Financial freedom starts with smiling at life

Chapter 155 The amount involved is huge
The country is currently in a cycle of interest rate cuts, and the interest rate spread continues to narrow, which is very unfriendly to the banking industry.

Jiangnan City Commercial Bank's revenue has declined for two consecutive years.

This year the decline has reached 10 percentage points.

It really tests the confidence of the shareholders behind it.

Units with higher shareholdings began to reduce their holdings of Jiangnan City Commercial Bank from the middle of the year, attracting a lot of capital inflows into the stock market.

The capital market is optimistic about Jiangnan City Commercial Bank.

It was against this background that this "reform" took place.

In fact, Jiangnan City Commercial Bank completed its shareholding reform many years ago and successfully entered the Hong Kong stock market.

However, it is not difficult to find out from its equity structure that the actual control of the bank is still in the hands of local governments.

Nanfu Capital, a wholly-owned enterprise under the Jiangnan State-owned Assets Supervision and Administration Commission, Jiangnan Urban Investment Group, Jiangnan Development Investment Co., Ltd., Jiangnan Water Conservancy Investment... are all major shareholders of Jiangnan Commercial Bank.

These local state-owned enterprises all sit on the board of directors of Jiangnan City Commercial Bank.

All the directors are the top leaders of local state-owned enterprises.

That's why Mr. Shen was worried about Jiang Beicheng and felt that he had fallen into a trap.

To be honest, Jiangbei City would not do anything to destroy its future unless it was absolutely necessary.

Although he has a system that allows him to live a life of ease and comfort, and cannot stay in the country, the worst that can happen is that he can take his grandmother and the women abroad, but the ideal country in his heart has not yet been realized.

He is also struggling on this path.

I hope Hailin can withstand the investigation and pass it smoothly this time.

During a chat with Shen Ping of Nanfeng Venture Capital, Jiangbeicheng learned that Jiangnan City Commercial Bank had taken the initiative to seek change in order to cope with the market downturn.

Attract more powerful social capital and investment banks to enter the market.

Including the Central Clearing Company Limited, a subsidiary of the Hong Kong Exchanges and Clearing Group, which has significantly increased its holdings of Jiangnan City Commercial Bank's shares.

Local governments release certain equity and board voting rights.

It is equivalent to a second round of "reform", which weakens the government's control over banks.

During the "restructuring" process, institutions such as the Hong Kong Stock Exchange and the China Banking Regulatory Commission conducted a comprehensive review of Jiangnan City Commercial Bank's accounting issues.

The audit revealed several huge bad debts.

All of them are loans from overseas shell companies.

After investigation, the Economic Investigation Bureau concluded that it was a loan fraud and the amount involved was huge.

The bank president was taken away that same day.

The bank cooperated with relevant units in conducting self-inspections, and several vice presidents were summoned for talks by the Supervisory Department.

This kind of overseas loan fraud must have been carried out with the cooperation of someone, and only the top management of the group has this power.

The fact that the bank president was taken away by the Discipline Inspection Commission shows that they have already obtained some evidence and that he has the biggest problem.

The deputy governors who are being interviewed need to be identified one by one and investigated in detail.

Investigate related loan operations for at least five years.

It is a systematic project.

This means that several senior executives of the group, including Hailin, will not be able to come back for a while.

After hearing this, Haitangxi was shocked and asked Shen Ping, "Mr. Shen, could you please tell me how much money is involved in this case?"

Shen Ping shook his head.

They said it was inconvenient to disclose the information, and that the relevant judicial authorities would announce it when the matter was settled.

He had only heard a little rumor and was not sure yet.

But Jiangbeicheng and Haitangxi already had a premonition. The president was taken away directly and the executives were questioned. The amount could not be low.

At least it is calculated in 100 million.

Jiang Beicheng put his hand on the back of Haitangxi's hand to give her some comfort.

Haitangxi came back to her senses and nodded to Jiangbeicheng, indicating that she could still bear it.

The two of them raised their glasses and toasted Shen Ping.

Finally got some useful information.

After returning, I can prescribe the right medicine.

Shen Ping said: "You two, this matter involves too many levels and too wide a range of issues, there is very little I can do.

I can’t help you, please forgive me.”

Jiang Beicheng thanked him, "Mr. Shen has helped us a lot.

Thank you, Mr. Shen."

The two drank a drink.

After dinner, Jiang Beicheng saw Shen Ping off and looked back at Haitangxi.

Haitangxi told Jiangbeicheng: "Don't tell my mother what you heard today.

If anything happens to Dad, it will be my responsibility to take care of her."

Jiang Beicheng took her into his arms and said gently, "It's also my responsibility.

You are all my responsibility.”

These words warmed Haitangxi's heart.

No matter what the outcome, there is still a man at home.

There is a harbor provided for them.

The two of them took a walk and talked about the Jiang and Hai families, and somehow they ended up on the same path.

The difference is that Jiangbei City has propped up the Jiang family again.

She had no idea whether Haitangxi could support her family.

At least my mind is a little confused.

After taking a walk, the two returned home.

The old lady and Zhou Ya did not rest, but sat in the living room waiting for news.

"How is it?" Zhou Ya asked excitedly.

Haitangxi smiled and helped Zhou Ya sit down, saying, "The main responsibility lies with the president. He has been taken away. Dad and the others are now cooperating with the group's supervisory department to conduct a self-inspection.

As long as the judicial authorities haven't intervened, there's a good chance that things will turn around.

Don't worry, Mom."

Zhou Ya nodded and suddenly remembered her conversation with Hailin.

Once she asked Hailin directly if he had any questions, and Hailin replied that it was not a big problem.

After hearing her daughter's words, she felt a little relieved. "Xiaoxi, the bank's supervisory department called me and said they'll come to our house tomorrow to investigate and question us," Zhou Ya said.

Jiang Beicheng said: "Auntie, just tell the truth.

Tell what you know.”

Haitangxi also nodded.

Zhou Ya held the two children's hands and nodded, "I will definitely explain it in detail."

After talking about the matter, Jiang Beicheng asked Shen Jun to drive the mother and son back home, because the bank people would be coming tomorrow to cooperate with them.

After washing up, he lay down on the bed, thinking about how to break the deadlock.

How to exchange equivalent value?
Rather than dealing with these people, the board of directors is most concerned about how to make up for the losses from the bad debts of Jiangnan City Commercial Bank.

Therefore, Hailin's problem may be solved in a roundabout way.

The premise is that Hailin did not make any principled mistakes here.

Otherwise, you can only wait for legal sanctions.

If you want to get in touch with people at a higher level and gain negotiation qualifications, you can only ask friends at the top for help.

Jiang Beicheng thought of the Yuan family.

A billionaire family in Jiangnan City.

The actual controller of Cyber ​​Mining Group, which ranks third among the top ten private enterprises in Jiangnan City.

The Yuan family's father and son have access to the upper class. Jiang Beicheng was thinking about whether he could ask the Yuan family's father and son for an introduction?
The father and son invited him to their home several times, but he had not gone yet. He was thinking of going to celebrate with Yuan Ling after he completed the acquisition of the mine in Africa.

I called Yuan Ling before taking a break.

I learned that Yuan Ling has returned to China and will be in charge of the group's work at the Jiangnan City Group Headquarters in the near future.

Jiang Beicheng said he was going to visit Uncle Yuan, so Yuan Ling asked him to have dinner at his house on Wednesday night.

Jiang Tao took him to have dinner with Yuan Zhi once. Jiang Beicheng vaguely remembered that Yuan Zhi was particularly interested in collecting tea sets.

I have two purple clay teapots made by Teacher Gu Jingzhou at home.

They were all sold at high prices at auctions.

There are countless fine tea sets and porcelains of all kinds.

Jiangbeicheng went to the Jiangnan City Tea and Porcelain Museum again in the morning.

In normal exchanges, the tea sets of Mo Shang Guan Shan, He Feng Xiao Yue... these Jingdezhen boutique kilns are presentable.

But Jiangbeicheng was going there this time to ask for help, so he had to be more prestigious.

After hearing Jiang Beicheng's request, Uncle Quan, the manager of the Tea and Porcelain Museum, transferred his collection of Xuande dragon, fish and algae pattern series that were fired in ancient kilns to Jiang Beicheng.

Worth 45W.

Uncle Quan said confidently, "There's no other like it in the entire Jiangnan City."

He may not be as rich as Yuan Zhi, but when it comes to teaware and porcelain, none of the famous companies in Jiangnan City are his rivals.

In his words, good porcelain is a matter of chance, timing, location and people.

Jiang Beicheng thanked him, "Uncle Quan, you helped me a lot this time.

I'm really sorry that you have to let me go."

Uncle Quan smiled and patted Jiang Beicheng on the shoulder, "Your uncle Quan is now a simple man.

You’re welcome.”

Jiang Beicheng paid him.

On Wednesday night, I took this set of tea sets to Yuan Ling's house.

Yuan Ling received the call and greeted him outside the yard, "Drive in."

Jiang Beicheng got out of the car and the two shook hands.

"Congratulations to Mr. Yuan on his triumphant return." Jiang Beicheng congratulated.

"There are great risks in discussing the acquisition this time. I'll tell you about it at the dinner table later." Yuan Ling invited Jiang Beicheng into the house and take a seat.

"Dad, Beicheng is here." Yuan Ling said enthusiastically.

Yuan Zhi put down the magazine in his hand and stood up to greet him, "You've grown up so much, my impression of you is still from middle school.

At that time, your father had just started to work in mineral processing and he often came to visit me."

"Uncle Yuan!" Jiang Beicheng called him politely and handed over the gift he brought. "I know that Uncle Yuan has a special liking for tea utensils, so I thought I must prepare well when I come to visit you this time.

Tea utensils are really spiritual and they recognize people.

A few days ago, I happened to find a set of Xuanlong, fish and algae patterns that were imitated by potters from ancient times.

Uncle Yuan, isn’t this a coincidence?

Please accept this little gift from me."

Yuan Zhi had a good impression of this junior, who had high emotional intelligence and good eloquence.

He really likes the Jingdezhen kiln Tao Renlingu, and he has collected several of his favorite covered bowls.

The Xuande dragon, fish and algae pattern is now best imitated by potters in Jingdezhen.

Almost one-to-one restoration.

However, because the quality rate is too low, there are very few products on the market.

Very few people can put together a complete set.

Jiang Beicheng probably got it from a senior tea lover.

Yuan Zhi admired it and said, “Beautiful, my nephew Beicheng spent a lot of money.

By the way, the moose leather you sent back last time was very good. Your aunt asked a tailor to make me a pair of knee pads. They are very warm.

I have a heart."

He smiled and patted Jiang Beicheng's shoulder.

Jiang Beicheng smiled and said, "Uncle Yuan, I often go out hunting. If you need anything in this area in the future, please tell me in advance."

Yuan Zhi smiled and said, "If you didn't hit me, I wouldn't want it."

“It must be authentic.”

"Hahaha, eat, sit down, you're welcome." Yuan Zhi invited, and after sitting down, he continued to praise Jiang Beicheng, "Last time Yuan Ling came back and said he met you, I thought of your father at that time.

Oh, what a surprise.

I admire him very much, and to be honest, sometimes I feel that I am not as good as him.

As an elder, I am very pleased to see you, the younger generation, growing up so quickly.

I hope you can seize the development opportunities of the times and go further."

(End of this chapter)