money is not guilty

Chapter 39

The whole bank's case prevention and risk investigation work is in full swing. With the chairman's nod and Lin Tianhua presiding over it, and the inspection team has a high incentive mechanism, the intensity of this risk investigation is unprecedented.Whether it is the various departments of the head office or the branches, they have all been recruited, and some large or small violations or improper operations have been found out. In Lin Tianhua's words, this investigation is equivalent to a self-diagnosis before listing. The problems found will be severely punished.

In this investigation, Chengdong Sub-branch was not spared either.Due to problems such as non-standard operation of bills and mere formalities in the operation of the counter, the Chengdong Sub-branch received three visa forms, and Luo Su'e, the sales manager, was implicated. Tang, Luo Su'e ran to Gu Tiande's office crying and making a fuss, insisting on Gu Tiande to find a way.

Gu Tiande was dying of a headache, he didn't want to do it at first, but Luo Su'e was not a cheap lamp, claiming that if she didn't save her, she would expose the matter between herself and Gu Tiande.Gu Tiande was really afraid that there would be another problem at this juncture, so he brought a box of Moutai and two shopping cards overnight, and went to the team leader of the inspection team to talk about it.In the end, the visa form was issued to Zhang Liyu who had left his job and moved to Freeman Bank.

There are also many problems on Wang Chong's side. In addition to some loans with hidden risks from the small and micro business department, even several companies with more than [-] million yuan have risk warnings.However, when he took over the No. [-] credit department, he had already checked all the loans, and issued a risk warning report for the business with hidden dangers, and specially asked the boss of the air management department and Liu Jianguo to make a special report.

However, in the banking industry, risk control is the whole process, and there is no such thing as a new official ignoring old accounts. Liu Jianguo still severely criticized Wang Chong and asked him to do a good job in post-loan management of possible risky businesses. Pay attention to the operating conditions of problematic enterprises, take immediate action as soon as a bad sign is found, and make contingency plans for possible situations, so as to avoid things like Luo Dacheng from happening again.

This morning, Wang Chong was sorting out the risk investigation report of the credit department. Boss Song of the noodle shop found Wang Chong. Wang Chong let them into the reception room, and Zhang Feifan made tea and brought them in.

Boss Song said: "Manager Wang, I have discussed with your sister-in-law in the past two days. We think what you said last time makes sense. There are more than a dozen small restaurants near the north gate of Donghua University. The traffic is almost saturated, and it doesn’t make much sense to expand the storefront. I went to Donghua Normal University to investigate, and I plan to set up a store there, and let my brother and sister-in-law run it. What do you think?”

Wang Chong smiled and said, "You are the boss, and you have been working for so many years. Brother Song should have his own judgment on whether you can do it or not. To tell you the truth, our bank's business is not only based on your business situation, but also on your business. What matters is a person's character and reputation, if a person doesn't even have the most basic integrity, no matter how good the business is, we will prudently intervene."

Boss Song didn't understand the meaning of Wang Chong's words, rubbed his hands together and said, "Manager Wang, your sister-in-law and I have low education and don't understand so many principles, but when it comes to making noodles, I'm afraid the whole Donghua City is better than me. There are not many of them. I went to Shaanxi, Shanxi and other places to learn art from teachers, and spent a lot of money to buy formulas, so I opened this store. I think it should be no problem to open another branch."

"I still say that, the key depends on the person."

Boss Song said: "My younger brother is honest, willing to endure hardships, and capable. This sister-in-law is a bit snobbish, but if he can really make money, it shouldn't be a problem. Besides, I have another idea, my store Isn’t it too small, I plan to build a WeChat group, launch a takeaway service, find a few students in the school to do part-time jobs, and expand a lot of business.”

Zhang Feifan asked, "Why not use a delivery app? This will save you a lot of effort."

Wang Chong patted him on the head, "If it's a slightly larger store, the business will be good with the APP, but the return of funds from the APP platform is too slow, and Brother Song is a small business, so he can't stand such a toss."

Boss Song nodded and said, "This is one of the reasons, and another reason is that the platform has to take a cut of the profit, and the main customers of the noodle restaurant are students, and I don't want to increase the cost and burden them, so I had to use a stupid method. Actually, I didn’t need a loan in the first place. Recently, there’s a software called Happy Money Management. It’s called Nasha. That’s right, the interest rate is quite high. Your sister-in-law has put all her spare money into it, so she’s a little nervous recently. "

Zhang Feifei added: "It's P2P. I read the above projects, and most of them are too nonsense, and I think it's a bit unreliable."

Recently, Wang Chong has heard about this wealth management software more than once. This software was developed by an investment company in Donghua City. This kind of portal website, with an annual interest rate of more than 15%, is mainly aimed at middle-aged and elderly people, as well as some migrant workers. Many ordinary people in Donghua City follow suit and invest money in it.

However, judging from Wang Chong's many years of experience in the industry, most of this financial management software has problems.Wang Chong has also learned about this software. Many of the projects in it are full of loopholes, and some information is even posted on PS. However, unless they are professionally trained, most ordinary people have no ability to identify them. They lack investment channels and are unwilling to keep their money. The banks took meager interest, and under the temptation of high interest rates, they invested their savings in it one after another.

Of course, Wang Chong also encountered some big business owners who invested large sums of money in it. When chatting with them, he learned that they also knew that this kind of platform would have problems sooner or later, but the gamblers had speculative psychology in their hearts. If you make a profit, you will take out the funds to invest.

Wang Chong frowned and asked, "Brother Song, how much did you invest in it?"

As soon as he mentioned this, Boss Song became interested, "I invested 10 yuan, and I get 1500 yuan back every month. In this way, it is still very cost-effective. I am also thinking about it. When the new noodle restaurant opens, there will be rich funds. , and invest some more in it. Think about it, if I invest 50 in, I will have a monthly income of seven or eight thousand, and I can live a good life without doing anything.”

Wang Chong thinks it is necessary to remind Boss Song, but he has seen too many people like this. If you tell him that this may be illegal fundraising, he will say that you are too conservative. You tell him about risks, and he tells you about benefits. If you tell him that there is a problem with the project, he will tell you how well-decorated the other company is and how big the facade is. In short, he has been brainwashed ideologically.

Thinking of this, Wang Chong decided to remind him in a different way, so he tried to ask: "Brother Song, how much profit will your noodle shop make in a year?"

Boss Song thought for a while and said, "The net profit is about 20%. Sometimes it is about 10% in the off-season."

Wang Chong continued: "Let me tell you a set of statistics. The profit margin of the wholesale and retail industry is only between 10% and 15%. The catering industry is considered a huge profit industry. High-end hotels are around 50%. A noodle restaurant like yours, You and your sister-in-law work hard from dawn to dusk, and you only get about 20% of the profit a year. Like the financial management software you just mentioned, if you invest money in it and don’t do anything, you can get 15% of the profit. Where is there such a good thing down there?"

"Isn't this what made me catch up? I heard that this wealth management software is guaranteed by Tianma Group!"

Wang Chong has never heard of this point. Tianma Group is a key enterprise in the city. How could it guarantee such a company for no reason?This made Wang Chong somewhat puzzled.

Wang Chong persuaded: "You have worked all the way from a roadside stall, and you also know that there is no such thing as something for nothing in the world. Even liars and thieves rely on their brains and craftsmanship to make a living, and they worry about being afraid all day long." , You said, if you give money to the financial management platform, you can sit back and enjoy it?"

Boss Song fell into deep thought, and said after a long time, "You mean, they might be liars? But it's been more than half a year, and they have never delayed sending money?"

Wang Chong said seriously: "You may not pay attention to this. Hundreds of this kind of platform go bankrupt every year. They use their money to raise funds. What kind of project can have more than 20% of the income to cover your interest? In the end , still can’t escape the demolition of the east wall to pay the west wall, and use the money invested later to return it to you. When the capital has accumulated to a certain scale, you will take the money and go abroad. At that time, even if you go to report the crime, the police will I can't come back."

Boss Song hesitated, "At first I thought it was a good project, but after your analysis, it seems that there are some problems. No, when I go back, I will find them to find a way to get the money out."

After sending away the owner of the noodle shop Song, Zhang Feifan sighed, "Master, do you think this is illegal fundraising?"

Wang Chong said: "One hundred percent."

"Our bank cooperates with the police every year to carry out publicity campaigns to prevent illegal fund-raising, and the intensity is not small. Why do you think this kind of thing is repeatedly prohibited?"

Wang Chong thought for a moment and said, "Illegal fundraising has existed since ancient times, and it will never disappear."

It was the first time Zhang Feifei had heard of this point of view, and asked curiously, "Why?"

Wang Chong continued: "There are three reasons. First, there is a gap in people's IQ. There are always some smart people and stupid people, but no one thinks they are stupid. This is an unchangeable fact. Second , People are prone to incitement, especially when they are in a group, the overall IQ of people is impulsive and extremely low, which is also a fact that cannot be changed. Third, human nature is greedy, everyone wants to get something for nothing, including you and me, This is also an unchangeable fact. These three points are aimed at human instinct, nature and humanity, as long as these three points cannot be eliminated, things like illegal fundraising will never disappear.”

Zhang Feifei listened thoughtfully, and said: "I have considered this issue before, but I haven't analyzed it as thoroughly as you. Master, you are really amazing!"

Wang Chong said: "Stop flattering."

Zhang Feifei suddenly lowered his voice and said, "Master, I heard some gossip recently. I wonder if you are interested in knowing about it."

"Not interested in."

Zhang Feifan thought that Wang Chong wanted to know, but unexpectedly, he ran into a snag, but he couldn't help it, so he said, "It's related to President Gu!"