Gao Yuan found another cash trader named Sun Wenhan: "Your bank's cash trading business has grown rapidly. As far as I know, this has a lot to do with agency holdings. Please talk about your understanding of agency holdings."
And the specific methods for you to hold it on behalf of others."
Gao Yuan asked naturally, as if he was already extremely familiar with bond holdings, as if he had mastered the fact that China Merchants Bank held bonds on behalf of others, but in fact, this was the first time he had heard the term "agency holdings", and he was even less familiar with it.
He may know that China Merchants Bank has a bond holding agent, but he believes that he will be able to swindle something out of Sun Wenhan's mouth.
Sure enough, Sun Wenhan thought he couldn't hide it, so he began to introduce it in detail: "Holding on behalf of others is a common practice in the industry. There are various considerations for handing over one's bonds to the other party for a period of time. Some are to expand transaction volume.
In order to gain an advantage when seeking qualifications for underwriting treasury bonds; some have internally stipulated limits on the bonds that can be held. When the bonds held exceed a predetermined size, the bonds usually need to be sold to reduce the size. However, if they are good bonds, bond trading
When the department is reluctant to sell it, it will negotiate with the counterparty and let the counterparty buy it and hold it for a period of time. After the internal assessment time has passed, it will buy it back and continue to hold it."
"Some are held on behalf of others to avoid regulatory requirements, some are to avoid taxes, some are to adjust profits at a certain point in time, and some are for financing. In short, the purposes of holding on behalf of others are diverse and cannot be explained clearly in a short time. I believe that you, the leader, will
If you know better than me, I won’t waste any more words.”
Quan Shaoyi listened with rapt attention. As soon as Sun Wenhan finished speaking, he shouted excitedly: "It turns out that holding on behalf of others means holding the bonds for a period of time on behalf of others. It turns out that there are so many tricks in it." Gao Yuan hurriedly kicked him.
Gao Yuan asked Sun Wenhan what happened in their business, and Sun Wenhan learned the lesson and said what he just said
It is said to be just hearsay, and other banks may exist. As for our bank, there is no agency behavior at all, and even if it does exist, it cannot be illegal.
Gao Yuan knew that he could no longer explain anything, so he let him go out. Quan Shao regretted greatly: "I shouldn't have been so excited just now. Alas, the duck that got its mouth flew away again." Gao Yuan said it was nothing, but Sun Wenhan had already said what he said.
Quite a few. I guess what he was talking about was some of their practices. Now as long as we can find out those problems from the actual business, Mr. Quan felt at ease: "Yes, I have written down all the problems he mentioned.
I don’t believe I can’t find an example.”
Gao Yuan immediately called another business person from the bond settlement agency, named Chen Zimo. The reason why he called her over so quickly was because he was worried that when Sun Wenhan went back to report, Liu Dongan would learn that they had no experience and would let her go.
The employees fool them, so the work becomes very passive.
As soon as Chen Zimo came in, everyone felt their eyes light up. It turned out that she was an extremely eye-catching girl. She was as white and tender as a freshly peeled egg. Moreover, she looked like she was only a little over 20 at most. Gao Yuan estimated
Not long after she graduated, she asked and it turned out that she was a fresh graduate. Gao Yuan asked her to sit down next to him and began to ask: "Your bond settlement agency business has developed rapidly in recent years. You have just graduated. Are you interested in bonds?"
The settlement agent doesn’t know enough?”
Chen Zimo was immediately fooled. She thought Gao Yuan was trying to test her business knowledge. She was afraid of leaving an impression of ignorance, so she immediately said to Gao Yuan: "I have been doing this for at least a few months. In fact, there is nothing profound about it."
, to put it bluntly, isn’t it just to carry out bond sales and fund settlement on behalf of customers?”
Chen Zimo was obviously very excited because she thought she answered the inspection team's questions well and did not lose face in front of them. Gao Yuan indeed praised: "Yes, that's the concept, but do you know that your bank's bond settlement agency business exists?"
Huge risk?”
Chen Zimo was surprised: "Well, I haven't thought about the risks. I usually do whatever the leader tells me to do. You asked me to imagine the risks. What are the risks?" Chen Zimo was thinking seriously, looking from afar.
Looking at her innocent look, I can't help but think of Tan Xiaohui back then. Like Tan Xiaohui, she is also a fresh graduate of her undergraduate degree. She is also innocent and cute. I hope she can find a good boyfriend and hope that they can be good to the end and not be like me and Tan Xiaohui.
They broke up unhappy like that and suffered all kinds of torture.
"Gao Yuan, no wonder you kid is so popular with girls. It turns out that you can't move your eyes when you see a girl. As infatuated as you are, it's strange that any girl wouldn't be fooled by you." Yu Qian said on the side whether it was sarcasm or envy.
Only then did Gao Yuan realize that he was in a trance. He quickly defended: "I am just doing my work. Look where you are going. No matter how powerful I am, I can't compare with you. You and Beauty Zhuo have only known each other for a few days."
Just got married, your methods are so brilliant, I really admire you to the point of admiration." Gao Yuan was obviously sarcastic, sarcastic about his eagerness to marry Zhuo Ting, sarcastic about him treating Zhuo Ting as a ladder to success.
When Chen Zimo saw that they were talking about her, her face suddenly bloomed like a flower. Gao Yuan asked her if she had thought about the answer. Chen Zimo said that she had thought about it. Gao Yuan asked her to say it, so she replied as if she said: "As far as I know, the entrustment
Our bank handles bond and fund settlements with Category C accounts. The so-called Category C account is a bond debt account. Most of the accounts that are opened are investment companies. They are not qualified for bond transactions and have to entrust
We do transactions on our behalf. The registered capital requirements for these units are very low, only 100,000 yuan. However, it is said that these units are usually very well-connected and even have extraordinary abilities. They can obtain the issuance-stage bonds at a lower price.
Then they sell it at a higher price. Just by changing hands like this, they can make tens of millions. I personally think this is a transfer of interests, and there are huge legal risks. If it is discovered by the regulatory authorities, it will be a big problem.
Now that it’s over, we can’t escape our involvement.”
At this point, she found that Mr. Quan was looking at her with a strange look. She suddenly realized that she was talking to the supervisory department. She should protect the interests of the department, but instead she provided inspections for the supervisory department.
clue. She hurriedly silenced and covered her mouth with her hand.
Seeing her childish behavior, Gao Yuan couldn't help but feel pity for her: "Don't worry, we won't tell anyone in your unit what you said, only a few of us know." Chen Zimo looked at him with doubt, and said no more.
She was willing to speak easily, so Gao Yuan had no choice but to let her go.
"Team Leader Gao Da, your questioning is simply an art. They always fell into the trap unknowingly and confessed everything truthfully. Now it's fine. Our inspection has a direction. I originally thought there was nothing wrong with it.
I can't ask." Mr. Quan's admiration for Gao Yuan deepened a lot, and he actually added the word "big" in front of the team leader.
Gao Yuan said that what he said was correct. Now he would just wait for China Merchants Bank to send the files and everyone would sort out the issues reported by Sun Wenhan and Chen Zimo.