As soon as Yao Liang left, the atmosphere in the room suddenly became delicate, Director Mao sipped the wine with a smile, quietly waiting for what Zhou Liwen would do, and Zhou Liwen was still the same as before, looking at him with the same smile on his face.

Director Mao's clichés like saying that things are a little tricky just now are just a breeze in Zhou Liwen's ears, and they didn't affect his mentality at all. Because Director Mao can come to the banquet today, he has already shown his attitude, if he really can't do it, he won't sit in front of him now.

It is the 2o century, and the people who work in the banks are far less likely to be treated and ranked than they were many years later. Don't look at Director Mao and Yao Liang both working in the credit department of the branch, Director Mao even serves as the director of the credit department, but their income is only slightly more than that of ordinary tellers, and the difference is only in the intensity of work and the level of position. As for the measures of bank lending incentives and savings commissions, these measures have not yet been formally implemented, and this will have to wait until a few years later, after a large number of joint ventures and private banks enter the market, in order to compete fiercely with several major state-owned banks and compete for customers, so that the income of bank employees, especially credit personnel, has begun to increase by a large margin.

Director Mao is more than 40 years old this year, and when he joined the work, the country had not yet begun to reform and open up, and people like his generation paid attention to a subtle and steady work, and not like those young people who had just entered the industry after 8o and 9o, and they were afraid that their appetite was not big enough if they had a little power in their hands

2ooo

FOC even some girls who don't know how to respect themselves have just joined the bank to work, and in order to pull deposits, they even do not hesitate to use themselves as capital, only seeking the end and unscrupulous means.

Zhou Liwen knows very well that Director Mao is actually moved, but the key is to see how Zhou Liwen repays him. Of course, Director Mao himself will never take the initiative to speak, and he also has to consider whether Liwen is worthy of cooperation next week, people like him who are careful have always put safety in place, and will only help if they confirm that there is no problem and that success or failure will not affect themselves.

Zhou Liwen deliberately put Yao Liang's intention to dissipate, and both of them knew their names, but no one said anything on their faces, pretending to be confused. After a few words of gossip, Zhou Liwen talked about the pension system that had just been implemented, and lamented the inconvenience and disadvantages that replacing the previous pension with a pension after the reform of the retirement system in the future will bring to most people.

Director Mao eats the bowl of rice from the bank, and after more than 2o years, the professional level is certainly not bad. When Zhou Liwen unceremoniously pointed out some problems in the implementation of the pension system now, and bluntly mentioned that some future generations may face a huge funding gap because of the dual-track pension system, Director Mao's eyes suddenly lit up, and he secretly praised the other party's vision for indeed having a few brushes.

To put it bluntly, this system looks good on the surface, but the actual operation is ultimately the result of demolishing the east wall and making up the west wall, and the longer the time, the greater the problem will be exposed. However, I think that those who make policies in Kyoto should be aware of this drawback, and I think that this loophole will be slowly closed in a few years. ”

Zhou Liwen shook his head and said: "This is hard to say, let alone a few years, who knows what will happen in ten or two years?" If Director Mao, you are a national civil servant, it would not be a big problem, but now I heard that several major banks have begun to engage in commercialization, and when the original establishment is cancelled, it will not be the same as ordinary people? Take our group as an example, large state-owned enterprises, the leadership is still not low, but in a few years, these levels and things are estimated to be no more, what is the difference between everyone? ”

Director Mao frowned after hearing this, and nodded slightly after a long time.

"There are some things you may not like to hear, but you are not an outsider, borrow this wine today, and the little brother will talk about it casually? Is it just digging out the heart? ”

Director Mao smiled and raised his hand to make a gesture that would not hurt.

Zhou Liwen pondered: "After all, our country is different from Western countries, Europe and the United States are implementing high taxes and high welfare systems, and they have gone through hundreds of years of exploration, and the entire set of medical and pension systems tends to be perfected, but even so, there are still a lot of problems about welfare in European and American countries every year, and the government is anxious. Speaking of this, Zhou Liwen glanced at Director Mao, saw Director Mao nodded in agreement, and then continued: "We Chinese have always paid attention to old-age care with children since ancient times, but in recent years, except for rural areas and ethnic minorities, it is impossible for us urban citizens to do this, as for what the reason is there is no need to explain, most families have only one child, not to mention whether the cultivation of this child can meet the ultimate expectations of parents, even if the child grows up to be filial and capable, what if he is willing to take on the obligation to support the elderly in the future?" When the children are older, they also set up a family, and they will eventually have their own children, and when the time comes, the four old people above, and their own children below, can the heavy financial burden only be borne by the young couples? You must know that the income of two people is enough to support seven people! ”

"Hey...... What is the ...... Reasonable! Director Mao's expression was a little gloomy, he himself has only one son, although his life is not bad now, but the problem is that he and his wife have brothers and sisters, and now they still have a stable income at work, but once they retire, how can they support their children? As for pensions or something, Director Mao himself is an expert, and he knows the Tao better than anyone else.

"So, it's better to rely on others than on yourself!" Zhou Liwen took this opportunity to pour oil on the fire, and said very sincerely: "To be honest, it's time to plan for the future, by the way, I'm here."

e7e

9 You have prepared something, you look at ....... ”

After speaking, Zhou Liwen took out a stack of essays from his bag and handed it over, Director Mao took it and took a closer look, and was immediately stunned.

The insurance period is effective from the retirement of Director Mao, and he only needs to pay 15 years of insurance premiums until he retires, and he can receive a large amount of pension every month. The most important thing is not these, mainly two points, one is that the 15-year insurance premium has been paid in full in advance according to the policy. Second, according to the provisions of this policy, within 15 years, Director Mao can go to the insurance company to surrender the insurance anytime and anywhere with this thing, except for the first year of surrender, which needs to charge part of the handling fee, the remaining 14 years The other party will fully refund the prepaid insurance money, of course, don't think about the interest or anything, the insurance company is not a bank, and it also needs to rely on these to eat.

Zhou Liwen handled the insurance policy for Director Mao and paid a total of 3o yuan in advance, which was enough to make Director Mao's heart beat faster and his breath shorter. That is to say, as long as he accepts this policy, he can get 280,000 cash when he turns around and goes to the insurance company to surrender the policy, and if he goes at this time next year, then the full amount of 3o can be completely owned by Director Mao.

What's more, this kind of thing is not as eye-catching as cash, and second, it is not like a bank account that can be traced, even if the higher-level discipline inspection commission comes to investigate, it is not afraid, as long as you find a place to hide this thing quietly, the ghost knows that these pieces of paper are worth so much money.

(I will go to the exhibition tomorrow, and there may not be more in the afternoon, please forgive me!) I hope you remember to vote for recommendation support, ask for rewards and collections!)

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