Chapter 573: Wind control
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Chapter 573 Risk Control
Since Han Songlin came to the capital, he had to meet some people, such as Dong Wenbiao, the new president of the People's Bank of China. Dong Wenbiao was quite surprised that he was able to become the new president of People's Bank, and he was directly nominated by the major shareholder Xinghai Group.
Being the president of the People's Bank of China and being the president of other domestic banks are completely two states.
On the one hand, the bank must achieve rapid development and make money; on the other hand, it must balance the interests of shareholders.
The previous two presidents, to a certain extent, did not balance the interests of various shareholders.
Now that the Xinghai Group has taken over, it is very important for Dong Wenbiao to be able to obtain the support of the Xinghai Group.
The meeting with Dong Wenbiao was in a courtyard in the capital.
Tang Yan is also there!
Tang Yan returned to the capital, and after seeing all the prosperity, she returned to school.
Han Songlin was really surprised by Tang Yan's choice.
In addition, in terms of majors, Tang Yan found the school and changed her major to study business management. The school did not set up any obstacles for Tang Yan to change her major, or it was because of THC's 500 million donation.
As for why Tang Yan changed her major, according to Tang Yan, Chen Xin will lead the financial business in the future, and she will be more involved in the internal management and corporate investment of THC investment.
"President Dong, it's our first meeting, nice to meet you!"
Dong Wenbiao shook hands with Han Songlin politely. He, who can be called the best president of People's Bank in the future, naturally has both ability and skill.
Dong Wenbiao: "Hello, Director Han."
"This is Tang Yan, partner and president of THC Investment!"
THC investment?
"Hello, Mr. Tang, I've heard about the name for a long time!" Dong Wenbiao's face was full of surprise. He really didn't expect that the famous THC investment helm would be a little girl.
THC invests in the domestic financial circle, and its reputation can be described as flourishing.
As a financial person, he is naturally very concerned about the situation of Xiangjiang; Xiangjiang is not only the Xiangjiang of Huaguo, but also the financial center of the entire Asia, and a top-ranked financial city in the world.
For financial professionals in Huaguo, Xiangjiang is a window for them to get in touch with the global financial market.
Before, many people thought that Xiangjiang would not be safe in the face of the attack of international hot money.
But at this time, THC Investment stepped forward and stabilized the Xiangjiang stock market with huge sums of money.
In other words, THC investment bottom-buying was successful.
Tang Yan smiled lightly and shook hands with Dong Wenbiao. She didn't know why Han Songlin chose Dong Wenbiao as the helm of People's Bank, but Tang Yan didn't care.
The route of People's Bank of China has been planned.
Tang Yan: "President Dong, the establishment of People's Bank of China is just the time for you to show your strengths. I hope that under your leadership, People's Bank will become a world-class bank and serve Chinese people all over the world."
World Bank, Serving Global Chinese?
Will this appear to be too ambitious.
Dong Wenbiao smiled dryly and said: "This, I will try my best!"
Han Songlin motioned for everyone to sit down and chat. Inviting Dong Wenbiao this time is not just a simple acquaintance.
Regarding how the People's Bank should develop, Han Songlin is not a professional. He can make some suggestions, but he will not participate in specifics.
For example, when handling business in a bank, the counter is blocked by glass.
Han Songlin said that if deposits and withdrawals are made at the counter, they will still be covered with glass; if there is no such protection, Han Songlin is worried that various things will happen frequently.
After all, Huaguo is too big and has too many people; when there are more people, the situation will become complicated. Maybe someone suddenly can't figure it out and thinks that robbing a bank is quick to get money?
The glass of the bank counter can make some people with ideas give up their plans in their hearts.
The deposit and withdrawal business is handled at the glass counter, so opening a new bank account and consulting business can be handled at another counter. This counter does not need glass and allows people to communicate face to face.
Isn't it a little bit, if you don't become a bank customer, the bank treats you as a treasure; after you become a bank, the bank becomes proud.
"People's Bank has to strengthen risk control; other domestic banks are useless in terms of risk control. Such a situation must never happen to People's Bank." Han Songlin felt very sad when he thought of other domestic banks. Amazing; in the future, a few percent of bank bad debts will already feel high.
I think banks have problems with risk control.
But now, the bank's bad debts are as high as 40%.
Dong Wenbiao also worked in a state-owned bank before, so he is naturally aware of the problems in the domestic banking industry.
The reasons for the bad debts of other domestic banks are not analyzed here; for the public bank, the customer base is mainly for private enterprises, and it is very difficult for private enterprises to get loans at this time.
Dong Wenbiao is silent, but also wants to control risks and make money, which is a bit difficult.
Want to secure the position under his buttocks, Dong Wenbiao naturally knew that he had to do things according to Han Songlin's requirements.
Who is the Xinghai Group represented by Han Songlin, the major shareholder of People's Bank!
At this time, Dong Wenbiao was caught in a dilemma. In the position of vice president, Dong Wenbiao was already thinking about how the People's Bank of China should go.
Then, Dong Wenbiao selected a development route for People's Bank, mainly supporting the development of small and medium private enterprises.
As for small and medium-sized enterprises, for banks, the loan risk is relatively high.
"Mr. Han, the People's Bank has received the support of the Xinghai Group, but in terms of funds, it is still very weak compared to the established domestic banks."
People's Bank was established in less than three years.
"Because of the small scale of funds, the customers we will face should be mainly concentrated on small and medium-sized enterprises. Within our management, we have reached a consensus that we will mainly do business with small and medium-sized enterprises in the future." Dong Wenbiao took out his A report to Han Songlin, this is a market analysis report made by People's Bank.
Han Songlin flicked through the report, various data, and analysis, needless to say; the conclusion of the entire report is that private enterprises are the most dynamic enterprises in Huaguo. Extremely rich returns.
After reading the report, Han Songlin handed the report to Tang Yan. Tang Yan looked at the report with a feeling of light in her eyes.
This report is very similar to the internal report of Skyfire Hammer Investment.
Tianhuohammer Investment pays close attention to the small and medium-sized private enterprises in Huaguo, and naturally knows the vitality of small and medium-sized private enterprises.
These companies are still small and medium-sized companies, and they can become large-scale companies that stir up the world in ten or twenty years.
Han Songlin: "It's really good to do business with small and medium-sized enterprises. I believe that you can also make money, but you must also do a good job in risk control. Small and medium-sized enterprises have great risks and great benefits. But how to reduce the risks? This requires you, Dong Wenbiao, to think a lot. To be a bank, you can’t just pay attention to business scale, but also pay attention to risks. All over the world, banks go bankrupt every year, basically because of problems with risk control. People's Bank of China must take heed of this."
(end of this chapter)
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Chapter 573 Risk Control
Since Han Songlin came to the capital, he had to meet some people, such as Dong Wenbiao, the new president of the People's Bank of China. Dong Wenbiao was quite surprised that he was able to become the new president of People's Bank, and he was directly nominated by the major shareholder Xinghai Group.
Being the president of the People's Bank of China and being the president of other domestic banks are completely two states.
On the one hand, the bank must achieve rapid development and make money; on the other hand, it must balance the interests of shareholders.
The previous two presidents, to a certain extent, did not balance the interests of various shareholders.
Now that the Xinghai Group has taken over, it is very important for Dong Wenbiao to be able to obtain the support of the Xinghai Group.
The meeting with Dong Wenbiao was in a courtyard in the capital.
Tang Yan is also there!
Tang Yan returned to the capital, and after seeing all the prosperity, she returned to school.
Han Songlin was really surprised by Tang Yan's choice.
In addition, in terms of majors, Tang Yan found the school and changed her major to study business management. The school did not set up any obstacles for Tang Yan to change her major, or it was because of THC's 500 million donation.
As for why Tang Yan changed her major, according to Tang Yan, Chen Xin will lead the financial business in the future, and she will be more involved in the internal management and corporate investment of THC investment.
"President Dong, it's our first meeting, nice to meet you!"
Dong Wenbiao shook hands with Han Songlin politely. He, who can be called the best president of People's Bank in the future, naturally has both ability and skill.
Dong Wenbiao: "Hello, Director Han."
"This is Tang Yan, partner and president of THC Investment!"
THC investment?
"Hello, Mr. Tang, I've heard about the name for a long time!" Dong Wenbiao's face was full of surprise. He really didn't expect that the famous THC investment helm would be a little girl.
THC invests in the domestic financial circle, and its reputation can be described as flourishing.
As a financial person, he is naturally very concerned about the situation of Xiangjiang; Xiangjiang is not only the Xiangjiang of Huaguo, but also the financial center of the entire Asia, and a top-ranked financial city in the world.
For financial professionals in Huaguo, Xiangjiang is a window for them to get in touch with the global financial market.
Before, many people thought that Xiangjiang would not be safe in the face of the attack of international hot money.
But at this time, THC Investment stepped forward and stabilized the Xiangjiang stock market with huge sums of money.
In other words, THC investment bottom-buying was successful.
Tang Yan smiled lightly and shook hands with Dong Wenbiao. She didn't know why Han Songlin chose Dong Wenbiao as the helm of People's Bank, but Tang Yan didn't care.
The route of People's Bank of China has been planned.
Tang Yan: "President Dong, the establishment of People's Bank of China is just the time for you to show your strengths. I hope that under your leadership, People's Bank will become a world-class bank and serve Chinese people all over the world."
World Bank, Serving Global Chinese?
Will this appear to be too ambitious.
Dong Wenbiao smiled dryly and said: "This, I will try my best!"
Han Songlin motioned for everyone to sit down and chat. Inviting Dong Wenbiao this time is not just a simple acquaintance.
Regarding how the People's Bank should develop, Han Songlin is not a professional. He can make some suggestions, but he will not participate in specifics.
For example, when handling business in a bank, the counter is blocked by glass.
Han Songlin said that if deposits and withdrawals are made at the counter, they will still be covered with glass; if there is no such protection, Han Songlin is worried that various things will happen frequently.
After all, Huaguo is too big and has too many people; when there are more people, the situation will become complicated. Maybe someone suddenly can't figure it out and thinks that robbing a bank is quick to get money?
The glass of the bank counter can make some people with ideas give up their plans in their hearts.
The deposit and withdrawal business is handled at the glass counter, so opening a new bank account and consulting business can be handled at another counter. This counter does not need glass and allows people to communicate face to face.
Isn't it a little bit, if you don't become a bank customer, the bank treats you as a treasure; after you become a bank, the bank becomes proud.
"People's Bank has to strengthen risk control; other domestic banks are useless in terms of risk control. Such a situation must never happen to People's Bank." Han Songlin felt very sad when he thought of other domestic banks. Amazing; in the future, a few percent of bank bad debts will already feel high.
I think banks have problems with risk control.
But now, the bank's bad debts are as high as 40%.
Dong Wenbiao also worked in a state-owned bank before, so he is naturally aware of the problems in the domestic banking industry.
The reasons for the bad debts of other domestic banks are not analyzed here; for the public bank, the customer base is mainly for private enterprises, and it is very difficult for private enterprises to get loans at this time.
Dong Wenbiao is silent, but also wants to control risks and make money, which is a bit difficult.
Want to secure the position under his buttocks, Dong Wenbiao naturally knew that he had to do things according to Han Songlin's requirements.
Who is the Xinghai Group represented by Han Songlin, the major shareholder of People's Bank!
At this time, Dong Wenbiao was caught in a dilemma. In the position of vice president, Dong Wenbiao was already thinking about how the People's Bank of China should go.
Then, Dong Wenbiao selected a development route for People's Bank, mainly supporting the development of small and medium private enterprises.
As for small and medium-sized enterprises, for banks, the loan risk is relatively high.
"Mr. Han, the People's Bank has received the support of the Xinghai Group, but in terms of funds, it is still very weak compared to the established domestic banks."
People's Bank was established in less than three years.
"Because of the small scale of funds, the customers we will face should be mainly concentrated on small and medium-sized enterprises. Within our management, we have reached a consensus that we will mainly do business with small and medium-sized enterprises in the future." Dong Wenbiao took out his A report to Han Songlin, this is a market analysis report made by People's Bank.
Han Songlin flicked through the report, various data, and analysis, needless to say; the conclusion of the entire report is that private enterprises are the most dynamic enterprises in Huaguo. Extremely rich returns.
After reading the report, Han Songlin handed the report to Tang Yan. Tang Yan looked at the report with a feeling of light in her eyes.
This report is very similar to the internal report of Skyfire Hammer Investment.
Tianhuohammer Investment pays close attention to the small and medium-sized private enterprises in Huaguo, and naturally knows the vitality of small and medium-sized private enterprises.
These companies are still small and medium-sized companies, and they can become large-scale companies that stir up the world in ten or twenty years.
Han Songlin: "It's really good to do business with small and medium-sized enterprises. I believe that you can also make money, but you must also do a good job in risk control. Small and medium-sized enterprises have great risks and great benefits. But how to reduce the risks? This requires you, Dong Wenbiao, to think a lot. To be a bank, you can’t just pay attention to business scale, but also pay attention to risks. All over the world, banks go bankrupt every year, basically because of problems with risk control. People's Bank of China must take heed of this."
(end of this chapter)
Chapter 573 Risk ControlSince Han Songlin came to the capital, he had to meet some people, such as Dong Wenbiao, the new president of the People's Bank of China. Dong Wenbiao was quite surprised that he was able to become the new president of People's Bank, and he was directly nominated by the major shareholder Xinghai Group.Being the president of the People's Bank of China and being the president of other domestic banks are completely two states. On the one hand, the bank must achieve rapid development and make money; on the other hand, it must balance the interests of shareholders.The previous two presidents, to a certain extent, did not balance the interests of various shareholders. Now that the Xinghai Group has taken over, it is very important for Dong Wenbiao to be able to obtain the support of the Xinghai Group. The meeting with Dong Wenbiao was in a courtyard in the capital. Tang Yan is also there!Tang Yan returned to the capital, and after seeing all the prosperity, she returned to school.Han Songlin was really surprised by Tang Yan's choice. In addition, in terms of majors, Tang Yan found the school and changed her major to study business management. The school did not set up any obstacles for Tang Yan to change her major, or it was because of THC's 500 million donation.As for why Tang Yan changed her major, according to Tang Yan, Chen Xin will lead the financial business in the future, and she will be more involved in the internal management and corporate investment of THC investment. "President Dong, it's our first meeting, nice to meet you!"Dong Wenbiao shook hands with Han Songlin politely. He, who can be called the best president of People's Bank in the future, naturally has both ability and skill.Dong Wenbiao: "Hello, Director Han." "This is Tang Yan, partner and president of THC Investment!" THC investment? "Hello, Mr. Tang, I've heard about the name for a long time!" Dong Wenbiao's face was full of surprise. He really didn't expect that the famous THC investment helm would be a little girl.THC invests in the domestic financial circle, and its reputation can be described as flourishing.As a financial person, he is naturally very concerned about the situation of Xiangjiang; Xiangjiang is not only the Xiangjiang of Huaguo, but also the financial center of the entire Asia, and a top-ranked financial city in the world.For financial professionals in Huaguo, Xiangjiang is a window for them to get in touch with the global financial market.Before, many people thought that Xiangjiang would not be safe in the face of the attack of international hot money.But at this time, THC Investment stepped forward and stabilized the Xiangjiang stock market with huge sums of money.In other words, THC investment bottom-buying was successful. Tang Yan smiled lightly and shook hands with Dong Wenbiao. She didn't know why Han Songlin chose Dong Wenbiao as the helm of People's Bank, but Tang Yan didn't care.The route of People's Bank of China has been planned.Tang Yan: "President Dong, the establishment of People's Bank of China is just the time for you to show your strengths. I hope that under your leadership, People's Bank will become a world-class bank and serve Chinese people all over the world."World Bank, Serving Global Chinese?Will this appear to be too ambitious.Dong Wenbiao smiled dryly and said: "This, I will try my best!"Han Songlin motioned for everyone to sit down and chat. Inviting Dong Wenbiao this time is not just a simple acquaintance. Regarding how the People's Bank should develop, Han Songlin is not a professional. He can make some suggestions, but he will not participate in specifics.For example, when handling business in a bank, the counter is blocked by glass.Han Songlin said that if deposits and withdrawals are made at the counter, they will still be covered with glass; if there is no such protection, Han Songlin is worried that various things will happen frequently. After all, Huaguo is too big and has too many people; when there are more people, the situation will become complicated. Maybe someone suddenly can't figure it out and thinks that robbing a bank is quick to get money?The glass of the bank counter can make some people with ideas give up their plans in their hearts.The deposit and withdrawal business is handled at the glass counter, so opening a new bank account and consulting business can be handled at another counter. This counter does not need glass and allows people to communicate face to face. Isn't it a little bit, if you don't become a bank customer, the bank treats you as a treasure; after you become a bank, the bank becomes proud."People's Bank has to strengthen risk control; other domestic banks are useless in terms of risk control. Such a situation must never happen to People's Bank." Han Songlin felt very sad when he thought of other domestic banks. Amazing; in the future, a few percent of bank bad debts will already feel high.I think banks have problems with risk control.But now, the bank's bad debts are as high as 40%.Dong Wenbiao also worked in a state-owned bank before, so he is naturally aware of the problems in the domestic banking industry.The reasons for the bad debts of other domestic banks are not analyzed here; for the public bank, the customer base is mainly for private enterprises, and it is very difficult for private enterprises to get loans at this time.Dong Wenbiao is silent, but also wants to control risks and make money, which is a bit difficult.Want to secure the position under his buttocks, Dong Wenbiao naturally knew that he had to do things according to Han Songlin's requirements. Who is the Xinghai Group represented by Han Songlin, the major shareholder of People's Bank!At this time, Dong Wenbiao was caught in a dilemma. In the position of vice president, Dong Wenbiao was already thinking about how the People's Bank of China should go.Then, Dong Wenbiao selected a development route for People's Bank, mainly supporting the development of small and medium private enterprises.As for small and medium-sized enterprises, for banks, the loan risk is relatively high. "Mr. Han, the People's Bank has received the support of the Xinghai Group, but in terms of funds, it is still very weak compared to the established domestic banks."People's Bank was established in less than three years."Because of the small scale of funds, the customers we will face should be mainly concentrated on small and medium-sized enterprises. Within our management, we have reached a consensus that we will mainly do business with small and medium-sized enterprises in the future." Dong Wenbiao took out his A report to Han Songlin, this is a market analysis report made by People's Bank.Han Songlin flicked through the report, various data, and analysis, needless to say; the conclusion of the entire report is that private enterprises are the most dynamic enterprises in Huaguo. Extremely rich returns.After reading the report, Han Songlin handed the report to Tang Yan. Tang Yan looked at the report with a feeling of light in her eyes.This report is very similar to the internal report of Skyfire Hammer Investment.Tianhuohammer Investment pays close attention to the small and medium-sized private enterprises in Huaguo, and naturally knows the vitality of small and medium-sized private enterprises.These companies are still small and medium-sized companies, and they can become large-scale companies that stir up the world in ten or twenty years.Han Songlin: "It's really good to do business with small and medium-sized enterprises. I believe that you can also make money, but you must also do a good job in risk control. Small and medium-sized enterprises have great risks and great benefits. But how to reduce the risks? This requires you, Dong Wenbiao, to think a lot. To be a bank, you can't just pay attention to business scale, but also pay attention to risks. All over the world, banks go bankrupt every year, basically because of problems with risk control. People's Bank of China must take heed of this."end of this chapter
