With the chairman nodding and Lin Tianhua presiding, and the inspection team has a high incentive mechanism, the intensity of this risk investigation is unprecedented. Whether it is the head office, or the branches have been recruited, or large or small to find out some violations or improper operations, in the words of Lin Tianhua, this investigation is equivalent to a self-diagnosis before listing, for the problems found, severe punishment.

In this investigation, the Chengdong branch was not spared. Due to the problems of non-standard bill operation and formality in the operation of the counter, the Chengdong branch received three visa forms, and the sales supervisor Luo Su'e was implicated.

Gu Tiande had a headache to death, he didn't want to do it, but Luo Su'e was not a fuel-efficient lamp, claiming that if she didn't save her, she would poke out the matter between herself and Gu Tiande. Gu Tiande was really afraid that there would be another problem at this juncture, so he took a box of Moutai and two shopping cards overnight and went to the team leader of the inspection team to talk about the item. As a result, in the end, the visa slip was given to Zhang Liyu, who had left his job and jumped to Minfeng Bank.

Wang Chong also has a lot of problems here, in addition to a number of loans with hidden risks in small and micro departments, even several companies with more than 10 million yuan have also appeared risk warnings. However, when he took over the first credit department, he had already checked all the loans, and issued a risk early warning report for the business with hidden dangers, and made a special report to the boss of the risk management department and Liu Jianguo.

However, in the banking industry, risk control is the whole process, and there is no new official ignoring the old accounts, Liu Jianguo still criticized Wang Chong, let him do a good job in post-loan management of possible risk business, pay attention to the operation of problem enterprises throughout the process, and take immediate action as soon as bad signs are found, and make emergency plans for possible situations, so as not to have things like Luo Dacheng again.

This morning, Wang Chong was sorting out the risk investigation report of the credit department, and the boss of the noodle restaurant found Wang Chong, Wang Chong let them to the reception room, and Zhang Feifei brought in tea.

Boss Song said: "Manager Wang, I have discussed with your sister-in-law in the past two days, the incident you said last time, we think it makes a lot of sense, now there are more than a dozen small restaurants at the north gate of Donghua University, and the traffic is close to saturation, and it doesn't make much sense to expand the storefront." I went to East China Normal University to inspect it, and I was going to set up a shop there for my brother and sister-in-law to run, what do you think?"

Wang Chong said with a smile, "You are the boss, and you have been doing it for so many years, whether you can do it or not, Brother Song should have his own judgment." To tell you the truth, our bank does business, not only your business situation, but more importantly, a person's character and reputation, a person does not even have the most basic integrity, even if the business is good, we will be cautious to intervene. ”

Boss Song didn't understand the meaning of Wang Chong's words, rubbed his hands and said: "Manager Wang, your sister-in-law and I have a low education, and I don't understand so many big truths, but if you talk about making noodles, I'm afraid there are few people in Donghua City who are better than me. I think it should be no problem to open another branch. ”

"I still say that, the key depends on the person. ”

Boss Song said: "My brother is honest, willing to endure hardships, and can do it, it is this brother and daughter-in-law, who is a little snobbish, but if he can really make money, there should be no problem." Moreover, I also have an idea, my store is not too small, I plan to build a WeChat group, launch a takeaway service, find a few students in the school to do part-time, and also expand a lot of business. ”

Zhang Feifei asked, "Why don't you use a takeaway app?" ”

Wang Chong patted him on the head, "If it is a slightly larger store, it will be good to use the APP business, but the return of funds on the APP platform is too slow, and Brother Song is a small business, so he can't withstand such a toss." ”

Boss Song nodded, "This is one of the reasons, and another reason is that the platform wants to take a cut of profits, and the main customers of the noodle restaurant are still students, and I don't want to raise the cost and increase the burden on them, so I have to use stupid methods." Actually, I didn't need a loan, but recently there was a free financial management software, called that, yes, fart rabbit fart, the interest given is quite high, and your sister-in-law has invested all the spare money into it, so I've been a little nervous lately. ”

Zhang Feifei added: "It's P2P. I looked at the above projects, and most of them were too, and I thought they were a little unreliable. ”

Recently, Wang Chong has heard more than once about this financial management software, this software is developed by an investment company in Donghua City, claiming to be listed in Hong Kong, advertising is overwhelming, car body, radio, television, and various local portals, the annual interest is more than 15%, the target is mainly middle-aged and elderly, and some migrant workers, many people in Donghua City follow the trend to invest money in it.

However, judging from Wang Chong's many years of experience, this kind of financial management software is mostly problematic. Wang Chong also learned about this software, many of the projects in it are full of loopholes, and some of the information is even PS up, but unless they have undergone professional training, most of the people have no ability to screen, they lack investment channels, and they are unwilling to deposit their money in the bank for a meager interest, and under the temptation of high interest rates, they have invested their savings into it.

Of course, Wang Chong has also encountered some large business owners who have invested large sums of money in it, and when chatting with them, he learned that they also know that this kind of platform will have problems sooner or later, but gamblers are troubled by speculation in their hearts, and they have the intention of drawing out the funds to invest if they make a handful.

Wang Chong frowned and asked, "Brother Song, how much did you vote in it?"

As soon as he talked about this, Boss Song became interested, "I invested 100,000 yuan and returned 1,500 yuan to me every month, so it is still very cost-effective." I'm still thinking about investing some in the new noodle restaurant when it opens and the funds are rich. You think, if I invest 500,000 yuan, I will have an income of seven or eight thousand a month, and I will be able to live a good life without doing anything. ”

Wang Chong felt the need to remind Boss Song, but he has seen too many of this kind of person, you tell him that this may be illegal fundraising, he will say that you are too conservative, you tell him about risks, he tells you about benefits, you tell him that there is a problem with the project, he will tell you how good the decoration of the other company is, how big the façade is, in short, it is brainwashed ideologically.

Thinking of this, Wang Chong decided to change his mind to remind him, so he tried to ask: "Brother Song, how much profit can your noodle restaurant make in a year?"

Boss Song thought for a while and said, "The net profit is about 20%." Sometimes it's the off-season, which is about 10%. ”

Wang Chong said: "Let me tell you a set of data, the profit margin of the wholesale and retail industry is only between 10%-15%, the catering industry is a profiteering industry, high-end hotels are about 50%, a noodle restaurant like yours, you and your sister-in-law get up early and work hard, and the profit is about 20% a year, like the financial management software you just said, put money into it, do nothing, there will be 15% profit, where is there such a good thing in the world?"

"Didn't I catch up. I heard that this financial management software also has Tianma Group Company as a guarantee for them!"

Wang Chong had never heard of this, and the Tianma Group was a key enterprise in the city, so how could it guarantee such a company for no reason? This made Wang Chong a little puzzled.

Wang Chong persuaded: "You started all the way from a roadside stall, and you also know that there is no such thing in the world as a liar, even if it is a liar or a thief, they have to rely on their brains and crafts to make a living, and they are still worried and afraid all day long.

Boss Song fell into deep thought, and said for a long time, "You mean, they may be liars?" But for more than half a year, they have never delayed making money?"

Wang Chong Zhengrong said: "You may not pay attention to this, this kind of platform, hundreds of bankruptcies across the country every year, they raise money to raise funds, what projects can have more than 20% of the income to cover your interest? When the time comes, you just go to report the case, and the police will not be able to chase it back. ”

Boss Song hesitated, "Originally, I thought it was a good project, but after your analysis, it seems that there are some problems." No, when I get back, I'll go to them and find a way to get the money out. ”

Sending away the noodle shop Boss Song, Zhang Feifei sighed, "Master, do you say this is illegal fundraising?"

Wang Chong said: "One hundred percent." ”

"Every year, our bank cooperates with the public security to prevent illegal fund-raising propaganda, and the intensity is not small, why do you say this kind of thing is repeatedly banned?"

Wang Chong pondered for a moment and said, "Illegal fundraising has existed since ancient times, and it will never disappear. ”

It was the first time Zhang Feifei heard this point of view, and he was curious: "Why?"

Wang Chong continued: "There are three reasons, first, there is a gap in people's IQ, there are always some smart people and stupid people, but no one thinks they are stupid, this is a fact that cannot be changed. Second, people are susceptible to incitement, especially when they are in groups, and their overall IQ is easily impulsive and extremely low, which is also a fact that cannot be changed. Third, human nature is greedy, and everyone wants to get something for nothing, including you and me, which is also a fact that cannot be changed. These three points are all aimed at human instinct, nature and human nature, as long as these three points cannot be eliminated, illegal fund-raising will never disappear. ”

Zhang Feifei listened thoughtfully, and said: "I have also considered this problem, but I have not analyzed it so thoroughly as you, master, you are really amazing!"

Wang Chong said: "Don't make sycophants." ”

Zhang Feifei suddenly lowered his voice and said, "Master, I heard a gossip news recently, I don't know if you are interested in knowing." ”

"Not interested. ”

Zhang Feifei thought that Wang Chong wanted to know, but he didn't expect to hit a nail, but he couldn't help it, so he said, "It's related to President Gu!"

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