The financial industry was very complicated. Banks had a special characteristic, which was the mismatch between profits and risks. After lending, profits would increase in the same period.
Under normal circumstances, risks would only appear after three years. After five years, non-performing loans would increase, and after seven years, losses would form.
This mismatch between profits and risks often caused banks to only focus on profits and ignore risks. This was especially so in the current situation of severe inflation. The inflation trend of seven percent or higher was still ongoing. It had given rise to a group of people like Master Dao. There were various wars for resources, such as the War of Wool, the War of Cocoons, and the War of Tobacco.
For the banking industry, one mistake could lead to disaster. It was not uncommon for banks to go bankrupt.
Li He also hoped to operate steadily, but time waited for no man. This was the golden period for China's banking industry. If he could seize this opportunity, he would be able to soar. A conservative style was not suitable for him at the moment. He had to advance bravely.
Compared to the low service efficiency of the local banks, he still had an advantage. Currently, some local banks were still using the contract management system. The contract management system had achieved success in the villages, and it had also shown its power in the small and medium-sized enterprises. It had also made breakthroughs in the large and medium-sized enterprises. Hence, the banking industry was eager to try it out. The theoretical design of the contract management system was born. It used profits as an indicator to determine the contracted tasks and determine the salaries and bonuses.
The effort was nothing more than employees going out to collect deposits, door-to-door service, and then the collection, distribution, and use of funds.
Liu Four looked at Li He. Seeing him nod affirmatively, he said, "Okay, I'll try it next time." He was still confused about how he could withdraw money from a small card. This was beyond his understanding.
After leaving the bank, the two of them did not want to follow the car back to the hotel. They wanted to go straight to the train station.
Li Hui said, "Erhe, you're not going home for the New Year?"
"I have something to do, so I can't go back." Li He smiled and continued, "Just help me bring Lao San and Da Zhuang out. They will listen to me."
Liu Four nodded. "No problem. Once we go back, tell them that after the New Year, we'll bring them back together. "
Just as he and Li Hui turned around, Li He called out to them again and said, "Let's ask Old Yang. If he's willing, bring him along as well."
He suddenly thought of Yang Xuewen. There was no reason not to bring him along. Whether he was willing or not, he had to say something.
"Okay." This time, after Liu Four confirmed that Li He was fine, he turned around and left.
Li He was driving while Wu Shuping sat in the front passenger seat. She asked, "Mr. Li, are we leaving the day after tomorrow?"
"Have you booked the plane tickets?"
Wu Shuping nodded affirmatively and said, "It's already decided."
"Then let's go." Li He missed He Fang and his son so much that he couldn't sleep for a few nights.
He drove to the hotel, parked the car, and threw the keys to the driver who came out to greet him. He did not enter the room. Facing the biting wind, he turned up his collar and leaned against the corner of the restaurant, smoking.
It was noon. Pedestrians, cars, bicycle bells, and the voices of parents scolding their children were shuttling back and forth on the roads.
With his status and age, or perhaps his mental age, he no longer needed to pretend to be worldly and mature. He lacked nothing. If he wanted something, he only needed to look at the people around him and they would understand.
He seemed to be getting more and more useless. He began to miss the days when he had to scrape money from the cracks in the floor tiles. Even if he had to empty his mouth, he had to let his wife and children have something to eat.
All his life, he had taken great pleasure in making a living. Even if the days were hard, he could endure it. He was very easily satisfied and often felt a sense of accomplishment.
Suddenly, he didn't know if it was because he had lost his heart or because he was too ambitious. Nothing was easy to satisfy, and it was very difficult for him to feel a sense of accomplishment. His current existence was to deliberately slap the faces of those who had struggled since birth but had nothing.
He shook his head and stopped thinking about these things. He was just making things difficult for himself.
He had no way out. It was more important to get rid of the burdens and start enjoying life.
When he returned to Hong Kong, he took off his down jacket as soon as he got off the plane. This time, Loudspeaker Quan came to pick him up.
Loudspeaker Quan unconsciously drooled at Wu Shuping. After a long while, she said to Li He, "Mr. Li, get in the car."
After Li He got in the car, he asked, "What have you been busy with recently?"
Loudspeaker Quan said as he drove, "Filming a movie. Our movie is already done."
"So fast?"
Loudspeaker Quan said, "It's been half a year. It's considered slow. Other people usually make a movie every two or three months. I want to kill that director, but it's too slow. "
"Oh. There's no hurry. Sharpening the axe will not delay the work of cutting firewood. "Li He continued," I'll go take a look when I have time. Is there anything else going on recently? "
Loudspeaker Quan thought for a moment before shaking her head and saying, "No, it's just that the property market has plummeted. Mr. Shen has been busier. If he's not busy collecting rent, he's busy with demolition. He bought the land in the New Territories. There are too many troublesome people over there. "
Wu Shuping got out of the car halfway and left in a taxi. Loudspeaker Quan finally dared to swallow big mouthfuls of food as she left.
He Fang had also received the news early in the morning. She stood at the door with the child in her arms, looking out from time to time. She had gone from a slender figure to a pregnant bucket. Now, she didn't dare to wear low-waisted pants. She didn't dare to show the extra fat on her waist.
Seeing the car come out of the mountain road, she said, as if the child in her arms could understand her, "Look, Daddy's back, Daddy's back."
Li He got out of the car and took the child from her arms. Then, he kissed him and hugged He Fang's shoulder as he said, "Why did you come out? Just wait at home. "
Loudspeaker Quan was just about to get out of the car when she saw this scene. She closed the car door and drove away.
He Fang said, "I have nothing to do anyway. How is it? Is it cold over there? "
"It's cold, of course it's cold. But it's not as cold as the north. It's near the sea and the humidity is high. It won't freeze to death. "
He Fang leaned over and sniffed him. She said, "Hurry up and take a shower."
She went upstairs and put the child in the cradle. Then, she looked for clothes and a razor for Li He.
When Li He came out of the bathroom, he didn't even wait for his body to be dry. Instead, he lay on the bed with his back spread out. He looked very relaxed and different from his usual self.
He Fang rebuked him, "Get on the bed before the water is clean."
As she said that, she didn't forget to wipe his body with a towel.
Li He pulled her into his arms without a word. He chuckled and said, "Have you thought about it?"
He Fang's eyes widened. "What do you want to do?"
"Practice shifting gears."
"Ah!" He Fang cried out in surprise.
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