As soon as Yao Liang left, the atmosphere in the room suddenly became subtle. Director Mao sipped the wine with a smile, quietly waiting for what Zhou Liwen would do. Zhou Liwen was still the same as before, looking at him with the same smile on his face.

Director Mao said something clichés like something tricky just now, and for Zhou Liwen, it was simply a breeze in his ears, and it did not affect his mentality at all. Because today, Director Mao had already expressed his attitude. If he really couldn't do it, he wouldn't sit in front of him now.

It is now the 20th century, and bank practitioners are far less than many years later in terms of treatment and status. Although Director Mao and Yao Liang both work in the credit department of the branch, Director Mao even serves as the director of the credit department, their income is only slightly more than that of ordinary tellers. The only difference lies in the intensity of work and the level of positions. As for bank lending rewards and saving commissions, these measures have not been officially implemented yet. This requires a few years later, a large number of joint ventures and private banks entered the market, and then they have implemented these reward systems to compete fiercely with several state-owned banks and seize customers, thus causing the income of bank practitioners, especially credit personnel, to begin to increase significantly.

Director Mao is over 40 years old this year. When he started working, the country had not yet begun reform and opening up. People like him pay attention to being implicit and steady in their work, and will not be like those young people born in the 1980s and 1990s who have just entered the industry. They have a little power in their hands, but they are afraid that their appetite is not big enough. Whether it is talking about loans or deposits, they can open their mouths and keep their words back and forth, and they will be kickbacks, commissions, etc.

2000

f0c and even some girls who don’t know how to respect themselves just entered the bank to work in order to get deposits, even using themselves as capital, only seeking their own goals and using any means.

Zhou Liwen knew very well that Director Mao was actually already moved, but the key was that he had to see how Zhou Liwen would repay him. Of course, Director Mao would never take the initiative to speak out for this, and he had to consider whether Zhou Liwen is worthy of cooperation next time. People like him who are careful in doing things have always put safety first. Only by confirming that everything is fine and that success or failure will not affect him will they help.

Zhou Liwen deliberately spent Yao Liang and both of them knew the reputation of presenting him, but they didn't say anything about their face and pretended to be confused. After a few gossips, Zhou Liwen mentioned the topic to the pension system that had just been implemented, lamenting the inconvenience and disadvantages that would bring to most people after the reform of the retirement system in the future.

Director Mao is a banker, and his professional level is certainly not bad for more than 20 years. When Zhou Liwen pointed out some problems in the current implementation of the pension system and bluntly mentioned that some future generations may face huge funding gaps due to the dual-track pension system, Director Mao's eyes lit up and secretly praised the other party for his vision.

"It's right. In fact, there has been such a saying in the industry. To put it bluntly, this system looks good on the surface, but in fact it will eventually be the result of demolishing the east wall and repairing the west wall. The longer the time comes, the bigger the problems will be exposed. However, I think those who formulate policies in Kyoto should see this disadvantage. It is estimated that this loophole will be slowly filled in a few years."

Zhou Liwen shook his head and said, "It's hard to say this. Don't talk about it for a few years. Who knows what will happen ten or two years later? If Director Mao, you are a national civil servant, it's not a big problem. But now I heard that several major banks have begun to commercialize. When the original staffing is cancelled, it will be the same as ordinary people? Take our group as an example. Large state-owned enterprises and leadership are still of a high level, but these levels will probably not be available again in a few years. What's the difference between you?"

Director Mao frowned after hearing this, and nodded slightly after a long time.

"You may not like to listen to some words, but you are not an outsider. Today, I will talk nonsense about this wine, just treat it as a way to dig your heart?"

Director Mao smiled and raised his hand and made a gesture that was OK.

Zhou Liwen carefully said: "Our country is different from developed Western countries. Europe and the United States implement high tax and high welfare systems. After hundreds of years of exploration, the entire medical and pension system has become more perfect. But even so, there are still many problems with welfare in Europe and the United States every year, which makes the heads of government worry. Are there many news in these news?" Speaking of this, Zhou Liwen glanced at Director Mao, saw Director Mao nodding in agreement, and continued: "We Chinese have always paid attention to the elderly care of children since ancient times, but in recent years, except for rural areas and ethnic minorities.

In addition, it is impossible for us citizens in cities to do this. As for the reasons, there is no need to explain. Most families have only one child. Let’s not talk about whether the child’s cultivation can meet the ultimate expectations of parents. Even if the child grows up and is filial and capable, and is willing to bear the obligation to support the elderly in the future? When the child grows up, they will also establish a family and will eventually have their own children. At that time, the four elderly people above and their own children below. Can the heavy financial burden be borne by the young couple? You must know that the income of the two must be maintained by the lives of seven people!”

"Hey...this is reasonable!" Director Mao looked a little sad. He only had one only son. Although his life is pretty good now, the problem is that he and his wife both have brothers and sisters, and they still have a stable income at work. But once they retire, how can they rely on their children to retire? As for pensions and other things, Director Mao himself is an expert, and he knows the various things in it better than anyone else.

"So, it's better to rely on yourself than rely on others!" Zhou Liwen took this opportunity to pour oil on the fire and said sincerely: "To be honest, it's time to plan for the future. By the way, I'm here\u7ed

e7e

9 You have prepared a piece of stuff, you can take a look..."

After saying that, Zhou Liwen took out a stack of documents from his bag and handed them over. Director Mao took them over and took them carefully and looked at them carefully. He was stunned.

This document is a pension insurance policy launched by an insurance company. The name of the insured is written in Director Mao's name. The insurance period is effective until Director Mao retires. He only needs to pay 15 years of insurance premiums and then he can receive a considerable amount of pension every month. The most important thing is not these, mainly two points. First, the insurance premiums for these 15 years have been paid in advance according to the policy. Second, according to the provisions of this policy, within 15 years, Director Mao can use this item to cancel the insurance company anytime and anywhere. Except for the part of the handling fee required to be charged for the first year of insurance refund, the other party will fully refund the prepaid insurance premium in the remaining 14 years. Of course, don't think about interest, the insurance company is not a bank, and it also needs to make a living.

Zhou Liwen paid a total of 300,000 yuan in advance for the insurance policy that was handled by Director Mao. This figure was enough to make Director Mao's heart beat faster and his breathing was rapid. In other words, as long as he accepted the policy, he could get 280,000 yuan in cash by turning around and going to the insurance company to apply for a refund. If he went there at this time next year, the full 300,000 yuan would be completely owned by Director Mao.

What’s more important is that this kind of thing is not as eye-catching as cash, and it’s not as traceable as bank accounts. Even if the superior discipline inspection commission comes to check, it’s not afraid. Just find a place to hide this thing quietly. Who knows that these pieces of paper are worth so much money.

(Today's fair will be held, there may not be any updates in the afternoon, please forgive me! I hope everyone will remember to vote for recommendations and support, please give me rewards and collect them!)
Chapter completed!