The financial industryisverycomplex, the bankhascharacteristics, isprofitworking astime and riskhysteresis qualitymispairing, after lending the loan, when the profit the timeincreases. Ordinary circumstancesnext3yearslaterwill present the risk, 5yearslater the non-performing loancanincrease, 7yearslaterwill form the loss.
金融业是很复杂的,银行有一个特征,就是利润当期性与风险滞后性的错配,发放贷款后利润当期就增加。一般情况下3年后才会出现风险,5年后不良贷款会增加,7年后会形成损失。
The mispairing of thisprofitandrisk, oftenmakes the bankonlysee that the profithas neglected the risk. In the especiallycurrentcurrencyserioussituation, 7%orhigherinflationsituationwas still continuing, has expedited‚profiteer’suchonegroup of people, presentedanything‚woolwar’and‚silkworm cocoonwar’and‚tobaccowar’to fight for the resourcesvariouswars.
这种利润与风险的错配,往往使银行只看到利润而忽视了风险。特别是当前通货严重的情况下,7%或更高的通胀态势还在持续,催生了‘倒爷’这样的一群人,出现了什么‘羊毛大战’、‘蚕茧大战’、‘烟草大战’等争夺资源的各种大战。To the banking industry, onecarelesslyis the total destruction, the bankgoes bankruptis not the strangematter.
对银行业来说,一个不慎就是灭顶之灾,银行破产也不是稀奇事。Li Healsohopesto managewith steady steps, but the timedoes not wait for the person, now the goldenperiod of expansion of ChineseBanking industry, holdshas been able a flyingculmination. The conservativestyledoes not suithimat present, must the turbulent currententerbravely.李和也希望稳步经营,可是时间不等人,现在正是中国银行业的黄金发展期,抓住了就能一飞中天。保守的风格目前不适合他,必须激流勇进。Compared todomestic banklowservice efficiency, hehas the superiority, some banks in currenthomewere still doing the contracting system, the household management responsibility systemhave achieved the achievementin the rural area, demonstrated that in the small and medium-sized enterprise the might, had also broken throughin the enterprises, therefore the banking industrywas eager to try, the theoretical design of bankcontracted managementarose spontaneously, made the targetby the profit, the determinationcontractduty and definitewagesbonus.
相对于国内银行低下的服务效率,他还是有优势的,目前的国内的一些银行还在搞承包制,承包经营责任制在农村取得了成就,也在中小企业显示出了威力,在大中型企业也有所突破,因此银行业跃跃欲试,银行承包经营的理论设计油然而生,以利润做指标,确定承包任务、确定工资奖金。
The effort that makesnothing butisstaffgoes outembracesstorageShouchu, visitsto serve, thenstresses the accumulation, assignment and the usefund.
所做的努力无非是员工出门揽储收储,上门服务,然后抓资金的聚集、分配及使用。Liu LaosilookedtoLi He, sawhisaffirmativenod, said,„line, Inext timewill try.”Howhecantaketo disburse money the doubtsregarding a smallcard, thishas surpassedhiscognition.
刘老四看向了李和,见他肯定的点了点头,才说,“行,那我下次试试。”他还是对于一张小卡片怎么能取出钱有疑惑,这已经超出了他的认知。Comes outfrom the bank, twopeopleare not willingto return to the hotelwith the car(riage), mustdirectly soar the train stationto go.
从银行出来,两个人不愿意跟车回酒店了,要直奔火车站而去。Li Huisaid,„Er He, youdidn't go hometo celebrate the new year?”李辉说,“二和,你不回家过年了?”„Temporarilya little mattercannot go back.”Li Hecontinuesto saywith a smile,„youhelpmeandbringgreatlystrongly the third childon the line, theywill listenmy.”
“暂时有点事情回不去。”李和笑着继续道,“你帮我把老三和大壮带出来就行,他们会听我的。”Liu Laosilayer on layer/heavilynods, „does not have the issue. Went backto tellthem, whencelebrated the new year, yearlaterledthemto cometogether.”
刘老四重重的点头,“没问题。一回去了就跟他们俩说,等过完年,年后一起带他们来。”Hejustturned aroundwithLi Hui, Li Hehas stopped by callingthem, said,„askedoldYangone, ifhewanted , the belt/bringcame outtogether.”
他跟李辉刚转身,李和又把他俩喊住了,说,“问老杨一声吧,他要是愿意吧,也一起带出来。”Hesuddenlythinks that Yang Xuewen, has had no reason the belt/bringnot to cometogether, no matterwants, mustsayone.
他突然想起来了杨学文,没有理由不一起带过来,不管愿意不愿意,都要说一声。„Becoming.”ThistimeLiu Laosidetermined that Li Hedid not haveissue, turned around.
“成。”这次刘老四确定李和没问题了,才转身走了。Li Heis driving, WuShupingsitson the copilot, asked,„Mr.Li, will walkthe day after tomorrow?”李和在开车,吴淑屏在副驾驶上坐着,问,“李先生,后天走么?”„Did airplane ticketsubscribe?”
“机票订了?”WuShupingaffirmativenod, said,„has decided.”
吴淑屏肯定的点点头,说,“已经定了。”„Thatwalks.”Li Hehas thoughtvery muchwhatFang and son, thoughthadseveralevenings unable to sleep.
“那就走吧。”李和已经很想何芳和儿子了,想的有几晚上都睡不着觉了。Hedrives the hotel, after stopping, the keylosesto the driver who welcomed, no longermanaged. Hehas not entered the room, was welcomingslightly the piercingwind, raised up the collar, bysmokesin the corner of hotel.
他开着车到了酒店,停下车后,钥匙丢给了迎出来的司机,就不再管了。他没有进屋,迎着略刺骨的风,竖起衣领,靠在饭店的拐角抽着烟。At noon, the pedestrian of coming and going, the car(riage)sound, the bellsound of bicycle, the guardianreprovedchild'svoiceloudly, back and forthshuttled back and forthon the street.
正是中午时分,来来往往的行人,车声,自行车的铃铛声,家长大声训斥孩子的声音,在马路上来回穿梭。Athisstatus and age, oris the psychologicalage, has not neededto disguise assuaveandexperienced, hisanythingdoes not lack, wantinganythingevenonlyto need a look, the surroundingspeoplecancomprehend.
以他的身份和年纪,或者说是心理年纪,已经不需要假扮世故和老成了,他什么都不缺了,想要什么甚至只需要一个眼神,周围人都能领会的到。Hehas lacked prospectsprobablymore and more, startsto fondly remember the brickwork jointto dig outmoney the day, moneydoes not bucklefrom the gap between teeth, cannot buckle. Oneselfare emptying the mouth, mustmakewifesomeeat, mustmakechildsomeeat.
他好像越来越没出息了,开始怀念地砖缝抠钱的日子,钱不从牙缝里扣,是扣不出来的。自己空着嘴,也得让媳妇有的吃,也得让孩子有的吃。Heloves to talk aboutinoneselfyoungjobfor a lifetime, even ifhard times, hecanreceive, moreoveris easyto satisfy, has the sense of achievementfrequently.
他一辈子都津津乐道于自己的小营生,哪怕苦日子,他都能受着,而且非常容易满足,经常有成就感。Hedoes not knowsuddenlydid not have the heart, was the ambitionwas big, was not easyto satisfytoanything, was very difficult the thingto makehimhave the sense of achievement. Hispresentexistencewasintentionallyfanthesestartsto strugglefrom the birth, to the slap and slap in the face of personnowdoes not have a thing in the world.
他突然又不知道是没心了,还是野心大了,对什么都不是那么容易满足了,很难有东西让他有成就感了。他现在的存在就是故意扇那些从出生就开始奋斗,到今一无所有的人的耳光。Shakes the head, no longerthinksthesematters, oneselflook for troubletooneself.
晃晃脑袋,不再想这些事情,自己给自己找不自在罢了。Hehas been possibleto draw backroadless, gets ridarduously, startsto enjoy the lifeisjusttight.
他已经无路可退了,摆脱繁重,开始享受人生才是正紧。Returns toHong Kongtime, got out of the airplaneescaping the featherlined jacket, thistimewas the loudspeakerallpicks.
回到香港的时候,一下飞机就把羽绒袄给脱了,这次是喇叭全来接机的。
The loudspeakerhas all been cookingunder the salivatoWuShupingunconsciousattracting, goodhalfto saytoLi He,„Mr.Li, youboards.”
喇叭全对着吴淑屏不自觉的吸熘了下口水,好半会才跟李和说,“李先生,你上车。”
After Li Heboardsasked,„whatrecentlywas busy at?”李和上车后问,“最近在忙啥?”Loudspeakerentiredriveswhile said that „made the movie, ourmovieshave shot.”
喇叭全边开车边道,“拍电影,我们的电影已经拍出来了。”„Is so quick?”
“这么快?”
The loudspeakerallsaid,„this halfyears, areslow, othersare23months a flat and thin piece. Iwantto killthatdirector, was too slow.”
喇叭全道,“这都有半年了,算是慢了,人家都是23个月一部片子。我都想杀了那个导演,也太慢了。”„. Does not worry, the mill knifedoes not harm the chopping firewoodlabor.”Li Hecontinues saying that „hastimeIto have a look. Whatmattersrecentlydidn't haveother?”
“哦。不着急,磨刀不误砍柴工。”李和继续道,“有时间我去看看。最近没其他什么事情了吧?”
The loudspeakerallthinksto shake the head saying that „did not have, was ominous, Mr.Shen who the real estate marketfell was quite busy, was not busyreceiving the property under construction, was busyrelocating, hepattedNew Territoriesthat sideplace. That sidehard to deal withcharacterwere too many.”
喇叭全想了想才摇摇头说,“没了,就是楼市跌的凶了,沈先生就比较忙了,不是忙着收楼花,就是忙着拆迁,他拍下了新界那边的地。那边难缠的人物太多了。”WuShupinggot outfrom the half-way, takes taxito walk. The loudspeakerfinallywas all daringswallowing of bigmouthtoherback.
吴淑屏从半道下车,打车就走了。喇叭全对着她的背影终于敢大口的吞咽了。whatFang is also a morningmeets the news, hugs the childto standin the entrance, oftenlooks aroundtowardoutside. Sheis gracefulfrom the stature, to the bucket of pregnancy, indoes not dareto wear the lowshortsto the present, on the waisthad the flab, does not dareto reveal.
何芳也是一早上就接的了消息,抱着孩子站在门口,不时的朝外面张望。她从身材曼妙,到怀孕的水桶,在到现在不敢穿低腰裤,腰上有了赘肉,不敢露了。Saw that the vehiclecomes outfrom the mountain road, the child who probablybosomchildcanunderstandherto speakresults, said,„takes a look, the fathercame back, the fathercame back.”
看到车子从山道里出来,好像怀子里的孩子能听懂她说话似得,说,“瞧瞧,爸爸回来了,爸爸回来了。”Li Hegot outto pick upfromherarms the child, thenhas kissedone, embracedwhatFang the shoulder saying that „whatyoudid come outto make? Is waitingat homeand that's the end.”李和下车把孩子从她怀里接了,然后亲了一口,揽着何芳的肩膀道,“你出来做什么?在家里等着就是了。”
The loudspeakeralljust about togets out, seesthisscene, the closevehicle door that takes a look , the vehicleturned aroundwalks.
喇叭全刚要下车,见到这场景,瞧瞧的合上车门,车子掉头就走了。whatFangsaid,„idlesis also idling. What kind , is that sidecold?”
何芳说,“闲着也是闲着啊。怎么样,那边冷不冷?”„Cold, naturallyis cold. Howevercompared withnortherncold, that sidedoes not depend on the sea, the humidityis big, frozennon-deceased person.”
“冷,当然冷。不过不比北方的冷,那边靠海,湿度大,冻不死人。”whatFangcouonhimsmelled, said,„hurriesto take a bath.”
何芳凑他身上闻了闻,说,“赶紧去洗澡吧。”Went upstairshas putin the cradle the child, looked for the clothestoLi He, looked for the razor blade.
上楼把孩子放到了摇篮里,给李和找衣服,找剃须刀。Li Hecomes outfrom the bathroom, does not needwaterto polish, face upwardslying downon the bed, assumes the bigglyphdirectlyall of a sudden, appearsveryrelaxed, withusuallyjust likedifferent.李和从浴室出来,也不待身上的水擦干净,直接一下子仰躺在床上,呈大字形,显得很轻松,与平时又俨然不同。whatFangis angryno wonder that „watercleanhas not gone to bed.”
何芳嗔怪道,“水没干净就上床。”At the same time said that has not forgottensideto scrub the bodywith the toweltohim.
一边说还不忘一边拿毛巾给他擦身子。
A Li Henon-throatdrew the bosomher, hehesaid with a smile, „thought?”李和一身不吭的把她拉到了怀里,嘿嘿笑道,“想了没?”whatFangstares the bigeye saying that „wantsto do?”
何芳瞪大眼睛道,“想干嘛?”„Practicesto hang the files.”
“练练挂档。”„.”whatFangstartled.
“啊。”何芳一声惊唿。Twopeopleneverfelt that suchnear, thenday that startednot to be hot-temperedshamelessly.
两个人从未感觉如此之近过,然后开始了没羞没躁的日子。
( To be continued......) r
(未完待续……)r
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