When Wang Chong returned to his home in Yujing Dongfang, it was already seven o'clock in the evening. He took a shower, changed into clean clothes, ate something casually, and leaned back on the sofa to watch the news broadcast.

Suddenly remembered that tomorrow was the birthday of the mentor Luo Yusen, and he came back in a hurry today, and he was busy fighting wits and courage with Zhou Yuntao, forgetting to accuse the mentor, so he hurriedly made a phone call, explained to the mentor, and then briefly chatted with him about what happened today, and then the two chatted about the recent financial environment.

Luo Yusen, a well-known economist in China, is said to be a member of the national think tank, and he was consulted when he came out with a round of stimulus policies. However, Luo Yunsen does not agree with this way of issuing additional currency to ease economic pressure.

He believes that a strong stimulus policy, although it can help the country tide over the difficulties in the short term, but the profit-seeking nature of capital has led to the flow of funds to the capital market and industries prone to capital bubbles, which in turn has given rise to the activity of private capital and the soaring of real estate prices.

The experience of the past few years has given Wang Chong a deep understanding of these words.

Almost all large-scale industries in Donghua City, whether it is Tianma Group, which started with textiles and smelting, Hualong Group, which focuses on the tire industry, or even the Wellcome restaurant chain that focuses on the catering industry, have invested in the real estate industry without hesitation over the years, and have made a lot of money. Taking Donghua City, where he is located, for example, when he first worked, the house price per square meter was only about 4,000 yuan, and now eight years have passed, and the house he bought last year has risen to 15,000.

The private capital market is also extremely active, and the cost of short-term bridge funds has reached two to three points of interest. He met a loan turnaround customer who had a $5,000 per day interest on a million bridge funds.

The bank assessment one-sided emphasis on the scale of credit delivery, the commercial banks almost desperately begged for corporate loans, and even over-delivery, and the bill market has almost fallen into a crazy mode, he knows a bill collector boss, the daily bill collection amount is as high as three or four billion, through four to five days, you can idle once, arbitrage 80BP income. (Note: 100BP is 1%).) ）

Wang Chong is also very worried about this, but more than 40 of the more than 60 KPIs set by Donghua Bank are related to loan delivery, but Wang Chong has noticed that the overdue loans in the bank have gradually climbed recently.

Luo Yusen is a visiting professor at Donghua University and is interested in the financial market in Donghua City. The two met in a financial forum, and later Wang Chong followed him to Hong Kong for graduate school, and Luo Yusen has always taken more care of Wang Chong.

The two chatted for nearly an hour, and Wang Chong remembered wishing the teacher a happy birthday, Luo Yunsen said, "It's okay, I may go to Donghua City in two months, there are a few lectures and forums to attend, and then we can have a good chat." ”

Wang Chong said, "That's great, I've been in Donghua recently, and I'm waiting for you at any time!"

After hanging up the phone, Wang Chong found that there were several missed calls from Ma Xiaoxiao, and hurriedly replied. Ma Xiaoxiao teased, "Governor Wang is a busy man, a phone call has been going on for so long, which beauty is you talking to?"

Wang Chong said that he was chatting with his mentor, but Ma Xiaoxiao said he didn't believe it. Wang Chong didn't want to entangle these with her, so he said, "You have helped me a lot today, my plans for the National Day are all disrupted, seeing that you are free that day, I will invite you to dinner." ”

Ma Xiaoxiao said that I worked so hard for you, I can't just eat, I have to go shopping and watch movies. Wang Chong had to agree, and Ma Xiaoxiao said with a smile, "I'll just talk casually, our line of work is tired and tired all day long, and we don't even have time to go to the toilet, where is the time." By the way, I remember what I said, there is an old classmate transferred to Donghua City to work, I will contact her, look at Wednesday and Thursday, give her a wind, and do your best to do the friendship of the landlord, of course, you still pay the bill. ”

Wang Chong continued to ask who it was, but Ma Xiaoxiao didn't say whether he was alive or dead.

After a while, Ma Xiaoxiao sent a text message, "At noon on Thursday, at Yunhaitian Restaurant, I booked a private room. ”

At six o'clock the next day, Wang Chong got up and went for a morning jog in the park outside the community, ten kilometers a day, about forty or fifty minutes, which was a habit he had maintained for many years.

When he was a child, he lived in a mountain village, more than ten kilometers away from the school, Wang Chong ran to and from school every day in order to save money, his family was poor, in order to prevent the wear and tear of shoes, for a while, he also ran barefoot. Later, when he was in college, he won the first place in the long-distance running competition organized by the school every year. When he was studying, he especially liked Haruki Murakami, and even dreamed of becoming a writer, running, writing, and practicing calligraphy every day, but when he volunteered for the college entrance examination, he still filled in the financial industry.

After returning home and washing up, Wang Chong received a text message from Vice President Liu Jianguo, inviting him to participate in his calligraphy exhibition at the Municipal Federation of Literary and Art Circles.

Liu Jianguo is the vice president in charge of risk control, or the vice chairman of the Provincial Calligraphy Association, Wang Chong had been with him for a period of time when he first joined the company, Wang Chong also loved calligraphy, and the two formed a New Year's friendship, over the years, Liu Jianguo has also been taking special care of Wang Chong.

Liu Jianguo, 55 years old, was once a popular candidate for president when the Chengxin Cooperative was restructured into Donghua Bank four years ago, but was reported to have missed the post of president and became vice president in charge of risk. Since then, he has been obsessed with calligraphy and does not pay much attention to the affairs of the industry, and as a result, he has made a name for himself in the past two years. Last year, a six-foot "Tanka Xing" created by him was auctioned off by a Hong Kong company called Hengyuan Calligraphy and Painting Company for 500,000 yuan, which became a sensational event in the local literary circle.

Liu Jianguo invited Wang Chong before, but because Wang Chong had already scheduled a trip to Hong Kong, he politely declined. Now that Liu Jianguo knew that Wang Chong was back, he naturally invited this fellow practitioner to give him a platform.

Wang Chong thought that there was nothing to do anyway, so he drove there.

Wang Chong drove an old second-hand Volvo, which he bought from the car market for 120,000 yuan last year. With Wang Chong's current economic strength, it is not difficult to buy a car of four or five hundred thousand yuan, and the middle-level who is equivalent to his position drives a BBA of hundreds of thousands, but Wang Chong feels that the car is just a means of transportation, and he is not a businessman, so he does not need to use a car to fill the façade, so he does not have much pursuit in this regard. It is worth mentioning that except for the official car of the chairman and the president, which is an Audi A6, the rest of the leaders' cars are the political version of the Passat.

The Municipal Federation of Literary and Art Circles Center is next to the gymnasium in the new district, is a three-storey small building, compared with the high-rise buildings in the new district, the Federation of Literary and Art Circles Center seems a little shabby, although the leading group of Donghua City does not admit it verbally, the concept of emphasizing economic development and ignoring culture and education has been deeply rooted.

Liu Jianguo's calligraphy exhibition is in the hall on the first floor, where nearly 100 pairs of calligraphy works are displayed. There are not many people in the hall, most of them are middle-aged and elderly, Wang Chong listened to them chatting, it should be organized by people from Donghua University for the Elderly, and there are some students from Donghua University, as well as some business owners who like vassal elegance.

Wang Chong found that most business owners, whether they understand it or not, like to hang one or two calligraphy works in their offices. Wang Chong has studied calligraphy a lot, and sometimes chatting with those bosses, he finds that their perception of calligraphy works only stays at the level of "how much money I bought it, or a friend who sent it to me".

Liu Jianguo was chatting with a leader in the city, and when he saw Wang Chongxian, he said hello and motioned for Wang Chong to take a stroll by himself.

Wang Chong wandering in the hall, Liu Jianguo's calligraphy regular script to take Zhao Mengfu, the meaning of the book Duomi Fu, in recent years, and turned to the Wei stele, the penmanship structure of the two planing is more, especially the treasure stele, simple and clumsy, the pen engraving is strong but the word is strange and ugly, in the recent popular "ugly for beauty" calligraphy circle is very popular, it is said that he was selected into the work of the Provincial Calligraphy Association, written is the "ugly book".

Wang Chong also likes calligraphy, but he has practiced Ou Jiucheng since he was a child, and later learned Zhang Menglong. This is also related to Wang Chong's character, he is straight, and not afraid of authority, although he is capable and courageous in handling things, but he is not tactful and sophisticated enough, because of this, when other peers were sent to the branch as presidents, Wang Chong has been serving in the head office.

After Liu Jianguo was busy there, Wang Chong went over and said goodbye, "Teacher, you are living more and more chic now, and even the city leaders have come to cheer you on." Liu Jianguo said with a smile, "When I am old, I don't have any pursuit in my career, so I am left to dance and write and enter retirement ahead of schedule." ”

Wang Chong pointed to a pair of words hanging on the wall, eight words written in Huai Cao, "Lao Ji Fu Fang, aiming for thousands of miles", these eight words are magnificent. "Back then, Cao Mengde used this poem to express his ambition, and I can see that you are unwilling, teacher. ”

Liu Jianguo: "It's just a moaning without illness, now Donghua Bank is striding forward under the leadership of President Lin, we old guys are looking forward to rubbing the spring breeze of listing and earning some pensions, but you, the future is limitless, especially yesterday's events, President Lin praised you fiercely at the office meeting." You may have to promote a group of new cadres after the new year and send them to the following branches for training, and you still have a good chance. ”

Liu Jianguo pondered for a moment, "By the way, I heard that you poured tea on the customer yesterday?"

Wang Chong: "You don't know my temper, I have a straight temperament, I hold grudges, where are I willing to suffer a little loss, and I just exchange courtesies." ”

Liu Jianguo said, "This is not good, just like your words, Zhang Menglong's edges and corners are too heavy, there is time to visit Zhang Heinu (sound: He Ru, also known as Zhang Xuan's epitaph), learn the font structure, the outer circle and the inner square, self-cultivation, this is the way to behave in the world." Our bank deals with money, you see the bronze coin, Brother Kong Fang, the outside is round and the inside is square, the outside is smooth, and the principle is adhered to, which is still very reasonable. ”

Zhang Hei's female body is a little delicate, Wang Chong doesn't like it, he still likes the words that are strong and angular and angular, just like his person, he knows that Liu Jianguo told him that these things are for his good, but Wang Chong has always adhered to the "external law and internal Confucianism" code of conduct in terms of self-cultivation, so he said, "Maybe the teacher is right, but I don't like to meet this set, say things against my heart, do things that go against my heart, I live like this, it's too tiring." ”

Liu Jianguo shook his head and sighed in his heart, "A general is not a handsome talent." ”

Nowadays, the situation in the industry is complicated, and there is fierce infighting between the top management. Vice President Li Youtian and Lin Tianhua look like they are separated, they are harmonious on the surface, but they keep making small moves in private, tearing each other down, Liu Jianguo is in charge of risk and compliance, although he is a member of the team, he is close to marginalization among the six high-level leaders.

Donghua City Credit Cooperative's restructuring of Donghua Bank for six years, the management of the original City Credit Cooperatives has almost been replaced, the only one who is still holding real power is Vice President Li Youtian, Liu Jianguo and Li Youtian have never been harmonious, Liu Jianguo has felt the decline of the strength of the Old City Credit Cooperative, he called Wang Chong today, I wanted to point Wang Chong, to restrain his character, in order to have the opportunity to go further to the top.

Wang Chong is the general manager of the small and micro business department, if you want to go further, you have to send out the branch to do management, at that time, you have to face, not only the loan customer is as simple as that, the government, regulators, and the business community all need to take care of it in place, only the eight sides of the exquisite heart, can cope.

Liu Jianguo said, "You have been working in the small and micro department for more than two years, and you should go down to experience it according to your qualifications, this time you have made meritorious contributions, President Lin may talk to you after the festival, I don't know if you have any plans?"

Wang Chong: "What I can do is to do my best to do my job, and I will follow the arrangements of the industry for the rest." “

Liu Jianguo smiled and said a witty remark, "Crying children have milk to eat!" In Donghua, you must not only have the ability, but also learn to fight, I will reveal a message to you, after the year, the bank will have a major adjustment, to prepare for the listing, President Li of the new district branch will be transferred to the head office, you can try to mention it to President Lin, go to the new district branch to work. You don't have to worry about me here, Li Youtian is Lao Chengxin, and he is your direct leader, and he should also support you, that is, the human resources director, she is an outsider, and she is very repulsive to our Lao Chengxin, and she may have to do work. ”

Nowadays, the Donghua Bank is divided into two factions, the Old City Credit Society Faction and the New Tung Wah Faction. Like Wang Chong, although he does not participate in factional struggles, because he joined the City Credit Society, he has been automatically listed as the faction of the Old City Credit Society.

However, he was not interested in this so-called factional struggle, and felt that it was okay to do his job. So he said, "Now that we are all employees of Donghua Bank, where are we divided into old city letter and new Donghua, as long as we work hard, there will always be a chance to get ahead." ”

Liu Jianguo said, "I'm afraid that others don't think so." ”