The next morning, when Lin Xin'er woke up, she found that she had slept on the big bed, and Zhou Ye had long since disappeared.

Lin Xin'er sighed, Zhou Ye last night was like a child who couldn't ask for candy, and she never thought that Zhou Ye, who was usually mature and steady, would also have such a childish side.

The man's body was heavy, she helped him walk around the whole house several times, yesterday she had menstruation, she had back pain, she didn't sleep all night last night, it was just worse, no wonder she slept like a dead pig, she didn't wake up even when Zhou Ye left in the morning.

How did Zhou Ye eat breakfast this morning?

Generally speaking, she gets up early to make breakfast, and her aunt won't come until the afternoon, she walked to the kitchen and saw that there was nothing clean and clean, and Zhou Ye must have gone to work hungry that morning.

She hurriedly called Yu Meili and asked Zhou Ye if he had breakfast.

Yu Meili told her that she had a cup of coffee in the morning and had eaten nothing.

Lin Xin'er was annoyed in her heart, how could she have slept through it?

She sighed, got something to eat, went upstairs to read, and in two days it was the day she went to the exam.

If she can do well in the exam, she will also have something to do, which is better than sitting at home all day and thinking nonsense.

Yu Meili brought a box of small snacks and went to Zhou Ye's room: "Zhou Xing, your wife called to say that you didn't eat breakfast, let me buy you a little refreshment." ”

A piece of cake from the Black Forest is served with a glass of milk and an omelette.

Zhou Ye looked at this simple Western food, and was a little disgusted, usually Lin Xin'er would not make him less than 5 kinds of breakfast at home, all of which were few and fine, and he had already nourished his stomach.

"You put it there, I'll eat it myself later."

Zhou Ye finished eating the milk and fried eggs, put the Black Forest cake on the other side, and continued to work with his head down, the regulatory requirements have been stricter recently, and he has several regulatory meetings to attend.

Several presidents of the same industry will also come to visit him and think about whether there is any prospect of joint cooperation and development.

The performance indicators in the industry also overwhelmed him, and he had to continue to desperately urge the people below to work in order to complete various regulatory indicators and industry indicators.

Every year, city commercial banks have been evaluated, and last year, as a city commercial bank, they have ranked tenth in the country in terms of bonds, and this year they must arch further.

There are also various regulatory competitions, which are things for banks to strive for.

Zhou Ye has already assigned the task, and the most important thing for him is to keep an eye on the business indicators, while the rest of the middle and back office will be handed over to the vice president to work hard.

There are a lot of things going on every day, and if his ability to resist pressure is a little worse, and he is a little negligent in which direction, the position of the head of the bank may not be kept.

Zhou Ye sighed, it would be nice if there were people in the supervision, at least every time they were evaluated or scored, they could be a little looser on their hands.

He has already seen the news of regulatory recruitment, and there may be another group of people who will take on the vacant position, and everyone has a different regulatory style, and he doesn't know how to adapt to the new supervisor.

*

Xu Xiaoai received the relevant documents about family trusts that Zhou Ye forwarded to her, which were very detailed, from the current development prospects of family trusts, Chase Bank's research report and the types of business they have carried out, as well as some specific transaction text templates. @

With these Xu Xiaoai's family trusts, it can basically start operating.

Xu Xiaoai couldn't help but sigh that banks still have manpower, material and financial resources to work hard in one field in this regard, unlike trust companies with insufficient manpower and insufficient strategic research, and they still have to rely on the trial and error of individual people on the road of innovation.

She immediately held a meeting within the department, and set up a special project team within her department, and she wanted to prepare this part of the business before the decision on the company's organizational structure was made.

Ding Liang is the most important member of the project team and is responsible for leading the construction of the feasibility report framework of the project.

Xu Xiaoai divided the overall family trust report into several large parts, the first of which was to analyze the market demand and analyze the possibility of existing customers to do family trusts. This part of her.

asked Lu Liang for help, and asked Lu Liang to divide the customers into layers for her. According to regulatory regulations, only customers with more than 10 million can be family trusts, and Xu Xiaoai also asked Lu Liang to stratify customers with more than 10 million.

She was divided into several grades, more than 100 million, 50 million to 100 million, 10 million to 50 million, and asked Lu Liang to ask them what they thought about family trusts and whether they had any needs in this regard.

The second step is to sort out the company's existing assets and how much of the assets can be allocated to the clients of these family trusts.

But in the second step, the company's assets are relatively single, in addition to the political credit real estate, that is, the capital pool, and even other business varieties, can only be matched with these customers, if you want to go out, it also needs the approval of the company's middle office, not so easy to pass.

This is also Xu Xiaoai's headache, the company's assets are limited, and under the premise of abundant funds and asset shortage, the existing customers are not enough to buy, let alone allocate assets to the customers of these family trusts.

"Xiao Ai, have you ever wondered why these customers want to cooperate with you to do a family trust?"

Xu Xiaoai said loudly: "The first is to believe in my professional ability, believe that I can manage it well, second, he can also be the shopkeeper, he can rest assured when he puts his assets here, and third, I can also ensure that his assets are maintained and appreciated, and there will be no risks." ”

Ding Liang threw out a question: "What you said is right, then I want to ask you, you haven't even seen the customer's face, how can he believe you?" ”

"He doesn't believe me, he can trust Lu Liang, Lu Liang has helped him serve for so many years, can't he still have his trust?"

"This is different, Lu Liang only provided him with trust products before, let them make choices, did not say to intervene in his overall family assets, in the family trust business, I think the relationship between the customer and the financial manager is particularly important, and even the financial manager can become a part of the family, he can tell all the secrets of the family, the financial manager can gain his trust, the relationship between the two must be iron to this extent."

This is Ding Liang's opinion, Xu Xiaoai does not agree: "I don't think that's the case, first of all, the family trust does not mean that only the people in the family can do the trust, this is just a professional service, then if you say so, you must have to be in place to that extent, I think." @ There may be a conflict of interest, and it may be more appropriate for a professional agency to help him manage his assets from the perspective of a third party.

As for the assets you mentioned, in fact, we don't need to know his parents' shortcomings, I just need to know how many assets he is willing to put into the shell of the family trust, and then help him manage them.

Of course, we still need to pay attention to the background of this family, the character of each person, and some credit records in the past. ”

Although Ding Liang is also seriously doing the work assigned by Xu Xiaoai, he always feels that this matter is very difficult.

Xu Xiaoai coughed: "Then the second step is to put it here first, we will find a way to allocate assets, and the third step is to sort out the overall process, within our company, if the family trust is to be launched, what links will be involved, we will make it clear first." ”

"Okay, skip the hardest step and do something relatively simple but tedious."

But in the process of researching the process, Xu Xiaoai and Ding Liang still found that this family trust is not so simple and easy to use.

The company's existing processes are simply not suitable for this set of family trusts.

The company's compliance will attach great importance to the client's instructions, whether the business is a full-commission business, a customized business, or a transactional business done in accordance with the client's instructions, which is not very clear in the qualitative nature of the business.

The risk control department is more worried about the authenticity of the instruction, how to obtain the instructions of the settlor, and whether the settlor can accept the risks arising from the allocation of assets by the family trust, and how to disclose information.

The operation department is Xu Xiaoai, and the department is most concerned about whether the distribution system is supported according to the trust contract.

The IT department even jumped out: "If you want to do this new business, does the company have any approval?" You've built a new system entirely, and that's going to have to be done separately.

Procurement. ”.

Xu Xiaoai sorted out the business process for nearly half a month before finally coming up with a basic framework, and the problem was ten times long, with a dense list of several pages.

The most gloating is Lu Liang: "I told you a long time ago that this business is not feasible, whether you are from the capital side, the asset side, or the business process, there are many problems that need to be solved, if you gnaw off these bones, I will recognize you as a sister." ”

Xu Xiaoai looked at Lu Liang's smile and didn't get angry. @·error-free start~~

And the company has not had a clear statement so far, Xu Xiaoai's proposal to Daniel Zhang is like a stone sinking into the sea, and there is not even a splash.

*

Time passed quickly, and in a blink of an eye, it was the day when Lin Xin'er went to the exam, and after she sent Zhou Ye away in the morning, she took a briefcase and headed towards the exam location.

So far, she hasn't told Zhou Ye that she wants to go out to work, and she feels that Zhou Ye won't care about this matter, and there is no need to say it.

There were a lot of people in the examination room, and there were several classrooms in a vocational school, as if I had returned to my student days, and the paper was full of six pages, front and back.

There are a lot of single-choice, multiple-choice, judgment, short answer, and discussion, Lin Xin'er answered seriously, and when she finished all the questions, it was time to hand in the paper, and there was no extra minute, she let out a sigh of relief and stretched out on the seat. Anyway, she was done.

I don't know the quality of my grades, and I don't know how many questions I have.

"Xin'er, is that you? Long time no see. A man's delighted voice came from behind her.

When Lin Xin'er turned around, she saw a standard Chinese face, as if she was familiar: "Are you?" ”。