Volume 4: The World of Great Conflict Chapter 0464: Another Scheme of Cutting Leeks
Nan Yi watched TV with Nan Ruoyin for a while when there was a knock on the guest room door.
The person who came was Ma Shimin. As soon as he entered the door, he said to Nan Yi: "Boss, I am very sorry. It was my poor management that caused this kind of thing to happen to Nanguo Bank."
"Simon, don't say that. Nothing can go smoothly. It is inevitable to encounter some problems." Nan Yi waved his hand and said, "It's not scary to encounter problems. As long as we plug the loopholes, it will be fine.
This incident has shown that there are major problems with our bank’s risk control mechanism.
We must improve our bank’s loan review system, rebuild our risk control department, conduct due diligence on the old employees who stayed, and dismiss those who should be dismissed or laid off.”
"Yes, I am ready to do so and I am already in the process of doing so." Ma Shimin said, "I am going to screen all the people in the bank, and if there are any problems, I will ask them to hand in their resignations."
"That's what we should do, but we should slow down a bit. I want to see what Liang Bing and Jiang Wenwei will do next."
"Some action has been taken. Liang Bing has another client who wants to apply for a loan of 5 million. The approval report has been submitted to the risk control department, and Jiang Wenwei's team is still responsible for the review."
"Then continue with the original process. These two are quite courageous and their appetites are getting bigger and bigger. Okay, I will handle them myself, and you just need to continue to be responsible for the normal business of the bank.
I have an idea to share with you. People in Hong Kong have a strong gambling habit, whether it is betting on horses or crossing the sea to Macau. Plus, there are many underground casinos in Yau Tsim Mong and Sham Shui Po. When they have nothing to do, many people go there to gamble.
In addition, there are the stock market, foreign exchange and futures, and Hong Kong people are also very enthusiastic about these three things. Whether it is investment or speculation, there are naturally gains and losses.
We invite the winners to deposit their money in our bank; as for the losers, they will naturally need to recoup their capital.
In order to help those who have lost out temporarily to start over, I suggest that our bank launch a loan project with relatively low interest, called Baisheng Fugui, with the slogan: "Life is full of ups and downs, and the South Country will help you climb to the top."
We also try to lower the loan review standards. As long as the customer can deposit the property title in our bank, we can give him a loan amount of 80% of the house price. If the house is worth 500,000 yuan, we will give him 400,000 yuan, and the money will be directly transferred to the customer's account in our bank.
Even if the amount of money a customer needs is less than 400,000, we will give the customer 400,000 and directly deposit it into the customer's account. The customer can withdraw the money at any time. If the customer does not withdraw the money, no interest will be charged. The interest will be charged based on the amount of money the customer withdraws."
"Boss, although our bank does not need to use our bank's funds to deposit money into customers' accounts, it only adds a number to the customer's account and our bank has one more data record. However, if a large number of customers withdraw money at the same time, our bank's liquidity may not be able to keep up."
"You are talking about a more extreme situation. The possibility of this happening is small, but it is not impossible. Therefore, Adam Bank will prepare a reserve for you to prevent this situation from happening. By the way, it is not cash, but gold."
"It doesn't matter whether it's cash or not. With gold, the bank can temporarily borrow funds from other banks. But I think the Yum Fortune project should not be too big. We must control the risks.
Boss, you are betting that housing prices in Hong Kong will continue to rise in the next few years, right? "
"Yes, for the gambling type of clients, I estimate that more than 70% will not have the opportunity to redeem their property deeds; as for those who engage in other speculations, only about half of them can redeem them. My real purpose for the Yum Fortune project is actually to take back the property.
Of course, in order to make sure that we don’t look too bad, we will set up a Rachel bad asset disposal company, which will not be affiliated with Southland Bank on the surface. When the buildings taken back by the Yum Fortune project are sold directly to this company at a 20% to 30% discount.”
When she heard the word "Rachel", Nan Ruoyin looked at Nan Yi from her eyes fixed on the TV, and then giggled. She knew that she would definitely have shares in this company.
"Simon, you can rest assured that Rachel's company will also be counted in your performance."
"Thank you." Ma Shimin nodded and said, "I will start this project after I go back and discuss it with others. Boss, my Cantonese is not very good yet. I don't understand what you meant by 'dan zha' just now."
"Dan Zha means to hold an umbrella. Umbrella and scatter are homophones, and it is unlucky to scatter money. Umbrella in Cantonese becomes zai, and holding an umbrella also becomes dan zha."
"I understand." Ma Shimin nodded.
"Haha, this sentence is very appropriate. You have grasped the essence of Cantonese and got the hang of it faster than I did at the beginning. Tomorrow is the weekend. Let's go to the shooting range together in the afternoon. You haven't touched a gun for a long time, right?"
"Okay, I go to the shooting range occasionally, but I can only shoot competitive pistols, which is not very exciting. How about going to Shek Kong tomorrow? I have a comrade there, so it will be convenient."
"Okay, I'll follow your instructions."
Nan Yi and Ma Shimin chatted for a while, and then Ma Shimin left.
After Ma Shimin left, Nan Yi was thinking about giving Ma Shimin a generous gift during Christmas this year. However, the yacht was a bit late and he couldn't think of what to give for the time being, so he had to find someone to discuss it.
Ma Shimin sees himself more as a professional manager and is not very close to Nan Yi. Nan Yi needs to get closer to Ma Shimin.
"Dad, do you want to continue collecting the building?"
"Yes, Dad is optimistic about the property market in Hong Kong. The money is just there, and if we don't pick it up, someone else will take it away."
As Nan Yi spoke, he took off his shirt, found a basketball vest from his suitcase and put it on, then changed into a pair of beach pants.
"Do you want to change your clothes? Let's go to Temple Street to eat barbecue and drink iced beer."
Nan Ruoyin looked down at the princess dress on her body and said, "No need, Dad, I can wear it like this."
"Okay, then you can wear it like this. Let's go and have dinner."
"Dad, carry me on your back."
"Okay, come up."
Nan Yi squatted on the ground, and Nan Ruoyin threw herself on his back with a smile.
As soon as Nan Yi carried Nan Ruoyin out of the room, Nan Ruoyin asked, "Dad, you wanted to name the new company Rachel, right?"
"Little girl, you have to be strategic when talking to me now, why are you beating around the bush? Okay, you will have shares in the company. Your birthday this year has passed, and daddy didn't celebrate with you. This year is 1984, so daddy will give you 1984 buildings for you to collect rent."
"Dad, I'm 9 years old this year, shouldn't I add 9 as well? If not at the very beginning, then at the very end."
"Wow, little girl , you're asking for too much. 91,984 buildings. Even if daddy puts all his money in, it still won't be enough. I can only give you a thousand. If you want tens of thousands, you have to make it on your own."
"Okay, one begets two, two begets three, and three begets all things. Now that we have 2,000 buildings, we won't be far from 20,000."
"Two thousand? Little girl, how many houses have you collected without telling your father?"
"Not many, only about a hundred buildings, so few. All the rent I collected was used to pay the mortgage, and I still owe a large sum of money to the bank." Nan Ruoyin said pretending to be aggrieved.
"Come on, you've played your tricks on me. Your loan is not mortgaged by your house. You're just asking me to take the fall. How many times has your Aunt Liang guaranteed you?"
"Only three times. I gave Aunt Liang a bribe and treated her to McDonald's twice."
"Humph, next time you go to McDonald's, I will break your legs. Do you have a Wonderful Fortune store at home? Why don't you leave the money for your own people to earn?"
"Auntie Liang specifically asked me to go to McDonald's. It wasn't me who wanted to go. If you want to blame someone, blame Auntie Liang."
"You are also good at passing the buck."
"Of course, my father taught me, so I'm good at everything." Nan Ruoyin spread out his hands and pretended to fly, "Horse, charge!"
