The financial industry is very complex, the bank has characteristics, is profit working as time and risk hysteresis quality mispairing, after lending the loan, when the profit the time increases. Ordinary circumstances next 3 years later will present the risk, 5 years later the non-performing loan can increase, 7 years later will 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 this profit and risk, often makes the bank only see that the profit has neglected the risk. In the especially current currency serious situation, 7% or higher inflation situation was still continuing, has expedited ‚profiteer’ such one group of people, presented anything ‚wool war’ and ‚silkworm cocoon war’ and ‚tobacco war’ to fight for the resources various wars. 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, one carelessly is the total destruction, the bank goes bankrupt is not the strange matter. 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 He also hopes to manage with steady steps, but the time does not wait for the person, now the golden period of expansion of Chinese Banking industry, holds has been able a flying culmination. The conservative style does not suit him at present, must the turbulent current enter bravely. 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 to domestic bank low service efficiency, he has the superiority, some banks in current home were still doing the contracting system, the household management responsibility system have achieved the achievement in the rural area, demonstrated that in the small and medium-sized enterprise the might, had also broken through in the enterprises, therefore the banking industry was eager to try, the theoretical design of bank contracted management arose spontaneously, made the target by the profit, the determination contract duty and definite wages bonus. 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 makes nothing but is staff goes out embraces storage Shouchu, visits to serve, then stresses the accumulation, assignment and the use fund. 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 Laosi looked to Li He, saw his affirmative nod, said, „line, I next time will try.” How he can take to disburse money the doubts regarding a small card, this has surpassed his cognition. 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 out from the bank, two people are not willing to return to the hotel with the car(riage), must directly soar the train station to 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 Hui said, „Er He, you didn't go home to celebrate the new year?” 李辉说,“二和,你不回家过年了？” „Temporarily a little matter cannot go back.” Li He continues to say with a smile, „you help me and bring greatly strongly the third child on the line, they will listen my.” “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 Laosi layer on layer/heavily nods, „does not have the issue. Went back to tell them, when celebrated the new year, year later led them to come together.” 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。” He just turned around with Li Hui, Li He has stopped by calling them, said, „asked old Yang one, if he wanted , the belt/bring came out together.” 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。” He suddenly thinks that Yang Xuewen, has had no reason the belt/bring not to come together, no matter wants, must say one. 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.” This time Liu Laosi determined that Li He did not have issue, turned around. “成。”这次刘老四确定李和没问题了,才转身走了。 Li He is driving, Wu Shuping sits on the copilot, asked, „Mr. Li, will walk the 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 ticket subscribe?” “机票订了？” Wu Shuping affirmative nod, said, „has decided.” 吴淑屏肯定的点点头,说,“已经定了。” „That walks.” Li He has thought very much what Fang and son, thought had several evenings 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。 He drives the hotel, after stopping, the key loses to the driver who welcomed, no longer managed. He has not entered the room, was welcoming slightly the piercing wind, raised up the collar, by smokes in 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 bell sound of bicycle, the guardian reproved child's voice loudly, back and forth shuttled back and forth on 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。 At his status and age, or is the psychological age, has not needed to disguise as suave and experienced, his anything does not lack, wanting anything even only to need a look, the surroundings people can comprehend. 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。 He has lacked prospects probably more and more, starts to fondly remember the brickwork joint to dig out money the day, money does not buckle from the gap between teeth, cannot buckle. Oneself are emptying the mouth, must make wife some eat, must make child some eat. 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。 He loves to talk about in oneself young job for a lifetime, even if hard times, he can receive, moreover is easy to satisfy, has the sense of achievement frequently. 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。 He does not know suddenly did not have the heart, was the ambition was big, was not easy to satisfy to anything, was very difficult the thing to make him have the sense of achievement. His present existence was intentionally fan these starts to struggle from the birth, to the slap and slap in the face of person now does 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 longer thinks these matters, oneself look for trouble to oneself. 晃晃脑袋,不再想这些事情,自己给自己找不自在罢了。 He has been possible to draw back roadless, gets rid arduously, starts to enjoy the life is just tight. 他已经无路可退了,摆脱繁重,开始享受人生才是正紧。 Returns to Hong Kong time, got out of the airplane escaping the feather lined jacket, this time was the loudspeaker all picks. 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 loudspeaker has all been cooking under the saliva to Wu Shuping unconscious attracting, good half to say to Li He, „Mr. Li, you boards.” 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 He boards asked, „what recently was busy at?” 李和上车后问,“最近在忙啥？” Loudspeaker entire drives while said that „made the movie, our movies have 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 loudspeaker all said, „this half years, are slow, others are 23 months a flat and thin piece. I want to kill that director, 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 knife does not harm the chopping firewood labor.” Li He continues saying that „has time I to have a look. What matters recently didn't have other?” “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 loudspeaker all thinks to shake the head saying that „did not have, was ominous, Mr. Shen who the real estate market fell was quite busy, was not busy receiving the property under construction, was busy relocating, he patted New Territories that side place. That side hard to deal with character were 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。” Wu Shuping got out from the half-way, takes taxi to walk. The loudspeaker finally was all daring swallowing of big mouth to her back. 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。 what Fang is also a morning meets the news, hugs the child to stand in the entrance, often looks around toward outside. She is graceful from the stature, to the bucket of pregnancy, in does not dare to wear the low shorts to the present, on the waist had the flab, does not dare to 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 vehicle comes out from the mountain road, the child who probably bosom child can understand her to speak results, said, „takes a look, the father came back, the father came 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 He got out to pick up from her arms the child, then has kissed one, embraced what Fang the shoulder saying that „what you did come out to make? Is waiting at home and 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 loudspeaker all just about to gets out, sees this scene, the close vehicle door that takes a look , the vehicle turned around walks. 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。 what Fang said, „idles is also idling. What kind , is that side cold?” 何芳说,“闲着也是闲着啊。怎么样,那边冷不冷？” „Cold, naturally is cold. However compared with northern cold, that side does not depend on the sea, the humidity is big, frozen non- 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。” what Fangcou on him smelled, said, „hurries to take a bath.” 何芳凑他身上闻了闻,说,“赶紧去洗澡吧。” Went upstairs has put in the cradle the child, looked for the clothes to Li 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 He comes out from the bathroom, does not need water to polish, face upwards lying down on the bed, assumes the big glyph directly all of a sudden, appears very relaxed, with usually just like different. 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。 what Fang is angry no wonder that „water clean has not gone to bed.” 何芳嗔怪道,“水没干净就上床。” At the same time said that has not forgotten side to scrub the body with the towel to him. 一边说还不忘一边拿毛巾给他擦身子。 A Li He non- throat drew the bosom her, hehe said 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？” what Fang stares the big eye saying that „wants to do?” 何芳瞪大眼睛道,“想干嘛？” „Practices to hang the files.” “练练挂档。” „.” what Fang startled. “啊。”何芳一声惊唿。 Two people never felt that such near, then day that started not to be hot-tempered shamelessly. 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