He silently observed for a long time, began to pay attention to the girl's every move, and gradually learned the girl's name, and also knew that she studied well in school and worked very hard.

And when he was about to create a chance encounter, the two of them never followed up. Because he found that there was an extra boy next to her, at first the two were just ordinary friends, but gradually as time progressed, the two became closer and closer, and he knew that he had no chance.

He helped Xu Xiaoai recall the past, but he was actually helping him to recall, as if he was back on campus again, and the scene reappeared.

Chu Yu's lips began to turn a little purple, he went to the kitchen and poured a glass of water, and drank it silently, the faint boiled water seemed to have a bitter taste.

He returned to the sofa and saw that Xu Xiaoai had closed his eyes: "Xiao Ai, will you continue today?" Do you want to rest first? ”

After not waiting for Xu Xiaoai's answer for a long time, Chu Yu stepped forward to take a look and found that she had fallen asleep.

He picked Xu Xiaoai up by the waist, the girl obediently shrunk into his arms, he directly carried her back to his big bed, covered her with a quilt, and the two of them hugged each other and slept together.

Chu Yu's last question was too sharp, so sharp that Xu Xiaoai obviously wanted to escape.

She simply closed her eyes and fell asleep directly, some things are not something that Chu Yu can say immediately if she wants to know, it is like the cancer left in the bottom of her heart, she needs to dissect it little by little, suck out the pus that has melted inside, and then dig out the rotten flesh and let it grow again, it may be a long process. @·error-free start~~

Early the next morning, Xu Xiaoai's face was covered with a smile again, as if everything last night had been forgotten by her, Chu Yu looked at her worriedly: "Are you okay?" How is it okay to continue tonight? ”

Xu Xiaoai's eyes were a little evasive: "I don't know if I have the courage to say it, but I still have very important things to do today, I'll go and deal with the work first, and come back at night to see the mood." ”

She was about to leave, but Chu Yu grabbed her: "Then you promised me not to see Zhou Ye today." ”

Xu Xiaoai nodded: "It's nothing important, I won't go to see him." ”

As soon as Xu Xiaoai arrived at the company, Zhou Ye's information had already chased after him: "Xiaoai, you were not feeling well last night, and I haven't made it clear to you about the circular purchase, do you want to come out for dinner at noon?" I promise not to show you the old stuff again. ”

Wormwood: No, if you really want to tell me, just send me a WeChat message, I'm going to be very busy today.

Zhou Ye looked at Xu Xiaoai's WeChat, feeling a little bitter in his heart.

He sent the case of the circular purchase he had done before directly to Xu Xiaoai, and highlighted the risk points and key elements in it, prompting Xu Xiaoai to focus on it.

After this element was brought, it was really helpful to Xu Xiaoai, and she was more confident when she went to negotiate the project with Zhongtai.

She held a meeting directly with Ding Liang, Lu Shanshan, and the newcomer Su Jin to train this latest business architecture.

Make them very big.

"Xiao Ai, the underlying distribution of asset securitization is already complicated enough, but now with circular purchases, I don't think we can do it without a system." Lu Shanshan was the first to complain.

"No, you're wrong, Shanshan, with the asset securitization system, we still can't do it for revolving purchases. You have to know that recurring buying is a cycle based on tens of thousands of assets. In this kind of business structure, there is no way to confirm the underlying assets one by one, and they can only be controlled according to the settings in their systems, and the Internet bank is very powerful in the system, and through the audit of the internal system, we can see whether it meets the standards of our pooled assets, and we will also let them promise that if the assets that do not meet the criteria for entering the pool, they must be redeemed, so what we need to check is the underlying data that they transmit back in real time. ”

Ding Liang raised his hand and asked: "You also said just now, there are tens of thousands or even hundreds of thousands of pieces of underlying data, how can we verify them one by one?" ”

"There is definitely no way to verify, we can only do spot checks or entrust external lawyers to check, and the most important thing we want to check is the setting of their system, if the system control is done well, then there will be no problem with the underlying assets, we can agree in the contract, if the bottom.

The assets are fraudulent, and all the responsibility lies with them. ”

Su Jin said weakly: "When we inquire about the flow every day, do we need to check the payment of the underlying assets?" ”

"No, we can set up an account for asset collection. The collections in the account are also controlled by their system, we only need to check whether the total number and the details of the collection controlled by the system are consistent, if the two can match exactly, then we don't care. ”

Lu Shanshan: "We can only ensure that the total number is matched, and the details can't be checked at all." ”

"If we are actively managing the project, then we have the responsibility and obligation to check whether the underlying payment is consistent, but because of this kind of revolving purchase business, we are actually the role of transaction management, and the fees charged by asset service institutions are several times higher than ours. This responsibility and obligation can be thrown to him in the contract. ”

Ding Liang was still fiddling with his little abacus there: "I think if this kind of business is done in this mode, can we charge a little higher?" ”

Xu Xiaoai sighed: "If you want to close up, there must be a good reason." ”

Ding Liang listed the 123 articles he wrote for everyone to see: "You see, the survival management of this type of project is quite complicated, and we need to check the flow of the project every day to compare the number and amount of the underlying assets. Second, after the circular purchase of such projects, they are equivalent to adding leverage to their original funds, and they can earn twice as much as the original income during the period of this circular investment, and this piece is all for themselves except for the priority. ”

Su Jin was a little puzzled: "Why is it all for himself, is the loan service agency the last?" ”

Lu Shanshan pointed to the distribution order and showed Su Jin: "No, the inferior ones are all purchased by their affiliated companies, so all the money earned and the final balance is given to the inferior ones, the original income we calculated as inferior may be 8%, but now it may be 16% if we look at it." ”

"Yes, Xiao Ai, look at them making so much money, although they can't see it in name, but all the profits are inferior, shouldn't we charge more money in the middle?"

Xu Xiaoai also wants to collect more money, but now there are many people rushing to do this kind of business in the market: "We do not bear the substantive risk of the project, only bear the intermediate management and operation risk, this kind of transactional project can not collect too much money, everyone must be calm, this money should not be earned by us." ”

Ding Liang was a little unbalanced in an instant: "Xiao Ai, you see that we travel all day for these businesses, and Shanshan and Su Jin are anxious every day at home. This kind of business is really not profitable, think about the non-standard financing we did, it is really fragrant. @·Error-free start~~ Other business departments make a lot of money every year, and we work hard to see the scale and the final fee is not worth a fraction of them, which makes me a little unable to raise my head in the company. ”

Xu Xiaoai is very confident in this: "Ding Liang, you are wrong, you must know that our kind of business is a business that has been encouraged by supervision in the future, regardless of whether the trust company can do non-standard financing in the future, but our business must be the source of long-term development."

Although you don't think the fee is high, but after our scale is large, maybe more than half of the overall scale of the company is contributed by us, so do you say that our status is important? ”

Lu Shanshan also agrees with this: "Ding Liang, you have to take a long-term view, you can't be too greedy, the pursuit of short-term profits is of course very fragrant, if you want to do it in this company for a long time, you must be the same as the securities company, you can enjoy both the benefits of the bull market and the losses of the bear market."

These years are big years for trusts, so don't you think there will be small years for trusts? When I was young, other business departments had nothing to do, and I watched our department flourish and flourish, did you still think you couldn't hold your head up at that time? ”

Ding Liang thought about it: "Okay, then I'll hold myself back first, and I'll give them an eyebrow in two years."

Xu Xiaoai slapped the table for the last time: "In a company, no matter how expensive or low, work is the most important part of the company, since you exist, it is reasonable, at least it is much smaller than the risk of our original industrial and commercial enterprises and the pharmaceutical industry." I.

What we have now is just some operational risks, which will not make you unable to sleep because the loan cannot be recovered, I think several of us have a deep experience before, so steal the fun, doing the financial industry is to manage risks, and what we have to manage now is only operational risks, a few of us act separately, Shanshan Ding Liang and the two of you will write a due diligence report, Su Jin, you quickly take over the management of all the existing projects, and I now want to communicate with them in the middle office. Introduce our circular purchase structure to them to see if there are any materials that need to be added, and find a way to get the 15 billion yuan of the Internet bank, and we will almost complete the task at the end of the year! ”

Several people took the lead and left, and Xu Xiaoai pulled the compliant Mr. Wei to discuss the compliance risk first.

"Recurring purchases? You're too risky, are you sure there won't be a problem with the underlying assets? You'd better go to risk control and communicate with each other first. ”

"Mr. Wei, basically there is no credit risk on the risk control side of our project, and all of them are compliance risks and operational risks, so it's useless for me to communicate with them. @ Don't you have to check it on your side? ”

"My side of the gatekeeper also involves the underlying assets, do you mean that you don't care about the underlying assets? Isn't that a little too bold? ”

"No, no, we definitely don't care, we just transfer the responsibility of this management, and we take spot checks or lawyer due diligence to supplement the deficiencies in this regard, which is also recognized by this Internet bank."

"In that case, you can pull up a list of their underlying assets first."

Xu Xiaoai was a little embarrassed: "Mr. Wei, I asked them for a list of underlying assets, there are about tens of thousands, this is just a little bit of it, because the amount of data is too large, he can't pull out the list for us, but he promised to write us the logic of the underlying loan, do you think this is okay?" ”。