This regulatory meeting is at a more formal level, and You Chu took Lin Xin'er to convey the latest regulatory opinions to Daewoo Trust.

"The risks in the industry are frequent, your company can properly solve the previous risks, the meeting is very satisfied, I hope you can raise the awareness of solving the risk to the highest level, the whole industry is more frequent, nothing can be spared from the organization, you are still relatively good. Therefore, strict control and risk are the top priorities of trust companies in the next stage. ”

"As for the direction of innovative business supervision and encouragement, you must firmly grasp it, such as charitable trusts, family trusts, service trusts and asset securitization, which is the main business that returns to the origin of trusts, and you must spend more manpower and material resources on this transformation, while the original financing scale continues to decline. We will also strictly control the approval of projects, do not think about financial innovation, and hit any kind of innovation as soon as it emerges.

In the current situation of the industry is more severe, you want to live don't always want to lie down to make money, you should make hard money, the trust industry has been prosperous for so many years, the dividend of the system is about to pass, I hope you want to recognize your own positioning, in the country's business system, to find your due responsibility. ”

You said it bluntly and sharply, cutting out all the careful thinking of Daniel Zhang and other business departments.

Originally, they have been using their brains on financing projects, even if they can't do financing, they will find a way to do the investment class of single bonds, in fact, to put it bluntly, it is essentially a platform business, but the way of withdrawal has changed, but now the issuance of bonds has also been controlled accordingly, and the coupon rate is relatively low, how to achieve the income that the trust beneficiaries want, they have also used countless brains, but now under the strict requirements of supervision, it seems that some projects can only be stopped.

You continued: "Because some single-debt projects were non-compliant before, we have to think of a way, and this part of the supervision does not advocate doing, please strictly abide by the requirements of the supervision." ”

Daniel Zhang memorized a full book, and he nodded desperately: "Let's go back and immediately study the direction of transformation." ”

You Chu slapped the table: "You are only starting to study now, don't you say that you have already started to do it?" Aren't there many highlights in your previous work summary? How can you tell me that there is no result yet? ”

Daniel Zhang glanced at Xu Xiaoai: "Xiaoai, you can report a few achievements on your side to them." ”

Xu Xiaoai cleared his throat: "We have indeed gone far in the transformation of the business, we now have several types of business models, the first is the asset securitization business, there was originally this team, now it is incorporated into the operation, now the operation is a large operation system, the front, middle and back office have, we have two people to ensure the public offering market, specifically to promote the business of asset securitization, ABS and ABN and other businesses have taken root, followed by the family trust business, this business has not yet been rolled out on a large scale, However, we are already in the preliminary research stage, and we want to invest in the construction of some systems and make preparations first, which is one of our key tasks this year.

Then the third item is the service trust, it should be said that it has achieved certain results, but the system has not kept up yet, the project has been established, and we currently have nearly 10 merchants who are doing manual operations. We have reached a long-term strategic agreement with the hospital to focus on the rescue of newborns and gradually extend to adolescents.

Two days ago we just rescued a newborn baby, she has now fully recovered after the operation, we not only give money, we also care about the follow-up development of these families, so we in the distribution of relief funds, there is also a part of the follow-up medical expenses and some basic family subsidies left for them, with this successful case, we can quickly replicate later, I believe that this year, the scale of the charitable trust will expand rapidly, and the scale of the service trust will not be small after the system. ”

After Xu Xiaoai said this, the face of the supervisor softened a little: "Then it can be seen that you are still doing something." ”

Daniel Zhang said embarrassedly: "In particular, we have been advancing this part of the work, and the most important promoter is led by us Xu Xiaoai, but this kind of business is really not profitable."

We trust companies also want to survive, we not only have to fulfill our social responsibilities, we also have to support so many employees, so in other businesses, we still have to find ways to find some businesses that can improve our profitability. ”

"Improving profitability can not be as profitable as before, to accept the facts, you are a financial service institution, asset management business can also be done, but the asset service business must be put on the agenda, and the regulatory assessment of you in the future will also be accounted for half. If you do more of these unprofitable businesses, your regulatory assessment score will be high, and if you do some business that is not supported by supervision, then the regulatory assessment score will be low, which will have a great impact on your company's future survival, so you should think about it. ”

Daniel Zhang and Xu Xiaoai held a meeting immediately after they returned to the company and conveyed the relevant spirit.

The business departments that are mainly responsible for making money are all sighing, and now they are being forced to transform and move forward on the road to standardization.

Among them, Li Jingjing is the happiest, and now the company's overall resources will be tilted towards her, because her pools are all standardized pools, and some of the bonds she is taking now can also be leveraged trading, and the company wants to make a profit, just see how the level of this part of the leverage is.

Other platforms and real estate business units are the most scratching their heads, and they also have to find ways to transform in this aspect, but without professional experience and suitable business sources, they need to abandon the original track to find a new track.

"The topic has been arranged, now what you should do is to complete it under the homework assigned by the supervision, and make great strides forward in the direction of the transformation of regulatory requirements, you must continue to dig deep into all aspects of the needs of customers, and find the meaning of the existence of your business department under the premise of complying with regulatory regulations."

A few days later, Xu Xiaoai watched another human resource post in the company's OA, and she was surprised to find that she was directly promoted from the director of operations to the assistant general manager.

She sent the news to Chu Yu, and Chu Yu was very happy for her when she saw it: "Not bad, Xiao Ai, I actually have the opportunity to become an executive." ”

Xu Xiaoai's heart is sweet, because the assistant general manager is already an executive, but before she gets the approval of the regulator, she is just an agent, and she has to wait for the supervisor's examination conversation and the final approval.

In the past two days, the attitude of everyone in the company towards her seems to have changed, and even Li Jingjing, who was not on the right side with her, was much more polite, because now after all, Xu Xiaoai is actually on an equal footing with her, and the two have the same positions, and she can't go up if she wants to be above the top.

Daniel Zhang had a good talk with Xu Xiaoai, and promoted her to the assistant general manager because of her contributions to service trust, asset securitization, and other businesses, and decided to hand over the IT department to her as well, because these projects are very demanding in the construction of the system.

Xu Xiaoai's ability and perseverance are very appreciative to him, and he hopes that after Xu Xiaoai becomes the assistant to the general manager, he can make this asset service business bigger and stronger, and become the cornerstone business of the company.

At the same time, it is necessary to explore the direction of making money in this kind of business, this kind of business does not make money in a single transaction, but if the scale comes up, there is still a lot of room for imagination, and he hopes that Xu Xiaoai can think about it in this regard.

Xu Xiaoai came out of Daniel Zhang's office, her heart was full of fighting spirit, she did not expect that the belief she had adhered to for so many years finally had room to display her ambitions, and she could continue to move forward on some of the roads that had been explored, not only for the company and the people in her department, but also for the people in society who needed these service trusts.

Daniel Zhang handed over a series of business such as service trust, asset securitization, charitable trust and family trust to her to promote, and Xu Xiaoai began to get busy like crazy.

If you want to get things done, people are very important, Ding Liang was promoted to the head of operations by her, Lu Shanshan was promoted to the head of the asset securitization department, and Xiao Tian was promoted to the head of the charitable trust office.

As the person in charge of the wealth side, Lu Liang and Xu Xiaoai began to cooperate closely, and the entire company began to advance in full swing in terms of system construction.

"Xiao Ai, Chase Bank heard that there has been significant progress in the system, and I hope we can go there and talk about the follow-up arrangements together." Lu Liang rushed into Xu Xiaoai's office.

This is Xu Xiaoai's specific business cooperation.

As a strategic partner of Daewoo Trust, Chase Bank needs to rely on their powerful system, whether it is a family trust or a service trust.

The original family trust has been extended to a family trust, and this system has been advancing, and the most important step is to do a good job of system docking with Chase Bank.

Xu Xiaoai looked at her schedule: "How about next Wednesday?" ”

"Next Wednesday is the best, President Zhou of Chase Bank will also be there, and they will also listen to the reports of the people below on the promotion of this part of the business, President Zhou attaches great importance to this kind of business, that is, under his promotion, the system can progress so fast."

"Okay, Lu Liang, you come with me then, you make a plan for the relevant needs of family trusts and the products on the shelves, as long as they can accept it, then we can move forward quickly."

"Don't worry, I've done it a long time ago, and I've been waiting for this project for a long time." Lu Liang is full of confidence, he has finally come back to life recently, and he has risen from the trough of his life, Xu Xiaoai likes such a high-spirited Lu Liang, looking at the light in his eyes, she knows that this man's future is limitless. _o_m

Today, Lin Xin'er put a material on her desk, the content of which is Xu Xiaoai's application for promotion to assistant general manager, she looked at Xu Xiaoai's ID photo posted on the material, smiled brightly, and in the sweet and lovely, there was another kind of heroic spirit.

She took a picture and sent it to Zhou Ye: "Your predecessor is very powerful, and he is already about to apply for the assistant general manager." ”。