In Wushi, the Gulfstream G650 landed slowly.

The small civil airport is deserted.

It can be said that there is no terminal.

The plane, led by a tractor, stopped in front of a building that was barely tall enough to be called a terminal.

Ning Yan walked out of the plane door under the gift of the flight attendant lady, and saw the airport a few meters away at a glance.

It's just a wall that doesn't stand tall.

Ning Yan got off the ramp and asked casually, "Secretary Yan, are there any civil aviation flights at this airport?"

"Yes, there are a couple of flights a week. Yan Zhi seemed to have known that Ning Yan would ask this question, and she answered quickly.

Because it is a small airport, it is more convenient to arrange.

A Mercedes S600 was waiting below in advance.

After Ning Yan and Yan Zhi got into the car, Mercedes-Benz quickly galloped away from the airport.

Wu Wei has his own arrangements and never needs to worry about it.

Follow the highway straight into the city.

As always, Ning Yan's arrival will hardly be informed in advance by the companies that are going to take over.

When the Mercedes-Benz S600 was parked in front of the headquarters building of Tianyou Commercial Bank in the downtown financial district, the management of Tianyou Commercial Bank had just been notified of the news.

"Hurry up, tell the truth!"

"The new president is here today!"

"Cheer up everyone below. ”

“……”

Some people were in a hurry, others were indifferent, and even chatted about gossip.

"You said that there was a sudden change of president at this time, is there something wrong?"

"Don't you know that this time it's a very young man. ”

"What do you mean?"

"Let's take over. ”

“……”

Whether it's in a hurry, or indifferent to gossip.

It didn't affect Ning Yan to walk into the bank lobby calmly-

The lobby on the first floor of the headquarters building of Tianyou Bank is the business hall.

The building is not high, only 9 floors.

The office area can be accessed from the inside of the lobby.

It's already business hours, and there are very few customers waiting.

First, it is the era of electronic payments.

Second, Tianyou is only a local commercial bank.

The lobby manager was not lazy at all, and when he saw Ning Yan and Yan Zhi walking in, he immediately greeted politely.

"Ma'am, sir, how can I help you?"

Ning Yan didn't squeak, Yan Zhi smiled politely: "No, thank you." ”

At the same time, a large number of people came out from the inside.

It didn't take much to tell that the leading vice president could tell that the young man standing calmly in the lobby was the new president he was going to greet.

At the first glance of Ning Yan, the vice president immediately reacted.

He shouted with a smile and politeness.

"Welcome to Ning Xing!"

"Welcome to Ning Xing!"

“……”

The sound of neatness resounded throughout the lobby.

It was not the first time for Ning Yan, who had experienced this kind of scene, nodded slightly.

"Ning Xing, please here. ”

The vice president made a gesture of please, and his tone was polite and authentic.

Ning Yan hummed.

As if they had been trained, the group walked together to the inner office area.

When the crowd walked by, the lobby suddenly burst into an uproar.

The staff were amazed.

"This is the new president, so young?"

"My god, I thought it was a big customer, no wonder the aura is so strong!"

"Don't you think the new president is handsome?"

"Ah, I think so too, I'm going to fall, he's seen me!"

"Muh!"

“……”

The few guests were also surprised.

"Is it the new president of Tianyou?"

"How could you change to such a young one?"

"That girl is so beautiful, I seem to be in love......"

“……”

…………

Under the guidance of the vice president of Tianyou Bank, Ning Yan and Yan Zhi arrived at the ninth floor of Tianyou Bank.

The vice president smiled and said, "Ning Xing, knowing the news of your arrival, I have already summoned all the senior management to wait for you in the first conference room." ”

"You see if you meet everyone first to say hello or go to the conference room first. ”

“……”

Ning Yan's eyes swept around, and said, "I'm new here, and I'm not familiar with the situation yet, so I don't need to hold meetings and meet for the time being." ”

Looking at the vice president: "You notify me that all loans related to the enterprise will be suspended, and they will be handed over to Secretary Yan first;

Consolidated the scale of deposits absorbed so far in FY2019.

Sort out the status of all outstanding loans that have been disbursed and submit them to the President's Office as soon as possible. ”

When the vice president heard this, he hurriedly said, "Okay, Ning Xing." ”

Then he said, "Ning Xing, your office is here." ”

Ning Yan nodded slightly.

Soon to the office.

Although I said a bunch of things in one breath just now, it was only a preliminary arrangement.

It is nothing more than an understanding of the two main businesses of the bank, the absorption of deposits and the issuance of loans.

After all, no matter what kind of decision Ning Yan has to make to reduce the net profit of Tianyou Bank by 60 million this month, he must understand these two businesses.

We also have to find a way to make a fuss about these two businesses.

And you can't flip the table.

Stopping a loan does not mean that the loan will not be granted.

It is even more impossible to stop deposits.

Ning Yan's current simple idea is to clean up the bank's assets first, and there may be unexpected gains.

Although the Ning Affair Management Office has a summary statistical report, it may even be cross-reviewed.

But as long as it is something that people can participate in, it can also be greasy, after all, the Ning Affairs Management Office looks like a giant, and it may become more and more lofty over time, and it will not be so careful A small business that is not more than a billion.

“……”

Sitting on the brand-new boss chair, looking at the empty table, Ning Yan looked at Yan Zhi.

"Secretary Yan, let's talk about the data of Tianyou Bank. ”

He didn't bother to remember that.

After all, he would rather always have someone with a secretary.

Yan Zhi glanced at Ning Yan, took out the pad unhurriedly, and reported.

"Tianyou Bank has a total of 9 branches in Wushi, with an additional 19 ATM points, and the business has spread to the next city, with one branch and 2 branches in the next city, and no additional ATM points;

Overall, the impact is very limited.

However, due to the large amount of deposits absorbed and managed, in the previous development process, at the request of local governments, there were many support for local industrial and commercial development. ”

“……”

"The biggest customer is a local real estate company, and Tianyou provides the most favorable commercial loan interest rate to the buyers of the real estate company, and the real estate company puts the basic account in Tianyou. ”

“……”

"According to the known information, because the business is running very well, it is thriving. ”

In the end, Yan Zhi concluded: "This time it is a big problem. ”

Ning Yan nodded in agreement.

"Please ask your secretary team to conduct a comprehensive sorting and accounting of the information submitted, I want to know the most real situation of Tianyou, especially the situation of major customers. ”

Yan Zhi responded: "Then I'll go and get busy first." ”

"Okay. ”

“……”

As Yan Zhi said, although Tianyou is a small bank, it cannot be compared with a big bank at all, and no one may know about it when it comes out of Wushi.

But this plate is not small either.

Judging by the current data, the assets are quite good.

It doesn't matter, what the predecessor left behind is a thriving one.

Loan recovery is comfortable.

Following the wave of small loans, according to the issuance scale of ABS financing, the original capital of 300 million yuan was directly enlarged to 9 billion yuan.

This wave of small loans made Tianyou earn a lot of money.

Although it is far less than that of large financial institutions such as borrowing, it can easily use less than 10 billion capital to scale up to 200 billion or 300 billion yuan, but Tianyou has not invested much.

30x leverage, which is already very comfortable.

Just flipping through these reports, which have simplified the professional terms, Ning Yan felt a headache.

"It's hard!"

“……”

…………

On the day he became the president of Tianyou Bank, Ning Yan did almost nothing.

There is even the leisure to play chess with the office computer - it can't be helped, the computer is Apple's.

Ning Yan still has this arrangement, before taking office, Secretary Yan, who knew Ning Yan very well, changed all the items in the office in advance.

This little thing was ordered by Yan Zhi, but she didn't need to worry about it.

It was just after 4:58 p.m.

Yan Zhi stood in front of Ning Yan's desk and said with a serious face.

"Mr. Ning, do you want to listen to the report after work, or work overtime to listen to the report, or listen to the report while eating, or ......?"

Ning Yan didn't raise his head, and said deliberately: "I don't listen, I don't listen, Wang Ba recites the scriptures." ”

"Is it~?" Yan Zhi asked in a long voice.

Ning Yan looked up helplessly: "Is there any difference between the choices you gave, can't you listen to it tomorrow?"

"Can't!" Yan Zhi said categorically.

Ning Yan spread his hands helplessly: "Okay, work overtime and listen." ”

"Make it a habit from now on not to take work out of the company. ”

Yan Zhi nodded calmly: "Okay, Mr. Ning." ”

Then without any delay, he said directly: "According to the results of the secretary group:

Tianyou Bank has more bad debts than it seems, especially Tianyou's largest customer, Jinquan Real Estate Co., Ltd. ”

“……”

"The left hand is upside down and the right hand is thriving on the surface, but in fact it is a mess, and there are other problems in it. ”

"There are also all the big customer loans that were stopped today, in fact, if they are issued, it will still be a good thing for you, and the loss task may be completed in minutes, all of which are making up for other people's holes.

Bank deposits are actually very insufficient. ”

“……”

"In addition, it is small loans that make money, because they are small loans issued by banking institutions, and the overdue rate is very low, and they are thriving......"

“……”

Ning Yan pondered slightly, grasping the key point: "Can I stop all small loan approvals?"

"Theoretically, it is possible to shut down a business with some bad debts, which is a normal business practice, because you also stopped the loan approval in question. Yan Zhi replied.

Hearing this, Ning Yan thought about it carefully and said, "From now on, stop issuing small loans." ”

"Gradual repayment of the ABS financing in accordance with the relevant agreements. ”

"The small loans that have been issued shall be carried out in accordance with the original repayment period, and all interest will be waived for the user;

You ask people to draft a letter to the client, the topic is to highlight the dangers of small loans, the traps of early consumption promotion, etc.;

First, suspend the repayment and borrowing services, shut down the maintenance at night, turn off the borrowing services, and remove the interest from the repayment accounting. ”

After a pause, Ning Yan said: "If the customer chooses to repay the loan in a lump sum after the letter of notice to the customer is issued, the preferential rate can be calculated, and the maximum interest recovered before can be calculated."

In this case, from the perspective of business behavior, it is more normal, because I have limited business time, and I need to return the funds as quickly as possible. ”

Yan Zhi responded: "Okay." ”

"What do you say about the big customer loan?"

Ning Yan sighed slightly: "This is an important part of the work in the future, don't worry about this half a day." ”

"It's already too much to work overtime, and now I'm going back to the hotel to eat and rest. ”

Yan Zhi looked at Fang Nian and smiled slightly: "Okay, good, my Lord Ning." ”

“……”

Yan Zhi followed Ning Yan and left the president's office......

…………

Wushi is a small place, although it is very special to have a small airport, but there are no serious five-star hotels.

Of course, there are no serious ones.

The best hotel is 4 stars.

But of course Ning Yan won't go to live in a four-star house.

Because there is a place called the guest house VIP building in Wushi, the conditions are quite good.

"Xiao Yan Zhina, don't you report to me about the accommodation?"

Ning Yan is a beautiful and authentic way.

Mercedes-Benz S600 drove smoothly on the road, and the rear multimedia central control separated Ning Yan from Yan Zhi.

Yan Zhi took out a bottle of water and a water cup from the refrigerator between the two seats, poured half a glass of water and handed it to Ning Yan: "Drink saliva first." ”

"There is nothing to say about the accommodation, all aspects of the conditions are very good, will not be worse than the international five-star luxury suite, in addition to the area, the benchmark is the presidential suite. ”

Ning Yan took a sip of water and said unhurriedly: "But I heard that the room doesn't seem to be enough for Yazi." ”

"As a secretary, isn't it just to have nothing to do?" Yan Zhi asked rhetorically with a natural look.

Ning Yan: "!!"

"it! Secretary Yan! You can't do it!"

Yan Zhi pursed her lips: "Mr. Ning, are you a little too demanding of your secretary?" ”

"No, I don't ask for it now compared to when I was a kid. Ning Yan said casually.

I don't know if it's a small number of drivers.,Anyway, no matter what you hear, it's like you didn't hear it.,The driving technique is smooth.。

Tianyou Bank is also not far from the guest house.

It didn't take long to arrive at the guest house.

Bypass the building in front to the small three-story building in the back.

Small, not big.

The roof of the building is still tiled as in the previous building.

The appearance does not look good.

There is not even underground parking.

There are only 8 parking spaces planned.

The face of the door is not big, and there is no sign.

After the Mercedes-Benz S600 stopped, several people came out of the door, and the first one was a middle-aged woman, with the posture of a middle-aged person.

"Hello Mr. Ning, welcome to Wushi, I am Huang Xiaoling, you can call me Xiao Huang, please inside. ”

The manager of the VIP building of the guest house greeted politely and proportionately.

The other little girls behind her greeted in unison: "Welcome Mr. Ning." ”

Ning Yan nodded slightly: "Sister Huang is good, you are good." ”

“……”

"Do you want to dine now?" asked Huang Xiaoling.

"Hmm. Ning Yan nodded.

"Your side, please. ”

The restaurant is on the first floor, and it is also very small, maybe seventy or eighty square meters, but it is very neat and clean.

Even the carpet was spotless.

But there is no regal taste at all.

It's a very low-key look.

But Ning Yan and Yan Zhi could see at a glance the luxury hidden in the details.

There were five round tables, and there was no one inside.

Huang Xiaoling smiled and said, "Mr. Ning, we don't have a menu here, we will try our best to eat whatever you want." ”

Although the words are not full, the meaning is actually very clear.

Of course, this may be based on Huang Xiaoling's knowledge of Ning Yan's identity, and she doesn't dare to say that it is too full.

"Feel free to make a few Hunan flavor stir-fries, less greasy and less salty. Ning Yan didn't ask for anything, and said simply.

Huang Xiaoling responded: "What kind of tea do you like to drink, I'll make it for you." ”

Yan Zhi interjected and took out a small bag of tea from her briefcase: "We brought tea leaves, trouble Manager Huang." ”

"You're welcome. Huang Xiaoling took it with a smile.

“……”

After a while, tea came up.

Before long, a few plates of delicate stir-fry came up.

When Ning Yan was eating with Yan Zhi, Huang Xiaoling was waiting with another little girl.

Standing in a place that is not very noticeable, but can be responded to in the first place.

Standing etiquette is meticulous.

After a simple dinner, Huang Xiaoling led Ning Yan and Yan Zhi up to the third floor.

On both the second and third floors, there are only three rooms of different sizes.

In other words, there are only six rooms in the building.

As for Ning Yan's previous statement that the reason for the shortage of housing is very simple.

On the one hand, one of the two large rooms on the third floor is reserved and will not be open to the public.

For emergency treatment.

It's not that Ning Yan is not qualified to use this room, in fact, it should be said that the two rooms are not open to the public.

In any case, only one room will be open at the same time.

The remaining small room is not large, and it is usually occupied by accompanying people who live on the third floor.

This is the second reason, the entire building is currently only open to Ning Yan, but Ning Yan has a lot of entourage.

There are a total of four rooms on the second and third floors, all of which are two by two, which is saved by Wu Wei not living here.

For security reasons, the necessity of Wu Wei living here is not high.

"Mr. Ning, this is Xiao Wang, Xiao Li and Xiao Zhao, the three of them take turns to be on duty outside your room 24 hours a day, whether you are in the room or not. ”

After arriving on the third floor, Huang Xiaoling took the initiative to introduce the three people standing at the door.

"You can tell them anything you need. ”

If it was an industry leader, Huang Xiaoling would not introduce this.

Because it's the default unspoken rule.

But Ning Yan is not a leader in the industry, but it is terrifying, Huang Xiaoling was told a thousand times, so she had to be cautious about everything.

Hearing this, Ning Yan looked at the three girls, smiled and nodded: "Okay, trouble Sister Huang." ”

"Mr. Ning, take a look at the room first, tell me what you lack, and change it for you immediately. Huang Xiaoling said again.

How to say it.

The furnishings and furnishings in the room are not at all comparable to the elegance and luxury of the presidential suite.

The overall style is relatively elegant, strictly speaking, partial silk calm.

But.

The attention to detail has surpassed the vast majority of five-star presidential sets.

It's a given.

Ning Yan only glanced at it, and then said with a smile: "No need, it's already good." ”

"I wish Mr. Ning a pleasant stay, goodbye. Huang Xiaoling smiled and left the room at the right time.

After Yan Zhi closed the door, Ning Yan was surprised: "I have seen a lot of things in the past six months, and today I have seen a lot." ”

"It's a pity that people like me who don't learn and don't know how to be directly quoted. ”

"Tsk~ You're really picky, and you're still so verbose when you move in. Yan Zhi couldn't help but say.

Ning Yan smiled: "Secretary Yan is really strict, I'll just complain, you have to say it too!"

"Mine mine. Yan Zhi grinned.

Ning Yan walked from the living room of the suite to the bedroom and looked at it twice: "Secretary Yan, I'm afraid you're going to lay the floor tonight." ”

"How is it possible!" Yan Zhi didn't believe it.

When she reached the bedroom, she realized that there was only one bed, and there was only one bedroom.

"So, when the leader moves in, the secretary lives in a different room?"

"No wonder it's two big and one small. ”

Ning Yan spread his hands: "You ask me, who do I ask, let me state first, I'm not used to sleeping in the same bed with girls." ”

"So, Secretary Yan, you, understand?"

"You think beautifully!" Yan Zhi gritted her teeth and said: "I am also the second generation of tens of billionaires, and it is already very bent to be your secretary, and you still want to lay on the floor, but there is no door!"

"Besides, you're talking nonsense with your eyes open, and you've never slept with me before!

Ning Yan looked at Yan Zhi with an interesting face: "I said are you stupid, how old are you now, you still sleep in the same bed with me, do you really treat me as a saint?"

"If you're brave enough, you'll come. Yan Zhi did not show weakness, "Anyway, you men all think the same." ”

Ning Yan is really not brave enough.

"Okay, okay, anyway, there are two quilts, and the bed is big, it doesn't matter. ”

The bed is really big.

It is at least 2.5 meters wide.

It was very spacious to sleep two people.

After studying the problem of sleeping at night, Ning Yan also cared: "Has the notice of the closure of the small loan been issued?"

"It's been posted, and it has caused a lot of public opinion on the Internet. Yan Zhi replied.

Ning Yan was stunned: "What's the matter?"

As far as Tianyou Bank is a small local commercial bank, the ATM machines add up to only that little, and an announcement can still cause a lot of public opinion?

Ning Affairs Management Intervened?

This was Ning Yan's first reaction.

Yan Zhi explained unhurriedly: "It has something to do with the content of the announcement, you said that you want to guide the early consumption trap, which should affect the interests of many people." ”

"There are people behind the scenes, so now the online public opinion is very scary. ”

"Zhihu, Weibo, short video platforms, portals, self-media, headlines, forums, post bars, stock bars, etc......

Let's just say that no matter how you go online, you can see the relevant news. ”

Ning Yan frowned: "What is the content of the announcement?"

Yan Zhi replied: "It's not complicated, declare the closure of the small loan, and explain the reason."

That's not the point, the point is, a message on the announcement:

According to actual research and research, the per capita consumer loan debt of the post-90s generation is as high as 69,000 yuan, which is more common in the impulsive consumption of merchants' promotional activities;

This kind of impulsive consumption is a concept of advance consumption that has been imperceptibly recognized by relevant institutions, platforms, and units in the past few years.

It is recommended that all Tianyou microfinance users carefully review their normal income level and spending power, and think about whether you are worthy of it. ”

As soon as Ning Yan heard this, he understood: "On the one hand, someone is boosting, and on the other hand, the user himself is being stabbed;

You're doing things, and it's hard to look at your own shortcomings;

I haven't really suffered a loss, and I have been so painful that I don't have rice to go to the pot, how can people agree with what you said;

Do you think that a few months ago I owed so many loans, didn't I have the same mentality, didn't that Apple computer just exceed my spending range, and I still insisted on swiping my credit card?

Obviously planning to send money home, knowing that his income is pitiful, he still has to spend so much......"

Yan Zhi interrupted: "No, no, no, you are different from them, you were originally because of my factors and family factors;

You want to tell your uncle, aunt and Grandpa Ning that you are living well outside, and you also believe that with your own ability, these arrears are not a problem;

You did fall into the trap of early consumption, but the fundamental reason is that I am pouting and suggesting that you must buy that computer, because I said that you may not like it so much when you have enough financial strength;

For example...... now"

After a pause, Yan Zhi continued: "They want to enjoy the high-end life of Zhihu's per capita annual salary of one million, enjoy a monthly income of 5,000, spend 500 fast for a casual meal, and buy a lipstick 999 at will;

And now, the announcement directly said whether they are worthy or not, and it is pierced to the bones. ”

Ning Yan snorted: "Secretary Yan, you have also pierced my heart, so think about it, how to compensate;

I really don't like that Apple computer now, I don't know where I put it, and I forgot where it even came with hundreds of thousands......"

"Hey, it's not about me. Yan Zhi said deliberately.

“……”

Ning Yan didn't bother much.

Instead, let Yan Zhi show him the direction of public opinion on the Internet.

Some of the spontaneous remarks of netizens were expected by Ning Yan.

It's normal to attack a platform, curse a platform for going out of business, or come to a superficial awakening.

Although Tianyou Microfinance does not have the function of revolving loans, there are still people who maliciously attack this, believing that the Tianyou Microfinance platform has cut off the possibility of their turnover.

"I don't understand the trap of advanced consumption, use you to teach?"

"I need money now, I need to tear down the east wall and make up the west wall!"

“……”

On the other hand, public opinion analyzes this matter from various so-called rational angles.

However, anyone with a little discerning eye can see that there is a big problem here, because there are many related units in the end.

All in all.

From the beginning of the rise of borrowing, when small-amount consumer online loan platforms have sprung up like mushrooms after a rain, you can imagine how delicious this market is.

Large enterprises, small enterprises, banks, non-banks, financial institutions, non-financial institutions, but everyone who is involved in the margins are frantically rushing into this industry.

Although Tianyou Bank's announcement did not reveal any industry insiders, it was only a statement and an expression of the irrationality of small online loans.

But it is enough to attract the public relations attention of these units.

After a cursory reading of this information, Ning Yan muttered: "Draw up the second announcement;

Drawing the attention of relevant institutions to the chaos of small online loans, high interest rates, financial chaos, etc., anyway, it is to expose the inside story of the industry, how to come directly. ”

Yan Zhi didn't quite understand.

Ning Yan explained: "Burn the fire, I'm running for losses anyway, and it's good to be able to change some things." ”

"After all, I'm just an ordinary person, rich and powerful, and occasionally I want to be willful, if I can't get used to it, I can't get used to it, and I pretend to be forced with me?"

Yan Zhi understands this, some public opinion-related information is indeed a bit too pretentious.

But Ning Yan's energy is now boundless.

In addition, it is better to go bankrupt because it is already pointing to losses, so naturally how to take advantage of the trend to make this thing bigger.

Thereupon.

On the first night after the eleventh long holiday, the entire public opinion danced because of Ning Yan's decision.

Ning Yan himself hung high.

looks like he doesn't hear what's going on outside the window.

Playing chess on his laptop.

Until late at night......

…………

"What do you see me doing, do you want to wash together?" Yan Zhi stared at Ning Yan, not angry.

Ning Yan: "???"

"No, you're a little too much today, and I'm not looking at you specifically, but I just heard the voice and turned around. ”

"You take care of me!" Yan Zhi was unreasonable, "It's time to get off work, Mr. Ning, I can not be your secretary!"

"I'm so wronged, can't I lose my temper?"

Ning Yan: "......"

"My, mine, you can do whatever you want. ”

What else could he say.

Obviously, he took off his coat and made a posture of wanting to fight, Ning Yan felt that his brain was somewhat paralyzed.

Yan Zhi dragged her own small suitcase into the bedroom.

After a while, the sound of water sounded.

Ning Yan continued to play his game.

At about 11 o'clock, Yan Zhi urged Ning Yan to wash and rest.

This day is over.

A 2.5-meter-wide bed with at least 1.5 meters empty in the middle.

Back to back, no one cares about anyone.

Nothing was said all night.

Early the next morning, the biological clock that he was forced to develop woke Ning Yan up.

Feeling slightly unwell.

It's noticeably different from usual.

After experiencing it carefully, I found that my whole body was very soft and comfortable, and I muttered: "It is worthy of being a VIP building, and the comfort of this bunk is really high." ”

"It's really comfortable to the touch, and I have to let Secretary Yan learn from it. ”

While muttering, he used his strength in his hands.

Suddenly, there was a 'bang' sound.

Ning Yan lowered his eyes, and then was suddenly startled.

Almost between the lightning and flint, Ning Yan came to attack first: "You...... You're not going to sleep!"

"Okay, each sleeping, what are you running to me for!"

Yan Zhi: "......"

Waiting for Yan Zhi to look around left and right, after she came to her senses, she said, "I ......"

"I didn't mean it, the bed is so big, who knows what's going on, you didn't stay where you are, maybe you woke up first, secretly changed positions, and then made the first move!"

Ning Yan: "......"

"How can you smear people's innocence out of thin air!"

"I still have to find a wife in the future, if my wife knows, can my family still be harmonious?"

Yan Zhi: "Get out of here!"

"What about me! It's obvious that I'm at a loss, Ning Yan, you wait for me, and when you take over the Ning Affairs Management Office, I'll resign!"

“……”

Ning Yan glanced at Yan Zhi, and when she saw that she looked serious, her tone immediately weakened: "Okay, okay, get up quickly." ”

"I still have to go to work. ”

Yan Zhi responded: "......"

Ning Yan quickly got up and left the bedroom, making room for Yan Zhi to change clothes.

The breakfast in the VIP building is buffet style, with a lot of variety and very exquisite.

It's very appetizing.

Same as last night, breakfast was still only eaten by Yan Zhi and Ning Yan.

After the meal, the Mercedes-Benz S600 stopped in front of the porch.

…………

At 8:25, Ning Yan and Yan Zhi arrived at the headquarters of Tianyou Bank.

There are 5 minutes left until the official opening.

This time, Ning Yan did not enter directly through the lobby, but entered through the foyer of the office area next to it.

The elevator arrived on the ninth floor, and as soon as the door opened, Ning Yan saw the vice president and other people.

"Ningxing, good morning. ”

Ning Yan nodded slightly, a little curious about the serious faces of the vice presidents.

This doubt was quickly answered.

The vice president said with a serious face: "Ning Xing, we have received a notice that many local media are going to interview you. ”

"We interviewed our bank for suddenly stopping small online loans and announcing the operation of exposing the traps of online loans. ”

At this point, the vice president paused for a moment and then continued.

"Ning Xing, why didn't we receive the notice, and the small loan business was stopped?"

"It's the most profitable business in our business right now. ”

“……”

Hearing this, Ning Yan glanced at the vice president and said lightly, "Are you going to teach me how to do things?"

The vice president was stunned.

He thought about all the answers, but he didn't think of such an answer.

"Ning Xing...... This. ”

Seeing this, Ning Yan waved his hand and said politely: "I do things, I have my rules, you can adapt best, and if you can't adapt, force yourself to adapt." ”

"I will not explain any of my actions to you, including you, for no reason. ”

"You'd better think about whether your ass is clean or not, I'm more willful, I won't turn a blind eye, I will only check to the end. ”

“……”

Everyone, including the vice president, was silent.

They suddenly realized one thing, the project that Ning Yan decided to stop did not require anyone's consent, and the implementation efficiency was very high.

In other words, no matter what they think, the people who really do things can tell who is the big boss.

"Understood, Ningxing. ”

“……”

After walking into the office, Ning Yan had not yet sat down, so he asked, "Have the results of the internal audit investigation come out?"

"Right away. Yan Zhi replied.

Ning Yan thought for a while and said, "Tell me to go down, no matter what kind of reporter it is, don't let it in, Tianyou Bank will take the time to answer the media's questions in a unified manner." ”

"Understood. Yan Zhi responded.

When he turned on the computer and flipped through the web page, Ning Yan knew how turbulent the public opinion outside was now.

If it started out as a storm, it's 2012.

Almost all the information was picked up.

"According to reliable sources, Wushi Tianyou Commercial Bank changed its general manager yesterday.

Through the replacement of industrial and commercial information, it can be seen that the current president and largest shareholder is a person named Ning Yan.

Other than these, there is no other relevant public information available online;

It is speculated that there may not have been any industrial and commercial information before. ”

"On the contrary, there is public information that Weibo user 'I want to be rich' seems to be called Ning Yan. ”

“……”

"According to the feedback from insiders of Friends Bank on a certain day, everything happened yesterday afternoon, and the small loans issued were suddenly stopped and will be gradually closed;

Previously, the new president of Tianyou Bank also suspended all loan approvals. ”

According to these news, it is speculated that the new president should be to comprehensively rectify Tianyou Bank, perhaps the internal chaos is very serious, so he changed his command in a thriving situation. ”

“……”

On the other hand, Tianyou Bank publicly exposed the harmfulness of small loans, including the insider, including the high interest rates of all parties, including various illegal operations inside, which some well-known people believe is like self-destruction of the Great Wall. ”

"Especially in addition, Tianyou Bank has also filed an application for review with the China Banking and Insurance Regulatory Commission, the People's Bank of China and other relevant institutions;

Strictly distinguish between personal consumption loans and individual business loans;

From this point of view, Tianyou Bank's move is completely putting itself to death, and it must also pierce the third-party finance that has become more and more turbulent in the past two years. ”

“……”

"Up to now, almost all the huge Internet financial companies have all attacked Tianyou Bank, saying that Tianyou Bank is driving backwards......"

“……”

Looking at these, Ning Yan smiled: "It's really cutting off people's financial routes, such as killing their parents." ”

"Secretary Yan, continue to release news, I don't believe that if you continue to play like this, Tianyou Bank will not lose money.

I really don't think there is any need for the existence of such a thing as a small online loan, it is nothing more than giving everyone a layer of so-called dignity through the Internet, and it is not so difficult to borrow money as before;

Since there is no money, don't try to do something beyond your ability, if it's really life-saving money, there are so many institutions that solve social welfare problems through Internet business means!"

Yan Zhi thought so: "Individual business loans for business are completely different from personal consumption loans. ”

"There are always people who are short of money, even you are short of money, and your desires can never be satisfied, so instead of doing this, it is better to stop thinking and come honestly. ”

"Okay, I'll get busy first. ”

With that, Yan Zhi left the president's office.

No matter what the situation is in the outside world, Tianyou Bank's attitude in Ning Yan's observation is always the same.

That is, to smash the plate of small online loans in public.

At least such crazy public opinion will affect many ABS financing that could have been successful.

"Who would know, in fact, I just want Tianyou Bank to lose money, and you forced me. ”

Seeing Yan Zhi leave, Ning Yan muttered to herself.

…………

There are two sides to the story.

Although there is a lot of public opinion on the Internet.

But what Tianyou Bank should be doing or what it is doing.

After the loans that were stopped yesterday have been reorganized, some of the loans have gone down normally.

The other part was suspended here in Ning Yan.

At this time, Ning Yan was looking at a series of investigation results sent by Yan Zhi's secretary group.

"Damn, so many unspoken rules?!"

I don't know if I don't see it, and I'm shocked when I see it.

Not to mention anything else, none of the senior management of Tianyou Bank have a clean butt, but some of the unspoken rules are within the normal range.

You can open one eye and close one eye.

On the contrary, Ning Yan's performance of the vice president was very surprising, he was actually one of the few clean factions.

So, Ning Yan called the vice president over through the internal phone.

"Ning Xing, you look for me. ”

Ning Yan looked at the vice president named Huang Qianming and smiled: "Lao Huang, I have just taken office, and I can't handle many things accurately, so I want to ask you to help with the staff officer." ”

"Speak, please. Huang Qianming said.

Ning Yan pushed a document to Huang Qianming on the other side: "Look at it, are these people a little unscrupulous?"

Huang Qianming glanced at it twice, and was immediately stunned, beads of sweat appeared on his forehead, and his hand holding the document trembled slightly: "Ning...... Ning Xing, this, this ......"

"Don't be nervous. Ning Yan smiled and said, "As for me, I am young and have heard little truth;

If you think about it carefully, I always feel that there is a very universal truth, and this world can be separated from anyone. ”

“……”