The bank's case prevention and risk investigation work is being carried out vigorously. The chairman nodded and Lin Tianhua presided over it. In addition, the inspection team has a high incentive mechanism. The intensity of this risk investigation is unprecedented. Whether it is the department of the head office or the branch, they have been hit, and some violations or improper operations were found, either big or small. In Lin Tianhua's words, this investigation is equivalent to a self-diagnosis before listing. For problems found, they will be severely punished.

During this investigation, Chengdong Branch was not spared. Due to the irregular bill operation in counter operation and the indirect database inspection, Chengdong Branch received three visa forms, and the business manager Russell'e was implicated. Not long ago, the matter of preparing to compete for the deputy director of the business department was also ruined. As a result, Russell'e ran to Gu Tiande's office and cried and made a fuss, insisting that Gu Tiande find a way.

Gu Tiande was so troubled that he didn't want to do it, but Russell E was not a good-looking lamp. She claimed that if she didn't save her, she would reveal her and Gu Tiande. Gu Tiande was really afraid that there would be another problem at this critical moment, so he brought in a box of Moutai and two shopping cards overnight and went to the team leader of the inspection team to discuss the items. As a result, in the end, the visa form was given to Zhang Liyu, who had already resigned and moved to Minfeng Bank.

Wang Chong also had many problems. In addition to the small and micro departments with hidden risks, even several companies with over 10 million yuan had risk warnings. However, when he took over the Credit Department, he had already checked all loans and issued a risk warning report for the hidden dangers, and specifically asked the CEO of the Wind Management Department and Liu Jianguo to make special reports.

However, in the banking industry, risk control is the whole process, and there is no such thing as a new official ignoring the old accounts. Liu Jianguo still criticized Wang Chong, allowing him to manage the possible risky business after loans, pay attention to the operating conditions of the problematic companies throughout the process, and take action immediately when they find bad signs and make emergency plans for possible situations, so as not to happen again like Luo Dacheng.

On the morning of that day, Wang Chong was sorting out the risk investigation report of the credit department. Boss Song of the noodle restaurant found Wang Chong, Wang Chong gave them to the reception room, and Zhang Feifan brought them in.

Boss Song said: "Manager Wang, I have discussed it with your sister-in-law these two days. We think what you said last time makes sense. There are more than a dozen small restaurants on the north gate of Donghua University, and the traffic is almost saturated. It doesn't make much sense to expand the store. I went to Donghua Normal University for a visit and planned to sell the next 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 worked for so many years. Brother Song should have his own judgment. To be honest, our bank's business is not only about your business situation, but more importantly, a person's character and reputation. A person has no basic integrity. No matter how good the business is, we will intervene prudently."

Boss Song didn't understand what Wang Chong said, and rubbed his hands and said, "Manager Wang, your sister-in-law and I have low education and don't know so many principles. However, if you talk about making noodles, there are probably not many people in Donghua City that year. I went to Shaanxi, Shanxi and other places to learn from my skills. I spent a lot of money to buy the recipe to open this store. I think it should be fine to open another branch."

"I still say the same thing, it depends on the person."

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

Zhang Feifan asked, "Why don't you use a takeaway app? This will save you a lot of effort."

Wang Chong patted his head, "If it is a slightly larger store, the business of using the app will be good, but the funds from the app platform are too slow to return, and Brother Song is a small business again, and he can't stand such troubles."

Boss Song nodded and said, "This is one of the reasons. Another reason is that the platform needs to take a commission on profits. The main customers of the noodle restaurant are still students. I don't want to increase the cost and add burden to them, so I have to use a stupid method. In fact, I didn't need to borrow money. Recently, there was a software for Xiaoyao Financial Management, which was called "That's the matter. Yes, the interest rate is quite high. Your sister-in-law has invested all the spare money in it, so I'm a little nervous recently."

Zhang Feifan added: "It's p2p. I looked at the above projects and most of them were too nonsense. I think it's a bit unreliable."

In recent times, Wang Chong has heard of this financial management software more than once. This software was developed by an investment company in Donghua City. It claims to be listed in Hong Kong. Its advertising is overwhelming, including car bodies, radio stations, TV stations, and various local portals. The annual interest rate is more than 15%. It is mainly targeted at middle-aged and elderly people, and some working people. Many people in Donghua City follow the trend and invest money in it.

However, based on Wang Chong's years of experience in his work, this kind of financial management software is mostly problematic. Wang Chong has also learned about this software. Many projects are full of loopholes, and some information is even PS-based. However, unless professional training is done, most ordinary people do not have the ability to identify. They lack investment channels and are unwilling to store their money in the bank for meager interest. Under the temptation of high interest rates, they all invest their savings.

Of course, Wang Chong also encountered some big business owners who invested a lot of money in it. When chatting with them, they learned that they also knew that there would be problems with this platform sooner or later, but the gamblers were in trouble with the mentality of investing in the mind of making money and withdrawing funds.

Wang Chong frowned and asked, "Brother Song, how many have you cast in it?"

As soon as he talked about this, Boss Song became interested, "I invested 100,000 yuan, and I will be 1,500 yuan a month. It's still very cost-effective to calculate it. I was thinking about it and when the new noodle restaurant was opened and there were rich funds, I would invest some in it. Think about it, if I invest 500,000 yuan, I would have an income of 70,000 or 80,000 yuan a month, and I would do nothing and live a good life."

Wang Chong felt it was necessary to remind Boss Song, but he had seen too many such people. If you told him that this might be illegal fundraising, he would say that you were too conservative in your mind, you told him that risks, he would tell you that you had a profit, you told him that there was something wrong with the project, he would tell you how good the decoration of the other company and how big the storefront was. In short, he was brainwashed from the perspective of thought.

Thinking of this, Wang Chong decided to change his mind and remind him, so he tried to ask: "Brother Song, how much profit can your noodle restaurant be in a year?"

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

Wang Chong said again: "Let me tell you a set of data. 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%. For noodle restaurants like you, you and your sister-in-law get up early and work hard, and you will only have about 20% of the profit in a year. Like the financial management software you just mentioned, if you invest money and do nothing, you will have a 15% profit. Where is such a good thing in the world?"

"Isn't this what made me catch up? I heard that this financial management software has a guarantee for them!"

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

Wang Chong advised: "You started all the way from a roadside stall. You also know that there is nothing in the world that can be obtained without any effort. Even scammers and thieves have to rely on their brains and skills to make a living. They are worried and afraid all day long. You said that by giving money to the financial management platform, you can enjoy the money?"

Boss Song fell into deep thought and said after a long time, "You mean, they may be liars? But in more than half a year, they have never delayed their money transfer?"

Wang Chongzhengrong said: "You may not pay attention to this. This kind of platform will go bankrupt hundreds of them every year. They raise money to raise funds. What projects can cover your interest with more than 20% of the income? In the end, they still cannot escape the demolition of the east wall and repair the west wall. They use the money invested later to return it to you. When the capital gathers to a certain scale, they will take the money abroad. At that time, even if you report the case, the police will not be able to catch it."

Boss Song hesitated, "I originally thought it was a good project. After your analysis, it seemed that there was something wrong. No, I will find them to find a way to withdraw the money when I go back."

After seeing off the noodle restaurant, Zhang Feifan sighed, "Master, do you think this is considered an illegal fundraising?"

Wang Chong said: "100%.

"Our bank jointly engages with the public security every year to prevent illegal fundraising publicity, and it is quite strong. Why do you think this kind of thing is still repeated?"

Wang Chong thought for a moment, "Illegal fundraising has been happening since ancient times and will never disappear."

It was the first time Zhang Feifan heard this view and said curiously: "Why?"

Wang Chong continued: "There are three reasons. First, there are gaps in human IQ. There are always some smart people and stupid people, but no one thinks they are fools. This is an unchangeable fact. Second, people are easy to incite, especially when group nature, their overall IQ is manifested as impulsive and extremely low, which is also an unchangeable fact. Third, human nature is greedy, and everyone wants to get something for nothing, including you and me. This is also an unchangeable fact. These three points are aimed at human instincts, nature and human nature. As long as these three points cannot be eliminated, illegal fundraising will never disappear."

Zhang Feifan thoughtfully and said, "I have considered this issue as well, but it is not as thorough as you have analyzed it. Master, you are so awesome!"

Wang Chong said: "Stop flattering."

Zhang Feifan suddenly lowered his voice and said, "Master, I heard a gossip news recently. I wonder if you are interested in it."

“Not interested.”

Zhang Feifan thought Wang Chong wanted to know, but unexpectedly he hit a nail, but he couldn't help it, so he said, "It has something to do with President Gu!"
Chapter completed!