After learning about Zhou Liwen's situation, David became more curious about Zhou Liwen's request before. He sat quietly, staring at Zhou Liwen with his eyes, waiting for the other party to speak.

"As the new chairman, I don't want to hide my ideas from you. I also need your help." Zhou Liwen said to David sincerely: "According to my plan, National Bank of America will make major adjustments to its business after completing the restructuring. Within the bank, traditional business will be divested, and a new network department and credit department will be established, as well as an investment department. This is my preliminary plan. Only by completing these adjustments can National Bank of America move forward in the cruel competition in the banking industry."

David nodded slightly. Zhou Liwen's considerations were not unreasonable. Although David is not young, he also knows that the banking industry has undergone earth-shaking changes over the past decade. Traditional management and business methods have been gradually replaced. With the continuous development of Internet technology, and the changing methods of Wall Street's group of people who eat people and don't spit bones have been squeezed into the living space of small banks.

In fact, a few years ago, David tried to change this situation and adjust the bank. Unfortunately, due to his insufficient capital and the deep-rooted concept of experience from top to bottom, even if he had the will, he would not be able to do so, and he would have to leave it alone.

"David, you have worked in this bank for nearly 3 years and are experienced, so I plan to let you continue to be responsible for the traditional bank's business. You also know that I have many industries and this chairman is unable to perform daily operations at all. Moreover, compared with you, the management of the bank is far inferior to that of you."

Although David was a little expectant, when Zhou Liwen said this, he also showed a surprised expression.

"You mean, I will continue to be responsible for the traditional business of this bank?"

Zhou Liwen nodded and said, "It not only includes this aspect, but also the daily management of the bank. That is, most of the functional work of the CPO, how about David? I understand your feelings for this bank. I think you are willing to see that this bank will develop into a transnational bank in the future, right? Isn't this your ideal and persistence? Now this opportunity is in front of you, David, don't you realize your wish?"

Zhou Liwen was like a weird uncle who was seducing the little girl with a lollipop, trying to convince David in a very seductive tone. At this time, David seemed to be thinking about something and was quietly pondering. After saying this, Zhou Liwen did not urge him, waiting for David's reply.

After a long time, David sighed, crossed his hands in front of his chest, and a smile hanged on the corner of his mouth: "To be honest, Bavc, your proposal made me very moved. However, you also know that I am not young anymore. Before you come, I was ready to retire, but now if you accept your invitation, all the previous preparations will be adjusted."

"Then let's adjust." Zhou Liwen was not depressed at all, but smiled and said, "There will be changes in this world in this way. There is a Chinese proverb that man's calculation is not as good as God's calculation. According to the Western explanation, this is God's will. David, since God has asked us to do this, shouldn't we make choices according to God's will?"

David also laughed at once. He thought for a while and finally nodded: "Okay, Bavc, I have to say that you are a guy who is very good at bewitching people. You have indeed hit my weakness. So, let's have a happy cooperation?"

"Happy cooperation" Zhou Liwen stood up with a smile and shook hands with David heavily. When both parties separated, the previous estrangement seemed to disappear instantly, and the two of them laughed happily at the same time.

Soon, a news spread from National Bank One. Mr. David Buck, the former chairman of the Buck family who had previously mastered the bank, was not only appointed as honorary chairman after the merger, but also trusted chairman as executive director and vice president. In a sense, this appointment did not reduce David's original rights, but instead, after merging business with the State Community Development Bank in Texas, including adding some investment banking channels, David's rights were greater than before.

This appointment surprised many people, especially those former board members and some shareholders who sold their shares. Because in their opinion, David, a stubborn old guy, refused to sell his shares in the bank, and after the bank is acquired, there will be only the path of early retirement. Because no matter what, a new board of directors, in order to avoid the excessive power within the original bank, must "clean up" key figures like David. However, the result surprised everyone. David did not become the "mascot" of the bank as shameless as they imagined, nor was he in a semi-retired state. Instead, he further continued to master most of the bank's operating and management rights.

This situation made everyone unable to understand, even including Leo and the other two shareholders who had been standing on David's side. Regarding their indirect or straightforward questions, David just asked back: "Don't you want National Bank No. 1 to become a big bank like Morgan and Wells Fargo?

This sentence left everyone speechless. After David officially took office, Zhou Liwen's adjustment strategy for the No. 1 National Bank of America officially began. In just a few months, the businesses of the three banks were basically merged. In addition to the investment banks continuing to exist alone, some of the businesses separated from the investment banks, including the overall business of the State Community Development Bank in Texas, began to be classified as No. 1 National Bank of America.

The capital of the reorganization of the United States National Bank has exceeded US$200 million. In addition to most of the previous areas of California, its outlets have also developed rapidly in the southwest of Texas and other southwest. Even in the eastern heavy city of New York, the United States National Bank has extended its tentacles directly to this place for the first time and established its branches locally to carry out new businesses.

Immediately afterwards, China Shanghai Bank, as the largest commercial bank in China and the No. 1 National Bank of America signed an agreement with each other. After the agreement was signed, the No. 1 National Bank of America officially announced that the two banks would conduct cross-exchange shares to strengthen cooperation in all aspects. At the same time, the online trading system that Zhou Liwen cooperated with will also be transferred from the previous Wells Fargo to the No. 1 National Bank of America, which marks that the No. 1 National Bank of America has begun to expand from a local small bank and gradually reveals its ambitious attitude.

During the expansion process, Zhou Liwen's internal plans were also being carried out closely. Some newly established parts greatly enriched the operating mechanism of the No. 1 National Bank of America, and the new middle-level management teams at all levels of the bank continued to be in place, and the entire bank showed a vibrant image.

Of course, there is an important business in the No. 1 National Bank of America, which is to cooperate with Fannie Mae and Freddie Mae loans. Zhou Liwen is extremely concerned about this business. He is very clear that this is a time bomb that may explode anytime and anywhere, but in the same way, it is not only a bomb, but also a good opportunity. For this reason, Zhou Liwen specially set up a special department to deal with the cooperation with the other party. Of course, external publicity is for the intention of better cooperation, and it has also been praised by Fannie Mae and Freddie Mae. For this reason, the two credit companies also took the initiative to propose the intention to expand the scope of cooperation with the No. 1 National Bank of America. In response, Zhou Liwen instructed the personnel below to agree, but in the specific operation, they did not dare to be careless at all.

Half a year passed in a flash. In the past six months, the development of the No. 1 National Bank of America has been as stable as Zhou Liwen expected. Of course, this cannot be separated from David's assistance. It is precisely because David served as executive director and vice president that comforted the hearts of a large number of employees in the bank and made them more determined to stay in the bank to work with peace of mind.

In half a year, after acquisition, merger, restructuring, cross-swap stock exchange with Shanghai Bank and becoming agent banks, and the total means of capital increase and development, its assets have exceeded US$600 million. From the current perspective, this bank has squeezed into the ranks of medium-sized banks, and there is no surprise that the No. 1 Bank of America will not enter the ranks of large banks in a few years.

Because the reason is very simple, compared with traditional businesses, the US No. 1 National Bank has developed rapidly in online transactions and payments, especially the overseas shopping project of Taobao and Ali, which is the direct overseas online shopping project that Liu Ting visited the United States before. This project officially started operation last year, Xiangjiang's transit base has been completed, and the agreements of various American e-commerce companies have also been officially signed. Originally, according to Zhou Liwen's plan, this business was handed over to Wells Fargo, but because these businesses are more complicated and the amount of a single ticket is not large, Wells Fargo is not very interested in it. Now, since it has its own bank, Zhou Liwen decisively transferred the business to the US No. 1 National Bank.

Although at the beginning, many people raised objections to such cumbersome business within the bank, with Zhou Liwen's insistence and the prestige and support of David who was already on his side, the project was still on schedule. But no one expected that just a few months later, this inconspicuous project actually became the fourth-ranked important department within the bank. With the rapid development of overseas shopping business in China, the number and amount of business transactions have increased sharply. Now, relying solely on this project, the United States National Bank can obtain a transaction volume of up to US$1.86 million per month, and this amount is increasing by more than 3.

More importantly, with the development of this business, the number of savings users of National Bank of America has also begun to increase sharply, including some major luxury goods companies opening accounts and setting up business transactions. This is an extremely exciting result. Everyone's attitude towards this project suddenly took a 180-degree turn, thus praising Zhou Liwen's vision and decision.

"Driving"

In the mansion in Los Angeles, no one could imagine that Zhou Liwen was riding a horse in the living room with her naughty eldest son on her back. The little guy was so excited that he danced with his hands and shouted at the sound of a driver. Zhou Liwen did not have the style of the world's richest man at all, and enjoyed it like an ordinary father.

"Down Duoduo, your father is going to be exhausted." Lin Yaxuan hugged his youngest son who was already talking, and she couldn't help laughing when she saw the scene in the living room. Then she shouted at the excited eldest son. Not to mention, the little guy is not as stubborn as other children. Especially when he heard his father was going to be exhausted, he quickly climbed down from Zhou Liwen's back. Seeing Zhou Liwen blushing with his face and head full of sweat, he ran into the bathroom with his calf, took out a towel and came back to wipe his sweat.

"Boy, I didn't love you in vain." Zhou Liwen took the towel proudly and wiped the sweat, happily slapped his butt: "Go to the garden to play, dad rest."

"Well, Dad, you have a good rest. Call me if you need anything. I'll be in the garden." Duoduo replied seriously like a little adult, and pointed to the garden. These words made Zhou Liwen and Lin Yaxuan happy at the same time. Nodded repeatedly and agreed, watching the little guy running to the garden.

"You are really, how old is the one who learns to ride a horse for your child?" Looking at her husband's sweaty face, Lin Yaxuan said with a little distressed feeling: "As the saying goes, boys raise girls with poverty and rich raising them. If you spoil Duo like this, what else can you do in the future?"

"Where is what you said so seriously?" Zhou Liwen wiped Yu Jing's sweat from his face, picked up a bottle of water from the table and unscrewed it and took a big sip: "Duoduo has a very good personality. When he saw his old age at the age of three, he would never become a playboy when he grew up. Besides, the principle of raising a boy in poverty and raising a girl in poverty is to say that ordinary families are talking about it. Do you think it is possible to raise a baby in poverty now?"

After hearing what Zhou Liwen said, Lin Yaxuan also laughed. Indeed, like their current family, it is impossible to raise a poor family. You can’t be rich and pretend to be poor, right? This is simply a lunatic.

"Have you changed your diapers? Come on, let your father hug..." Looking at Yu Yu, the youngest son in Lin Yaxuan's arms, Zhou Liwen happily patted his hands and teased him. The little guy who was not very good at speaking smiled at Zhou Liwen, and a crystal saliva flowed from his little mouth.

The little guy took it from his wife and gently leaned his head against his shoulder. The little guy seemed to feel very comfortable. He said nothing, and his little arms and legs moved up and down from time to time.

"I don't know what's wrong with my parents now?" Lin Yaxuan asked while sitting down on the sofa.

"It's okay, they just went yesterday, and the time has come now. There is a time difference in the west and the east. I'll just call me tomorrow to ask. Besides, what's the matter with the four old people? Besides, with Carl and the others accompanying you, there will definitely be no problem." Zhou Liwen replied with a smile.

Lin Yaxuan's mother officially retired a few months ago. Although Lin Yaxuan's father also submitted a retirement report, he could continue to be 6 years old even at the age of 6. However, Lin Ruofu insisted on retirement this time, and the superiors had no choice but to talk to him several times. The two sides compromised and temporarily retreated to the second line, allowing Lin Ruofu to take up a position in the Municipal People's Congress. As for the job of the president of the Academy of Sciences, he stepped down.

The two old men had no worries after retreating, so they simply completed the procedures and came to the United States directly. After arriving at Zhou Liwen, they lived there for a few days, but then they felt bored. Zhou Liwen's mother Li Xiaoyuan made a suggestion, saying that the four of them would go out for a trip, and this suggestion was immediately unanimously agreed by everyone. Since Yu Yu was still young, Duoduo had to go to school again, and Zhou Liwen was busy with work, they stopped going for the time being. Zhou Liwen helped the four elderly people arrange it, and then asked Carl and several other security guards to accompany him, so they went to Miami together. Next, they would go to New York, and then go from east to west through the Great Lakes area. If they were interested, they might even go to Canada for hunting.

Less than 2 hours after the old man left, Lin Yaxuan couldn't help but worry. Zhou Liwen smiled and comforted her with a few words, "The United States and China are not like China, the time zones in the east and west are very large, and it's still at night in the east. Besides, with so many people accompanying you, nothing will happen. If it had been done long ago, there would be no need for the elderly to call, Carl would have contacted himself long ago."

Lin Yaxuan seemed to know that her worries were unnecessary. She smiled embarrassedly and shook her head. The couple sat on the sofa chatting, watching the little lively and active son crawling around on the sofa, from time to time, looking up at them curiously with their round and black eyes, laughing happily

After a while, Duoduo was tired of playing in the garden. He ran back to the living room and saw that his younger brother had climbed from the sofa to the street stall. He immediately found some toys and started playing with his younger brother. However, Duoduo was not already sensible. His favorite thing to play with toys was not construction but destruction. Seeing Duoduo just building a "castle" with building blocks, the little guy swept it with his fat little arm, and the house collapsed into a "ruins". He also sat happily on the ground and laughed non-stop. Duoduo's little mouth was almost able to hang an oil bottle.

Just as Zhou Liwen and Lin Yaxuan were watching their two sons play with interest, the phone suddenly rang. Zhou Liwen got up and walked over to answer the phone. After hearing a few words, his face suddenly darkened. Then, after listening for a while, he said to the other side of the phone that he knew and hung up the phone.

"What's the matter?" Seeing that her husband seemed to look a little abnormal, Lin Yaxuan couldn't help but ask.

"It's okay, a small matter at work." Zhou Liwen replied with a smile, then continued to sit back on the sofa and hugged his wife and watched the children play. But at this time, there was a faint sense of unhappiness in his eyebrows and eyes.

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