Almighty System Great Master Qin

Chapter 231 You are messing around

Early the next morning (nine o'clock in the morning) Xiao Hong arrived at the Central Bank of Daqin. At this time, all the staff responsible for the loan business had been waiting in the office area for a long time.

"See Mr. Wu An" Everyone saw Xiao Hong walking into the office area and bowed to salute.

"Excuse me, are all the people in charge of lending business in the depository here?" Xiao Hong looked at the crowd and asked.

"Returning to Your Majesty, all the personnel in charge of the lending business of the Central Bank of Daqin have arrived," Shen Kuo replied with a bow.

"Okay, let's all sit down." After Xiao Hong sat on the main seat, he asked everyone to sit down, and said, "How much do you know about the loan business?"

Among them, the manager in charge of the lending business stood up and replied, "Reporting to Mr. Wu An, we are currently acting in accordance with the rules and regulations of the lending business. These are the rules and regulations of the lending business. Please read it, Your Majesty."

Xiao Hong took over the rules and regulations from the manager and looked through them briefly, and found many problems. First of all, the rules and regulations were formulated too simply, and many details were not covered.

"The rules and regulations are too crude." Xiao Hong put the rules and regulations aside, and said, "I have seen the loan accounts yesterday. At present, [-]% of the loan business of the Daqin Central Bank is related to the customs export trade glass. And how much do you know about Daqin’s opening of the trade gateway to foreign trade in colored glaze?”

Xiao Hong saw that everyone did not answer, and said: "It seems that you don't know much about the policies promulgated by the imperial court. This is not acceptable. The lending business you are responsible for is a very critical job of the Central Bank of Daqin, and its role is very important. , but you don't care about the various policies of the court, so how can you do this business well?"

"For example, this time His Majesty decreed to open the trade gates, allowing merchants to export and trade glass, but you don't know that there are restrictions on the merchants who can exit the customs. Currently, there are less than ten merchants who have this qualification, and But you lend loans to a large number of people to support them to buy colored glaze to go out of the customs. What you don’t know is that once they can’t get out of the customs, the colored glaze will be thrown into the hands of these people, and Daqin’s purchasing power for colored glaze is not high. If Liuli cannot be sold, it will go bankrupt, and the loans of these people will become bad debts, which will not only make the life of the people more difficult, but also cause the bank to suffer huge losses.”

The manager in charge of the lending business fell to his knees on the ground when he heard Mr. Wu An's words. He knew that the Daqin Central Bank had loaned millions of dollars to the common people to do the colored glaze business. According to Mr. Wu An, wouldn't these accounts all become bad debts? For such a huge loss, wouldn't it be bad luck for him as a manager.

"Cunzhong" Xiao Hong glanced at the manager lying on the ground, and said, "This book of lending rules and regulations is too crude, just abolish it, and use this in the future."

Xiao Hong took out a copy of the loan rules and regulations from his personal space and gave it to Shen Kuo, and this system was exchanged by Xiao Hong for the system by spending [-] merits.

"You help him up." Xiao Hong asked others to help the manager up, and said, "It's not your fault, the main reason is that I didn't arrange the loan business before." Xiao Hong took the responsibility on himself .

"From now on, the lending business of the Daqin Central Bank will be completely stopped, and all the staff in charge of the lending business will have to learn the new rules and regulations. After a while, I will come back and conduct spot checks." Xiao Hong, as the chief vice president, ordered the stop lending business.

"Your Majesty," a staff member bowed cautiously and spoke.

"Don't be nervous, just tell me if you have something to say." Xiao Hong looked at the staff member.

"Reporting to Your Majesty, it is like this. We have accepted loan requests from five common people before, and these five loan businesses are in process," the staff member said cautiously.

"What is the reason for these five common people to borrow money?" Xiao Hong opened the account book and quickly found the business of these five common people, which was registered as being in progress.

"Reporting to Your Majesty, it's all glass trade"

"Made" Xiao Hong cursed secretly, and said, "They are all mortgaging their own real estate, right?"

"Yes Your Majesty"

"Tell them directly, just say that their loan qualifications do not match, and the Central Bank of Daqin cannot lend them money." Xiao Hong now has a headache when he hears that people borrow money to engage in colored glaze trade.

"Here, my little one obeys." After the staff member bowed to accept the order, he sat back in his seat.

"The rest of you, what else do you want to say?" Xiao Hong asked, scanning the crowd.

"No more." Everyone else shook their heads.

"Store"

"Your Majesty" Shen Kuo got up immediately when he heard Xiao Hong calling him.

"Now the Daqin Central Bank has set up two new departments, one is called the risk control department, and the other is called the policy guidance department. Among them, the risk control department is mainly responsible for the lending department, and their main job is to review the commercial use of borrowers. reliability and bankruptcy rate, and the other is responsible for assessing the value of the borrower’s collateral. As long as the risk control department fails to assess the project, the Daqin Central Bank cannot lend to the borrower, understand!”

"Here, I understand it in memory." Shen Kuo took out a pen and paper to write down every sentence Xiao Hong said.

"The next step is the policy guidance department. Now that the Daqin Central Bank is an imperial institution, it doesn't even understand the various policies issued by the imperial court. A policy and an analysis of the intention of this policy, through which to control the various businesses of the Central Bank of Daqin. However, the power of these two departments is not small, so in terms of personnel, you must choose well, and you can’t make mistakes.” Xiao Hong looked at Shen Kuo and said.

These two departments newly established by Xiao Hong will become more and more powerful as the Daqin Central Bank continues to grow, especially the policy guidance department, which can sometimes even affect the trend of the Daqin Central Bank. Once there is a mistake in this department or someone secretly If you use your power for personal gain, then it is possible to push the Central Bank of Daqin into a place of eternal doom.

"Please give me directions, Cunzhong will strictly screen the staff of these two departments," Shen Kuo assured Xiao Hong, patted his chest.

"By the way, is there only one manager for each department of the Central Bank of Great Qin?" Xiao Hong suddenly found that there seemed to be only one manager for all the departments of the Central Bank of Great Qin.

"Yes, Your Majesty, there is only one manager for all departments"

"This won't work. From now on, three deputy managers will be added to all departments. In addition to assisting the manager in the daily management of the department, the deputy manager's duty is to supervise the behavior of the department manager. And every month, you have to call all the principal and deputy managers for a meeting, my lord. I will also participate from time to time." Of course, the three deputy managers are mainly supervisory managers to prevent their public power from being used for private purposes. Of course, Xiao Hong, the deputy manager, is not at ease. Collusion from top to bottom.

(End of this chapter)