afternoon, you go and tidy up first, and then arrange it. ”

"Although I am just a passer-by to Tianyou Bank and have never thought of controlling this place, I also hope that during my time as president, the bank will be banned. ”

This is Ning Yan's most simple request.

There is a problem, hold on.

There are thoughts, hold back.

There is a suggestion, hold back.

Unconvinced, hold back.

What should I do if I can't hold it back?

I don't care about you!

It's as simple and crude as that.

Ning Yan will not have any pity, let alone any caution and slow simmering, only bold and drastic.

As for what Ning Wanqiang wanted to see, it was his business.

Although Ning Yan can't choose what company to take over, he has a way to choose his plan during the business period.

Even Yu Ning Yan didn't actually regard himself as a CEO, because he rarely executed.

Yan Zhi responded: "Okay." ”

After accompanying Ning Yan to lunch, Yan Zhi simply cleaned up the mess, took care of herself and set up a nap bed next to her office area, put on a blindfold and went to rest.

There is a big difference between banks and other entities.

The general working hours are from 8:30 to 11:30 and from 2 to 5 in the afternoon, and the total working time is only 6 hours.

Some units do not go to work until 2:30 p.m.

You can go out and watch a movie at noon, and it doesn't affect it at all.

Therefore, it is normal for Yan Zhi to take a lunch break and get some sleep.

But even so, Ning Yan was still stunned.

Why didn't that happen yesterday?

Ning Yan walked two steps and stood next to the lunch break bed, looked down at Yan Zhi, who was breathing steadily, and beeped: "You just go to sleep directly, without my share, why didn't you sleep yesterday?"

Yan Zhi, who was wearing an eye patch, said angrily: "You have a lounge, I didn't have time to buy a lunch bed yesterday." ”

"I'm a secretary, so I can't use it casually in the company. ”

Ning Yan: "......"

"You know, I've always been a fan of lunch breaks, so what if I play games?"

Yan Zhi tilted her little head: "Wear a headset?"

"Okay. ”

What else could Ning Yan say.

Looking at Yan Zhi who was lying flat on the lunch break bed, Ning Yan smacked his lips, if he wasn't afraid that Secretary Yan would jump up and beat someone, he would be high and low in two sentences.

It was the first time he had seen Yan Zhi, dressed in a more business-like style, sleep.

It's somewhat tempting, after all.

During the more than two hours of the noon break, Secretary Yan slept soundly.

Ning Yan, who was playing with the landlord, could even hear Yan Zhi's slight snoring.

Obviously it's beautiful.

However, these two hours are very unbeautiful for Ning Yan.

So angry that he almost wanted to smash the penguin game, these happy landlords couldn't chase their dreams at all!

According to the easy way to calculate, 1 yuan is equal to 10,000 happy beans, and Ning Yan came up and charged 10,000 yuan first.

After all, Chen Daozi can win from 20 yuan to 37 million!

He Ning Yan didn't mention anything else, people with billions of pocket money must have a high start, how can they win from 10,000 to 3.7 billion, right?

As a result, 100 million beans were lost in minutes.

And then another 100 million.

Another 100 million.

Batch chasing dreams!

So......

When Secretary Yan woke up from his lunch break, he saw Ning Yan with a slump on his face at a glance.

A look of displeasure.

Rubbing his eyes, he asked, "What's the matter, isn't it a game?"

"Lost!" Ning Yan snorted, "I lost 100,000 yuan in a fight against the landlord." ”

"100,000 is nothing, I once lost more than 1.9 million that I won with great difficulty. Yan Zhi said casually.

Then he reacted: "You lost 100,000 yuan?"

"Otherwise, in two hours, I charged 10,000 yuan 10 times, and the happy beans alone were exchanged for more than twenty or thirty billion!

When I lost, I put 2.5 million beans, that is, I lost for a long time for the first time, and I won tens of thousands of beans in the middle.

Yan Zhi: "......"

"Do you want to communicate with the penguins through the Ning Affairs Management Office, this matter is indeed a bit outrageous. ”

Ning Yan waved his hand: "Forget it, it's only 100,000 yuan, it's not that I can't afford to lose, now I'm just a small bank leader." ”

As soon as Yan Zhi came down, she heard Ning Yan say again: "You let your secretary team try it when it's okay, approve 1 million funds, and if you can lose 100,000 yuan within two hours more than three times, write it down." ”

"I'd like to see what the penguins are going to do!"

“......”

Ning Yan actually attaches great importance to this matter.

He can lose.

100,000 is not a big deal for him now.

But program cheating is absolutely unacceptable.

“......”

............

Afternoon.

Those who take a lunch break, and those who don't, will be a little confused.

At the bank, this is no exception.

The entire 9th floor of Tianyou Bank is like this.

Just when everyone was yawning, a group of middle-aged men and women in formal suits with serious faces walked in.

The middle-aged man in the lead had a serious face, but his attitude was very polite: "Excuse me, we are the supervisory organs. ”

"Where is Mr. Zhang Jiande's office? ”

Hearing this, a slight noise came out of the office area.

Then someone answered the question.

"The vice president's office in the second room on the right. ”

The middle-aged man in the lead nodded slightly and thanked him: "Thank you." ”

The group went to Vice President Zhang's office.

The bank staff in the office area seemed to lose their voices.

Silently waiting for things to develop further.

Not much.

The middle-aged man in the lead walked out with Zhang Jiande.

Rather, there are no constraints.

But the employees who are familiar with Zhang Jiande can see that the vice president, who was originally quite personable, suddenly lost his spirit.

Not even the smile on his face was gone.

It only took a few minutes before and after, and he was very disgraced.

After the 'uninvited guests' left, the sound of the office area gradually sounded, and the heads and ears were endless.

"What is this because of Vice President Zhang?"

"Don't pretend, everyone can see it, but I didn't expect it to be so ruthless, and it will be handled directly by law enforcement agencies. ”

"Don't you want to think about it, duty crimes, corruption, and bribery, how many crimes does he Zhang Jiande occupy, and don't you deal with it and keep having children?"

"However, I heard that Vice President Zhang has a lot of big customers, especially our bank's largest customer, Jinyuan Real Estate......"

"Whose money does it belong to?"

"Our bank is a private joint-stock commercial bank, and the boss has the largest shares, do you think it's a joke?"

"Ning Xing came up as a thunderbolt method, in just two days, first directly stopped the approval of large loans, then turned off small online loans, and now it is a knife to personnel, it is really ......"

"Be careful, there are a few of us on the 9th floor who have clean butts, think about it yourself. ”

"It's nothing more than killing monkeys and making an example of chickens, who doesn't understand?"

“......”

The staff's chatter suddenly stopped.

Because someone coughed twice.

But this person is not the Ning Yan everyone expects.

But......

Huang Qianming.

He looked at the staff on the 9th floor, his face was a little serious, and his tone was quite calm.

"Zhang Jiande is under investigation on suspicion of a number of duty violations, and do not spread rumors until there is no further information from the relevant parties.

You can do your job with peace of mind. ”

When someone was about to speak, Huang Qianming snorted in a nasal voice: "If there is nothing to do, don't express your opinions casually." ”

“......”

In the Zhang Jiande incident, Ning Yan did not show up from beginning to end.

The resulting multiple vacancies did not immediately follow.

Everything seems to hang there.

People with unclean butts are worried about when the sword hanging over their heads will fall.

And those who are prepared in their hearts are not worried, work with peace of mind, and wait for opportunities.

All in all, Ning Yan was completely laissez-faire.

Leave it to all kinds of speculation within the bank and some affiliated companies on this matter.

No intervention was made.

Privately, some bank employees jokingly called this the third fire of the new official.

Even if the news fell to Ning Yan's ears, he didn't take it seriously.

After dinner, after returning to the room on the third floor of the guest house, Yan Zhi looked at Ning Yan with a curious face: "You really don't care about personnel issues at all?"

As early as dinner, she told Ning Yan about the internal rumors after the Zhang Jiande incident.

After all, it's a secretary.

You have to know a little bit about what you shouldn't know.

Facing Yan Zhi's curious gaze, Ning Yan said casually: "There's no need to care. ”

"I think the first two companies are too honest, although there is a table flipping behavior, but in the end it is still within a rule, in fact, it is quite exquisite.

will even care about the thoughts of grassroots employees or something, and will rectify one or two after each time he takes office.

Although this time is no exception, I don't bother to take care of the extra things. ”

After a pause, Ning Yan said again: "Although I also know that after taking over the Ning Affairs Management Office, personnel issues will be the most important issue, but so what, I don't want to follow the route set for me by my grandfather." ”

After listening to what Ning Yan said, Yan Zhi was silent for a moment before speaking: "It makes sense." ”

"It's just that we can't understand what Grandpa Ning's purpose is for doing this, let you take over so quickly, think about it......"

"It's strange that it's distressing. ”

The one who understands Ning Yan the most is Yan Zhi, and the one who feels most sorry for Ning Yan is naturally Yan Zhi.

Of course, she knew that Ning Yan didn't really want such a life.

Because nothing is known.

also knew that Ning Yan didn't want to be arranged in life.

I also know that Ning Yan doesn't want a life that can be seen at a glance - who wants it.

She knew that what Ning Yan wanted was to slowly achieve a life of corresponding wealth freedom through her own efforts.

For example, this year, when I left my old company, my salary increased significantly, I gradually paid off my debts, and I slowly adapted to life in a big city.

Save some money to build a small house in your hometown, maybe buy a scooter.

When you feel that it is appropriate, jump out of the salary circle and engage in a more interesting part-time job.

Don't want to be rich and rich.

There will always be constant waves in life.

"Tut~" Ning Yan was surprised, "You are a billionaire second-generation who feels sorry for me and a giant billionaire third-generation, which is also a bit interesting." ”

Yan Zhi smiled slightly: "Who needs to be distressed, who knows." ”

"Then why don't you feel sorry for yourself?" Ning Yan asked with a smile.

"Speaking of which, your life is not arranged, you don't know where your home is, it seems that everything is the result of your own choice, but in fact, every step is arranged. ”

"The point is that I have to be my secretary in the end. ”

Hearing this, Yan Zhi rolled her eyes: "I'm willing, can you manage it!"

“......”

Nothing was said all night.

In the early morning of the next day, Ning Yan woke up first, and the warm fragrant nephrite in his arms was still in his arms.

Obviously, there are two quilts, and if you squeeze them in the middle, you can at least sleep, and the next morning, Yan Zhi slept in Ning Yan's quilt.

It's just that Ning Yan didn't move, this is outrageous!

"Forget it, once raw and twice cooked. Ning Yan muttered.

Pull Yan Zhi away, get up to wash, and stretch your body.

Start your day.

The little girl standing guard at the door prepared some common newspapers, and Ning Yan sat in the living room and read them.

This higher level of butler service generally does not exist in any star hotel.

Ning Yan was inexplicably accustomed to it.

And don't be afraid to listen to the corner.

While waiting for Yan Zhi to dress up, Ning Yan hastily finished reading the newspaper.

Interestingly, the discussion about the closure of small loans by Tianyou Bank only surfaced on the Internet the night before yesterday, and today a heavyweight official morning newspaper devoted an entire page to reporting it.

and accompanied by commentator articles.

Ning Yan looked at the newspaper and said, "Secretary Yan, are the interests in small online loans so terrifying? The official print media has never published news casually, but today the morning newspaper actually used the entire page, as well as commentators' articles.

The wind is not quite right. ”

Yan Zhi, who was still dressing up, replied: "It's normal, the penetration rate of small consumer online loans is too high;

It is not only banks, Internet banks, and financial institutions that involve this industry, but also many high-level official institutions that have launched small personal consumption online loans.

The benefits in it are unknown.

Similar to Ma Jack and Ma Ping, the Internet financial institutions under these companies have annual net profits of billions at every turn, think about it, how can the wind direction be normal. ”

Ning Yan: "......"

I was speechless. ”

"It seems that I really stabbed the hornet's nest this time, and I don't know if Tianyou, a small family, can leave some scum under such a big wave. ”

Yan Zhi smiled: "Ning Xing, you think too far away, no matter how excessive the situation is, this possibility will not appear during your tenure." ”

"You have to know that as long as it is an approved bank, it is very troublesome to go bankrupt in China. ”

"It takes countless processes to finally go bankrupt and go bankrupt, if it were a few years ago, it would have been impossible to go bankrupt!"

Ning Yan had a brief understanding, and said casually: "Who knows, if the Ning Affairs Management Office behind it does not interfere, I believe that according to the current trend of public opinion, and what I will do;

Someone will find a way to speed up the process. ”

"But no amount of time can be faster than I can leave office. ”

This is still guaranteed.

Tianyou Bank's book assets are very considerable.

It's just that the bank has always been unable to calculate the general ledger, and the result is extreme.

Because......

Based on China's population base, most banks are 100% bankrupt if they count this.

............

Although today is only the third day of Ning Yan's arrival in Wushi, it is already Thursday.

After yesterday's fire, Tianyou Bank is calm on the surface, but turbulent on the inside.

Needless to say, Ning Yan could naturally see it, but he didn't have the heart to deal with it.

If it weren't for the bank's failure to collapse quickly, to be honest, Ning Yan would have wished it had collapsed today.

Complete the task and start the next round as soon as possible.

Ning Yan just wanted to delay the time to take over the Ning Affairs Management Office, as well as to see more new things.

It's as simple as that.

Mornings have always passed quickly, and it's time to eat in the blink of an eye.

Ning Yan, who has been sitting in the office and has nothing to do since becoming the CEO, is also tired of playing games, so he finds a pen and paper to write and draw.

It is mainly the next response to the mixed public opinion of online and offline.

Ning Yan's core idea is very simple, just one point:

Flip the fucking table.

It doesn't matter how many billions of his annual net profit is!

After lunch, Secretary Yan took a break as usual, and started his lunch break at his desk.

Ning Yan stood in front of the lunch break bed as usual and looked at it condescendingly, and suddenly said, "Huh...... It occurred to me that you haven't worn high heels in a long time?"

"I didn't even see you in the hotel shoe closet with high heels. ”

"Didn't you like to wear those stilettos before?"

Yan Zhi, who was wearing an eye patch, pouted: "It looks good in high heels, but my feet are tired, so I'm too lazy to wear them." ”

"Also, I haven't worn high heels since August, and you only found out today, it's amazing. ”

Ning Yan: "......"

"Well, take a good lunch break. ”

He had just noticed Yan Zhi wearing small flat leather shoes, and then he remembered that this kind of scene was very common, and it seemed that he hadn't seen those good-looking high heels for a long time.

I thought it was just an ordinary afternoon.

Ning Yan didn't plan to scroll through Weibo, forcing it or something-too lazy to read a bunch of noisy things about small online loans.

sat on the boss's chair and played with his mobile phone, swiping Douyin to see the dancing lady.

Headphones, of course.

Unexpectedly, the office suddenly ushered in an uninvited guest.

Before the people arrived, the incense had arrived.

Ning Yan's nose fluttered unnaturally, and he muttered in his heart, "It smells good." ’

Not every woman is like Yan Zhi, and only a few times will she dress up carefully.

Ordinary grooming is simple operations such as washing your face, combing your hair, and tying your hair, and you don't even do skin care.

Plain face still kills many people in seconds.

The name Yan Zhi is really not covered.

With the knock on the door, it was a beautiful royal sister voice: "Ning Xing." ”

Ning Yan coughed lightly and said, "Wait a minute." ”

“......”

After helping Yan Zhi clean up the lunch bed, he said, "Please come in." ”

The woman pushed the door and walked in: "Hello Ning Xing, yesterday we Wang always had an appointment with you, I am a partner shareholder of Jinyuan Real Estate, my name is An Lila." ”

As she spoke, the woman held out her hand.

Ning Yan smiled and put down softly: "Hello Ms. An." ”

He gestured, "Please be seated." ”

After taking their seats, Yan Zhi brought tea and then took the initiative to leave the office.

Only then did Ning Yan have time to look at this woman named An Lila.

In October, it is no longer hot in Wushi.

An Lila wore white denim cropped pants with a small off-the-shoulder dress with black lace trim on her upper body, revealing a line of belly button.

Tall and slim.

Crystal stiletto heels on his feet.

Even when sitting on a sofa chair, it looks like it has slender legs and an attractive posture.

Because Ning Yan, who used to be poor and knew a lot of things, after glancing at An Lila's feet, the first thought that popped up in his head was:

This leg is really the perfect cannon mount.

In other words, Angela's body is very well proportioned.

Although I can't tell how old I am, I guess I should be less than thirty.

An Lila took the initiative to speak, and her voice was gentle: "When we meet for the first time, please take care of Ning Xing, replace the wine with tea, and toast Ning Xing with a cup." ”

Ning Yan also picked up the teacup: "Be polite, take care of each other." ”

"I think Ms. An should have heard that Tianyou's affairs have been busy recently, so it can be said that she is in a hurry, so you might as well say anything directly. ”

An Lila's eyebrows jumped, pretending to drink tea, the thoughts in her mind were spinning, and she said unhurriedly: "Since Ning Xing said so, dare not obey his fate." ”

After a pause, An Lila smiled and said, "If there is something wrong, please don't blame it;

I don't know if Ningxing has any doubts about our company's credit qualifications, our company's normal loan approval at the beginning of last month has not yet come down, and I heard that Ningxing is stuck here. ”

"Don't hide it from Ms. An, this loan can't be put down for the time being, Jinyuan Real Estate is a big customer of our bank, and it should be given priority, but the loan amount applied for this time is a bit high, just in time for the link where our bank is rectifying its business......"

Speaking of this, Ning Yan paused slightly and spread his hands, "Therefore, I can't take out so much money on the books." ”

"Even if you can take it out, you can't borrow this money, the amount is too high, especially the operation of Jinyuan Real Estate......"

"You know what I mean, right?"

An Lila was silent, first she judged that Ning Yan was telling the truth, and Tianyou didn't have so much money on her account.

Secondly, Ning Yan specially added the latter sentence, and his attitude was very clear.

So this matter is very tricky, and after a while, An Lila apologized: "I'm sorry, I want to call my partner Mr. Wang, I don't know if it's okay?"

"Please. Ning Yan made a gesture.

An Lila got up apologetically and left the office to make a call.

Ning Yan watched An Lila leave.

Picking up the teacup and taking a sip of tea, he was telling the truth.

This time, Jinyuan Real Estate applied for a loan of 800 million yuan.

Not counting this time, the total amount of loans applied for and outstanding is as high as 2.5 billion yuan.

This is actually beyond the normal limit.

At least it exceeds the normal threshold that Tianyou Bank should approve and put down.

And now, because Tianyou, under Ning Yan's arrangement, stopped small online loans, comprehensively cleaned up the business, and took the initiative to lock in some funds, it is true that there is not so much 800 million on the books.

After all......

Tianyou Bank is a local commercial bank with assets of only 800 million.

claimed to be in charge of tens of billions, but in fact became insolvent.

Therefore, Ning Yan actually only needs to operate normally, and as soon as the relevant financial reports are clarified and reported, his task is completed.

It's just that Ning Yan chose another path, he wanted to smash a plate and play......

didn't wait for An Lila, who came to finish the call, Yan Zhi came first.

As soon as he entered the door, he changed his face: "You shouldn't approve the loan of Jinyuan Real Estate, you are not a good person at first glance." ”

"Deliberately with such a seductive perfume. ”

"One look at it will have something for you. ”

Hearing this, Ning Yan was happy: "The person hasn't left yet, so you're talking bad about people behind your back." ”

"But you're right, Jinyuan Real Estate sent her, there must be a plan, there was a little bit of inadvertent small movements when shaking hands with me, and her eyes were well hidden. ”

"Have you checked the information of Jinyuan Real Estate, was she a partner before?"

Yan Zhi replied with a deep groan: "This kind of company has partners in the open and in the dark, and it is not excluded that they are really partners;

However, it was not this woman who came to Tianyou to ask Zhang Jiandra for a loan before, although she was also a woman, she was not a partner, she was an executive. ”

Ning Yan sighed: "The financial industry is inseparable from beautiful women. ”

"Especially when it comes to real estate. ”

"This woman gives me the feeling that Jinyuan Real Estate is a superficial favorite. ”

After a pause, Ning Yan explained: "Men look at women differently, and since she appeared in front of me, it was a seductive state of royal sister;

The proportions of the body are just right, and I estimate that the high heels are custom-made, and the height has been adjusted, so that her whole person looks particularly good. ”

Yan Zhi frowned: "I really didn't pay attention to this, I just felt that she was a little deliberately seductive." ”

"Forget it, don't talk about this, I won't approve the money from Jinyuan Real Estate. Ning Yan made a gesture to stop the topic.

"Don't go out for a while, I guess you have to come to the formal business. ”

Yan Zhi nodded.

After Ning Yan finished drinking a cup of tea, An Lila walked in again.

"I'm really sorry, let Ning Xing wait for a long time. ”

"I exchanged views with Mr. Wang and other partners of the company, since Ning Xing is clear about the situation of Jinyuan Real Estate, compared to Ning Xing, we also know our bottom line. ”

"Can Tianyou come up with a loan with this bottom line?"

Ning Yan made a gesture: "Let my secretary answer." ”

Yan Zhi replied with a glance: "Hello Ms. An, I am the secretary of Ning Bank, regarding the bottom-line loan of Jinyuan Real Estate, there is still a gap of more than 10 million yuan on Tianyou's books, but this difference is capable of not affecting the business to make up." ”

"However, the results of our bank's investigation of your company show that your company is not only unable to repay the loan this time, but also may not be able to repay the original loan of 2.5 billion. ”

After Yan Zhi's words fell, Ning Yan spread out his hand and said in a calm tone: "So, Ms. An, if your company can't give me confidence, I think I really can't approve this paragraph." ”

"Regarding this, I and our President Wang have expected it for a long time. Lila said confidently.

"The purpose of our company's loan is also clear to Ning Xing, and I believe that this purpose is enough to give Ning Xing confidence. ”

"It's really not good, and Mr. Wang's brother can give it. ”

Ning Yan shook his head: "If there are only these, it won't give me confidence;

Remind Ms. An, you have a misunderstanding with me, in your company's matter this time, Mr. Wang's brother can't help anything, I don't believe you can contact you now. ”

"Ms. An, I am a direct person, if Jinyuan Real Estate only has such strength, I will collect debts in the next minute. ”

An Lila was stunned, she moved out of her biggest backer, and was beaten back so lightly?

"Sorry, I need to call again. ”

"Please. ”

This time it didn't take long, and An Lila came back soon: "Ning Xing, if our company mortgages the Jade Manor that is currently being pre-sold to Tianyou, can you approve the loan of 500 million?"

Again, I need to repay my faith. Ning Yan said in a calm tone.

Jinyuan Real Estate actually has strength, and there are many backers behind it.

So the collateral of the previous 800 million loan was not exactly equal.

Now it is a pre-sale real estate, and the rough calculation of the selling price of this real estate is 72 million per building, a total of 15 buildings.

More than 1 billion, but the pre-sale is more than 10%, that is, it is about 800 million at present.

But the problem is that there is only a mortgage.

The money that has been sold and not returned to the bank will only become less and less valuable as time goes on.

Therefore, adding one piece is considered to be of equal value.

That's why Ning Yan said that.

An Lila said seriously, "I think plot #1024 should be enough. ”

Ning Yan thought for a while and said, "I can't rush such a large sum of money, I want to talk to you Mr. Wang in person." ”

"I think you know what I mean. ”

Angela: "......"

This time she was really stunned.

Even if you don't mention your identity as a partner of Jinyuan Real Estate.

Isn't it good to talk to yourself?

Is it because you are no longer attractive?

Don't want to have a long talk with yourself?

Maybe it's the secretary's reason?

Lila thought.

A thought flashed through my mind, this secretary is really beautiful.

At this time, Yan Zhi suddenly left the office.

An Lila stood up and smiled slightly: "Ning Xing, in fact, I think we can talk." ”

"What do you say?"

"What guarantee can you give me?" Ning Yan said after a long time.

An Lila laughed, full of temptation: "I can give you an office, a bedroom, a kitchen, a living room, a sofa, a balcony, all new." ”

"Including me. ”

As she said this, Angela's finger rested on her lips.

Ning Yan smiled: "Ms. An, I'll tell you the truth, I can't be interested in you." ”

"Let you Mr. Wang come, if you really need a loan, or if you want me to collect the debt now. ”

Angela: "......"

She was disappointed.

I was also very disappointed and left.

She even had doubts that her hints were not in place.

But in the end, it was dejected.

The real reason is that it is not in place.

"Didn't leave anything behind?"

Yan Zhi walked in at the right time, changed the air conditioner to ventilation mode, and went to open the window again.

"A room full of commotion. ”

Ning Yan looked at Yan Zhi busy and said, "Okay, you're a little jealous here, aren't you the most happy to see this kind of thing happen?"

"The matter of eleven Luo Ye has just passed. ”

Yan Zhi snorted: "It's different, I don't like this An Lila." ”

"Why?" Ning Yan was puzzled.

Yan Zhi glanced at Ning Yan and muttered, "Because it's actually the type you like." ”

Ning Yan didn't hear clearly.

When asked again, Yan Zhi didn't say anything.

So Ning Yan teased his secretary: "I'm as you want this time, tell me, how to compensate me." ”

As he spoke, Ning Yan laughed evilly and looked Yan Zhi up and down.

"Why don't I take it off first?" Yan Zhi said very directly.

Ning Yan: "......"

It's the feeling of being fucked if you don't succeed in flirting.

............

However, this Thursday, something more unexpected than Jinyuan Real Estate sending a female partner to do some lace is:

The public opinion on the Internet about Tianyou Bank's closure of small loans has reached a peak.

The cause was the newspaper that Ning Yan saw in the morning.

It's almost all washed upside down.

"How convenient an online loan is, and how can you survive without this?"

"This society is already very depressing, don't break the last bit of dreams. ”

"I understand everything, it's just that the interests are enough, so I want to get out of the position......"

“......”

Ning Yan believes that no one with the ability to think independently can make such remarks.

How much black money do you have to collect to make such a brain-dead post.

How much water has to be in to be like this?

Thereupon.

Early on the morning of Friday 11th, Ning Yan asked Yan Zhi to make a third public statement.

This......

Ning Yan threw the money.

After a tug-of-war, it took a day for Tianyou Bank's corporate statement to spread all over the network.

"In response to the recent online violence, our bank normally shut down the micro-loan business:"

"1. Tianyou Bank took the initiative to shut down the small consumer online loan according to the relevant business adjustments, and gave the user who has the ability to repay the online loan in advance a preferential treatment of up to the interest paid before;

2. In response to the recent remarks made by some users in the public cyberspace, our bank will investigate to the end;

3. In response to various questions, our reply is as follows:

There are many benefits of small consumer online loans, such as no face-to-face signing, solving urgent needs, solving difficulties, avoiding unspeakable problems, high amount, and fast payment;

However, there are many disadvantages of small consumer online loans;

First of all, our bank achieved a 60% increase in quarterly net profit through hairstyle promotion of small consumer online loans.

The interest rate of regular small-amount consumer online loans is 1.5% per month and 18% per annum.

It's just a normal loss.

The additional disadvantages are:

1. Relying on online loans and developing a bad habit of early consumption will cause serious overdrafts in life, which can only be made up by demolishing the east wall and making up the west wall;

2. Since then, he has become a slave of online loans.

3. There is no habit of saving money;

4. Credit risk: too many online loans will affect normal credit reporting, even if there is no overdue, and the credit record can only be replaced in five years;

5. Overdue risk, the borrower will always think that the income of the next period is higher than the current stage, but in fact, the loan interest will cover this part of the growth, and the annual salary adjustment of most enterprises will fluctuate between 5% ~ 20%, and once the habit of early consumption is formed, it will only fall into a dead cycle;

6. The risk of debt collection after overdue.

This will cover almost all the benefits of small online loans, such as no face-to-face signing, no difficulty in speaking, etc.;

Everything you have is crushed on this level.

Without exception, debt collection will entrust a third-party agency, which is generally based on violence and intimidation, and this is only the first round of debt collection;

The second round is the violent overlay of the address book, which is what you call unspeakable, all of which are made public;

The third round is on the list of old men;

The fourth round of door-to-door service;

Third-party debt collection agencies are very professional and exist to disgust people.

As time goes by, the borrower will find that the next payment is fast, the collection is faster, and the kind that costs people's lives will disturb you all day, plus penalty interest, you will find that you can't pay it off anyway;

As a result, online loans become your dilemma.

The more you spend in advance, the more you can't save money, and what can you do in the end?

The more formal the online lending institution, the less likely it will be to go bankrupt, and the more profitable it will be.

Why bother yourself?

Persuade the gentleman to stop, Mo Duo thought.

I advise you that it is impossible for a person to easily get what he does not have, including money.

It's not that hard to admit that you're ordinary. ”

"For more insider information, you can find out on the Internet, and I believe that you will understand what kind of false prosperity you have fallen into. ”

This long article, because Ning Yan spent a lot of money, quickly spread all over the Internet.

One by one, it pierced into the hearts of many people.

Because relevant survey reports show that in 2019, the per capita consumer debt of the post-90s generation was 90,000, and many people are facing considerable difficulties.

And the relevant insider revelations are like lighting a fire.

swept the entire cyberspace.

Completely peel off the skin on the small online loan.

Everyone saw the erosive, disgusting reality underneath.

When borrowing money, they all thought that they had enough ability, but in the end they found that they had no power to return to heaven at all.

What's more, the ultimate solution is to speak to friends and family.

And a lot of borrowing is interest-free.

Compared to earning 100 yuan to earn 18 yuan for online lending institutions, most people understand what the hell they are.

One stone stirs up a thousand waves.

This directly attacks the bottom line of the relevant institutions.

Thereupon......

Early the next Saturday morning, although there were still make-up shifts according to the statutory holidays, Tianyou Bank was besieged.

Countless people who do not know the truth have been instigated.

Cyberspace has also adopted a mass lockdown attitude.

In just half a day, Tianyou Bank suddenly became crumbling.

And this time.

Many people find that things get out of hand.

Because......

Nothing has been lost as imagined.

When the clock points to seven o'clock in the evening.

And so something happened.

"You really want to smash the plate!" Although Yan Zhi was the executor, she was also stunned when she looked at this movement.

Ning Yan waved his hand: "It doesn't matter, it's just a bank, it's difficult to fail, not to mention that I can leave with a pat on my ass." ”

"Moreover, didn't the Ning Affairs Management Office come out to wipe your ass?"

“......”

Yes, the Ning Office is bubbling.

Although there are voices on the Internet that support Tianyou Bank and even support Ning Yan himself.

Among them are Wang Si and others.

But they were all drowned in the tide of public opinion.

However......

The Ning Affairs Management Office moved slightly, and the news went straight to the sky.

It's on the seven o'clock gear.

At 8 o'clock in the evening, Ning Yan received a call from Wu Wei.

"Mr. Xiao Ning, Ma Jack and Ma Ping have called to ask for your opinion, when can they stop. ”

Ning Yan said casually: "I myself have already stopped. ”

"But I really can't rule out seeing those brainless remarks on the Internet that obviously collect black money, and I won't be angry anymore. ”

Wu worried: "I know. ”

“......”

And so it ended.

Because on Saturday of the same day, the People's Bank of China issued a document in the middle of the night that it would seriously rectify the small online loan market and attach importance to the demands of citizens.

At the same time, the personal consumption loan grade is directly downgraded, and the maximum total amount of consumer loans that an individual can apply for cannot exceed 200,000.

We will work with commercial banks to introduce effective measures.

It may consider completely cancelling online loans for personal consumption.

Tianyou Bank survived the storm.

But the business has basically shrunk and gone, because big and small customers don't dare to put their money in a bank that is under siege at any time.

Even Jinyuan Real Estate, which previously wanted to obtain loans through various means, gave up this appeal.

So who is the winner in this matter?

You must know that Ma Jack, Ma Pingren and others have made their voices through different channels.

You must know that the People's Bank of China changed the rules overnight, and personal consumption online loans were rapidly downgraded.

You know, a lot of people have canceled their accounts.

To know......

Ning Yan is the loser, Tianyou Bank has also lost credibility, and the business of all related institutions has been forced to shrink, and the profits have to be sold off at least 9 into 9.

In particular, some syndicated lending institutions have been directly banned.

Many ordinary people don't have a consumer loan line, and it's no longer easy to spend in advance.

There is no longer a way to borrow money that is difficult to talk about.

No more......

It looks as if everyone is losing.

In fact, all young people are winners.

Because of the early consumption publicity, it was destroyed in disguise, and the online loan was gone, so it was just a matter of traveling lightly.

Therefore, Ning Yan still relied on his own strength to change many things after all.

............

It's just that Ning Yan has also changed himself.

Saturday Oct. 12, 8pm.

Most things haven't settled yet.

Wu Wei came to the VIP building of the guest house.

"Mr. Xiao Ning, Mr. Ning asked me to inform you that your adaptation project at this stage is all over. ”

"But this time I can only give you a day off. ”

"At eight o'clock in the morning the day after tomorrow, the plane took off at Wushi Airport. ”

Ning Yan: "?"

Wu Wei said helplessly: "Your business movement this time is too big, and there is no way to arrange a suitable enterprise for you to take over, so you can only be forced to end this stage of adaptation." ”

"So, an extra phase of acclimatization will be added to you, but it's simpler, just one day. ”

Ning Yan: "?"

"In other words, I'm going to take over the Ning Office in a few days?"

"Even if there is an accident, it will be like this. Wu Wei replied seriously.

This is what Ning Yan changed by himself.

Because it was unable to arrange the operation of the remaining six enterprises, the mall was forced to close.

And because the adaptation at this stage is incomplete, Ning Wanqiang decided to add a new adaptation that is as simple as only one day.

If the time is calculated from the day after tomorrow, then it is possible to take over the Ning Office as early as the evening of October 14.

Ning Yan, who quickly clarified the matter, shouted: "What a sin!"

I wanted to extend the time to take over the Ning Office of Administrators.

It turned out well.

Straight ahead of time.

Fortunately, Ning Yan got angry with Wang Si in advance and canceled the weekend's party.

However, after getting these things from Wu Wei's mouth, Ning Yan made another round of calls and went out.

Almost all the people who have deep intersections are covered.

Including Tan Yuqiu, who was far away in the capital, including Li Yu, who had not been in contact with them for a long time, and even Luo Ye.

Ning Yan was making a farewell.

Ning Yan decided that on the last and freest day, he would cut off any contact with the outside world.

Including Yan Zhi should also be cut off.

............

On the evening of October 12, after Ning Yan contacted all the friends who had crossed paths by phone, he asked Yan Zhi to change her residence overnight.

Stayed in a family suite in a local aparthotel, the kind with kitchenware.

The condition is not bad, exaggerated, can be benchmarked against four stars, mainly because the decoration is very new.

"Xiao Yanzhi, from now until the morning after tomorrow, you have to stay in this small suite with me and can't contact the outside world, I am responsible for cooking. ”

Yan Zhi nodded happily: "I'm fine." ”

"I don't have a problem with whatever you want, I'll cooperate. ”

"Extra, I also suggest that there are some things you can try and it will be better. ”

After a pause, Yan Zhi looked at Ning Yan and added in a serious tone: "Otherwise, there should not be such a good opportunity in the future." ”

Ning Yan: "???"

"Let me think about it. ”

"It seems like you started hinting at me this and that in July and August. ”

"After entering September and October, it became explicit, and now it is more direct......"

Yan Zhi interrupted Ning Yan's persecution of Lai Lai: "For as long as I can remember, your name has been written in my bones. ”

"So...... Isn't that something to be taken for granted?"

Ning Yan: "Don't force me, if you force this kind of thing, I can still do it!"

"Try it?" Yan Zhi said defiantly without showing weakness.

“......”

Ning Yan still asked a lot why.

Yan Zhi's answer was very casual.

Don't spend your own money.

If you want to be your wife, you don't want to, even if you only pursue love for one night.

You don't want it to be delivered to your door.

You don't want to take the initiative yet.

Exchange of benefits is unnecessary.

You don't want it even if it's arranged for you.

I don't have the desire to fall in love yet.

There is no hope for the future.

So I thought about it for months, you want me.

After all, no one knows you as well as I do, you look beautiful, your body proportions are good, you have also slept with you, warm nephrite, in fact, I am in good shape, D oh.

You also know what you want~

Anyway, these indifferent words persuaded Ning Yan.

Ning Yan thought that he might have been reluctant to seek the near and far.

Anyway, the big deal is to get married, if this person is Yan Zhi, it seems to be fine.

So, Ning Yan said shamelessly: "Anyway, it's normal to have nothing to do." ”

"It's a big deal that we get married, I occasionally go out to steal a fragrance and steal a jade, you help put a whistle, perfect match." ”

"But I have to tell you first, when you get married, you have to give me a daughter, and if you don't give birth, you have to give birth to menopause!"

Yan Zhile said: "You are going to do it in one step?"

"It's okay, anyway, I grew up with you, got to know you for you, became your secretary, and I never thought that there would be other men in my life. ”

“......”

"Although I know, I can't give you a sense of conquest, the old lady takes the initiative, so the old lady has to be on it. ”

"Ah, this. ”

"I've got to come~"

"Be slow. ”

"Shake, shake, shake to Grandma's Bridge. ”

“......”

"Not really?"

"Not for the first time!"

"Coax the ghost!"

"Not really. ”

"Is there anything I don't know?"

Ning Yan was stunned, and then said: "In this way, you call my grandfather and say that we are going to get married, and arrange it as soon as possible, anyway, we are already going to take over, and we have to have a little Yan Zhi in life." ”

"Okay, but I'll only call Grandpa Ning, as you said, you won't have to contact the outside world until the morning after tomorrow. Yan Zhi thought for a while and said.

After a while, Yan Zhi finished calling outside, and came back to Ning Yan and said, "I know you're curious, but I won't tell you now;

I'll have to wait until the day before we get married, and I'll tell you that the villain can get ahead of you, okay?"

"Good. ”

Ning Yan found himself surprisingly calm.

Maybe now as holy as a Buddha?

Or is it because of this person Yan Zhi, how can she understand her?

In short, Ning Yan, who forced Lai Lai to have no desire to fall in love a few days ago, got married simply and hastily.

With Yan Zhi, there is no need to fall in love.

Because people are always there.

It's just that Ning Yan can't tell whether it's love or other feelings.

Yan Zhi said something interesting.

"You don't care what you do so much, if you have to share a feeling, it is definitely love, after all, since I went to college, you have been my little licking dog, and you will respond to your needs. ”

Ning Yan: "I step on the horse ......"

"Come here, come up!"

"Which duck to use~"

"Tsk~"