Chapter 860

Chapter 860

When the time came to the seventh day of the first lunar month, Nanyi's New Year's holiday ended, and he put his mind on work again. It was time to deal with the problem of forged credit cards that he had put down years ago.

It was approaching eleven o'clock in the morning, and Fan Shiqingyun drove to Yau Ma Tei, parked the car on the side of the road, walked into a tea restaurant at the intersection, and came to a table with two men sitting. Li Gao, I don't know another handsome guy with fair skin.

"High student."

Fan Shiqingyun sat down opposite Guiligao.

"Miss Fan, right?"

Qingyun Fan nodded, but did not correct her surname as "Fan".

"Hey." Gui Ligao pointed to the young man next to him, "This is Gu Zai, he can take you to find Da Tian Er."

Fan Qingyun looked at Gu Zai, thanked Gui Ligao, and then led Gu Zai to the parking lot. As soon as she walked out of the tea restaurant, Fan Qingyun saw a soldier in military uniform standing next to her car issuing a ticket.

Stepping forward quickly, Fan Shi Qingyun came to the side of the military uniform, "Sir, did you make a mistake, I stopped for less than ten minutes."

Before entering the tea restaurant, Fan Qingyun put coins into the yellow meter.

There are metered parking spaces on the side of the road in Xiangtang, and there is a time limit. The yellow meter is half an hour, the brown meter is one hour, and the blue meter is two hours.

"Sorry, I'm not giving you a ticket."

Covering his notebook in the military uniform, he smiled apologetically at Fan Qingyun.

"It's okay, Sir, you've worked hard."

Smiling back at the military uniform, Fan Shiqingyun pointed to the co-pilot at Gu Zai. After the two got into the car, Gu Zai directed Fan Shiqingyun to drive the car to a warehouse-type building in Sha Kok Mei, Sai Kung.

"This is an underground cockfighting arena. Da Tian Er often haunts here. I wonder if he will come over today." Gu Zai pointed through the car window and said.

"It's not even noon yet, are you sure the cockfighting farm is open?" Fan Qingyun asked, glancing at the warehouse.

"There are cockfights during the day and black boxing at night. The first match is at 1:00 p.m., so you can't go wrong."

Fan's Qingyun always felt that it was not very reliable, if Da Tian Er didn't come, she had to wait here, so she asked again: "Do you know where Da Tian Er will go? Or do you know where he lives?" where?"

"I don't know where to live. If you want to block Datianer, this is the easiest place."

When Gu Zai said so, Fan Shi Qingyun had no other choice but to wait, changed the car to a convenient place to observe, walked to the corner, took out a pack of cigarettes from his pocket, and handed it to Gu Zai one.

Fan Qingyun is a human being, not a god. She and Ruan Zhiling were in charge of Liu Zhen's safety before, and most of the time there was no substitute. In fact, there was not much time to follow closely, and more time was spent waiting.

The first class may be three or four, or even six or seven hours. You can't leave your job without permission, and you can't take out a novel for immersive reading. In order to relieve boredom, Ruan Zhiling chooses to eat pine nuts, and Fan Shiqingyun chooses to smoke.

Bodyguards, especially bodyguards with no shifts, are not easy to do. Fan Shiqingyun is now working in a collection management company. Most of the time, she works from nine to five. It's much easier to be a bodyguard.

All companies involved in credit will cooperate with one or several collection companies. Personal/small business bad debts that are difficult to collect and have been in arrears for a long time will be dumped to such companies at a low price.

Nanguo Bank also has bad debts. When the credit card is in arrears for a certain period of time, the collection work will be transferred to the collection management company. The company does not come forward to collect the money, but bundles N bills together, and assigns the creditor's rights to an outside collection company or association .

To put it bluntly, the collection management company deals with non-performing assets, but the collection management company deals with small amounts that are not suitable for litigation. For large amounts, Nanguo Bank will hand over them to PY Securities.

However, Nanguo Bank's non-performing asset ratio is not high, and there are very few large amounts of non-performing assets that need to be dealt with. This is related to Nanguo Bank's more characteristics of an investment bank. Loans are not the main business, even if it is a mortgage. , It has been tightening since the previous two years.

The reason for the tightening is that in 1988, Nanyi implemented a housing loan plan with an investment of 2 billion Hong Kong dollars in Creativity Real Estate, 10% of the down payment, and the rest was paid for by rent. Since it is a loan for the house, it must not be from The loan from Nanguo Bank is through other banks.

The left hand is borrowed from others, and the right hand is loaned out. This is not taking off your pants and farting.

Moreover, Nanguo Bank does not have so many deposits that can be opened to lend out. The bank does not accept all deposits. To open an account with Nanguo Bank, the minimum deposit is 50,000 Hong Kong dollars (it will soon become 100,000). Nanguo Bank is short-sighted and cut itself off from ordinary citizens. It only caters to middle-class and above customers.

The second is that Hong Kong’s housing loan policy is limited liability, and the bank can only repay the lender in a limited way. That is, if the lender has no money to pay for the building and is insolvent, it is over after filing for personal bankruptcy. If the house is lost to the bank, can the debt be paid off? , has nothing to do with the lender, and the bank has no power to pursue the lender.

Isn't this cheating for the bank, if the housing price is cut in half, the bank, which is a disadvantaged group, can only jump off the building.

Although Nanyi knows very well that for a long period of time in the future, the overall trend of housing prices in Xiangtang will go up. When the house is in the hands of Nanguo Bank, not only will it not lose money, but it will also make a lot of money.

If you don't regard the bank as the core of Nan's, you can indeed think about things in this way, but the bank is just the core of Nan's connecting all industries, so you can't do this.

In the short term, one or two occasional similar speculations are fine, but long-term and frequent speculations with high risks are absolutely not allowed. This will make bank insiders form inertial thinking, and it can also be said that the speculative model will be integrated into the into the corporate culture of the bank.

Once a culture is formed, it will not be so easy to come up with drastic reforms. At the least, it will seriously damage the vitality, and at the worst, it will be wiped out directly.

If you don’t want to miss out on speculative opportunities, you can set up a separate company to do this. However, Nanyi always has a basic development model tone. Outward spreading, he does it himself, or entrusts outsiders to do it, and Nan's takes some shares.

Nan Yi has been managing the Nan family with a part-time job mentality. He does not position himself as the owner and king of the Nan family. Without taking other people's opinions into account, he hoped that the Nan family would maintain the style of brainstorming and brainstorming.

Gu Zai took the cigarette, and took out the lighter knowingly to light Fan Qingyun's fire, "Elder Sister, you're not a jerk, are you?"

Fan Qingyun shrank back, keeping the cigarette butt away from the flame of the lighter, "No, it's a legitimate business."

"Do you want a certificate?" Gu Zai asked eagerly.

Fan Shiqingyun took a look at Gu Zai, "You look very handsome, why don't you become an actor?"

Gu Zai said dejectedly: "I went to Stanley to study."

Fan Shiqingyun turned her head to look at the door of the warehouse, "Who hasn't passed by yet, the key depends on your future path. My job is not suitable for you. Be an actor. Girls will definitely like to watch you."

"Being an actor?" Gu Zai was thoughtful.

Just when he was deep in thought, Fan Qingyun said, "Look, is this Da Tian Er?"

Gu Zai followed the sound and looked over, "Yes, that's him."

Fan Shi Qingyun threw the cigarette butt on the ground, "It's none of your business, you can take a taxi, or you can wait for me to finish my work and take you back."

Saying that, Fan Qingyun walked quickly towards Da Tian Er, and when she reached the other side, she confirmed, "Da Tian Er?"

"Smelly bitch, Da Tian Er was called by you, Brother Tian." Da Tian Er hadn't spoken yet, but the pony boy who was following him, with a fashionable nose ring on his nose, spoke.

Fan's Qingyun stepped forward, quickly stretched out her right hand, grabbed the nose ring and pulled it, and Ma Zai's nose instantly overflowed with blood. Then, Fan Shiqingyun took out toilet paper from her pocket, wiped the nose ring, threw it on the ground, then stared at Da Tianer, and said, "I just want to ask you something, and I will leave after asking."

Da Tian Er looked at Ma Zai, who had a bloody nose, and at Fan Shi Qingyun, who had a fierce look on his face, and wisely chose to have something to say.

"explain."

"Recently, a new group of counterfeiting credit cards has emerged, from Xiangxi or Yangcheng, please give me some information."

"Madam?" Da Tian Er asked with squinting eyes.

"When I talk to you well, you give me a good answer. There are never good men and women in bankers. Da Tianer, fortunately you are smart enough, the bank you run does not have a branch in Xiangtang, otherwise your whole family would have to be buried with you. Some People are not smart, they only pick grass to eat, and getting too close to this kind of person will do you no good."

After Fan Shi Qingyun finished speaking, her eyes became darker and colder, and she stared fiercely at Da Tianer.

Da Tianer felt a murderous look in Fan Shi Qingyun's eyes, he was sure that he read it right, it was definitely a murderous look, the woman in front of him had killed someone before, maybe more than one.

"Yangcheng Xikeng, Lin Yuancong."

"Thank you, Lin Yuancong has no chance to settle accounts with you." Fan Qingyun nodded, took out a plastic bag from her pocket, opened it, pinched the corner of the plastic bag with her fingers, shook it a few times, and dropped seven Eight Hong Kong dollars with a denomination of 1,000 yuan, "Brother will treat your wounds, a piece of advice, don't wear nose rings, it is easy to get your nose ripped off."

With a name and address, the rest is relatively simple. Just contact the police in Yangcheng and wait for the results of the investigation. Don’t try to make up for the loss. That’s not realistic.

After Nan Yi had Lantern Festival in Xiangtang, he flew to New York to preside over the restructuring of Pan American Investment Holdings.

Previously, Pan American Holdings only raised funds from shareholders, and invested in companies with promising prospects. After a long time, the market value of each company has risen again and again, and Fan American Holdings, which owns a lot of shares, will be very eye-catching. Time to make a change.

Rachel presided over the meeting of the board of directors, and Nanyi, who participated in the meeting, proposed a restructuring plan—to change the current situation of the single source of funds before Fanmei Holdings, and transform Fanmei Holdings into a capital-controlled enterprise that raises funds for the public;

According to the different fields of investment, several business departments have been established: private equity investment, real estate investment, structured financing, asset management, special opportunity investment, etc.;

As of the date of the meeting, the shares previously held by Pan American Holdings were injected into the "special project team" for separate management. In order to conceal the special features of the special project team, the company also established a "large capital project team" Invested over $100 million in customer service.

To put it simply, after restructuring, Pan American Holdings will become a capital management company that absorbs funds, invests them out, and earns profits by collecting a share of the value-added part of the funds (fund management fees).

There is no shareholder objection to the general direction of the restructuring. Every shareholder knows how much profit Pan American Holdings has brought them, and who helped them earn these benefits. No big mistakes or suggestions were made in Nanyi Before it was too absurd and outrageous, Nanyi could go his own way.

After the approval of the board of directors and the exit of the shareholders, Pan American Holdings began to adjust internally. Eighty percent of the former staff were directly transferred to the special project team, and they were looking for offices to work alone. They will not interact with other staff of Pan American Holdings in the future.

The remaining 20% ​​of the staff will be scattered and enriched into various business departments, starting from the deputy position. If they are competent, they will be directly promoted after a while. If the talents brought in from outside are more capable than them, then they will continue to stay in the deputy position. In the future Whether it will be promoted or demoted depends on each person's own ability.

Nanyi will give preferential treatment to pioneering cattle who have no credit or hard work. If they do not make principled mistakes, they will not be dismissed easily. They will be given a chance to make corrections, but they will not be guaranteed to sit in management positions.

Those who are capable go up and those who are incompetent go down. This is the eternal principle of the Nan family. High salaries require high ability and high dedication in exchange for one radish and one hole. The Nan family will never support useless people.

The land reclamation cows that can be left behind are all capable. If they can't keep up with the times and fall behind, they will leave no matter how great their previous contributions are.

Nan's will always materialize the contributions made by employees. If the employees pay, Nan will return a reward, and the big head will be cashed out directly. According to the normal number of years of retirement, you can still receive a huge pension.

After the restructuring was carried out smoothly, Nan Yi went to the Ajid Building non-stop to check the audit results of the Nan's Workers Committee by the finance team.

Although the Nanshi Workers Committee operates independently of Nanshi, Nanyi has no right to dictate its work, but the initial operating funds of the Nanshi Workers' Committee are allotted by Nanshi, and most of the committee members are also from various companies under Nanshi As an executive concurrently, he still has the right to audit the accounts.

After checking the account, Nan Yi flew to Montana again.

I have been a hostage at the training base of the Peace Dove for half a month, and cooperated with the Nan's armed forces to conduct a "hostage rescue" drill. The Peace Dove, Shit Stirring Stick, Food Guard, and Self-Defense, the teams that came conveniently came in turn, and they couldn't come. Some of them also sent representatives to observe and study.

After being a hostage for half a month, Nanyi was a special forces member in the training base for five days, participating in the "Geneva" exercise.

Basically, only people with the surname Nan, especially when Nanyi himself is being held hostage, will rescue at all costs. If it is someone else, save them if you can, and learn from Alpha if you can’t—only armed bandits and unarmed bandits The difference between gangsters, there are no hostages, shock bombs, tear gas, offensive grenades, defensive grenades, rifle grenades, incendiary bombs, as long as they can quickly destroy the enemy, use whatever you have in hand.

After a good five days, I participated in a few days of toxicology consolidation study.

The world is changing rapidly, and science is also changing with each passing day. Every once in a while, Nanyi has to learn new knowledge of toxicology, what can’t be eaten, smelled, or touched, what will happen if you eat something, and what will happen when you mix it with something. What kind of poison, which kind of poison people like to use, etc., and also learn how to save themselves.

Out of interest, Nanyi also listened to the course of "Forensic Medicine of Qi Death" by the way. Where to inject what medicine, the cause of death will be manifested as heart paralysis, heart failure, etc.; Hey, hey, it won't be long before I get 100% cancer...

Nanyi also absorbed a lot of knowledge like this, who made him a dreamy boy, a killer and an agent, who he wanted to be. Good luck tricks people, he has been a human being in two lifetimes, he has embarked on the path he despises the most, and has become the most hated capitalist.

"Well, if I hadn't become a capitalist, I would dare to go down the well to dig coal and be a real man."

On the way out of Montana, Nanyi was ashamed of his timidity and fear of getting into trouble. For the sake of a man, he decided not to insert steel plates into his body armor in the future, but to replace them with ceramic plates to fool people.

How can you say that it can block 12.7 caliber bullets, and you can use him as a monkey, such a big impact, it is useful to block bullets, and your heart will be shattered.

Back in New York, Nan Yi went to Bear Mountain State Park again, not for hiking. Nan Yi could see that Nan Wuwei really loved skateboarding. He had a plan to build a road on the mountain for skateboard lovers. Give up driving and take safety protection measures on the side of the road to reduce danger.

After two days in the state park, he found a few routes that he thought were good. On the way back, he turned a corner and went to Boston.

Nan Ruofing has bought a villa in the mountains near Cambridge in Boston. The building and a small hill belong to private territory. Tennis courts, gardens, vegetable gardens, swimming pools, and small playgrounds are all available. There is also a hot spring on the top of the hill. Nan Ruo Fing asked someone to change the direction of the stream, and built a hot spring cabin not far from the villa.

Far away from the villa is a wooden tile villa, which is Nan Ruofing's secret cabin. Nan Yi doesn't know what's in it. When he saw the "Secret Cabin" sign on the wooden door, he didn't push the door. go in.

After a walk around, not to mention, Nanyi felt that it was only 6 million U.S. dollars to buy this place. Although it spent some renovation funds later, the total sum did not exceed 9 million U.S. dollars. Whether it is to please yourself or focus on future value-added angle, are very cost-effective.

After returning to the villa, Sandy made a pot of tea for Nan Yi and sent it to the garden outside.

Sandy and Mandy, the twins Chen Shengnan invited from Nolan College in the UK during the Columbus apartment period, one followed Nan Ruofing and the other followed Fan Hongdou. Nan Ruofing.

Now, Chen Shengnan, Sandy, and Mandy are all in Nan Ruofing's villa, forming a team to take care of her daily life.

Nan Yi sat in the garden for more than an hour. At the gate at the foot of the mountain, Nan Ruofing got out of the car, walked to the stable on the side, pulled out a horse from it, turned on the horse, pulled the rein, and gently As soon as it was clipped, the horse immediately rattled and trotted up the hill.

After a while, Nan Ruobing reined in the reins, turned over from the horse's back, patted the horse's head, the horse was ordered, turned around, and walked slowly down the mountain.

"Father, why didn't you call me?" Nan Ruofeng walked up behind Nan Yi and lay down on his back.

Nan Yi flipped his hands and pulled Nan Ruobing in front of him, "It's nothing important, I just came to see you, why come back after school and not go out to play?"

"I'm coming back to change and have a frat party tonight."

"Huh? Fraternity? How can you join a fraternity as a woman? Shouldn't you join a sorority?" Nan Yi asked in surprise.

"Oh, dad, fraternities and sororities are divided into two categories, one is social, which is divided into men and women; the other is professional, which is divided according to the major of study, such as business, law, and medicine. The one I participated in It's Business Frat. It's unisex and non-exclusive. I'm in this fraternity and I can join other sororities.

Hey, dad just came, I want to buy commemorative clothes for the sisterhood, give me pocket money. "Nan Ruofing stretched out her hand and shook it up and down under Nan Yi's nose.

"Crack!" Nan Yi slapped Nan Ruobing's hand away, and said dissatisfied: "Ask me for pocket money, are you crazy, I just paid off a debt of nearly 100 million yuan a year ago, and now I'm clinking poor. "

The land in Xiaoya Bay was not sold, and Yang Kaiyan's money was due again. If he borrowed 50 million and repaid 100 million, he could get 20% commission, which is equivalent to repaying 90 million. This repayment almost didn't drain Nanyi's pockets. Not counting the money in Billions International's account, he can't get together a million dollars now.

"Hehehe, Dad, you are so poor." Nan Ruobing wiped her nose, and said stinkingly, "If you need money, you can find me. The market price is nine out of ten and thirteen returns. The compound interest rate is only one year... oh Yo, Dad, you hurt me."

"Follow me out nine times and thirteen times, and I'll cut you to death." Nanyi pretended to be angry and said, "Do you still remember that you are old enough to be an adult, and it's your turn to raise me. Hurry up, one month counts." You have $100,000, and you haven’t paid it for nine months.”

"No, Dad, you are thirty years old, and you are not yet twenty-eight years old. You are still young. Be good, I will raise you again when you are sixty."

"Little girl, you're coaxing the kids." Nan Yi smiled, and stopped talking nonsense with Nan Ruofing, "Since you still have to attend the reception, let's hurry up and talk about business."

"Um."

Nan Ruofing put away her laughter, went to sit down opposite Nanyi, and poured herself a cup of tea.

"Sign first, it's up to you."

Nan Yi took out a document and put it in front of Nan Ruofing.

Nan Ruofing glanced down, it was a power of attorney, the general content was to authorize Nanyi to exercise the management right of Xueshan Trust funds. He took out his pen and signed his name on the last page. After signing, Nan Ruofing handed the document back to Nan Yi, "Dad, are you making a big move?"

Nan Yi put away the documents and said: "There is no big move for the time being. I don't have much energy to take care of the Snow Mountain Trust. There are small moves. Wuwei likes to play skateboards. I just went to Bear Mountain State Park to find suitable ones for the construction of skateboard roads. place.

Before I went to look for it, I had an idea. Except for the Huaguo area, the production and sales rights of Xiongqi Beverage are all in my hands.

You little girl, are you familiar with extreme sports? "

"Well, I'm learning rock climbing with two people from the sisterhood." Nan Ruofing nodded.

"Extreme sports, there is only freedom, no competition; do you live 365 days a year, or live a day and repeat 364 times? These two sentences are just what I thought of sitting here. Xiongqi became popular in China because of sponsoring athletes. Standing up is closely related to the word "competition", but in foreign countries, I hope that Xiongqi is associated with freedom.

So I plan to ask Xiongqi to sponsor those who play extreme sports. No matter what kind of sport it is, as long as it is related to "extreme", we will sponsor it.

In addition, I also have an idea to sponsor underground music, punk, heavy metal, country, folk, no matter what kind of music it is, well, except for rock, ten rocks and eight suck, or not to provoke them. "

Nan Yi pursed his lips, and continued, "We can also establish the Xiongqi Conservatory of Music, devote ourselves to discovering underground musicians, set up a music station, hold the Xiongqi Music Festival, and so on."

"Dad, your idea of ​​sponsoring extreme sports is somewhat similar to that of Austrian Mateschitz, red bull gives you wings."

"To tell you the truth, my father's inspiration came from the Austrian Red Bull." Nan Yi said without hesitation: "Okay, Xiongqi, let me stop here first, and I'm telling you about the idea of ​​'Southme'.

My Southern, or rather my Dixie. The southern United States has a rather special cultural and historical background, including traces left by the early European colonial period, adherence to the principle of state rights, early slavery, and the impact of the American Civil War when the Confederate States were separated.

As the American South developed its unique traditions, literature, musical forms, and variety of culinary foods, Southern culture has one distinct characteristic..."

"The pursuit of freedom." Nan Ruofing continued.

"Yes, freedom, Southme represents a free attitude, and by extension, it is to be the coolest, most handsome, and most unique self.

Southme will be a trendy brand we want to build. Because I came up with this idea through skateboarding, I plan to start with skateboarding. The skateboard road in Bear Mountain State Park is called Southme.

This is one of them. In addition, I plan to find a piece of open space in downtown New York to build a skateboarding venue. Southme’s first store, to be precise, is the exchange center for skateboarding culture. It’s right next to the skateboarding venue. Skateboarders gather there to chat, drink, smoke, and of course skate.

At the beginning, there is no need to focus on selling products, but to develop Southme's culture first, and to promote the word first, so that as many people as possible can know the word and Southme's attitude. "

Nanyi pointed to the guide Ruobing, "As for you, Southme's management doesn't need you to come, it's still the original saying, you just need to study hard at school now..."

Nan Ruobing smiled, "Hee hee, Dad, I see, what I want to do is to bring Southme culture into fraternities and sororities, right?"

"Ha, you're still so smart. Didn't you just talk about commemorative clothes? It's just right to push Southme's concept forward. You can't make much money doing skateboards. What Southme will eventually do is clothing. T-shirts printed at $2 apiece. The LOGO on Southme is worth $200, and this business can be done.”

"Dad, do you want to put Southme under the Snow Mountain Trust?"