Ma Xing knew that staying at Chongbao Bank would not make a big difference, and he would only make a fool of himself if he could not find out the problem, so he immediately returned to the Linhai Supervision Bureau after discussing with Chongbao Bank.
Gao Yuan and other four people stayed for inspection. The four of them were on the same starting line. They all had zero experience in inspecting the bond market. Gao Yuan first asked China Merchants Bank to prepare some routine information, including internal systems, internal audit reports, and accounting statements.
, various bond business transaction details, etc., and then after thinking for a while, I had a preliminary idea for the inspection.
"Yu Qian, please first collect the laws and regulations related to the bond market. This is the basis for our inspection. When their files come, we will conduct the necessary review according to the laws and regulations." Gao Yuan began to arrange the work.
Since Yu Qian married Zhuo Ting, things have been smooth sailing. First, Sui Wo actually attended his wedding ceremony in person, which made many people in the bureau look at him with admiration and became much warmer when they saw him; and then
Ma Xing replaced Mu Shenxiu to supervise the first department, and important things were always left to Yu Qian. It seemed that only Yu Qian could do it well, and all the credit went to Yu Qian, such as the article written by Gao Yuan. In the end, Yu Qian
Everyone must sign and sign in front of him.
Yu Qian was pampered and started to raise her tail again. He didn't bother to listen to Gao Yuan's words: "I will look for laws and regulations if you ask me to. Why are you talking so much nonsense? I didn't know that laws and regulations are the basis for our inspection? This
Do you still need to say that?" Gao Yuanyuan, who was so arrogant, knew that his restraint was just a temporary helplessness. As soon as the time comes, he will reveal his true colors. What the ancients said is true, a country is easy to change, but a temperament is hard to change.
It seems that his nature is really difficult to change. From now on, I can no longer trust anything he says, and I can no longer take him lightly. Yu Qian must be careful in everything.
Gao Yuan did not reply, and instead assigned work to Wen Xiangning: "Wenbo, you first go to the Internet to collect information about the bond transactions of China Merchants Bank. The Internet is now very developed. If there is any problem with a bank, it is likely to be spread immediately.
If you go online, you might be able to find some key clues. If you can't find problems with China Merchants Bank, just search for common problems in the bond market, and then we can all take a look."
Wen Xiangning originally regarded Gao Yuan as a strong competitor because Mu Shenxiu valued him very much. Now Mu Shenxiu was transferred to the senior cadre, and Yu Qian began to be favored by Ma Xingzhuan. Wen Xiangning was filled with opinions.
Because when Mu Shenxiu was here, she was selected as an outstanding employee every year. Now that Yu Qian is in the limelight, it is estimated that this year's outstanding indicator must be him. Only then did Wen Xiangning realize that Mu Shenxiu's departure was a big loss for her.
, which was a big loss for Gao Yuan. Perhaps because of the sympathy for each other, she suddenly became much closer to Gao Yuan. Now that she heard Gao Yuan’s arrangement, she immediately agreed and started searching on the Internet for questions about China Merchants Bank.
"Team leader, what should I do?" Quan Shao began to ask for orders. Quan Shao and Gao Yuan had checked at the Industrial and Information Bank and knew very well his ability. Apart from admiration for him, they only hoped that some problems could be investigated and solved under his leadership.
, which can be regarded as an explanation to Ma Xing, otherwise Ma Xing might also give him little shoes to wear.
"Brother Quan, I will call some business personnel from China Merchants Bank to come over one after another to inquire. You can help me make a record of the inquiry and listen to their answers to see if there are any clues worthy of attention." Gao Yuan knew Mr. Quan's true level.
There was no hope that he would discover the problem. It was only out of respect for the old employee that he asked him to help find clues. Mr. Quan felt Gao Yuan's dependence and he was very excited: "Okay, I will listen carefully."
Gao Yuan first called Liu Dong'an, the boss of the bond trading department of China Merchants Bank, and asked him to introduce the business development. Liu Dong'an was quite proud and said that their bank's bond business includes book-entry over-the-counter treasury bond business, spot bond trading, and pledged repurchase.
Transactions, buyout repurchase transactions, bond settlement agencies, etc. In recent years, the book-entry counter treasury bond business has shrunk significantly, and the spot bond business has doubled. The pledge repurchase business operates smoothly, and buyout repurchases have been rare.
happened, the bond settlement agency business has developed vigorously. Since this year, the bond business has created a profit of 600 million yuan for the bank, and the bond trading department has become one of the most important departments of the bank.
Gao Yuan immediately knew that the focus of the inspection should be on the cash bond business and the bond settlement agency business, because these two businesses were developing rapidly and must have huge profit drivers. He asked Liu Dongan why the cash bond business and the bond settlement agency business were
With such rapid development, Liu Dongan thought for a moment and said that the bond market had just started a few years ago, but now it has achieved great development. The amount of bonds issued every year is an astronomical figure. There are many bonds in stock, spot trading and bond settlement agency business.
The scale naturally grew.
Gao Yuan thought he was perfunctory: "Mr. Liu, according to you, the more stocks there are, the more transactions there will be. But why do businesses other than cash bonds and settlement agency business not increase but decrease? It stands to reason that other businesses should also grow.
That's right!" Liu Dong'an hesitated and said: "This matter is very strange, Team Leader Gao, what do you think?"
Gao Yuan pushed the ball to himself and knew that asking more questions would be useless. Liu Dongan had no intention of saying anything more, so he said that he couldn't figure it out. If he didn't have any answers, he could go out. Liu Dongan quickly stood up and said goodbye.
Gao Yuan asked Mr. Quan if he heard anything, but Mr. Quan didn't hear anything. Liu Dongan might have watched "Detective Di Renjie" too much, but at the critical moment he said, "Yuanfang, what do you think?"
I really can't figure it out.
At this time, Wen Xiangning reported the situation to Gao Yuan: "Team Leader Gao, I searched for information on China Merchants Bank and found no violations of the bond regulations. I also searched for common problems in the bond market and saw that some media
It is said that bond holdings are very popular, mainly in the spot bond market, with the purpose of avoiding policy supervision, and there are empty-handed transactions in the market, mainly in the bond settlement and settlement agency market."
Gao Yuan nodded and said: "That's right! The problems are mainly concentrated in the spot bond market and the settlement agency market. This shows that these two markets are very irregular and are likely to become important places for the transmission of interests. Just now, Mr. Liu said that these two markets
It is developing very fast, so I feel that there may be problems in these two markets, and we need to focus our inspection on these two markets in the next step."
Quan Shao couldn't help but admired: "It makes sense. Why didn't I think of that just now? It turns out that there are some clues in Liu Dong'e's words. Gao Yuan, you are really good. What's the next step?"
"Anyway, the information hasn't come over. Let's go talk to their people." Gao Yuan knew that he couldn't waste a single minute. After all, this inspection task was very heavy. There were hundreds of thousands of CMB bond transactions, covering five
There were six types of business, but the inspection time was only given for two weeks, one day less, and he really couldn't afford it.
"Okay, let's continue talking. I don't believe I can't tell their lies!" Mr. Quan was completely in the mood.