"We are on this condition, if you can't do it, then we have to find another home." The person in charge of the investment banking department of the other bank directly left this sentence to them.

The person in charge of the other party's investment banking department is surnamed Dong, named Dong Qizheng, and he is also the person who listened to Xu Xiaoai's speech at the peer exchange forum last time.

Xu Xiaoai and Ding Liang didn't expect this bank to be so strong, the two glanced at each other, it seems that this bone is not too easy to gnaw.

"Mr. Dong, this business is very complex, you put forward the requirements of this circular purchase, we have written it down, from the past business experience, the public offering market has been done, but your single business belongs to private asset securitization, the operation risk is relatively large, the most important thing is that the underlying assets of the circular purchase is a high-frequency operation, virtually leveraged, and at the same time, the underlying assets we originally required need to be due diligence one by one, if this structure is adopted, we are not sure whether the assets in the pool meet the pool standardsWe need to go back and communicate with the middle office. ”

Although Dong Qizheng is strong, he still respects Xu Xiaoai, because there are few real professionals who come to talk to him about business, and when he talks about circular purchases, people can't figure out the logic, and now at least Xu Xiaoai and him are still on the same channel.

"That's okay, our specific demands are here, you should be assured of the quality of the underlying assets, our bottom is small and scattered, the actual default rate is not high, this circular purchase model you must not be able to verify the assets in the pool, if you can pass the middle platform, we can cooperate."

Xu Xiaoai thought about it seriously: "Do you have any way to manage the underlying collection of this business with a separate account?" ”

"What do you mean?"

"It is to isolate the underlying assets, the isolation of payment collection, the isolation of investment, and the isolation of your other assets."

"How?"

"I hope you can transfer the money to our trust account, so that we can monitor the payment inside, so that the risk control side may be more likely. @ ”

"Isn't your trust account in the name of your Daewoo Trust? Are you trying to get our borrowers to transfer the money to your company's account? ”

"That's what it means."

Dong Qizheng's brows furrowed: "Our underlying loan contracts are all directly applied online in a fixed format, if the repayment path is changed, it is a little strange, first of all, these customers do not know that we have made asset securitization of this creditor's right, and it has nothing to do with them, and secondly, do you have so much manpower and systems to match and monitor?" Thirdly, in my opinion, this project is only for the later stage of fund clearing and distribution management, if you want to take care of so many things in hand, can you be busy? ”

These few words directly blocked Xu Xiaoai's road, Dong Qizheng said very reasonably, she is just a channel, and I don't know if I can receive ten thousand points if I manage so many things, my department can't manage a few more people.

"If that doesn't work, do you have any suggestions?"

Dong Qizheng thought for a long time: "Then you can open our company's reserve account, and the payment is in our bank, and you can do separate management, you can also inquire, how about it?" ”

Xu Xiaoai feels that this is also an alternative solution: "In this account, we not only have the right to query, but also promise in the contract that you can only use special funds, and there must be redemption arrangements for unqualified assets, so that our risk control can be passed." ”

"Okay! If you can negotiate, then it is possible for you to accept love with all the people you ask for. ”

Now they have met all the standards of the Internet bank's asset securitization business, such as the underlying assets of securitization must have a certain stock scale, so as to form an asset group with similar conditions, and effectively build an asset pool for credit guarantee and credit upgrade.

For example, they must have assets with predictable and stable cash flows, and assets must be restructurable, and the various assets in the bank's underlying asset portfolio are basically similar in terms of maturity, risk, and return levels.

And the most important point is that the credit rating of the underlying assets is very clear, and there is a clear guarantee to support it.

。

"Xiao Ai, if this order is done, it will directly reduce our pressure at the end of the year by more than half."

"Yes, the scale of this order is large, and this is their continuous demand, it is their real purpose to take assets off the balance sheet, and there is hope for next year's project reserves."

"Then we must find a way to take him down."

Xu Xiaoai was a little uncertain in her heart, because the middle office had some opinions on this kind of circular purchase business, and before they communicated with each other in the early stage of business, the compliance officer of the middle office said that this kind of project operation was too risky, and it was completely operated by the other party itself, and as a trust company, it was impossible to control or verify the correctness and error of the data.

Xu Xiaoai was sitting on the high-speed train on the return trip, and Zhou Ye's message came.

Zhou Ye: Xiao Ai, I heard that you just came out of Dong Qizheng? How's the business going?

When Xu Xiaoai saw Zhou Ye's news, her whole body became nervous.

Wormwood: We're almost done talking, just wait to go back and report to the Central Station.

Zhou Ye: I heard that their business is more complex than the average one, and it needs to be purchased in a circular manner, I have experience in this type of business, do you want me to tell you about it?

Xu Xiaoai really needs a senior to give her ideas, but this Zhou Ye is really not a suitable candidate.

Wormwood: Thank you, I don't need it for the time being, I'll go back and discuss it with our Zhongtai first. @*~~

Zhou Ye: If you go back like this and report it directly, it will definitely not be passed, their business scale is large, it would be a pity if you lost it, you come to me, I will give you ideas to ensure that your project can pass.

Xu Xiaoai hesitated, she was also worried about whether her project would be killed directly, but Zhou Ye was the last person she wanted to contact again.

Wormwood: I have something to do at night, can I let Ding Liang go?

Zhou Ye: What do you think? I just want to tell you.

Xu Xiaoai put away her mobile phone, and was fighting between heaven and man in her heart, and as she got closer and closer to City A, Xu Xiaoai's heart became more and more nervous.

At this moment, Chu Yu's message also came in.

Chu Yu: Where have you been floating lately?

Wormwood: On the high-speed train.

Chu Yu: What time do you get home?

Wormwood: Estimated at 10 p.m.

Chu Yu: I've edited all the photos from last time, and I'll wait for you to come back in the evening.

Wormwood: If only you could send it to me.

Chu Yu: Did you forget to help you with psychological counseling?

Wormwood: I've been in a good mood lately, and I don't need to be counseled.

Chu Yu: That's because you haven't met that person recently.

Xu Xiaoai's hand shook, she was struggling with whether to meet this person.

Wormwood: Then you said that if I was going to meet with this person, it was about work, do you think I would be able to hold it?

When Chu Yu saw the information, he felt that it was not good: if you really have to do something at work, then find work time, bring someone with you, and you will be able to stand up.

Wormwood: But he asked me to meet in the evening, and he said he had some work experience to pass on to me.

Chu Yu: Tonight? Must see?

Wormwood: I happen to have some problems in the business that I can't handle, and he said he can help me, do you say I go or not?

Chu Yu made a sighing expression: Then you go, send me the address, I will wait for you next to you, at least your safety will be guaranteed.

Xu Xiaoai's heart was much more settled, and she sent a message back to Zhou Ye.

Wormwood: Then let's make an appointment at a café.

Zhou Ye (seconds back): Okay, I'll book a place and send it to you later.

"Zhou Xing, tonight's meeting is about to start, and the CEOs of all departments have arrived." Yu Meili knocked on the door and came in.

"Today's meeting will allow the compliance department to convey it, and each department will come up with a plan first, and I have something to do temporarily, so I will discuss it tomorrow morning." Zhou Ye picked up his suit and walked out of the president's office in a hurry.

Yu Meili was very surprised, this was the first time that President Zhou threw a room of people down to deal with other things, it must be a big deal, a big deal.

Since Zhou Ye's failure last time, he finally found an opportunity after waiting for a long time to trick Xu Xiaoai into being alone with him.

。

He felt Xu Xiaoai's coldness towards him, and his original confidence in his strength was hit, which also made him panic.

Tonight's meeting is indeed important, and Zhou Ye also urgently notified the heads of various departments to attend the meeting, to convey an important spirit of supervision, and now he can only transfer it to tomorrow morning.

As he passed the hall of the entrance, he looked in the mirror, straightened his somewhat messy hairstyle a little, and drove towards his destination.

The café he chose is not far from the high-speed rail station, and it is a café with a private room.

He was going there in advance to decorate it in the shape that Xu Xiaoai liked.

He knew very well that Xu Xiaoai's past with him was also engraved in the bone marrow, so what he had to do was to help her recall the beauty that the two of them used to have, and the café was a place where the two of them used to come on dates, but at that time they were not in the private room, they were all in the lobby, Xu Xiaoai was always doing homework on the side, and he was responsible for painting her.

That's right, it's a picture of her side face, or one of her smiles.

Zhou Ye's painting skills are very good, and the characters he draws are vivid. @

Generally speaking, after Xu Xiaoai did an hour of homework, Zhou Ye's painting was also painted, the little girl would be very surprised, why is she different today, in Zhou Ye's paintings, Xu Xiaoai is always painted very beautifully, just like a fairy descending to earth, no matter what clothes she wears, what kind of hairstyle she wears, he can draw that kind of pure and charming charm.

Xu Xiaoai looked at such a painting, although he didn't look like her on the lips, but his heart was always beautiful, this is what Zhou Ye was going to do today, he took out all the photos of him and Xu Xiaoai when he had time, and painted dozens of them.

He wanted to fill this private room with photos of the two of them in the past, and this time he chose half of the previous ones, and half of them after they re-contacted.

Zhou Ye has the photos of Xu Xiaoai that he collected, including those of her circle of friends, and the photos of her receiving awards on the company's stage.

He likes to take out the photos before going to bed and look through them, or take out a pen to draw on paper, he wants to record every look of Xu Xiaoai, whether it is smiling at him or being high-spirited on stage, this is the most real Xu Xiaoai, and he likes it.