Rebirth 2004: I can make money by writing.

"Mr. Hao, thank you for your unwavering support over the years. This has enabled me to successfully take the position of President of the Pengcheng Branch."

Future Technology Group, inside the chairman’s office.

Qiao Shan sat opposite Hao Qiang, his tone full of respect and gratitude.

A few years ago, Qiao Shan was just the president of the Zhongda Branch of Bank of China in Yuecheng.

With his outstanding business ability, he was recognized by his superiors and his position was promoted, but he was still far from the position of branch manager.

In the financial industry, it is almost impossible to become the branch president of a city, especially a first-tier branch like Shenzhen, without a deep background and extensive network of contacts.

Or, be able to attract huge savings.

In the financial industry, savings amount is one of the important indicators to measure the strength of a bank branch.

As long as you have friends and relatives who deposit 100 million yuan in the bank and can attract a huge amount of savings, it is relatively easy to become the president of a small bank branch.

Therefore, with a client as large as Future Technology Group, which has a liquidity of over 100 billion yuan, as long as you can handle it, it is possible to become a branch manager.

At the end of 2012, the balance of deposits in RMB and foreign currencies in domestic financial institutions was approximately RMB 91.76 trillion.

Among them, the balance of residents' savings deposits (i.e. personal savings) is approximately 41 trillion yuan.

As one of the four major state-owned commercial banks, Bank of China has deposits of tens of trillions of yuan.

In a highly economically developed city like Pengcheng, the deposit scale of financial institutions is even larger. It is estimated that the deposit balance of the Bank of China Pengcheng Branch may reach 200 to 300 billion yuan.

Against this background, the importance of Future Technology Group becomes particularly prominent.

The hundreds of billions of yuan in liquidity not only makes it a "hot commodity" in the eyes of banks, but also invisibly affects the job changes and resource allocation of senior bank executives.

In order to further strengthen the relationship with Hao Qiang, the senior management of Bank of China decided to transfer Qiao Shan to Pengcheng to be responsible for the docking work with Future Technology Group.

All salaries of Future Technology Group employees have been paid through the Bank of China, and most of the funds of the group and Hao Qiang are also deposited in the Bank of China in Pengcheng.

The reason why Qiao Shan was able to be promoted from branch president to president of Pengcheng Branch was largely due to the support of Future Technology Group.

Through close cooperation with Hao Qiang, Qiao Shan not only secured huge deposits for the bank, but also paved a smooth road to a higher position for himself.

However, Future Technology Group's "unconventional" approach also put some pressure on Qiao Shan.

Unlike most companies with high debt ratios, Future Technology Group not only has no demand for loans, but its bank deposits are increasing year by year.

This phenomenon is extremely rare in the banking industry.

While most companies have debt ratios exceeding 50%, Future Technology Group has gone the other way, with its bank deposits continuously rising, even reaching over 100 billion yuan.

Perhaps in order to reduce savings risks and diversify risks, Hao Qiang also cooperates with other banks.

Every quarter, Future Technology Group’s financial team goes to the bank in person to conduct a detailed accounting of the company’s savings.

This is also the special requirement that Hao Qiang put forward to the bank.

It's my own money, so I have to know where it goes.

This is not too much, right?

He always holds a reserved attitude towards banks that are keen on lending to real estate companies and P2P institutions, and may even proactively reduce his savings in these banks or simply transfer funds to other more stable financial institutions.

Qiao Shan was puzzled by this and asked Hao Qiang the reason.

At the time, Hao Qiang's response was straightforward: "I don't like using my money to deleverage and acquire land, fueling the real estate bubble and ultimately sucking the blood of ordinary people."

After listening to Hao Qiang's explanation, Qiao Shan couldn't help but feel awe in his heart.

The two sides have cooperated for many years, and Qiao Shan understands Hao Qiang's temper. If he doesn't do as he is told, Hao Qiang will definitely give up cooperation with Bank of China.

Therefore, in recent years, Qiaoshan has asked all branches to push loans to small and medium-sized enterprises and ordinary people, rather than real estate companies, especially some real estate companies mentioned by Hao Qiang, such as Hengda.

Boss Xu tried to date him many times and even organized a dance troupe to seduce him, but Qiao Shan refused directly.

Qiao Shan himself also likes these things, but he still knows the importance of them.

Hearing Qiao Shan's words, Hao Qiang smiled slightly, picked up the teacup beside him, took a sip, and the fragrance of tea slowly spread in his mouth.

He put down the teacup, his eyes gentle but full of meaning as he looked at Qiao Shan: "Haha, this all depends on your own efforts."

He paused, as if thinking of something, and asked with a hint of inquiry: "By the way, there are quite a lot of P2P institutions recently, right?"

Qiao Shan nodded, looking serious: “Yes, Mr. Hao.

I talked to you about this a few years ago, and I have been following this matter.

At the end of last year, I asked someone to conduct a special investigation.

According to the data we have collected, the number of P2P platforms has rapidly increased from dozens at the beginning of the year to more than 200, and the annual transaction volume has exceeded 10 billion yuan.

The speed at which this industry is developing is truly astonishing.”

Hao Qiang frowned slightly, a hint of worry in his eyes: "The policy environment is too loose.

Without effective supervision, this industry is likely to expand wildly, with the number of platforms quickly growing from a few hundred to thousands or even more.

Moreover, the scale of each company will become larger and larger, and the scale of the entire market may reach trillions.

By then, the risks will have multiplied.”

Qiao Shan nodded in agreement: "Yes, you are right!

Currently, due to the lack of clear regulatory rules, some platforms have already encountered problems with irregular operations.

Some platforms adopt a fund pool model and even engage in fraud.

If these issues are not addressed promptly, they could lead to greater financial risks.”

Hao Qiang tapped the table lightly: "You can report this matter to your superiors.

With your current position and influence, you already have a certain say.

Moreover, this is also the job of your bank.

Financial stability is the responsibility of banks. If the chaos in the P2P industry is not controlled, it may eventually affect the entire financial system."

Qiao Shan nodded seriously: "Okay, I will prepare a detailed report as soon as possible and report this issue to the head office.

At the same time, I would also recommend strengthening supervision of the P2P industry, especially in terms of capital flows and risk control.”

Qiao Shan didn't think Hao Qiang was meddling in other people's business.

After all, Future Technology Group's huge amount of funds are deposited in banks, and Hao Qiang naturally hopes that these deposits can be guaranteed the greatest degree of security.

What's more, Hao Qiang is not only the richest man in the world, but also a member of the National People's Congress, with extremely high social influence and voice.

He is well-qualified to advise on regulation and policy for the financial industry.

Of course, Qiao Shan understood Hao Qiang's temperament. Hao Qiang's starting point was not just for his own interests, but with a strong sense of social responsibility.

After all, if the financial industry really gets out of control, it will benefit no one.

Whether it is enterprises, banks or ordinary people, they will suffer huge losses.

"Mr. Hao, your vision is always accurate.

"I wonder what you think about the development of the domestic real estate industry?" Qiao Shan asked.

In the past year, housing prices in first-tier cities across the country have soared, the real estate industry has developed rapidly, and the debt ratios of many real estate companies have remained high. This phenomenon has aroused widespread attention and discussion.

Hao Qiang pondered for a moment and said, "This industry has been studied by so many economists. They are not fools and can naturally see the problems.

However, if our country wants to develop, we have to sacrifice something.

The rapid growth of the real estate industry has indeed boosted the economy, but it has also laid the groundwork for many hidden dangers.”

Qiao Shan nodded, understanding what Hao Qiang said.

“Yeah, that’s true.

Finance and real estate, these two industries seem independent, but in fact they are closely linked.

As providers of funds, our banks must keep a clear head.

Otherwise, once the bubble bursts, the consequences will be disastrous.”

Qiao Shan benefits a lot from every conversation with Hao Qiang.

Qiao Shan visited Hao Qiang for half an hour and then left.

It was very kind of Hao Qiang to spare half an hour to meet him, especially since they had a good relationship before.

That year, Hao Qiang borrowed money from the bank and the two parties established cooperation.

night,

Hao Qiang returned to the manor. The lights were on, but they couldn't hide the unusual atmosphere.

As soon as he walked into the hall, he saw the eldest daughter Hao Yuxuan walking towards him with tears in her eyes after seeing him, and her tears fell like beads from a broken string.

"Dad... wuwu..." Xiao Yuxuan sobbed, her voice full of grievance.

Seeing this, Hao Qiang's heart softened and he asked softly, "What's the matter? Who bullied my precious daughter?"

Xiao Yuxuan raised her tearful eyes and asked with a hint of anticipation, "Dad, what would you do if someone hit your daughter?"

Upon hearing this, Hao Qiang raised his voice without hesitation: "Whoever hits my precious daughter, I will beat his daughter severely!"

However, when Xiao Yuxuan heard this, she not only did not feel comforted, but she collapsed instantly, tears streaming down her face uncontrollably: "Forget it then! Wuwu..."

After saying that, he turned around and left, without even the thought of asking his father for a hug and comfort, leaving Hao Qiang with a confused look on his face.

Hao Qiang stood there, somewhat bewildered. Seeing his wife Qiu Yuqing approaching with a hint of anger, he asked curiously, "What happened to Yuxuan?"

She glanced at Hao Qiang, her tone full of blame: "It's all because of you!

She is becoming more and more spoiled. Today she had a conflict with some kids in kindergarten and even hit them. Their parents almost came to our house and she even talked back to me when she got home. I couldn't help it and beat her up.

Don't worry about her, let her reflect on herself."

After hearing this, Hao Qiang immediately understood the whole story.

No wonder, no wonder.

Hao Qiang smiled awkwardly and didn't dare to refute.

He knew that although Yuqing was strict, it was for the good of her daughter.

Ever since she gave birth to her child, especially as the child grew up, there was more sadness on her face.

At dinner time, a warm atmosphere permeated the manor's restaurant.

The family sat around the long table, quietly enjoying a sumptuous dinner.

The four children sat in a row, each concentrating on eating the food in their bowls.

Even the two youngest children are able to eat independently. Although their movements still seem a little clumsy and the food is scattered all over the table, Hao Qiang and his family do not interfere too much, but let them figure it out on their own.

Which child isn't like this when they are young?

Hao Qiang's children are indeed different from other children. Not only do they develop physically faster, but they also appear to be particularly mature mentally.

Before the age of one, he was already able to communicate in a simple way and to do some simple things independently.

After dinner, Hao Qiang took the children for a walk in the manor.

The manor looks particularly peaceful under the night sky, with the breeze bringing bursts of floral fragrance.

Hao Yuxuan seemed to have completely forgotten about being beaten by her mother in the afternoon, and returned to her usual lively and cheerful self, playing with her brother, her laughter clear and pleasant, as if all her worries had been left behind.

As the night deepens,

Hao Qiang returned to his study, intending to calm down and review his plans for the new year.