When it came to the seventh day of the first lunar month, Nan Yi's New Year holiday ended and his mind turned to work again. It was time to deal with the issue of counterfeit credit cards that he had put aside before the New Year.
Around eleven o'clock in the morning, Fan Qingyun drove to Yau Ma Tei, parked the car on the side of the road, walked into a tea restaurant at the intersection, and came to a table where two men were sitting. In fact, one was the guy she had made an appointment with, and the other was a handsome guy with fair skin whom she did not recognize.
"High student."
Fan Qingyun sat down opposite Gui Ligao.
"Miss Fan, right?"
Fan Qingyun nodded and did not correct the fact that her last name was "Fan".
"Look." Gui Ligao pointed at the young man next to him, "This is Gu Zai, he can take you to find Da Tian Er."
Fan Qingyun looked at Gu Zai, thanked Gui Li Gao, and then took Gu Zai to the parking lot. As soon as she walked out of the tea restaurant, Fan Qingyun saw a man in military uniform standing next to her car and issuing a ticket.
Quickly walking forward, Fan Qingyun came to the side of the military uniform, "Sir, are you mistaken? I only stopped for less than ten minutes."
Before entering the tea restaurant, Fan Qingyun put coins into the yellow parking meter.
There are metered parking spaces on the side of Xiangkeng Road with time limits. The yellow meter is for half an hour, the brown meter is for one hour, and the blue meter is for two hours.
"I'm sorry, I'm not giving you a ticket."
He covered his notebook with his military uniform and smiled apologetically at Fan Qingyun.
"It's okay, Sir, you've worked hard."
Smiling back at the military uniform, Fan pointed to the passenger seat and after they got in the car, Gu directed Fan to drive the car to a warehouse-like building in Sha Kok Mei, Sai Kung.
"This is an underground cockfighting arena. Da Tianer often hangs out here. I wonder if he will come here today." Gu Zai said, pointing through the car window.
"It's not even noon yet. Are you sure the cockfighting arena is open for business?" Fan Qingyun asked, glancing at the warehouse.
"Here we have cockfighting during the day and black boxing at night. The first match is at one o'clock in the afternoon, I can't go wrong."
Fan Qingyun always felt that this was not very reliable. If Da Tianer didn't come, she would have to wait here, so she asked again: "Do you know where Da Tianer will go? Or do you know where he lives?"
"I don't know where I live, but if I want to block Datian 2, this is the easiest place."
After Gu Zai said this, Fan Qingyun had no other choice but to wait. She moved the car to a place where it was easier to observe, walked to the corner, took out a pack of cigarettes from her pocket, and handed one to Gu Zai.
Fan Qingyun is a human, not a god. Before, she and Ruan Zhiling were responsible for Liu Zhen's safety. Most of the time, there was no one to take over. In fact, there was not much time to follow closely, and more time was spent on waiting.
The wait may be three or four, or even six or seven hours. They cannot leave their posts without permission, nor can they take out a novel to immerse themselves in reading. In order to relieve boredom, Ruan Zhiling chooses to eat pine nuts, and Fan Shi Qingyun chooses to smoke.
Being a bodyguard, especially when there is no one to take turns on duty, is not an easy job. Fan Qingyun now works in a debt collection management company. Most of the time she works from nine to five and does not need to be tense all the time. Although she has to run around frequently, it is much easier now than when she was a bodyguard.
All businesses involved in credit will cooperate with one or several debt collection companies, and personal/small business bad debts that are difficult to collect and have been overdue for a long time will be sold to such companies at a low price.
Nan Guo Bank also has bad debts. When credit card payments are overdue for a certain period of time, the collection work will be transferred to the collection management company. The company itself does not collect the debts, but bundles N bills together and transfers the debt rights to external collection companies or associations.
To put it bluntly, the collection management company is engaged in the processing of non-performing assets, but the collection management company handles small amounts that are not suitable for litigation. For large amounts, Nan Guo Bank will hand them over to PY Securities for processing.
However, the non-performing asset ratio of Nan Guo Bank is not high, and there are very few large non-performing assets that need to be dealt with. This is related to the fact that Nan Guo Bank reflects more of the characteristics of an investment bank, and lending is not its main business. Even the housing loan loophole has been tightened since the past two years.
The reason for the tightening was that in 1988, Nan Yi implemented a mortgage plan of 2 billion Hong Kong dollars in Chuangyi Real Estate, with a 10% down payment and the rest paid by rent. Since it was a loan to pay the mortgage, it certainly could not have been a loan from Southland Bank, but from other banks.
Borrowing from others with your left hand and lending out with your right hand is like taking off your pants to fart.
Moreover, South Bank does not have so much deposits to lend out. The bank does not accept all deposits. To open an account in South Bank, the minimum deposit is 50,000 Hong Kong dollars (soon to be 100,000). South Bank is short-sighted and cuts itself off from ordinary citizens. It only pleases middle-class and above customers.
Second, Hong Kong's housing loan policy is limited liability, and the bank can only pursue limited claims against the borrower. That is, when the borrower has no money to pay the mortgage and is insolvent, he can just apply for personal bankruptcy and the house will be handed over to the bank. Whether the debt can be repaid is not the borrower's business, and the bank has no right to pursue the borrower anymore.
This is a huge pitfall for banks. If housing prices were to drop by half, banks, as a vulnerable group, would have no choice but to jump off buildings.
Although Nan Yi knew very well that the overall trend of housing prices in Xianggang would be upward for a long time in the future, if the house fell into the hands of Nan Guo Bank, not only would there be no loss, but it would also make a lot of money.
If the bank is not regarded as the core foundation of the Nan Group, this approach can indeed be used to consider things, but the bank is precisely the core that connects all of the Nan Group's industries, so this cannot be done.
In the short term, it is okay to engage in similar speculation once or twice occasionally, but it is absolutely not allowed to engage in such high-risk speculation on a long-term and frequent basis. This will allow bank employees to form inertial thinking, and it can also be said that the speculation model will be integrated into the bank's corporate culture.
Once a culture is formed, it will not be easy to carry out drastic reforms. At the very least, it will cause serious damage to its vitality, and at the worst, it will be completely destroyed.
If you don't want to miss the opportunity for speculation, you can set up a separate company to do this. However, Nan's company always has a basic development model. If there is a speculative opportunity that does not conform to Nan's company's tone but you don't want to miss, Nan Yi can only spread it out. He can do it himself or let outsiders do it, and Nan's company can take some shares.
Nan Yi has always managed Nan Group with an employee mentality. He does not position himself as the owner or king of Nan Group. He does not want Nan Group to be tainted with too strong personal color, nor does he want himself to become inflated, arbitrary, and unwilling to listen to other people's opinions. He hopes that Nan Group will maintain a style of collective wisdom and brainstorming.
Gu Zai took the cigarette and took out his lighter to light it for Fan Qingyun. "Big sister, you are not a gangster, right?"
Fan Qingyun shrank back, keeping the cigarette butt away from the flame of the lighter, "No, it's a legitimate business."
"Do you want a certificate?" Gu Zai asked eagerly.
Fan Qingyun glanced at Gu Zai and said, "You are very handsome, why don't you become an actor?"
Gu Zai said dejectedly: "I went to Stanley for further studies."
Fan Qingyun turned her head and looked at the door of the warehouse. "Who hasn't clicked yet? The key is how you will go in the future. My job is not suitable for you. Be an actor. Girls will definitely like to see you."
"Be an actor?" Gu Zai seemed to be thinking about something.
Just as he was lost in thought, Fan Qingyun said, "Take a look, is this Datian Er?"
Gu Zai looked over and said, "Yes, that's him."
Fan Qingyun threw the cigarette butt to the ground and said, "It's all over for you. You can take a taxi or wait for me to finish my work and send you back."
As she spoke, Fan Qingyun walked quickly towards Da Tian Er. When she got to the other side, she confirmed, "Da Tian Er?"
"Bitch, it's you who called him Datianer, call him Brother Tian." Before Datianer could say anything, the thug who was following him and had a fashionable nose ring on his nose spoke up.
Fan Qingyun stepped forward, stretched out her right hand quickly, grabbed the nose ring and pulled it, and blood immediately flowed out of the man's nose. Then, Fan Qingyun reached into her pocket and took out toilet paper, wiped the nose ring, threw it on the ground, and then stared at Da Tianer and said, "I just want to ask you something, and then I'll leave after I'm done."
Da Tianer looked at his henchman with a bloody nose, then at Fan Qingyun who had a fierce look on her face, and wisely chose to talk it out.
"explain."
"A new group of people who forge credit cards has recently emerged. They are from Hong Kong or Guangzhou. Give me some information."
"Madam?" Datianer asked with a squint.
"When I talk to you nicely, you should answer me nicely. There are no good bankers. Datianer, luckily you are smart enough to make sure that the bank has no branch in Xiangkeng, otherwise your whole family would be buried with you. Some people are not smart and only pick on the grass near their home. It will not be good for you to get too close to such people."
After Fan Qingyun finished speaking in a gloomy tone, her eyes became increasingly cold as she glared at Da Tianer fiercely.
Da Tianer felt a murderous intent in Fan Qingyun's eyes. He was sure that he was not mistaken. It was definitely murderous intent. The woman in front of him had killed people, maybe more than one.
"Yangcheng Xikeng, Lin Yuancong."
"Thank you. Lin Yuancong won't have a chance to settle with you." Fan Qingyun nodded, took out a plastic bag from his pocket, opened it, pinched a corner of the bag with his fingers, shook it a few times, and seven or eight thousand-dollar Hong Kong dollars fell out of the bag. "Brother, I will treat your injury. I advise you not to wear a nose ring. It's easy to get your nose torn off."
With the name and address, the rest is relatively simple. Just contact the public security department in Yangcheng and wait for the results of the investigation. Don't even think about getting your losses back, as that's not realistic.
After eating Yuanxiao in Xiangkeng, Nan Yi flew to New York to preside over the restructuring of Pan American Investment Holdings.
Pan American Investment Holdings previously raised funds only from shareholders, and invested in companies with very promising prospects. Over time, the market value of each company continued to rise, and Pan American Investment Holdings, which owned a large number of shares, would be very conspicuous. It was time to make a change.
Rachel chaired the board of directors meeting, and Nan Yi, who attended the meeting, proposed a restructuring plan - to change the previous single source of funding for Pan American Investment Holdings, and transform Pan American Investment Holdings into a capital control company that raises funds from the public;
According to different investment areas, we have established several divisions: private equity investment, real estate investment, structured financing, asset management, special opportunity investment, etc.
As of the date of the meeting, the shares previously held by Pan American Investment were injected into the "Special Project Group" for separate management. In order to conceal the special nature of the Special Project Group, the company also set up a "Big Fund Project Group" to serve only clients with investments exceeding US$100 million.
Simply put, after the restructuring, Pan American Investment Holdings will become a capital management company that absorbs funds, invests them, and makes profits by collecting a share of the capital appreciation (fund management fees).
No shareholder objects to the general direction of the restructuring. Every shareholder knows how much benefit Pan American Investment has brought to them, and who helped them earn these benefits. As long as Nan Yi does not make too big mistakes or put forward suggestions that are not too absurd or outrageous, Nan Yi can proceed on his own.
The board of directors approved it, shareholders withdrew, and Pan American Investment Holdings began to make internal adjustments. Eighty percent of the previous employees were directly transferred to the special project team and found separate offices to work in. They will not have any intersection with other employees of Pan American Investment Holdings in the future.
The remaining 20% ​​of employees will be dispersed and assigned to various business units, starting as deputy positions. If they are competent, they will be promoted directly to full-time positions after a while. If the talents introduced from outside are more capable than them, they will continue to stay in deputy positions. Whether they will be promoted or demoted in the future will be determined by each person's own ability.
Nan Yi will give preferential treatment to pioneers who have worked hard even if they have not made any merits. If they have not made any mistakes in principle, they will not be dismissed easily and will be given a chance to correct their mistakes, but there will be no guarantee that they can hold management positions.
The capable ones are promoted and the incompetent ones are demoted. This is the eternal principle of the Nan family. High salaries require high abilities and high efforts in exchange. Every man has his own job. The Nan family will never keep useless people.
The pioneers who stay are all capable. If they cannot keep up with the times and fall behind, they will have to leave no matter how great the contributions they have made in the past.
Nan's will always materialize the contributions made by its employees. Employees will receive rewards for their efforts. The bulk of the benefits will be paid directly, and the long-term benefits will be connected to the Nan's Employees' Committee. If a significant contribution has been made, even if they do not retire according to the normal years, they can still receive a huge pension.
After the restructuring was successfully carried out, Nan Yi went to the Aijid Building without stopping to check the audit results of the financial team on the Nan’s Employees’ Committee.
Although the Nan's Employees' Committee operates independently of the Nan's, Nan Yi has no right to interfere in its work, but the initial operating funds of the Nan's Employees' Committee were allocated by the Nan's, and most of the committee members are also senior executives of various companies under the Nan's control, so he still has the right to audit accounts.
After checking the accounts, Nan Yi flew to Montana again.
I served as a hostage at the Peace Dove training base for half a month, cooperating with the Nan family's armed forces in a "hostage rescue" drill. The Peace Dove, Troublemaker, Food Escort, and Self-Defense teams that were convenient to come all took turns to come, and those who could not come also sent representatives to observe and learn.
After being a hostage for half a month, Nan Yi served as a special forces member at the training base for another five days, participating in the "Geneva" exercise.
Basically, only people with the surname Nan, especially Nan Yi himself, will rescue at all costs. If it is other people, they will be rescued if possible, and if not, they will learn from Alpha - there is only the difference between armed bandits and unarmed bandits, and there are no hostages. Stun grenades, tear gas, offensive grenades, defensive grenades, rifle grenades, incendiary bombs, as long as they can quickly eliminate the enemy, they will use whatever they have in their hands.
I had a great time for five days, and then I participated in a few days of toxicology consolidation studies.
The world is changing very fast, and science is advancing with each passing day. Every once in a while, Nan Yi has to learn new toxicology knowledge, such as what cannot be eaten, smelled, or touched, what reactions will occur after eating, what toxins will be produced when mixed with what, what poisons people in which area like to use, etc. He also has to learn how to save himself.
Out of interest, Nan Yi also listened to the "Anger to Death Forensic Pathologist" course. What kind of drugs are injected at what position will cause death as heart paralysis, heart failure, etc.; nitrite and aflatoxin, as long as the dosage is controlled and fed every meal, it won't take long before you get cancer...
Nan Yi also absorbed a lot of such knowledge. After all, he was a dreamer. Killer and agent were what he wanted to be. But fate played tricks on him. In his two lives, he took the path he despised the most and became the capitalist he hated the most.
"Alas, if I hadn't become a capitalist, I would have dared to go down to the mine to dig coal and become a real man."
On the way out of Montana, Nan Yi was ashamed of his cowardice. In order to be a man, he decided not to insert steel plates into his bulletproof vests in the future, but to replace them with ceramic plates to fool people.
They say it can block 12.7 caliber bullets. Are you making fun of him? With such a huge impact force, it's no use blocking the bullet. My heart will be broken.
After returning to New York, Nan Yi went to Bear Mountain State Park again. He didn't go for a hiking trip. Nan Yi could see that Nan Wuwei really loved skateboarding. He planned to build a highway on the mountain specifically for skateboarding enthusiasts to play, where cars would not be allowed, and safety precautions would be taken on the roadside to reduce the danger.
After spending two days in the state park, he found a few routes that he thought were good, and on the way back he turned around and went to Boston.
Nan Ruoyin bought a villa in the mountains near Cambridge in Boston. The building and a small hill are private territory. It has tennis courts, gardens, vegetable gardens, swimming pools, small playgrounds and a hot spring on the top of the mountain. Nan Ruoyin had the direction of the stream changed and built a hot spring wooden house not far from the villa.
There is a small wooden villa far away from the villa. It is Nan Ruoyin’s secret cottage. Nan Yi has no idea what is inside. When he saw the "Secret Hut" sign hanging on the wooden door, he did not push the door open.
After a walk around, Nan Yi felt that it was a good deal to buy this place for just 6 million US dollars. Although he spent some money on renovation later, the total cost did not exceed 9 million US dollars. Whether from the perspective of pleasing himself or looking at future appreciation, it was very cost-effective.
After returning to the villa, Sandy made a pot of tea for Nan Yi and sent it to the garden outside.
Sandy and Mandy were the twins that Chen Shengnan invited from Norlan College in the UK during the Columbus Apartment period. One followed Nan Ruoyin and the other followed Fan Hongdou. Later, because Fan Hongdou was in China for a long time and was not needed, both of them followed Nan Ruoyin.
Now, Chen Shengnan, Sandy and Mandy are all in Nan Ruoyin's villa, forming a team to take care of her daily life.
Nan Yi sat in the garden for more than an hour. At the gate at the foot of the mountain, Nan Ruoyin got out of the car, walked to the stable on the side, led out a horse, climbed on the horse, pulled the reins, and gently squeezed her legs. The horse immediately trotted up the mountain.
After a while, Nan Ruoyin pulled the reins, jumped off the horse's back, patted the horse's head, and the horse obeyed the order, turned around, and slowly walked down the mountain.
"Dad, why didn't you call me?" Nan Ruoyin walked behind Nan Yi and lay on his back.
Nan Yi grabbed Nan Ruoyin and pulled her in front of him. "It's nothing important. I just came to see you. Why did you come back after school? Why didn't you go out to play?"
"I came back to change my clothes because I have a fraternity drinking party tonight."
"Huh? Fraternity? How can a woman like you join a fraternity? Shouldn't you join a sorority?" Nan Yi asked in surprise.
"Oh, Dad, there are two major categories of fraternities and sororities. One is the social category, which is divided by gender; the other is the professional category, which is divided according to the major studied, such as business, law, and medicine. I am in the Business Frat (business fraternity), which is not divided by gender and is not exclusive. I can join this fraternity and other sororities.
Hehe, it's just right that you're here, Dad. I want to buy sorority clothes for the sorority, give me some pocket money." Nan Ruoyin stretched out her hand and waved it up and down under Nan Yi's eyes.
"Pah!" Nan Yi slapped Nan Ruoyin's hand away and said unhappily, "Are you crazy asking me for pocket money? I just paid off a debt of nearly 100 million yuan before the New Year, and I'm broke now."
The land in Xiaoya Bay has not been sold, and Yang Kaiyan's money has expired again. If he borrows 50 million and repays 100 million, he can get a 20% commission, which means he has to repay 90 million. This repayment almost drained Nan Yi's pocket. Not counting the money in Yiwan International's account, he can't even get 1 million US dollars.
"Hehehe, Dad, you are so poor." Nan Ruoyin wiped his nose and said arrogantly, "If you need money again, come to me. The market price is 90% out and 13% back, with compound interest. In a year, it only takes... Ouch, Dad, you hurt me."
"Return nine out of thirteen to me, and I'll kill you." Nan Yi pretended to be angry and said, "Remember that you have reached the age of marriage and are an adult. It's your turn to support me. Hurry up, I'll give you $100,000 a month. You haven't paid for nine months."
"No, Dad, you are thirty years old , but less than twenty-eight years old. You are still young. Be good, wait until you are sixty, and I will support you."
"Little girl, you are just coaxing a child." Nan Yi smiled and stopped talking nonsense with Nan Ruoyin. "Since you still want to attend the cocktail party, let's hurry up and talk about business."
"Um."
Nan Ruoyin stopped laughing, walked over to sit opposite Nan Yi, and poured herself a cup of tea.
"Sign first. Yours is the only thing missing."
Nan Yi took out a document and placed it in front of Nan Ruoyin.
Nan Ruoyin glanced down and saw a letter of authorization, which roughly authorized Nan Yi to exercise the management rights of the Snow Mountain Trust Fund. She took out a pen and signed her name on the last page. After signing, Nan Ruoyin handed the document back to Nan Yi, "Dad, are you going to make a big move?"
Nan Yi put away the file and said, "There is no big move for the time being. I don't have the energy to take care of the Snow Mountain Trust now, but there are some small moves. Wuwei likes to skateboard, and I just went to Bear Mountain State Park to find a suitable place to build a skateboard road.
Before I went to look for it, I had an idea. I have the production and sales rights of Xiongqi beverages except for those in China. I had not taken care of it before, and now I want to make it a good business.
You little girl, you are no stranger to extreme sports, right? "
"Well, I'm currently learning rock climbing with two people from the sorority." Nan Ruoyin nodded.
"In extreme sports, there is only freedom, no competition. Do you live 365 days a year, or do you live one day repeated 364 times? These two sentences are what I thought of while sitting here just now. Xiongqi became popular in China because of its sponsorship of athletes, and it is closely related to the word competition. But abroad, I hope Xiongqi will be associated with freedom.
So I plan to let Xiongqi sponsor the experts who play extreme sports. No matter what sport it is, as long as it is related to "extreme", we will sponsor it.
In addition, I also have the idea of ​​sponsoring underground music, punk, heavy metal, country, folk, no matter what form of music, I can sponsor it, except rock, eight out of ten rock music is stupid, so I'd better not mess with them."
Nan Yi pursed his lips and continued, "We can also establish the Xiongqi Music Academy, dedicated to discovering underground musicians, set up a music radio station, hold the Xiongqi Music Festival, and so on."
"Dad, your idea of ​​sponsoring extreme sports is a bit similar to that of Austria's Mateschitz. Red bull gives you wings."
"To be honest, my father's inspiration came from Austrian Red Bull." Nan Yi said without hesitation: "Okay, Xiongqi, I'll stop here first, and I'll tell you about the concept of 'Southme'.
My South, or my Dixie. The American South has a very unique cultural and historical background, including traces left by the early European colonial period, the adherence to the principle of state rights, the early slavery system, and the impact of the American Civil War when the Confederacy separated.
The American South has developed its own unique traditions, literature, music, and culinary styles. Southern culture has a distinct character..."
"The pursuit of freedom." Nan Ruoyin continued.
“Yes, freedom. Southme represents a free attitude, which means being the coolest, most handsome and most unique self.
Southme will be a trendy brand we are going to establish. Since the idea came from skateboarding, I plan to start with skateboarding. The skateboarding path in Bear Mountain State Park is called Southme.
This is one of the reasons. In addition, I plan to find a vacant lot in downtown New York to build a skateboarding venue. The first Southme store, or more precisely, a skateboarding culture exchange center, will be right next to the skateboarding venue, where skateboarding enthusiasts gather to chat, drink, smoke, and of course skateboard.
At the beginning, you don’t need to focus on selling products. You should first build the culture of Southme and promote the word so that as many people as possible know the word and Southme’s attitude.”
Nan Yi pointed at Nan Ruoyin and said, "As for you, Southme's management doesn't need you. Let's just say it as before. You just need to study hard in school now..."
Nan Ruoyin smiled and said, "Hehe, Dad, I understand. What I want to do is to introduce Southme culture into fraternities and sororities, right?"
"Ha, you're still so smart. Didn't you just mention commemorative clothing? That's perfect. We can push the concept of Southme forward. We can't make much money from skateboarding. Southme will eventually make clothing. A $2 T-shirt printed with the Southme logo is worth $200. This business can be done."
"Dad, you want to put Southme under the Snowy Mountains Trust?"