As long as the business does not stop, Zhou Ye also breathed a sigh of relief: "Leader, it's not that we are not serious when we take the exam, but that there is indeed too much content and we can't grasp the key points, we hope that we can give us a set of question banks, and we will focus on asking everyone to memorize the question bank in the line."

The exam is only theoretical knowledge, our most important thing is practice, you can go to our site to check, we have done really good in practice, we have not complained about consumer rights protection for so many years. ”

This is beyond Xu Xiaoai's expectations, how could a bank as big as Chase Bank and so many outlets have no complaints?

Even when their trust company customers are not satisfied, they often call 400 to complain, but the good thing is that no one complains to the supervision.

And the content of the complaint is nothing more than the late distribution of interest, the inability to buy the product, etc., but it is just some ordinary complaints, and there is no real online platform.

"Okay, I'll find you a set of question banks, but there are a lot of questions in the question bank, about more than 100 questions, but it has greatly narrowed the scope of your exam, and you should be able to pass the exam if you go back and memorize more than 100 questions."

The leader finally relented, Xu Xiaoai and Zhou Ye didn't run in vain this trip, they went back and sent the question bank down, this time it is much better to have a target, because most of them are multiple-choice questions, in fact, you only need to memorize the answers, this time Xu Xiaoai and Lu Liang gave a death order, everyone must be 100 in the next quarter exam, if the test is not 100, directly report criticism.

And Zhou Ye added this exam to everyone's performance appraisal indicators, if the exam is not 100 in the next quarter, 5,000 yuan will be directly deducted, and those who fail the exam will be scrolled on the big screen, and criticized in various WeChat groups and conference meetings.

At this time, everyone became serious and cautious, and the intention of the theoretical part of the consumer rights protection required by the regulation was carried out.

In fact, this knowledge is also very important, and only when you have a comprehensive grasp can you easily deal with practical problems.

This is Xu Xiaoai's deep experience, as the leader of the whole company, she has more problems to consider, not only at her own level, but also to deal with the supervision above, which has a relatively large impact on the business development of the entire company, so how can the commitment to the business goals she made when she was competing for the job be realized?

It's a problem.

And today she came across another thing: about a window guide. Error-free updates @

The supervisor suddenly called and asked the company to sort out the specific details of a certain type of business, and after the operation department reported it as required, it did not expect to attract the attention of the regulator.

And not only them, but other trust companies in China have also received the same window guidance.

The change of national macro policies has put a lot of pressure on this type of business.

Not only could the original financing business not be done, but even some bond market businesses were suspended.

In particular, some underlying assets are invested in a wide range of investments that are not in the scope of regulatory encouragement.

Xu Xiaoai went to the meeting on behalf of Daniel Zhang, and after returning and other leaders in charge conveyed the requirements of the supervision, and the whole company did not know how to respond.

Xu Xiaoai vaguely felt that this seemed to have a greater impact on their company, but after all, it was not the business she was in charge of, so the feeling in her heart was not too deep.

The relevant business departments are different, it seems that they are only for one business point, but in fact, it is equivalent to stopping their business.

There was a heated discussion within the company, which ensued a series of ripple effects, with several senior business leaders proposing to leave.

The reason for leaving the company is that the trust industry is no longer able to do it, is it really to do these innovative businesses? Let's go to a bank or brokerage.

Originally, Xu Xiaoai had a very optimistic business department head who couldn't keep it, she completely lost confidence in the trust industry, the country's policies round after round, he couldn't see the direction of the industry, and he was unwilling to do the business that didn't make money.

"Mr. Xu, I also have to support my family, the state encourages the birth of three children, I can't even support a child, let alone give birth.

has three children, and making milk powder money first is the most important. To do innovative business is to have a long-term cultivation process, like you, there is a dean Chu at home, there is no too urgent demand for money, but we can't wait, a year bonus can't be obtained, the mortgage can't be broken, children can't be raised, if you want to go abroad in the future, face more economic pressure, what do you let me do? ”

The person in charge of this business department is gone, Xu Xiaoai tried to think about it, how much pressure does she have as the general manager? Can thin shoulders really carry it down?

And more importantly, some businesses have also encountered bottlenecks, such as the trust of stakeholder fund management, although there is a certain scale in the early stage, but it can only be said that it has just reached the breakeven point of profit and loss, and the workload is large, not to mention, if it continues like this, it is indeed not profitable.

They hope that the help Xu Xiaoai can give is to work with the bank to market and turn the bank's customers into trusts, but how to expand the scale is also a big problem for her.

Xu Xiaoai didn't know how Daniel Zhang gave things to the next, although she said with confidence when she was competing, but there were indeed too many practical difficulties, industry difficulties, company difficulties, personnel difficulties, plus lack of resources.

"Mr. Xu, now our biggest pressure is that the funds are too abundant, and all the consignment ~ sales that we couldn't talk about have been negotiated, and the bank wants to set up projects in large quantities. What do you think you can do? ”

This is also the biggest problem that Xu Xiaoai has encountered recently, because of the current shortage of assets, there is no place for funds to go, and the bank's funds are also finding a way, and their trust is also looking for high-quality assets, but the price of high-quality assets is relatively low, how to get high-quality assets, and at the same time meet the needs of various funds, which is too difficult.

"Our own products are not enough to sell, why do we have to do so many consignments ~ sales now?"

"The bank's consignment ~ sales have opened the opening, within the credit line, of course he wants to use it enough, but we promised them the assets before, not with the assets with high prices, and we don't make money in the middle.

If the bank's consignment ~ sales are directly stopped, this is not the best policy, and it will bring great obstacles to our future cooperation and development with the bank. ”

Recently, Xu Xiaoai's hair fell off one by one, and after returning home one day, Chu Yu stared at them for a long time, and helped her pull out the first gray hair that came out of the top of her head: "Xiao Ai, you have symptoms of premature aging, why did you start to grow gray hair at such a young age?" ”

Xu Xiaoai confessed her white hair, took a box and put it in a conspicuous place in the bedroom.

She was just 30 years old, and she was worried about the company's business, and she really bowed to bitter tears.

Chu Yu was even busier, got her all kinds of black sesame seeds, black rice and peanuts and other food supplement materials, boiled porridge and rice cereal for her to drink every day, and forced her to drink a cup every morning.

Xu Xiaoai was very strange, why didn't Chu Yu have any white hair on his head, it stands to reason that he was much busier as a dean than himself, could the thousands of people in their hospital be compared to the hundreds of people in their trust company?

Chu Yu smiled: "My energy may be a little more vigorous than yours, and I have been cultivated and trained for high positions since I was a child, and I am used to it, you started from the grassroots level, and it stands to reason that you should be familiar with the business, but you are under great regulatory pressure now, and you can't blame you."

Zhou Ye is the same, I looked at the circle of friends he posted a few days ago, and a small piece of hair has turned a little gray. @ ”

The financial industry is like this, not only is there a huge pressure, the most important thing is to maintain the country's financial stability, and the pressure of various performance indicators is also the pressure of the bank, Zhou Ye once said to Xu Xiaoai that the bank is only a variety of regulatory indicators, marketing indicators for the front office department, there may be as many as hundreds, layer by layer, not only the front desk has task indicators, but also the middle and back office, such as a credit card, a business staff at the front desk adds 50 new business a year, The new tasks in the background are 10 a year, and they are added every year.

Xu Xiaoai thought about it, then the trust industry is better than the bank, at least they have no performance indicators in the middle and back office.

She went to Daniel Zhang again and talked to Daniel Zhang about her shortcomings in work and her ability to work.

of suspicion.

Daniel Zhang didn't see it that way: "It should be said that Xiao Ai you may be a little weak in some aspects, but your strengths have covered your weaknesses, no one is perfect, I was also slowly getting up in the pits, this road is really not easy to walk, but I hope you have confidence." The most important thing is that I give you peace of mind that the company is handed over, so I strongly recommend you in the review, but the results have not yet come out, and I only have one vote. ”

Daniel Zhang's encouragement gave Xu Xiaoai a little peace of mind, but she still couldn't sleep well during this time, and her mind was like 10,000 horses running back and forth frantically.

Insomnia is very serious, and all I think about is the company's business.

She often asked Chu Yu anxiously: "Will I get depression if I go on like this?" ”

Chu Yu was also very worried about her, and the current work pressure had made Xu Xiaoai a little unbearable.

Every day in the middle of the night, in order not to make noise to Chu Yu, Xu Xiaoai would get up in the middle of the night, go outside for a walk, and come back to sleep after about an hour, but she still couldn't fall asleep after lying on the bed, Chu Yu helped her calculate, and her sleep may only be about three hours a day. @*~~jj.br>

If this continues, her body will collapse, Chu Yu secretly put a little sleeping pill in her bedtime milk~ medicine.

Xu Xiaoai was finally able to sleep well that night, but she still had insomnia the next night, and Chu Yu had to give her another sleeping pills~ .