Zhou Ye listened to the following report, and was also worried about Xu Xiaoai's affairs: "Is there a way for us to improve the efficiency of the transfer?" ”

Zhang ~ Tao, the person in charge of the custody department, shook his head: "This is a national regulation, we have no way to break it, in terms of payment and settlement, trust products must have such a strict operation mode." ”

"How much income has this service trust of Daewoo Trust brought to our bank?"

Zhang ~ Tao said with a wry smile: "The service trust is not profitable in the first place, and now it has only increased the scale of our custody, but it does not contribute much to the profit, because after all, the deposit interest rate we give him is still quite high, and on the whole, it may only be able to maintain balance." ”

"But it increased our deposits, didn't it?"

With the joint efforts of them and Daewoo Trust and the joint marketing of merchants, this scale will be bigger and bigger, not only for deposits but also for custody, which is still profitable from the perspective of Chase Bank.

"Then let's think about it, since we've already started to do it, we can't give up halfway."

Zhang ~ Tao pulled colleagues from the retail department and the information technology department to discuss countermeasures.

But before they could discuss it, Lin Xin'er's phone had already reached Xu Xiaoai's landline.

"Xiao Ai, what's the matter with you? Complaints that have never been made before have been driving our bureau crazy for the past two days. Error-free updates @"

Xu Xiaoai's head grew when she heard it: "Is it a complaint from the service trust?" ”

Lin Xin'er nodded: "I received 5 calls in just one morning, all of which complained that your service efficiency was too low." Let's give us a trip and explain to us exactly what the reason is. ”

Xu Xiaoai had no choice but to hold up a big belly and run to the supervision, Lin Xin'er's belly was also very big at this time, and the two big-bellied women sat together, looking at their respective appearances after pregnancy, they couldn't help laughing.

Both of them put on maternity dresses, and their originally exquisitely dressed faces are now plain faces, and even the appearance of walking is very similar to that of the two of them, swaying from side to side like a penguin.

"What is your due date?" Xu Xiaoai first diverted the topic.

"There should be two months left, don't change the subject, hurry up and tell me what your complaint is about."

"Then you and I are about the same, maybe we will meet in the delivery room."

Lin Xin'er glared at her: "Don't be close, say it quickly." ”

Xu Xiaoai sighed: "Alas, it is difficult to serve the trust, our requirements for the merchants are too high, and we hope that the funds can arrive in seconds, but you know that we are all in the custody system of the custody system, and the interaction between the custody system of Chase Bank and our system is not so fast, it may lag for about two hours, and the merchants can't wait." ”

"Is there any workaround for that?"

Xu Xiaoai shook her head: "How can it be solved so quickly, we have not complained before, mainly this time it is in the barber industry, and they are more urgent about the arrival of funds." ”

Lin Xin'er nodded: "I am clear about the situation, but our requirement here is that there can be no complaints, if there are complaints, your score for consumer rights protection this year must be the lowest, and you can't get any awards if you want to, if there are too many complaints, then don't do this service trust first." ”

The supervision that Xu Xiaoai is most afraid of hearing is this sentence, and stopping their business is equivalent to cutting off their back road.

She actually thought of such a consequence before she came, and it seemed that there was no way to fool this matter by virtue of her personal relationship.

"Don't, Mr. Lin, give us a few more days, let's go to the merchants to investigate first, and then calm their emotions first, and let them withdraw the lawsuit first. Then let's suspend the industry first, and then go to this industry after we think of a way, okay? The service trust has been operating very well, and it would be a pity to stop it directly, and we are now docking with thousands of merchants, and there is no way to stop it. If you stop it directly, it is estimated that there will be 500 complaint calls on this day, and then it will really add a lot of trouble to the bureau~ ”

Lin Xin'er looked at Xu Xiaoai's begging eyes, and her heart softened: "You have to find a way to appease these merchants first, if there are complaints later, I can't protect you, they do."

People will even call the director directly, and there will be no way to solve the problem even for us at that time. ”

Xu Xiaoai came out of supervision, so she could only hold up a big belly and take two people to one barber shop after another to understand the situation.

I brought them a generous gift to apologize, hoping that they can understand the processing time of the current system.

Some are still easier to speak, but some people directly shook their heads, if this is the case, we will not be on your business, there is no benefit to us, and it will add a lot of trouble, it is a big deal that I will not accept this advance payment.

Xu Xiaoai actually doesn't understand, some payment institutions can't settle until the next day, isn't that later than their time?

The merchant said, "This payment institution is different, I can see in real time that the funds have entered my account, if you let me see it." ”

Xu Xiaoai can only say that they should withdraw the complaint first, and they can't get on the service trust, and then say that if the experience is really bad, then let it go first.

Finally solved the few complaints in front of me, the original barber industry, now can only be suspended, and the largest catering industry, now don't even think about it, you have to come up with a way to solve it in order to continue to advance.

After Xu Xiaoai returned to the company, she was dragged to an office meeting, and the topic of discussion today was to strengthen compliance construction. Error-free updates @

Mr. Wei, who is in compliance, reported on his compliance work report this year, which has an article on the identification of beneficiaries of service trusts, which is an urgent problem that needs to be solved.

"Mr. Xu, this part of the work is in charge of you, you can see how to solve the compliance problem of this item."

Xu Xiaoai read Mr. Wei's description of the service trust, all of which were true, but she couldn't solve it, because it was a problem that existed in the early days of the project.

"Mr. Wei, we have already discussed this issue, because the service trust investors are relatively scattered, it is difficult to require them to identify the beneficiary, and we have applied for this exemption before the establishment of the project, why do we bring it out now?"

Teacher Wei rolled his eyes at Xu Xiaoai: "How can it be so simple?" Regardless of whether your company is exempt or not, the regulations on the document are clear, and they will come to check next week, so I will take this opportunity today to bring up this matter first, so that you can prepare, I think this point will definitely be criticized by the regulator. ”

"What is the main purpose of their visit?"

"It shouldn't be an inspection, it's mainly a research. The scale of your service trust is relatively large, and they will understand the current operation of the service trust, and write a report to bring back some problems found. ”

Xu Xiaoai breathed a sigh of relief: "That's a good thing, just ask them for advice on the difficulties in our current service trust work, and see if they have any solutions." ”

Teacher Wei reminded Xu Xiaoai: "They are regulatory departments, and they also hope to have some good experience when they come to investigate, and they can write a report to the above, and you give him a bunch of questions, so don't you have to come again when he comes to the next on-site inspection?" Write it directly into the report, that's a check and an accurate. ”

Xu Xiaoai didn't speak, but she didn't agree with Mr. Wei's statement, she couldn't always put financial institutions and supervision on the opposite side, and there was something to communicate with them sincerely.

Just like her and Lin Xin'er, as long as they don't break through the big principles and bottom line, she and this supervisor have discussed with each other, and this time they came to inspect another department, with a different focus, but Xu Xiaoai feels that the supervision should be interconnected, and their Daewoo Trust has always been legal and compliant.

Daniel Zhang explained to Teacher Wei and Xu Xiaoai: "When they come to inspect next week, I will go out to study, and you must find a way to arrange the inspectors, and then respond flexibly according to the questions they ask on the spot." ”

Time came in a blink of an eye, and the four of the researchers came to Daewoo Trust, and Xu Xiaoai led the team to receive them with a big belly, and the faces were very unfamiliar and they had never seen them before.

The overall work report was introduced by Mr. Wei, who introduced the overall situation of the company, the current business structure, compliance and risk control.

force, as well as the introduction of innovative businesses.

About the service trust part, most of the talk is their achievements in the service trust, from reshaping the social credit system, to help the government strengthen the ability of social governance to say a lot of good things, a full hour, heard later, a few people who came to the survey frequently go out to answer the phone, go to the bathroom, has obviously a little impatient.

After Mr. Wei finished speaking, a director who took the lead in the investigation asked bluntly: "What I want to hear is the difficulties in your current work, not the achievements." @ Don't think that the regulators are here to find fault with you, we are here to solve the problem for you today. ”

Xu Xiaoai's eyes lit up when she heard this, and it seemed to be the same as she thought.

Unexpectedly, Mr. Wei answered in front of her: "Our business is running smoothly and normally, and there are not too many problems." ”

The director on the other side was already impatient: "You have been saying good things for more than an hour just now, we are here to listen to the truth, I don't believe that you have any obstacles in business, we also went to other trust companies, they all asked a bunch of questions." ”

Mr. Wei wanted to say something, but Xu Xiaoai quickly took over the topic: "We have some difficulties, especially in some innovative businesses now. ”

Teacher Wei tried her best to give her a look, but Xu Xiaoai ignored it, and bluntly told several of her current pain points with several researchers opposite.

"One of our biggest pain points right now is service trusts. There is no special regulatory regulation to supervise this kind of service trust, we can only refer to the management of the fund trust to operate, but there are many compliance requirements that cannot be met at all, we feel that this is to be reshaped from the top-level system design, we hope to make the service trust to a separate list, whether it is in the filling of the statement and the management of the process, can give a special status to this special type of service trust, and the most important thing is that we hope that the supervision can give us the settlement function of the approval trust. ”。