You Chu's tone softened a little: "I know it's quite difficult for you, but this matter can't be done, although it's only a draft for comments, but this is the regulatory orientation, you must first come up with a rectification plan, which will be officially implemented on January 1 next year." ”

Lin Xin'er continued: "We also analyzed your company's business before this, and the main thing to rectify is several capital pools, the most important one is Li Jingjing and Mr. Li's side, and there are some other projects that are rectified, all of which are Xu Xiaoai's side, and all the projects are managed by net worth. I'll be here for a week, firstly, to check your existing project structure, and secondly, to ask you to make a corrective action plan within a week, and we will report directly to the meeting after a week. ”..

Everything has been explained clearly, Lin Xin'er is really working in Daewoo Trust, and in this week, Li Jingjing and Xu Xiaoai have been very busy.

The most difficult thing for Li Jingjing's capital pool is that the original non-standard products in it must be replaced, but if you want to replace it, you must have new funds to dock, and it is not so easy to dock these assets within three months.

The problem on Xu Xiaoai's side is that there is no system and no personnel, and within three months, it is impossible for her to directly go to a new non-standard valuation system, and the only way is to transform the original system.

She wrote a first draft of the regulatory document, and it was very difficult to get it done within three months, so she thought it would be better to show it to Lin Xin'er first, and then revise it if it was not feasible.

Lin Xin'er's office was temporarily converted from a conference room, and when Xu Xiaoai went in, she found that Lin Xin'er was not there, maybe she had gone to the bathroom, and her computer screen was not locked, and the page was full of questions related to IVF.

Could it be that Lin Xin'er also encountered such a problem?

Xu Xiaoai sat there and waited for a while, and after Lin Xin'er came back, she was embarrassed to find that her computer screen was not locked, she glanced at Xu Xiaoai, and didn't know if she found it.

"How's it going, do you have a plan?"

Xu Xiaoai showed her plan to Lin Xin'er, and the two discussed the details of the plan for a while, and sure enough, for the order that they must complete within three months, it is impossible for Xu Xiaoai to bargain, which brings great difficulty to her transformation.

Lin Xin'er gave her an idea: "If it really doesn't work, you can ask an outside consulting agency to help, they are more experienced in this area, especially the brokerage has been doing it for so many years, and it has long been supported by mature systems and personnel, you can also go to these companies to learn." ”

Xu Xiaoai nodded, if she couldn't do it herself, it seemed that she could only ask an external agency for help.

After talking about business, Xu Xiaoai quietly asked: "Are you going to prepare for IVF?" ”

Lin Xin'er was indeed a little embarrassed: "Ah, I'm just looking." ”

Xu Xiaoai thought about it, and still told Lin Xin'er what happened to her: "I had the same idea as you before, and I also wanted to do it, but I met a girl in the hospital, and she told me that it hurt a lot to do this, and now Chu Yu and I have decided not to do it." ”

"No, is it your family's Dean Chu who said that the damage is great? What I searched on the Internet was, as long as it was a formal medical institution, the harm would not be very great, and now there are countless successful cases. ”

Xu Xiaoai's eyes rolled: "Then does your Zhou Ye agree?" ”

Lin Xin'er sighed: "He didn't agree at all, so I watched it in vain." ”

Both women seem to have become a little sympathetic because of the birth of a child.

Xu Xiaoai pondered the sentence: "In fact, the matter of having a child or not having a child still depends on fate. ”

Lin Xin'er smiled bitterly: "You may follow fate and don't have too much pressure, but I am different from Zhou Ye, we are both only children at home, and we have more pressure on the inheritance than you." ”

Xu Xiaoai's brain teaser was in a hurry, and she suddenly remembered that Zhou Ye wanted to do a family trust before, Lu Liang didn't talk about it for a long time, and she suddenly had an idea: "Then your family can do a family trust, even if you don't have children, can you do wealth inheritance?" ”

“。

The function of family trust is too advanced, and my parents are still relatively conservative in their thinking, so they may not be able to accept it. ”

"So they're going to let you have a child to inherit the family business?"

Lin Xin'er nodded, and a wry smile overflowed at the corner of her mouth: "But Zhou Ye and I didn't expect that pregnancy would be so difficult." ”

"Even if you have a baby now, it will be at least 20 years before he grows up and can take over. I think it's too long, Xin'er, why don't you consider considering a family trust, with a family trust as a guarantee, you will be able to hire a professional manager calmly, whether the child grows up or not is not so much pressure for him, so that your parents may be able to liberate a little earlier, if their health is good, they can continue to insist on managing your huge family business, that is the best, but in case they also want to rest, you can do a family trust earlier can also let them retire early, Isn't this a place where children should be more filial? ”

Xu Xiaoai's words made Lin Xin'er feel a little tempted, the family trust is supervised by her, of course she knows what the benefits are, but to persuade the family to do the family trust, there may still be a problem of concept acceptance.

In the past few days that Lin Xin'er has been here, Xu Xiaoai arranged for Lu Liang to bombard her with the knowledge of family trust every day, and made it clear to her all the benefits and the direction of the asset allocation they can have now, and analyzed the design of the equity structure for her and how to maximize the interests of the holders.

Lin Xin'er was more and more moved by what he said, and now if he can't have children, family trust seems to be the best solution.

Xu Xiaoai also followed Lin Xin'er's advice to her for the implementation of regulatory documents, and found an accounting firm to help her do the overall net-worth transformation plan. @*~~

All non-standard products are valued on a held-to-maturity valuation basis, with charges and benefits accrued on an accrual basis.

Because most of their products are fixed income products, it is very simple to estimate the net worth. In the final report to the regulator, Xu Xiaoai wrote: "We will first conduct a cash flow test for each product, and distinguish the valuation method that should be adopted according to its holding purpose, if it is held to maturity, we will use the amortized cost method, if it is for the purpose of trading, we will use the market value method, and the expected credit loss model is rebuilt by risk control, according to the amount of our existing non-standard products. Databases may be outsourced to achieve an extract of expected credit losses. ”

Lin Xin'er felt that Xu Xiaoai was really professional, and she only knew a rough idea of these proper nouns, and she was not as clear as Xu Xiaoai's thinking, and the original problem of non-standard valuation was solved by Xu Xiaoai.

And the most headache is Li Jingjing, the valuation of the capital pool is much more troublesome than non-standard products, and finally Li Jingjing came up with a plan, which is to replace all non-standard products from the pool, and her pools are completely standardized pools, and the net value is carried out by outsourcing institutions.

What she has to do is to replace all the non-standard products in the pool within three months, and then find a suitable outsourcing agency to outsource all the valuations of the three pools.

Li Jingjing reiterated again at the office meeting: "The company must buy the valuation system, we can't just rely on external valuation, in case they make a mistake, all the responsibility is still borne by us." “

This is the first time that Li Jingjing and Xu Xiaoai have joined forces, and the two have the same interests, and they are also very urgent about the procurement of the valuation system.

In this way, after the successful completion of the regulatory inspection, the company made a major decision to meet the requirements of net-worth products. The system has been completely revamped.

After Lin Xin'er was moved, she asked for leave and went back to her parents' house.

Originally, Zhou Ye wanted to accompany her, but he refused, which was also her mother who called her some time ago to ask her to go back.

Lin Xin'er's parents were in Z City recently, and they were happy to see Lin Xin'er come back.

Lin Xin'er deliberately wore a very decent suit, her nose and eye makeup were carefully retouched, she wanted her parents and saw that she was doing well.

Sure enough, Mother Lin saw that her daughter was very.

was happy, and kept praising in his mouth: "After this daughter gets married, you can see whether she is happy or unhappy from her face, you can see that you are now rosy and have a smile on your eyebrows, and you will know that you are getting along well with Zhou Ye." ”

Lin Xin'er took out all the gifts she brought to Lin's mother and Lin's father, one was Lin's mother's favorite jade gem, and the other was a pipe made of jade that Lin's father bought, which made the two of them happy.

Mother Lin's eyes were full of smiles: "Does this daughter have something to ask us?" How did you suddenly become so generous? ”

Lin Xin'er coquettishly sat on the expensive soft leather sofa next to Lin's mother, which was extremely comfortable to sit on.

She directly grabbed Mother Lin's arm: "This is my savings for so long, and all of them have been contributed to you." ”

Father Lin sighed: "Alas, our daughter has finally grown up and has the ability to support herself, what a happy thing." ”

Lin Xin'er looked at Father Lin, now her sideburns are a little gray, and the wrinkles on her face have increased significantly, especially the Sichuan character line on the center of her eyebrows, which seems to be deeply engraved in the texture of her skin like a knife.

"Dad, is everything normal in our family now?"

Father Lin sighed: "How can there be smooth sailing, now fortunately you and Zhou Ye are married, and our two families can be regarded as helping each other." It can't be said that it is as prosperous as before, but at least it is not a problem to maintain the livelihood of this one factory person. _o_m ”

When Lin's father was young, the business was very large, and a lot of business was done overseas, so Lin Xin'er was abroad for a long time.

However, the business environment abroad is becoming more and more severe, and since Lin Xin'er married Zhou Ye, the Lin family has gradually adjusted their business to China.

"Dad, Mom, it's all daughters who are unfilial, if I were a boy, I could have shared everything in the family for you a long time ago." Lin Xin'er handed the cup of tea in her hand to her father.

Dad Lin waved his hand: "What do you say?" You are the treasure in our hearts, and when your parents reach a certain age, they can't do it, so they sell all this family business and leave all the money to you or to your children. ”。