Regarding these issues, before the establishment of domestic asset management companies, the theoretical community conducted multi-level discussions and analyzed the possibility of these issues, and the actual results were more serious than theoretical analysis.

But why do we know that various moral risks occur but we do not have corresponding institutional rules to define and avoid them?

It can be said that later, there were problems with asset management companies, which were only because of the flaws in the system, and the hasty introduction of domestic asset management companies cannot be fully explained. Because, the reasons for the hasty launch of domestic asset management companies are driven by the interests of some vested interest groups, they are trying hard to lobby the government for doing so.

For example, in order to obtain huge returns from the four major banks, the Temasek Group in Singapore definitely hopes that the four major banks can throw out the historical burden. To get out, they need an institution that can take over the burden, and asset management companies are naturally the first choice.

At that time, Fan Wubing proposed that the establishment of domestic asset management companies should be first, and to see which country is not like this under the developed market system? Without corresponding laws and systems, only a few methods and regulations are simply issued, the definition of property rights of non-performing assets may not be clear, and the rights and responsibilities relationship between different organizations and institutions cannot be defined.

The non-performing loans of the four major state-owned banks are administratively assigned to the four major asset management companies established through forcibly allocated. Then the four major asset management companies should be completely directly affiliated with the four major state-owned banks. Not only does it not require financial independence, but it does not require the corresponding burden outside their organization.

But in fact, the establishment of the four major asset management companies is basically funded by the government, and the disposal of their non-performing assets must be borne by the state finance.

As some people have pointed out, the four major asset management companies are four-dimensional organizations wearing official uniforms but doing business activities, neither market organizations nor administrative organizations. Under such conditions, the relationship between state-owned commercial banks and asset management companies cannot be clearly defined.

Under this relationship, no matter which party is, it will push the risk of its operation to the other party, and will try its best to reduce its responsibility for its behavior, and it is inevitable that the inefficiency of the operation of the asset management company will be carried out.

It is also in such a system environment, and the organization of the four major asset management companies is basically personnel arrangements for the planned economic system, that domestic asset management companies grow and develop under abnormal conditions from the beginning. As policy-based financial institutions, especially a special financial institution that has been set for a ten-year life cycle from the beginning, the assessment indicators have never formed real pressure on the development of asset management companies.

In their companies, there is no mechanism constraint and they work entirely on conscience. In other words, the existence of domestic asset management companies is completely a moral constraint. If a staff member is not a moral person, then it is easy to understand that he violates the law and imposes state-owned assets.

At this time, Boss Zhu mentioned this issue and was a little worried, but he himself knew that he could not interfere in this matter. It would be impossible to win by fighting against many interest groups with his own strength. However, this time Fan Wubing took action and eliminated the Temasek Consortium's ambitions for the four major banks. Boss Zhu was still happy with the eyes, so he believed that Fan Wubing could play some positive role in this regard.

"In the next ten years, the most likely problem will be the financial industry. I am very worried. I hope you can keep an eye on it and not let them make too much trouble." Boss Zhu said to Fan Wubing.

Fan Wubing nodded, knowing very well what Boss Zhu means. If his father Fan Heng can continue to serve as a member of the Standing Committee for ten years, he will indeed play an important role. No wonder Boss Zhu trusted him with this matter. After all, with the powerful strength of Fan's Investment Group, the role Fan Heng, as a member of the Standing Committee, is far stronger than anyone else.

Today's Fan Investment Group is too huge and has grown into an unattainable capital beast. From manufacturing to finance, to minerals and air transportation, and even light industry and high-tech biopharmaceutical industries, as long as there are places where you can make a lot of money, Fan Investment Group is everywhere, and even terminals such as chain electrical appliance supermarkets, online and online games, the heavy participation of Fan Investment Group is indispensable in emerging industries such as emerging industries. It can be said that Fan Investment Group is in the places where there are people, and the opportunity to make money is inseparable from Fan.

At the beginning of the year, Fan Wubing had a rough count of his various assets, which scared him. Now, the investments and capital everywhere have exceeded 6 trillion US dollars, which does not include some small-scale investments that he did not think about. The so-called small-scale investments in his mouth are actually those investment projects worth less than one billion US dollars run by senior officials of the company.

Boss Zhu values ​​Fan Wubing so much, and Fan Wubing himself feels that with his own abilities, he can do a lot of things.

But Fan Wubing himself is also very clear that if he really wants to accomplish these things, he will inevitably offend many people and cause a lot of trouble. Even if he is so powerful, he can't bear the anger of the public. After all, this is a matter of being a way for people and money.

Therefore, Fan Wubing also had a problem in his mind, that is, things can be done, but he can only perform images on the system. It is better to stay away from the specific operation. Boss Zhu’s current situation is a lesson from the past.

Besides, I am just a businessman, not a national civil servant. There is really no need to pretend to be a saint because of everyone's interests. It is good to have a public morality, but when the public morality of the entire society is lost, there is no need to pretend to be a saint, right?

The two walked along the lake for more than an hour and talked about a lot of things.

It can be seen that during this period of time, Boss Zhu did not really purify himself, but considered a lot of issues. Otherwise, there would not be so many topics to talk about with Fan Wubing today.

"You really don't consider entering the officialdom?" At the end, Boss Zhu suddenly asked Fan Wubing a question.

Fan Wubing was stunned for a moment. He had indeed said this before, but Boss Zhu mentioned it again at this time, which made him feel a little abrupt.

When Boss Zhu saw Fan Wubing’s reaction, he said with some regret, “That’s a pity.”

"There is no regrets-" Fan Wubing understood Boss Zhu's thoughts and smiled, "Everyone has something that suits him. I am young and energetic, and I am successful in my youth. My life is very messy and it is not suitable for development in the officialdom. Moreover, I am a person who is interested in interests, and pursuing the maximization of profits is my only goal. Therefore, once I enter the officialdom, it is really difficult to guarantee that I will be a clean official, so don't mention this matter again."

Boss Zhu shook his head and said, "That's it, I believe that even if you enter this big dye vat, you won't turn black. I still have this little vision."

The two chatted for a while, and the security staff came over to tell Boss Zhu that there were guests at home.

"Then I'll go back first. If you have time, you can have tea here." Boss Zhu said to Fan Wubing.

Fan Wubing nodded, indicating that there was no problem.

He stood there, watching Boss Zhu's figure slowly disappear into the green willows by the lake, and he couldn't help but feel a little dazed, as if he remembered what Boss Zhu had said before.

"I rarely write inscriptions for others because my characters are ugly, but I give them four words and don't make fake accounts. I hope that every student who graduated from the National Accounting Academy will always remember the school motto of these four words."

"Each of us has the responsibility to build this country. To study, we must be solid and not seek fame; to do things fairly and honestly, and not be criticized by others."

"You are not diligent and not honest. You eat and drink, make random notes, be nepotism, engage in relationships everywhere, and take national property seriously. You sit on the rostrum to make a report, so how can you not scold you below?"

"No matter whether it is a mine array or a deep abyss ahead, I will move forward bravely, resolutely, devote myself to my work, and die until I die."

"Anti-corruption requires fighting tigers first and then wolves. You must never tolerate tigers and raise traitors. Prepare a hundred coffins and have one of my mouth. It is nothing more than a death to the death, but it brings the long-term and stable development of the country and the confidence of the people in our cause."

"About me, except that I am really working hard, I have no advantages. I don't want others to learn from me, especially a certain Hong Kong newspaper said that my ability is to slap the table, beat the bench, and stare at me, so I don't want to learn from me.

But this newspaper was wrong. The table had been slapped and the eyes were staring. If you don’t stare, you are a vegetable. You have never hit the bench before, so it hurts very much.

As for saying that I did this to scare the people, I think no one believed him. I never scare the people, I only scare those corrupt officials."

"I just hope that after I step down, the people of the whole country can say that he is a clean official, not a corrupt official, and I will be very satisfied. If they are more generous and say that he has done something practical, I will be grateful."

Thinking of the past, Fan Wubing was a little dazed. When he reacted again, he saw that the sun was already westward, with the setting sun, the ancient trees, the falling flowers and water, and the number of pedestrians by the lake gradually became more and more. It can be seen that their lives are simple and their mentality is relaxed.

After experiencing SARS, everyone's health awareness has greatly improved, and people are walking or exercising everywhere.

During this whole day, Fan Wubing thought of many things, but when he came to his senses, everything passed by in a flash.

Looking at the people walking by the lake, Fan Wubing shook his head and thought to himself, why bother making himself so nervous? In this twenty-seven-year-old summer, he already has too many things, money, power, beauty, and family, and nothing is missing.

What other luxury expectations can you have?

Compared with Boss Zhu, he has paid a lot, but he has gotten a lot. There is really no need to complain about anything. Could it be a problem to say that there is too much money, too many industries, and too many women to deal with it?

Fan Wubing sneered. When he was thinking about something in his mind, his cell phone rang. Several calls came in a row, but it was the women who were concerned about their calls, which made him feel infinite emotion again.

He took out the small wine pot beside him, and while drinking it, he thought that since he was reborn, he had been struggling for survival for twenty-seven years, or in his future life, he should learn to let go and grasp it, let go of industries that do not need to bet much effort, and seize these fans who are devoted to him, and don’t waste time. This is the most important thing.

As for the idea of ​​throwing a lot of youth into the officialdom, it is better to throw it away. I really don’t want to do such a thing, and I am from a young man in my prime, to be so sad as a young man in the officialdom.

As Fan Wubing thought about it, a slight smile appeared on the corner of his mouth. He suddenly slipped a little while under his feet. Although his body responded naturally in time, he didn't know what, or the alcohol content in his body was a little higher, and the sensitivity of the reaction was a little worse, and his body fell into the lake.

His swimming skills were still as bad as they were more than ten years ago. In addition to the influence of alcohol, he immediately drank two sips of water and pierced his head. His mind was also drowsy. Just as he was thinking about whether he was going to drown this time, he felt that something seemed to have caught his collar.

Then a powerful force came over and pulled him out of the water.

Fan Wubing took a deep breath, felt the fresh air, spit out the sewage from his mouth, opened his eyes and looked at the girl who caught him with a long bamboo pole tied with a curved iron hook, and seemed to feel that the other party felt a bit familiar.

"Who is this little girl? Why do you feel like you have seen it somewhere?" Fan Wubing felt that the other party impressed him, but it seemed that he had never seen it in his life.

Looking at the other party's youthful and charming figure, full chest, and beautiful face, Fan Wubing's hair suddenly exploded because he remembered the other party's identity. It was the culprit who kicked him down Yangmingshan with one kick in his previous life and led to his rebirth!

Fate! Fan Wubing grabbed one of the little girl's feet tightly, and her heart was as indescribable as if it was boiling water. He really didn't expect that he would have the chance to see this enemy again in this life. However, at this time, Fan Wubing didn't know whether it was the one who should pay a lot of money to repay the life-saving grace in this life, or to push it down and then push it down to repay the grudges and was kicked off the cliff in his previous life to vent his anger.

"Brother, are you okay?" The little girl didn't expect that she had such a close relationship with the person who fell into the water. She just asked Fan Wubing with great enthusiasm with her eyes wide open.
Chapter completed!