As for the vice president, surnamed Li, he was parachuted in from the head office and was responsible for risk management and control. In addition to being specifically responsible for the accounts, he has the right to speak about the bank's daily operations, deposit and loan accounts, and personnel structure, as long as they are related to risks.

And when the president ignores his opinions, he can also bypass the president and report directly to the risk control department of the head office.

Even in extreme cases where the president has committed serious corruption, dereliction of duty, and bad behavior, and may destroy evidence, kill people, or abscond with money at any time, Vice President Li has the power to declare a state of emergency and directly take over the bank.

In a state of emergency, the security team and all staff must obey his orders, and even if he orders the president to be detained, he must not disobey them.

Of course, after the state of emergency, the deputy governor will be subject to strict scrutiny by the head office, and will be severely punished for any abuse of power.

In President Jiang's view, this Vice Governor Li is the supervisor sent down from above, so naturally he never dares to slack off.

Fortunately, although the vice president named Richard regards risk control as greater than the sky, he never interferes in the specific business of the bank, and everyone gets along quite well.

~~

The efficiency of the bank is good, and the treatment will naturally rise.

Take this food as an example, not only can you have three meals a day, but there are also fruits in the afternoon, and there is also supper in the evening. They were all prepared by special cooks, and forty or fifty people in the entire Xuzhou branch let go of eating.

The management also has a special small stove, and there are seven or eight kinds of breakfast every day, which is no different from the restaurant.

President Jiang sat at the round table in rosewood, drinking Wuren oil tea with eight fried dough sticks, and chatting with Vice President Li on the side about the progress of the dispute between the river and the sea.

The three managers were also very concerned about this battle for the group's plans for the next few decades, but they could only listen to it without their interference.

Wu Ji originally had the function of collecting intelligence, and although it was renamed Jiangnan Bank, it was still well-informed.

"It's said to be a draw." Vice President Li drank half a bowl of spicy soup, and he was sweating all over his head.

Richard is a native of Huizhou, and he hasn't been here for a long time, and he is not used to drinking oil tea. However, the spicy soup made with chicken bones and pepper is tight.

"The officials in Shandong and Guangdong abstained, but Lao Xi'er and the Huguang Gang all voted for Caoyun's people."

"These dead pinchers!" President Jiang took a bite of eight strands of fritters, and chewed hatefully: "You will stab a knife in the back!" ”

"Well, who's to say it isn't." Vice President Li came down from above, so he naturally knew the stakes better, and sighed and said, "The whole Jiangnan is waiting for Gongzi to succeed." ”

"So what's next?" Governor Jiang asked.

"It's said that it's going to send someone to investigate on the spot, but in fact, it's all a disguise, and it's still up to the son to continue to fight with them." Vice President Li said: "The head office reminds us to beware of this kind of time, Caoyun Group jumped over the wall in a hurry and attacked us. ”

"Haha, you Lao Li, you don't leave the line in three sentences." President Jiang couldn't help but quip: "It's really competent." ”

"In extraordinary times, it's best to be careful." Richard said with a stern expression: "Yesterday, I took a look at the warehouse, in addition to the silver for the preparation of silver tickets, our inventory of silver is just one million taels, which is too dangerous." ”

Cash silver is the blood tank of the bank, which is the same in ancient and modern times.

"One million taels is not a lot, Lao Li." President Jiang smiled bitterly: "In the final analysis, our Xuzhou branch also eats canal rice. The transportation has been interrupted for several months, and the trading of various businesses is not easy to do, and all day long I only see the silver but not the silver, and the river is dry without water and lakes. ”

After a pause, he said again: "Besides, other people's money banks, the total amount of silver in the inventory everywhere is only a few million taels. We have 1 million taels in one branch, what else do you want? ”

"We don't compare ourselves with others, but our funds are close to the yellow line." Richard sighed: "Of course, it's okay to operate normally, I'm afraid that someone will mess with us." ”

"That's ......" President Jiang didn't say anything now, now the canal from Xuzhou to Huai'an is completely abandoned, and the Xuzhou branch is equivalent to cutting off the financial connection with the head office, and the ability to resist risks is indeed greatly weakened.

"Governor, these days, the pawnshop on the street seems to have made an appointment, and they are buying our silver tickets together." Manager Gou, who was in charge of bank bills under him, finally couldn't help but interject: "And one or two silver bills are given to the official foot bank, and there is also a benefit fee of ten cents, and many people are lining up to redeem it." He also redeemed all the silver tickets on our cabinet and took them to other money banks for arbitrage. ”

With scattered or privately minted silver, the silver bills in the Jiangnan Bank will be charged after weighing the two catties and wheels.

As for the 'official silver' coined by the government, there is no need to pay for fire. A tael of silver is a tael of silver tickets, and the ten cents belong to pure earning, so naturally some people rush to it.

"Hmm." President Jiang nodded, he naturally noticed such a big movement. I went to inquire with the people from each bank, only to say that my own owner couldn't stand it and was going to collect some silver tickets so that it would be convenient for my own depositors to use them.

This kind of thing has happened in Jiangnan a long time ago, and it is reasonable. Moreover, each bank had to pinch its nose and use the silver ticket of its own bank, which made President Jiang feel very happy.

The only unpleasant thing is that the silver coupons have to be withdrawn from the head office, and they can't print them, so they let go of this arbitrage opportunity in vain.

As for the running out of silver coupons on hand, it is not a big deal, anyway, the cash will be paid in the same way, and a report will be made to the head office to allocate another batch as soon as possible.

However, as soon as Richard and Xiao Gou reminded him, President Jiang was a little drumming in his heart.

", they're not going to do anything, are they?" Jiang Dou subconsciously ripped the eight strands of fritters into eighteen sections.

"It doesn't feel right." Manager Gou continued: "It is said that they can collect some enough, why do they have to collect all the silver coupons in the city?" ”

"Do you want to use this way to get our silver coupons out of circulation?" Another manager Mao whispered.

But he ate the eyes of the people, because a fool would do it.

The causal transportation was cut off, and only the bulk freight was affected, and it was impossible to transport cash from Jiangnan, but the silver coupons were not affected.

If necessary, use a few fast horses to transport a large ticket of 10 million taels by land in a few days. Even if those money banks have silver mines, they can't afford Jiangnan Bank to exchange paper with them.

However, behind the abnormality, there must be a reason that they didn't expect.

Everyone thought about it and couldn't figure it out, and at this time, the bell rang for work, and the five had to stop talking.

President Jiang pondered for a moment and instructed the three managers: "You have all been cautious recently, especially the loan issue, and stop for a while." It is said that the head office has strengthened the review, and it will have to wait until the review is passed before it can lend again. ”

"Yes." The three managers nodded.

"There are also those who come to do foreign exchange, and they will talk about it after five days." Governor Jiang added, touching his increasingly bare head, and said to Vice Governor Li: "Let's jointly report this matter to the head office, and let them hurry up to make up for the silver ticket, and it would be best to transfer some cash from the north." ”

"Hmm." Vice Governor Li nodded, the purpose of his reminder was achieved.

However, both of them know that the situation in Linqing and Jinan is not optimistic, whose flesh is dug up by the head office, whose sores are repaired? In the end, eighty percent of them still didn't help anyone.

~~

The guys cleaned the counters in the bank lobby, removed the door panels, and started the day.

The teller in charge of the exchange had not yet sat down firmly on the chair, and many people rushed in to handle the exchange business.

The so-called 'exchange' is a settlement method in which the payer entrusts the bank to pay the money deposited in the bank to the payee. This method is convenient for businessmen to trade in different places, and has always been the main business of Qianzhuang Yinhao. So the teller didn't care at first, and began to verify the seal and check the secret in a step-by-step manner.

The first payer, whose account was opened in the Suzhou head office of Jiangnan Bank, asked for the transfer of 2,000 taels of silver to the payee.

When the teller asks the payee as usual whether he has an account in the bank, if not, he can open one for him for free and deposit the money into it, which is interest-bearing.

But the other party said coldly, no, I don't want to open it, I want cash.

Seeing the other party's resolute attitude, the teller could only reluctantly say that it was okay to ask for cash, but he had to wait for five days.

"Why not give it now? I'm going to pay someone today! The payee blew up on the spot and slapped the table to question, which also attracted the attention of the security guard.

The teller didn't hurry and pointed to the wooden sign behind him and said, "This is the rule." ”

The payee looked back and saw a wooden sign on the wall that read, 'Local cash withdrawal exceeds 500 taels, and you need to notify the money bank one day in advance.' For cash withdrawal in other places, you need to notify the money bank five days in advance. ’

"In the past, it was paid on the same day." The payer also shouted from the sidelines.

"The rules have always been there, and other families have to wait for ten days." The teller said in an angry tone.

"But it used to be paid on the same day!" Not only this payer, but also a few people who were waiting for the exchange behind them also shouted.

"Before, it was for everyone's convenience. Now that the canal is broken, it is very inconvenient for us to solve the payment, so let's be considerate of each other. Manager Mao, who was in charge of the exchange, came over, patted the teller under his hand, and asked him to step aside. He sat down behind the counter and smiled at the crowd outside: "I'm causing trouble to you, but the rules set by the top, we can't help it." It's better to be like this, if this master is in a hurry to pay, I will give you a free acceptance ticket, and the same is true for the other party. ”

The rules of exchange were there, and the payee had no reason to make a fuss, but he still bit the word and asked for cash, and would rather wait for five days than accept a ticket that could also be used for payment.

When asked what concerns he had, the man didn't say anything, and walked out of the bank lobby with a curse.

Manager Mao gave up his seat to the teller and stood behind him for a while, and couldn't help but be creepy.

Because he found that today is like falling into an evil spirit, almost all customers ask for cash, and the payer's account opening place is in Jiangnan, and the silver is all stored in Jiangnan, all of which are exchanged in other places!

Instructed the teller to bite the customer to pay for five days, he quietly exited the front desk.

As soon as he entered the room, he didn't bother to knock on the door, so he slammed open the door of President Jiang's office.

"Governor, it's broken, someone is going to run on us!" Manager Mao's voice was all trembling.

"What?" President Jiang was horrified in his heart, and secretly said that he was really afraid of something!

ps. The second update, ask for a monthly pass!