In Ling Yuyan's concept, the purpose of holding a meeting is to solve problems, and it should not be a blind chat between colleagues, nor should it be a manager to give employees an ideological education class, so the meetings she convened have always been very short.

It's the same this time. There are a total of three people in the compliance team, and Ling Yuyan has arranged a few contact branches for each of them, asking them to supervise and urge them to conduct self-inspection, report any problems as soon as possible, and then additionally explain to Qin Zhizhong to contact the retail department to see the attitude there, and then the meeting was dismissed. It took less than half an hour before and after.

After the meeting, Huo Lang followed Ling Yuyan back to the office, with a sincere face: "Mr. Ling, you didn't arrange a job for me. ”

Ling Yuyan didn't raise her eyelids: "You are an intern, you don't need to make specific arrangements, just follow along." ”

Huo Lang didn't give up, he still wanted to figure out what was going on, how could he stay out of it?

"I heard Ah Zhi say that this inspection array is too big, just a few of them, what should I do if I can't be busy?"

That's true. In the past, there have been such large-scale inspections, and Ling Yuyan would ask the people in the financing team to cooperate and help, but this time the work was reversed, and coupled with the conversation with Mo Zifei just now, she didn't want to beg him. Pondered for a moment: "That's okay, you and Qin Zhizhong said that you will be responsible for the communication with the retail department, and let him concentrate on contacting the branch." ”

Huo Lang happily agreed, and when he went out, he felt that something was wrong. He has just come to the Hangzhou branch for two days, and he doesn't know a few people, how can he contact other departments?

When he found Qin Zhizhong and conveyed Ling Yuyan's meaning, Qin Zhizhong's eyes were also strange, he agreed, pointed out the way to the retail department to Huo Lang, and went back.

Holland didn't have time to think about it before he arrived at the retail department. The first person I saw heard that he was an intern at the head office, and he was quite enthusiastic, and after carefully asking about the foreign exchange inspection, he changed his face and said that he would find a specific person in charge for him, and he disappeared.

Huo Lang waited left and right and no one came, so he had to ask himself all the way to find a past. There were a lot of people in the retail department, and it took more than ten minutes to ask directly before I came to a chubby big sister.

Although the eldest sister was fat, she was very particular about dressing, and she hung a lot of jewels on her body. When I saw Huo Lang, I first asked: "Are you an intern at the head office?" Seeing Huo Lang nodding, he continued impatiently: "You go back and tell you Mr. Mo, I already know about the inspection, and if I want something at that time, if I have it, I will give it to you." ”

Huo Lang felt that this was a little wrong. According to Qin Zhizhong's statement, the retail department should be responsible for inspecting a section in the right, how did it get to her, it seems to have nothing to do with it?

Huo Lang had no choice but to put on a harmless innocent smile again: "Eldest sister, I just came to intern, and I don't know much. Why don't you tell me more about what you're responsible for?"

Unexpectedly, the other party suddenly erupted: "Which part am I responsible for? Isn't the foreign exchange inspection the business of your trade department? I am willing to cooperate, what else do you want me to be responsible for? If you don't understand, let Mo Zifei come to me!" As he spoke, he pushed Huo Lang hard: "You get out of the way, I still have something to do when I go out." ”

Huo Lang didn't react, he was pushed by her like this, and squeezed out of his chubby body, first hitting the partition of the workstation, and then there was a heavy pressure between his chest and abdomen, and he almost couldn't breathe. Seeing that the person was far away, he gasped for breath and had to return with a feather.

The matter was not done well, and Huo Lang was afraid that the inspection would be delayed, so he went directly to Ling Yuyan to report.

Ling Yuyan looked at Huo Lang's dejected appearance, the shirt on his upper body was also wrinkled, and he wanted to laugh a little, so he forcibly asked, "What's wrong?"

Huo Lang clearly saw a smile slipping through Ling Yuyan's eyes, and suddenly became a little alert, first relayed the words of the eldest sister in the retail department, and finally couldn't hold back, and asked, "Mr. Ling, did you deliberately let me eat deflated?"

Ling Yuyan really couldn't help it now, and said with a smile: "You are an intern from the head office, it is polite for people to treat you like this." If Qin Zhizhong goes, maybe he will be blasted out directly. ”

Huo Lang was still a little depressed, but when he saw Ling Yuyan's bright face suddenly smiling, it was like a river of spring water slowly flowing through his heart, and his heart softened suddenly. So he muttered, "Why?"

Ling Yuyan restrained her smile and became serious again: "Foreign exchange business is divided into public and private, the so-called public is the business involving foreign currency and RMB cross-border transactions handled by various enterprises with import and export needs, and the so-called private is the purchase and sale of foreign exchange by individual citizens. It stands to reason that our trade finance department belongs to the large corporate line and is only responsible for the part of the enterprise, and the supervision of individual foreign exchange settlement and sales should be responsible for the retail business department. In recent years, for the purpose of anti-money laundering, the foreign exchange bureau has been very strict in supervising the purchase of foreign exchange by individuals. However, with the substantial increase in domestic and foreign economic exchanges, individual foreign exchange purchases occur very frequently, and the number of transactions is too large. ”

Ling Yuyan saw that Huo Lang was a little confused, and felt funny, so he paused for a moment before continuing: "On the corporate side, although the amount of current funds is much larger than that of personal foreign exchange, the bank has the corresponding documents and information for each business, and there is a special person responsible for every link in the business process, as long as it is strictly implemented in accordance with the regulatory policy, there will be no major problems." ”

Huo Lang listened to this long paragraph, and then thought about it in his heart, and then he understood a little: "To put it simply, it is easy to have problems with personal foreign exchange, and it is a hot potato, so the retail department is unwilling to accept it?"

"Yes. ”

Huo Lang pondered for a moment: "After all, this is a matter of jurisdiction. No matter how reluctant the retail department is, as long as there are regulations in the system, they have to enforce them. So, what does the head office say?"

Ling Yuyan didn't expect Huo Lang, an intern, to say such a thing, a little surprised, but after thinking about it, he studied law, and he did think about the problem more logically: "For personal foreign exchange, the retail department is responsible for the head office. However, the head office has also issued an official document, saying that each level of branch can coordinate this matter again and decide which department is responsible for it. ”

"Isn't the head office stirring up trouble?" said Huo Lang frowned.

Ling Yuyan was amused: "You can't say that. At the time of writing, the situation was different from what it is now. At that time, the number and amount of individual foreign exchange business in some provinces and cities were not too large, so several branches were fully responsible for the trade finance department. However, in Hangzhou, there has always been a large amount of public and private affairs, and the trade department and the retail department have been arguing about this matter for a long time, until the previous president, it was not clear that the retail department was responsible for personal foreign exchange. However, Mr. Wu, the current head of the retail department, is very strong, and since he took over the retail department, I don't know how many times I have been involved with us and the president because of this matter. The president was also troubled by him, so he could only vaguely say that the two departments were cross-managed, and we took the lead in a unified manner, and they were specifically responsible. ”

"Is this still a problem left over from history?" Huo Lang incredulously: "I thought that financial institutions such as banks were very rigorous, and there would be times when several departments were torn around?"

This is only said by people who have just graduated, and the corners of Ling Yuyan's mouth are crooked: "Banks are also run by people, as long as there are people, there will be disputes, what's so strange." ”

"Office politics. Holland pursed his lips disdainfully.

Ling Yuyan wanted to laugh again. When she came to work this morning, she was in a bad mood all the time, and she was even more depressed after the branch union. After chatting with Huo Lang for a while, he became inexplicably cheerful and talked a lot:

"The person you met in the retail department was named Anjia, and her mother's family and her mother-in-law's family were very big businessmen, and they were both big customers of CEFC for both public and private businesses, so no one dared to assign her a job from the first day of work. Since there is such a great god, Mr. Wu of the retail department simply asked her to be in charge of the personal foreign exchange part and the communication with our trade department, and she didn't have to worry about other things. Anyway, no one dared to mess with her, and if she was angry, she would go directly to the president's office and slap the table. In the past few years, if she is happy, she will make a few reports and send a few reports to us, and if she is not happy, she will throw away the original data and let our people do it. The compliance team didn't dare to say a word. "Mo Zifei's kind of human spirit, of course, also walks around her. Ling Yuyan complained silently in her heart.

Huo Lang was dumbfounded when he heard this, no wonder the eldest sister was so arrogant, it turned out to be such a tough backstage. Then I began to worry: "Then this inspection, if the personal foreign exchange business is found to have problems, we really have to carry it?"

"It's not just in case, it's ten thousand. Ling Yuyan picked up the piece of paper given by Mo Zifei: "Personal split purchase of foreign exchange, check one accurate." ”

Huo Lang hurriedly took it and looked at it carefully, but he didn't understand it after looking at it for a long time: "What is a personal spin-off purchase of foreign exchange?"

"The foreign exchange bureau stipulates that each person has a quota of 50,000 US dollars per year for foreign exchange purchases, and some people want to remit money from the country for various purposes, so they will find a few more people to come and send 50,000 yuan of foreign exchange to the country each person, which is the purchase of foreign exchange by splitting. This kind of behavior is suspected of money laundering and is subject to key supervision. However, if multiple people remit to the same account overseas, it is still easy to screen, and sometimes it is not easy to be found if it is remitted to different accounts. ”

"What if people have a valid reason, such as their children studying abroad?" Holland felt that there were loopholes in this policy.

"As long as there is proof of admission, there is no $50,000 limit. ”

"Then, if it is multiple people remitting money to different accounts overseas, how can the bank screen it out?" Huo Lang still felt that there was a problem.

"Banks bear the most basic prudential supervision obligations for foreign currency remittances, and since the foreign exchange bureau can screen out, banks must of course be able to screen out. Ling Yuyan blinked, with a hint of uncertainty in her tone. After all, for this case, the difficulty coefficient of the post-screening of the foreign exchange bureau after the remittance occurs and the simultaneous screening of the bank at the time of the occurrence are of course different.

Huo Lang pondered for a while, and felt that Ling Yuyan's complaint was very standard, not only did not complain about the regulatory department, but also artistically expressed his embarrassment. I looked at her cold appearance before, but now she actually shows a hint of cunning, it's a little, cute?

Ling Yuyan didn't know why Huo Lang was stunned when he spoke, and knocked on the table: "Okay, it's going to be a little bit soon, let's go eat." Haven't you got your meal card yet? ”

Huo Lang was just about to excuse himself, but Ling Yuyan had already thrown a card over, and the photo on it was obviously taken a few years ago. At that time, Ling Yuyan still had long hair with a shawl and no makeup, which was much younger than now, and it was a completely different style. Holan looked at the picture and put the card away.