I'm in the county town, and you say I'm a big shot?

Chapter 151, 150: "We are all ordinary people, so of course we have to think about our own future and interests."

"Yes, I've raised you to be plump and healthy."

The two joked around on QQ for a while, and Xia He finally typed: "I have to go to the city branch tomorrow."

Fang Qingye noticed the sudden change in her chat history and typed, "Senior, you don't need to report to me when you go to the city, right?"

"Our former branch manager, Director Wang, has arrived at his destination. The current head is the former Deputy Branch Manager, Liu," Xia He continued typing.

"Yes, what's wrong? Hasn't the official document already been issued?" Fang Qingye was a little confused, not understanding why Xia He was bringing this up.

"This Bank Manager Liu, well, it's hard to say."

Upon hearing Xia He's words, Fang Qingye realized something: "What? What's wrong?"

"I'll tell you when I get back from my trip to the city tomorrow."

"Okay, you should get some rest."

"Ah."

The two ended their chat.

Fang Qingye picked up her teacup and shook her head, feeling that Xia He's words today were somewhat inexplicable.

Let's talk about it when Xiahe comes back from the city tomorrow.

The next day, Fang Qingye went to work on time, while Xia He took the company bus to the city in the morning and did not return until the afternoon.

After sitting in his office for a while, he picked up his briefcase and knocked on Fang Qingye's office door.

Fang Qingye noticed that her complexion was not good.

"Are you thirsty? Let me pour you a cup of tea." Fang Qingye said, picking up a paper cup and pouring Xia He a cup of tea, then sitting down on the sofa next to him.

"Sister, what's wrong?"

"I never expected that once someone is promoted, they seem to become a completely different person," Xia He remarked.

Fang Qingye guessed that she was referring to Director Liu of the city branch, but she didn't speak and listened quietly.

"Sorry, I got a little excited just now." Xia He gradually calmed down and took out a document from her briefcase, handing it to Fang Qingye.

"You take a look at this first."

Fang Qingye took it and glanced at it. It turned out to be a corporate loan application. A company called Huibang Pharmaceutical wanted to borrow 800 million yuan.

Fang Qingye read through the materials carefully again, her brows furrowing involuntarily.

Seeing Fang Qingye's expression, Xia He smiled and said, "You can also tell that this is a bit unreliable, right?"

"It's unreliable, but the problem is, how did you accept such unreliable material?" Fang Qingye looked at her: "If it were me, I would just throw it back!"

"President Liu handed it to me personally. Can I just throw it back?" Xia He asked with a wry smile.

Oh, I see.

"President Liu said that this was introduced by Deputy Director Ma of the Municipal Investment Promotion Bureau. Huibang Pharmaceutical is planning to buy land to build a factory, but it has a funding gap. It has already contacted the city's guarantee company to provide guarantees for financing."

"A guarantee company in the city?" Fang Qingye was slightly surprised.

It turns out that Jinghai Guarantee Company was established with funding from the municipal finance department. Because it had capable people in it, it controlled risks very well and had a good reputation among banks. It was listed as a model by the city several times, and its business was second to none in the province.

"Director Ma said that the guarantee company has agreed to waive the counter-guarantee, which is the first time in the city that a guarantee has been provided for this company."

The so-called counter-guarantee refers to a company providing other forms of guarantee that meet the requirements of a guarantee company, such as personal guarantees, machinery and equipment, or other items that do not meet the requirements of a bank guarantee. This is equivalent to the company providing a guarantee to the guarantee company in this way, and the guarantee company then using its own credit to guarantee the bank, thus ensuring the company can successfully borrow money from the bank. "I don't understand why the municipal guarantee company would guarantee such a company?" Fang Qingye raised her question.
"Since it's a pharmaceutical company, shouldn't it have GMP certification to produce drugs? As far as I know, the basis for certification is having land and building the factory. But this company only mentioned an investment of over 100 million yuan in their feasibility report, but they couldn't provide any evidence whatsoever!"

“Yes, but the municipal guarantee company dares to provide guarantees for them.” Xia He also looked puzzled: “Is there some other reason?”

“Alright, let’s not discuss that. Did Director Liu ask you to issue this loan to them from the Nanxin branch?” Fang Qingye asked.

"Yes! Not only our Nanxin branch, but also several other branches such as Wuyang branch, are using the method of breaking down large sums into smaller ones, supposedly to avoid the risk of lending to a single bank. The amount involved is about 100 million yuan."

"I think it's to evade the provincial bank's review, isn't it?" Fang Qingye sneered. "A project worth 100 million yuan needs the provincial bank's approval."

"President Liu didn't say, but I guess that's what he meant," Xia He said.

"What do the other branch managers think?" Fang Qingye asked again.

"Some agreed readily, some hesitated and said they would go back and study it, and some simply refused."

"Oh my, who directly refuses? So disrespectful to their superiors?" Fang Qingye laughed.

Xue Tao from Zhongxiang Branch.

"Him? Is he the one who was demoted last year and transferred from the position of branch manager of Pingdong branch to the position of deputy branch manager of Zhongxiang branch because his subordinates took advantage of their positions to steal 50 yuan from depositors?"

"Yes, he was just promoted to president of the Nakago Bank."

"Haha, what a man!" Fang Qingye laughed.

"Yes, I admire him too."

"Alright, let's not talk about him anymore. How are you going to handle this?" Fang Qingye asked.

Xia He didn't answer and fell silent. After a while, she said in a low voice, "I told you last night that I'm planning to go back to Huijing. Although it's the provincial branch's final decision, it will definitely need to consult the city branch leaders. To be honest, I'm worried that this matter will affect my return to Huijing."

"So you're going to listen to Director Liu?"

"Of course not! That goes against principles! Besides, if this company gets into trouble in the future, I will also be held liable!" Xia He said.

That's right.

Fang Qingye simply said "oh" and didn't say anything else.

After a while, Xia He said again, "Qingye, am I being too selfish and worrying about gains and losses?"

“That’s normal,” Fang Qingye comforted her. “We are all just ordinary people, so of course we have to think about our own future and interests.”

"The most urgent thing now is to find a way to prevent this loan from going through, but without offending President Liu," Fang Qingye concluded.

"That's what I was thinking too, but I can't think of a suitable solution right now," Xia He sighed softly.

"Then let's delay it, one day at a time," Fang Qingye said.

"That's all it can do."

Seeing Xia He looking preoccupied, Fang Qingye smiled and said, "How about we go play ball tonight?"

“Okay!” Xia He immediately cheered.

"Once you step onto the court, running and spiking, you'll be drenched in sweat and forget all your troubles!"

The matter remained unresolved, and Xia He resorted to delaying tactics. However, after a week, the city branch manager, Liu, personally called to inquire about the matter and criticized Xia He for her lack of awareness: "This is a major project. The higher-ups have already made the decision. As long as you submit the materials and procedures, our city meeting will discuss it. What are you worried about?!"

(End of this chapter)