003、畜眼观人皆虚佞
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小白听得似懂非懂，但有一句话他自以为听懂了，那就是手要跟得上眼睛。小白的眼睛是非常快的，他甚至能看清楚飞行的子弹，但他的身体还是普通人，不可能伸手去接住飞来的子弹。所以他问那头驴怎么才能让自己的身体反应跟得上眼前所见？那头驴说等他长大了可以教他，这世上有一种非常特殊的锻炼自己的方法。
可惜那一头名叫白毛、神奇异常的毛驴没有等到小白长大，在小白七岁那年就让人给宰了。会说话的驴终究还是驴，它的命运结局和当地的一种特产有关，这特产就是连皮带骨五香驴肉……。
“小白，站在窗台傻望什么？工作时间到了。”副课长老王的声音把小白从对一头驴的回忆中拉回到现实。小白转身问：“领导，什么事呀？”
老王：“这里有一份报告，你用两天时间把它做出来，这是行长交的任务，你可要仔细点。”老王要小白做的报告就是上午严襄理交给老王的，严襄理给了老王三天，老王给了小白两天。
虽然有些不满，但小白还是很无奈的走过去将材料接了过来，老王看出他似乎有情绪，和颜悦色的说道：“小白呀，你在我们部门表现一直不错，这份报告是南都科技的贷款项目，行领导很重视的。只要你能够好好完成，试用期结束转正没有问题。”
小白吃了一惊：“这么重要的报告？我能……”
老王打断他的话：“对于我们来说，大小项目都是一样的，完全是一套程序，区别的只是数字而已，你要有自信能做好。而且这份报告我不署名，审贷员就署你的名子，这样对你以后的业绩考核是有好处的。”
小白觉得很意外，原来他以为老王就是抓个小兵干活而已，没想到老王真把这个项目交给他，而且报告上还让他署名。老王这么干严襄理能高兴吗？他说的话是真的吗？小白注意观察了老王一眼，他的表情很诚恳，而且心里感应到他的想法也是认真的，认真中还有一些不安，似乎生怕小白不答应。小白有些疑惑，但情形容不得他多考虑，接过材料点了点头就回去工作了。
南都科技是一家上市公司，刚刚经历过一次收购重组，收购方是来自志虚国另一个城市的千日红集团。这一次向志虚商业钱庄乌由分行申请的是项目贷款，总额是2.8亿。乌由分行是一级分行，项目贷款自主审批权限是三亿，这一次南都科技的贷款接近上限却没有超过，理论上分行的审贷委员会批准就可以，只需向总行报备。
在志虚国，钱庄放贷款，向来有两种情况。一种是自下而上式的，由营销部门去做市场调研，形成研究报告和企业的贷款申请，再由风险评估部门审核，最后有审贷会批准。大体上是三个步骤，小白的工作部门是中间的第二道步骤。当然真正的好项目不是企业求钱庄而是钱庄找企业。还有一种情况是自上而下式的，有关系有门路的人可以直接打通关节，然后做为布置下来的任务，下面的工作人员再按程序去完成。
自上而下式的项目，表面程序上与正常自下而上的项目没什么不同。仍然是营销做调研，审核写报告，审贷会批备这三个步骤，但实际上却成了一种编织材料的工作。调子基本上已经定了，工作人员一方面要把调研数据编写好，做成一份能够通过审核的报告。如果企业提供的材料不合格的话，要提醒企业的相关人员按要求修改，直至最后能够通过。
小白拿到了这份材料就是其它部门调研结果和企业提供的数据，如果里面的内容是假的，但是做的很高明很干净的话，小白是审不出来的。而实际上以他现在的阅历和经验，能发现问题的地方确实不多。但是小白仔细研究了这份材料之后，却大感惊叹——原来世界上的钱是可以这么玩的！因为千日红集团收购南都科技没有花一分钱现金！
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